Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Athens, GA are $378/month
  • The cheapest car insurance company in Athens for teen drivers is GEICO
  • Average car insurance rates in Athens, GA for senior drivers are $2,512/year

Average car insurance rates in Athens, Georgia are $378 a month. But with a little research you can get a great deal from the top car insurance companies in Athens, GA. Before you buy Athens, Georgia car insurance, make sure your coverage meets or exceeds the Georgia minimum of 25/50/25.

It may even be helpful to compare Athens car insurance rates with Savannah car insurance rates, Marietta car insurance rates, or Johns Creek car insurance rates to make sure you’re getting the best Athens, GA car insurance quotes available.

Need affordable Athens, GA car insurance? Enter your ZIP code to compare Athens car insurance quotes from multiple car insurance companies near you.

Athens, GA Minimum Car Insurance Coverage

Athens, Georgia law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Athens, Georgia

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Athens, GA Car Insurance Rates by Coverage Level

Some Athens drivers can get by with the Georgia minimum coverage of 25/50/25. Other drivers may need more. See how much your Athens, Georgia car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Athens, Georgia

Insurance Company Low Medium High
Allstate $3,947 $4,290 $4,511
GEICO $2,436 $2,609 $2,746
Liberty Mutual $9,185 $9,511 $9,981
Nationwide $4,617 $4,852 $4,834
Progressive $3,927 $4,204 $4,678
State Farm $3,098 $3,315 $3,525
USAA $2,890 $3,014 $3,186

Athens, GA Car Insurance Rates by Age, Gender, and Marital Status

Athens, Georgia car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Athens, GA car insurance, get quotes from multiple car insurance companies in the Athens area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Athens, Georgia

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,922 $2,922 $2,795 $2,795 $6,853 $8,856 $3,275 $3,579
GEICO $1,567 $1,548 $1,520 $1,520 $4,703 $5,640 $2,031 $2,248
Liberty Mutual $5,100 $5,549 $4,169 $4,728 $21,619 $24,136 $5,411 $5,761
Nationwide $2,822 $2,918 $2,789 $3,063 $8,502 $10,935 $3,414 $3,700
Progressive $2,693 $2,482 $2,318 $2,433 $8,471 $9,380 $3,117 $3,263
State Farm $2,165 $2,165 $1,943 $1,943 $5,768 $7,579 $2,375 $2,566
USAA $1,691 $1,689 $1,574 $1,579 $6,083 $7,194 $2,105 $2,323

Athens, GA Car Insurance Rates for Teens

How much is Athens, Georgia car insurance for teens? Compare rates from top Athens car insurance companies below to help find the cheapest teen car insurance in Athens, GA.

Annual Car Insurance Rates for Teen Drivers in Athens, Georgia

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,853 $8,856
GEICO $4,703 $5,640
Liberty Mutual $21,619 $24,136
Nationwide $8,502 $10,935
Progressive $8,471 $9,380
State Farm $5,768 $7,579
USAA $6,083 $7,194

Athens, GA Car Insurance Rates for Seniors

Before seniors buy Athens, Georgia car insurance, they should make sure to shop around. Some Athens, GA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Athens, Georgia

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,795 $2,795
GEICO $1,520 $1,520
Liberty Mutual $4,169 $4,728
Nationwide $2,789 $3,063
Progressive $2,318 $2,433
State Farm $1,943 $1,943
USAA $1,574 $1,579

Athens, GA Car Insurance Rates by Credit History

How does your credit history affect Athens, GA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Athens, Georgia

Insurance Company Poor Fair Good
Allstate $5,507 $3,826 $3,414
GEICO $3,266 $2,296 $2,229
Liberty Mutual $13,687 $8,402 $6,588
Nationwide $5,654 $4,603 $4,047
Progressive $4,813 $4,153 $3,843
State Farm $4,695 $2,925 $2,319
USAA $3,940 $2,777 $2,373

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Athens, GA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Athens, Georgia car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Athens.

Annual Athens, Georgia Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,507 $5,397 $4,404 $3,689
GEICO $1,749 $2,192 $4,486 $1,961
Liberty Mutual $7,259 $9,915 $11,399 $9,664
Nationwide $3,689 $4,316 $6,609 $4,457
Progressive $3,344 $5,891 $3,952 $3,892
State Farm $3,019 $3,607 $3,313 $3,313
USAA $2,321 $2,938 $4,272 $2,588

Athens, GA Car Insurance Rates With a DUI

Even a single DUI can increase your Athens, GA car insurance rates. Compare rates below to see which Athens car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Athens, Georgia

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,404
GEICO $4,486
Liberty Mutual $11,399
Nationwide $6,609
Progressive $3,952
State Farm $3,313
USAA $4,272

Athens, GA Car Insurance Rates by ZIP Code

Just like Athens car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Athens, GA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Athens, Georgia

ZIP Code Average Annual Rates
30601 $4,297
30602 $4,333
30605 $4,379
30606 $4,292
30607 $4,533
30609 $4,364
30683 $4,435

Athens, GA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Athens, GA car insurance rates may be. Let’s take a look at average car insurance rates from top Athens companies based on commute time.

Annual Car Insurance Rates by Commute Length in Athens, Georgia

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,155 $4,344
GEICO $2,552 $2,642
Liberty Mutual $9,559 $9,559
Nationwide $4,768 $4,768
Progressive $4,270 $4,270
State Farm $3,313 $3,313
USAA $2,892 $3,168

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Athens, GA Cheapest Car Insurance Rates

How do the top Athens, Georgia car insurance companies’ average rates stack up against the Athens average monthly car insurance rates of $378? Take a look and see.

Best Annual Car Insurance Rates by Company in Athens, Georgia

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Athens, GA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Athens, Georgia car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Athens, Georgia

Insurance Company Average Annual Rates
Allstate $4,249
GEICO $2,597
Liberty Mutual $9,559
Nationwide $4,768
Progressive $4,270
State Farm $3,313
USAA $3,030

Other Factors Affecting Athens, GA Car Insurance Rates

Before you buy Athens, Georgia car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Athens, GA Commute Time

How does your Athens, GA commute time compare with the average driver? In Athens, the average commute is 19.4 minutes.

Athens, GA Traffic

Spending time in Athens traffic can lead to higher car insurance rates. According to INRIX data, Athens, GA ranks as the 35th-most congested with traffic in the world.

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Athens, GA Car Insurance Quotes

Compare Athens, GA car insurance quotes from multiple companies by entering your ZIP code now.