Athens Car Insurance

How much does car insurance cost in Athens, GA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Athens?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Georgia has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Athens typically pay around $150.20 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Georgia $176.05
Athens, Georgia $150.20

Athens, GA Best Car Insurance Companies

car insurance in Athens

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Safeco generally has the most affordable car insurance in Athens coming in around $85.18 per month. Other companies to consider if you live in Athens is Mercury Insurance with an average cost of $97.62 per month and Georgia Farm Bureau which typically runs around $105.98 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Athens.

RankCompanyAverage Monthly RateComparison State Average
1 Safeco $85.18-51.62%
2 Mercury Insurance $97.62-44.55%
3 Georgia Farm Bureau $105.98-39.80%
4 Auto-Owners Insurance Co $119.50-32.12%
5 Country $127.28-27.71%
6 Clearcover $130.48-25.89%
7 State Farm $132.59-24.69%
8 USAA $134.43-23.64%
9 Central Mutual Insurance Co $144.34-18.01%
10 ACCC Insurance Company $152.15-13.57%

How Much is Car Insurance in Athens, GA?

how much is auto insurance in Athens

Rates can vary from city to city. The residents of Albany typically pay $140.36 per month while people who live in Alpharetta will pay $171.25 per month on average. See what people pay for car insurance in other cities in Georgia.

Georgia CitiesMonthly Average Rate
Albany $140.36
Alpharetta $171.25
ATHENS $150.20
Atlanta $217.57
Augusta $152.53
Columbus $149.37
Gainesville $157.46
Macon $166.91
Marietta $176.86
Savannah $168.15
Valdosta $128.56
Warner Robins $157.19

Cheap Car Insurance in Athens by Zip Codes

find cheap auto insurance in Athens

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Georgia. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Athens, GA ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Athens

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $404.21 per month in Athens. Compare that to drivers in their 30’s who typically pay around $131.58 per month drivers in their 40s at $116.71 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Athens

If you are teen in Athens you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Georgia Farm Bureau typically charges around $124.89 per month. This is likely the most affordable option in Athens. You might also want to consider ALFA and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Georgia Farm Bureau$124.89
Auto-Owners Insurance Co$220.76

Cheapest Insurance for 20 Year-olds in Athens

20 year-olds in Athens might want to consider Georgia Farm Bureau who, on average, offers car insurance rates around $131.70 per month. Mercury Insurance , USAA , Auto-Owners Insurance Co and Country are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Georgia Farm Bureau$131.70
Mercury Insurance$140.35
Auto-Owners Insurance Co$153.80

Cheapest Insurance for 30 Year-olds in Athens

If you are in your 30s in Athens our research has found that Safeco typically has the most affordable coverage coming in around $85.18 per month, followed by Clearcover at $87.86 and Mercury Insurance at $92.48.

CompanyAverage Monthly Rate
Mercury Insurance$92.48
Auto-Owners Insurance Co$101.87
Georgia Farm Bureau$104.76

Cheapest Insurance for 40 Year-olds in Athens

On average, Auto-Owners Insurance Co offers car insurance for 40 year-olds in Athens for around $91.27 per month. If you are looking for affordable coverage, you may also want to consider Georgia Farm Bureau or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$91.27
Georgia Farm Bureau$96.92
State Farm$110.62

Cheapest Insurance for 50 Year-olds in Athens

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Athens we found that Mercury Insurance generally offers the most affordable coverage at $79.33 per month.

CompanyAverage Monthly Rate
Mercury Insurance$79.33
Auto-Owners Insurance Co$94.43
Georgia Farm Bureau$95.88

Cheapest Insurance for 60 Year-olds in Athens

If you live in Athens and you’re in your 60s, our data indicates that Mercury Insurance usually has the best rates at $77.56 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Mercury Insurance$77.56
Georgia Farm Bureau$83.56
Auto-Owners Insurance Co$103.29
ACCC Insurance Company$105.89

Driver's Coverage Auto Insurance Rates in Athens, GA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Athens, the average monthly rate for a driver who is currently insured is $129.04 while drivers who are not currently covered will pay around $176.30.

CoverageAverage Monthly Rate
Not Currently Insured $176.30
Currently Insured $129.04

Compare Recent Car Insurance Quotes in Athens

auto insurance quotes in Athens city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Athens a driver of a 2019 Chevrolet Tahoe can expect to pay around $90.45 per month while someone that owns a 2023 Audi A4 may pay around $618.83 per month. Check out the list of recent quotes in Athens below.

VehicleAverage Monthly Rate
2019 Chevrolet Tahoe$90.45
2023 Audi A4$618.83
2002 Dodge Ram 1500$87.93
2014 Jeep Cherokee$204.67
2015 Toyota Prius C$179.88
2010 Lexus ES$99.62
2017 Chevrolet Colorado$1,050.17
2013 Nissan Altima$317.33
1995 Chevrolet Cavalier$160.00
2004 Dodge Ram 1500$176.00

FAQ's for Drivers in Athens, GA

driver’s frequently asked question in Athens

What Is the Minimum Liability Coverage Requirement in Athens, GA?

Every state requires drivers to have a minimum amount of liability coverage. Georgia drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $100,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

High-risk drivers in Georgia who have difficulty obtaining auto insurance through the voluntary insurance market can find coverage through the Georgia Automobile Insurance Plan, or GAAIP.

Georgia law does not require motorists to buy collision and comprehensive insurance, but this full coverage is required by finance companies when taking out a loan or lease on a vehicle.

What Is the Blood Alcohol Concentration (BAC) limit in Athens, GA?

It is illegal for Georgians to operate a motor vehicle with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

Georgia has a zero-tolerance law for drivers under 21 that operate a vehicle with alcohol in their systems. This results in very harsh punishments for young persons convicted of a DUI in the state.

What happens if my coverage lapses?

Driving without insurance in Georgia is a major offense. Even if you stay out of your car, a lapse in coverage can result in the suspension of your license, inability to renew your registration, and reinstatement fees.

Check Out Other Rates in Athens, GA Nearby Cities:

Gainesville, GA


Commute Time in Athens, GA

19.4 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Athens, GA


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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