Cheapest car insurance companies in Athens
Central Insurance and Auto-Owners offer the cheapest car insurance rates in Athens for 2023, according to a study by Insurance.com.
Central Insurance is the cheapest option for most Athens drivers, with an average annual rate of $1,390 .
In Athens, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average annual rates |
|---|---|
| Central Insurance | $1,390 |
| Auto-Owners | $1,419 |
| Progressive | $1,502 |
| USAA | $1,602 |
| Geico | $1,734 |
| Country Financial | $1,749 |
| Allstate | $1,918 |
| Mercury Insurance | $2,072 |
| State Farm | $2,246 |
| Safeway Insurance | $2,533 |
Cheapest car insurance cost in Athens by Age Group
In Athens, Central Insurance is the cheapest car insurance company for teenagers, offering full coverage policies at $3,173 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
Central Insurance provides the cheapest car insurance coverage for young drivers in Athens, with an annual premium of $2,202 on average.
As Athens drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. Central Insurance stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,455.
Athens senior drivers seeking affordable car insurance should look no further than Progressive. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,554. It makes Progressive a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Central Insurance | $3,173 | $2,202 | $1,455 | $1,691 |
| Auto-Owners | $3,733 | $2,423 | $1,462 | $1,573 |
| Country Financial | $4,486 | $2,885 | $1,785 | $1,638 |
| USAA | $4,735 | $2,537 | $1,611 | $1,756 |
| Geico | $5,995 | $3,124 | $1,775 | $1,799 |
| State Farm | $6,547 | $3,771 | $2,259 | $2,190 |
| Allstate | $6,617 | $2,849 | $1,903 | $1,955 |
| Progressive | $7,373 | $2,450 | $1,476 | $1,554 |
| Safeway Insurance | $10,521 | $5,034 | $2,706 | $2,605 |
| Mercury Insurance | $11,127 | $4,228 | $2,112 | $2,158 |
Cheapest car insurance companies in Athens by driver profile
Insurers in Athens consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
When it comes to finding the cheapest car insurance rates in Athens, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.
In Athens, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- 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 $1,487 per year.
Drivers with poor or bad credit scores in Athens can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Geico | $1,487 |
| Nationwide | $1,626 |
| Progressive | $2,102 |
| USAA | $2,246 |
| Allstate | $2,811 |
| State Farm | $3,092 |
Cheapest for drivers with a speeding ticket: USAA
In Athens, USAA provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,486, on average.
Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,486 |
| State Farm | $1,717 |
| Nationwide | $1,717 |
| Progressive | $1,873 |
| Geico | $1,918 |
| Allstate | $2,125 |
Cheapest auto insurance after an at-fault accident: State Farm
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that State Farm offers the cheapest car insurance rates for Athens drivers with at-fault accidents. It provides coverage at an average annual cost of $1,851.
| Company | Average annual rates |
|---|---|
| State Farm | $1,851 |
| USAA | $2,057 |
| Nationwide | $2,127 |
| Geico | $2,167 |
| Progressive | $2,698 |
| Allstate | $3,012 |
Cheapest auto insurance after a DUI: State Farm
Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Athens for drivers with a DUI, with an average annual premium of $1,717.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| State Farm | $1,717 |
| USAA | $2,649 |
| Progressive | $2,850 |
| Nationwide | $2,858 |
| Allstate | $2,963 |
| Geico | $5,548 |
Average car insurance cost in Athens
On average, Athens drivers pay $1,816 annually, or $151 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Athens is $573.
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 Rates | State minimum average |
|---|---|
| $1,816 | $573 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
