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If you're looking for the best and cheapest car insurance in Athens, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Athens and prepared this guide for you.

The average auto insurance cost in Athens for full coverage is $1,398 for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Athens. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance Companies in Athens

According to a study by Insurance.com, the cheapest car insurance companies in Athens for 2022 are United Svcs Automobile Assn and Geico General .

United Svcs Automobile Assn is the cheapest option for most Athens drivers, with an average annual rate of $1,078.

Car insurance cost may vary in Athens based on your location, driving record, coverage level and the insurance company you choose. To get the best deal make sure you compare rates from multiple carriers.

The following companies are known to offer the cheapest auto insurance rates in Athens

CompaniesAverage Annual Rates
United Svcs Automobile Assn$1,078
GEICO General$1,113
Owners$1,169
Nationwide General$1,176
Progressive Mountain$1,210
Mercury Ind Co of GA$1,456
State Farm Mutl Automobile Ins$1,583
Allstate P&C$1,725
Metropolitan Casualty$2,076

Cheapest car insurance cost in Athens by Age Group

The cheapest auto insurance company in Athens for teen drivers is Owners Ins Co. For full coverage, its average annual rate for Athens drivers is $2,989. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

Owners Ins Co is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Athens at about $2,057 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Athens is the Geico Gen Ins Co. Its average rate for a full coverage car insurance policy is $1,303 per year.

If you are a senior driver in Athens and looking for a cheap car insurance company, then consider buying insurance from the Geico Gen Ins Co. It is the cheapest auto insurance company for senior drivers with an average premium of $1,182 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Geico Gen$1,303$1,182$3,931$2,068
Owners$1,426$1,554$2,989$2,057
Nationwide Gen$1,516$1,383$6,200$2,751
State Farm Mut Auto$1,618$1,529$4,115$2,531
Progressive Mountain$1,804$1,571$9,020$3,122
Allstate Prop & Cas$2,740$2,759$9,134$3,804

Cheapest car insurance companies in Athens by driver profile

Car insurance rates in Athens vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

To find the cheapest car insurance company in Athens, it's important to compare rates from multiple providers. This way, you can find the best deal that meets your needs and budget

Here are some of the cheapest car insurance companies in Athens based on driver profile.

  • Cheapest for a driver with Poor Credit: Geico
  • Cheapest for a driver with a speeding ticket: United
  • Cheapest for accident: United
  • Cheapest for DUI: State Farm

Cheapest for a driver with Poor Credit: Geico

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Athens drivers at about $1,759 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Geico$1,759
Nationwide$2,295
United$2,710
Progressive$2,804
Allstate$3,332
Mercury$3,554
State Farm$4,010
Owners$4,018
Metropolitan$5,793

Cheapest for drivers with a speeding ticket: United

United offers the cheapest auto insurance rates for drivers with a speeding ticket in Athens. It offers full coverage car insurance for drivers age 30 at about $1,804 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. To find the best deal, it's important to compare rates from multiple providers. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
United$1,804
Owners$1,861
State Farm$2,211
Geico$2,213
Nationwide$2,262
Progressive$2,372
Allstate$2,504
Mercury$3,367
Metropolitan$4,384

Cheapest auto insurance after an at-fault accident: United

United is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault bodily injury accident in Athens is $2,098. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
United$2,098
Owners$2,114
Geico$2,141
State Farm$2,392
Nationwide$2,405
Progressive$2,956
Metropolitan$3,136
Allstate$3,349
Mercury$4,065

Cheapest auto insurance after a DUI: State Farm

State Farm is the carrier that offers cheap auto insurance rates in Athens for drivers after a DUI. Its average annual rate for full coverage is $2,211.

If you are convicted of a DUI, your auto insurance rates are likely to go up. But one way to find an affordable insurance policy is to shop around and compare quotes from multiple insurers.

CompaniesAverage Annual Rates
State Farm$2,211
Progressive$2,667
United$2,810
Nationwide$2,881
Allstate$2,986
Owners$3,027
Mercury$3,222
Geico$3,815
Metropolitan$5,170

Average car insurance cost in Athens

The average car insurance rate in Athens for full coverage is $1,398 per year or $117 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Athens is $514 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,398$514

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