In 2019, there was 6,741 car accidents in Athens, Georgia. Drivers in Athens are required to carry auto insurance to protect their legal and financial responsibilities in the event of an accident. The average cost of car insurance in Athens is $ 689 for minimum coverage and $ 1,839 for full coverage, according to Bankrate’s 2021 study of annual listed premiums.
There are many auto insurance companies in Georgia that serve drivers in Athens. To find the best car insurance in Athens, our insurance editorial team compared some of the top providers by market share based on average rate, coverage options, discounts, and third party ratings.
Best car insurance companies in Athens
The best car insurance companies in Athens have below average rates, excellent customer satisfaction ratings, generous discounts, reliable coverage, and good financial stability. The table below shows how each leading vendor compares to each other and includes their updated average premiums, collected from Quadrant Information Services.
|Insurance company||JD Power Score (south-eastern region)||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||843 / 1,000||$ 435||$ 1,522|
|State farm||859 / 1,000||$ 474||$ 1,327|
|Car owners||849 / 1,000||$ 477||$ 1,384|
|United States||* 890 / 1,000||$ 514||$ 1,398|
* Due to membership eligibility restrictions, USAA is considered ineligible by JD Power.
When looking for good car insurance, drivers in Athens can immediately consider Geico as it is one of the most popular car insurance providers in Georgia. Its popularity may be mainly due to its low cost coverage and an impressive list of discounts. Some of the discounts available through Geico include savings for good students, safe drivers, emergency deployment, member groups, bundling your policies, and having a car with certain safety features. Perhaps the only downside to Geico is that its coverage is limited. However, this could be a great option for drivers who need a basic and rudimentary policy.
Learn more: Geico Assurance review
State Farm is the largest auto insurance company in the country and one of the best providers in Athens. State Farm offers good customer service, affordable coverage, and great discounts, including two rewards programs for safe drivers. Drivers under 25 can benefit from a reduction of up to 20% by enrolling in the Steer Clear program, and drivers over 25 can save up to 30% by enrolling in the program Drive safely and save program. State Farm has pretty basic coverage, but you can add ridesharing insurance, roadside assistance, or rental car coverage for an additional cost.
Learn more: State agricultural insurance review
Auto owners are rated above average for overall customer satisfaction in the Southeast region, and the company is known for its excellent customer service. To get a quote or purchase a policy, you can work with an agent in your area. In addition to the favorable rates, drivers in Athens can take advantage of discounts and endorsements from car owners. You can customize your contract by adding gap insurance, reduced value coverage or the Personal Automobile Plus Package, which includes more than 10 additional coverages.
Learn more: Automobile Owners Insurance Review
USAA exclusively sells auto insurance to active duty military personnel, veterans, and their spouses and children. Athens drivers eligible for USAA auto insurance can benefit from affordable coverage, personalized customer service, and great discounts. The company has savings for good students, safe drivers, infrequent driving, parking your vehicle on the base and more. In fact, the USAA claims that drivers can save an average of $ 725 on their auto insurance policy when moving from another carrier.
Learn more: USAA Insurance Review
The cheapest car insurance in Athens
The average cost of auto insurance in Athens is cheaper than the average rate in Georgia, which is $ 1,982 per year for a full coverage policy. However, drivers in Athens pay more for insurance than the average American. For reference, the average auto insurance premium in the United States is $ 1,674 per year.
If you are looking for affordable auto insurance in Athens, here are the cheapest auto insurance rates from the most popular carriers based on market share:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||$ 435||$ 1,522|
|State farm||$ 474||$ 1,327|
|Car owners||$ 477||$ 1,384|
|United States||$ 514||$ 1,398|
|At national scale||$ 550||$ 1,152|
While these five companies offer the cheapest car insurance in Athens, they each have their pros and cons. For example, USAA has great customer service and affordable rates, but it only sells coverage to military personnel. Auto owners sell insurance exclusively through agents, so you won’t be able to get quotes or buy coverage online.
In terms of coverage options, these providers vary widely. Auto Owners and Nationwide offer the most endorsements, while Geico, USAA, and State Farm offer more limited coverage. If you are looking for specific discounts, you will need to compare these companies side by side, as the specific savings available are unique to each vendor.
Insurance requirements in Athens
In the state of Georgia, drivers are required to transport at least Auto insurance 25/50/25. This includes the following liability coverages:
- $ 25,000 for bodily injury coverage per person
- $ 50,000 for accidental bodily injury coverage
- $ 25,000 for accidental property damage liability coverage
While purchasing the required minimum insurance amounts often results in the lowest rate, drivers in Athens who want the cheapest car insurance in Georgia can focus on other important factors as well. There is no guarantee that a minimum coverage policy will cover the full cost of a at-fault accident, meaning you could pay out of pocket if the damage exceeds your policy limit.
Another thing to keep in mind is that drivers who lease or finance their vehicle are generally required to have a full coverage policy until their loan is paid off. Full coverage policies offer the most protection, but they are considerably more expensive than a minimum coverage policy.
Discounts on car insurance in Athens
One of the best ways to get a more affordable car insurance rate in Athens is to take advantage of discounts. Most insurance companies in Athens offer discounts, including:
- Good student discount: High school and college students who maintain a minimum GPA can often qualify for a discount on their auto insurance policy.
- Discount without complaint: Drivers who have no claims on their record in the past three to five years can often get a lower rate.
- Pay in full discount: If you can afford to pay your annual premium up front and in full rather than in monthly installments, you may be able to save money.
- Multi-policy discount: One of the most common discounts is the multi-policy discount, which can lower your rate if you buy two or more policies from the same company.
When looking at auto insurance discounts, one thing to keep in mind is that the actual savings may vary. For example, policy bundle discounts can help you save double digits depending on the provider. However, other discounts, such as full payment, usually save a lot less. Avoiding claims can also help you get a lower premium over time.
Frequently Asked Questions
What is the best auto insurance company?
Each driver will decide on the best auto insurance company based on their personal wants and needs. For some Athens drivers, a company that offers military coverage and discounts may be the most appropriate. For others, insurers with a long list of endorsements may be a better option. The company you choose depends on where you live, the type of coverage you need, the discounts you’re eligible for, your budget, and other factors.
How much does car insurance cost in Athens?
On average, car insurance in Athens costs $ 689 per year for a minimum coverage policy and $ 1,839 per year for a comprehensive policy. However, keep in mind that auto insurance rates are personalized based on factors such as your zip code, claim history, policy limits, and deductible.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- $ 100,000 liability for bodily injury per person
- $ 300,000 in civil liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.
These are sample rates and should only be used for comparison purposes.