Cheapest Auto Insurance in Athens, Georgia (2024)

Hugo offers the cheapest car insurance in Athens, with minimum-coverage policies as low as $51 per month.

Courtney Washington
Courtney Washington

Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated October 30, 2024

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Cheapest recent rates near Athens, Georgia

Recent Athens, Georgia car insurance prices for Chevrolet, Honda, Infiniti , and more.

*Quotes generated for Insurify users in and around Athens, Georgia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Athens, Georgia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Athens can expect to pay an average of $171 per month for car insurance. The city’s rates are less than Georgia’s average of $196 but higher than the national average of $158 per month.

Athens is the fifth-largest city in the state, and it’s home to the University of Georgia, which has more than 37,000 students. The city’s size and large number of students on the road may partly explain why its car insurance rates are more expensive than some other Georgia cities, though it’s much cheaper than Atlanta.[1]  

Rates can vary drastically between companies, so it’s important to compare car insurance quotes from multiple insurers to find the best rate.

Quick Facts
  • Hugo, Auto-Owners, and State Farm are the cheapest car insurance companies for Athens residents.

  • Athens has some of the most expensive car insurance rates in Georgia.

  • Insurers in Georgia can consider your credit history when determining your rates.

Cheapest car insurance companies in Athens

Various factors affect how much you pay for car insurance, including your age, gender, the type of car you drive, and even your ZIP code. Your rates will also vary by insurer, as each uses slightly different formulas to calculate insurance rates.

Ultimately, the insurance company that’s best for you depends on your financial situation and coverage needs. Below are Insurify’s picks for the best car insurance companies in Athens to help you get started. Quotes are based on the monthly averages for Georgia drivers.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
Hugo7.0N/A$274Affordability
Auto-Owners8.5$94$59Students
State Farm9.3$101$64Families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for affordability: Hugo

Compare personalized, real-time quotes
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$202/mo

Hugo is a relatively new company offering pay-as-you-drive liability insurance. Hugo charges no up-front fees, and you can pause your coverage whenever you need by sending a text.

Pros
  • Short-term policies available

  • Flexible, pay-as-you-go insurance

Cons
  • Limited additional coverage available

  • Not an option for financed or leased vehicles

Read more driver reviews of Hugo
Dawn - October 21, 2024
Verified

Paying Too Much

It's pretty expensive and they don't really provide much coverage.

Kimberly - September 21, 2024
Verified

Hugo Whoa!

It's steep, but convenient.

Sheila - September 10, 2024
Verified

Great in a Pinch

It's good when you need it on the spot and don't have a lot of money because you pay daily. However, it's very expensive in the long run.

Best insurer for students: Auto-Owners

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User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$57/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$86/mo

Auto-Owners offers students various discounts, including a good student discount of up to 20% for students who maintain a grade point average of “B” or better. It also offers a discount to students attending school more than 100 miles from home without a vehicle.

Pros
  • Plenty of coverage options

  • Multiple discounts

Cons
  • Below-average J.D. Power customer satisfaction rating in the Southeast region

  • Online claims submission not available

Read more driver reviews of Auto-Owners
Ronald W - October 29, 2024
Verified

They Cancelled Our Home Insurance

We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.

Martha - October 28, 2024
Verified

Good

The premiums keep increasing.

Lawrence - October 24, 2024
Verified

Honest Answers to Questions

Please refer to my answers to the previous questions.

Best insurer for families: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$92/mo

State Farm, the largest U.S. auto insurer by market share, offers drivers a variety of insurance products, including auto, home, small-business, and life insurance. It offers discounts to households insuring multiple vehicles and for customers who bundle multiple policies, so it’s a great option for families looking to pile up the savings.

Pros
  • Above-average J.D. Power rating in the Southeast

  • Rideshare insurance available

Cons
  • Doesn’t offer gap insurance

  • Can’t purchase a policy online. Must use a State Farm agent

Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified

Good

The insurance is higher than other companies' policies.

Marsha - October 29, 2024
Verified

Friendly agents!

Check out their prices!

Linda - October 29, 2024
Verified

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.

Find Cheap Car Insurance in Athens, Georgia

Rates start at $51 per month for liability coverage

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How to get the cheapest car insurance in Athens

Every insurer determines car insurance premiums differently, so you’ll need to shop around to find the cheapest car insurance in Athens. Here are some ways to find the most affordable option for your situation:

  • Apply for discounts. Auto insurance companies typically offer several discounts that can help you save money on a policy, such as good student and defensive driver discounts.

  • Bundle your home and auto insurance policies. If you bundle your car insurance with homeowners, renters, or even life insurance, you could land a discount on your coverage.

  • Select a higher deductible. A higher deductible for collision and comprehensive coverage means a lower premium. Make sure you can afford to pay the deductible out of pocket if you need to file a claim.

  • Maintain a clean driving record. Drivers with clean driving records pay the cheapest premiums. Do your best to drive responsibly and avoid traffic violations.

  • Shop around. Get quotes from at least three car insurance companies before deciding on a policy. Insurance companies weigh factors differently, so you may find cheaper rates for the same coverage from certain companies.

Cheapest liability-only car insurance in Athens: Hugo

All Georgia drivers must carry liability-only car insurance, which covers another driver’s property damage and injury costs from accidents you cause. Because it only meets the state’s minimum requirements and offers no additional coverage, it’s usually the cheapest auto policy available.

The cheapest insurer for liability-only car insurance in Athens is Hugo, with an average premium of $51 per month. The table below outlines the cheapest liability-only policies for drivers in Athens.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Hugo$51
Auto-Owners$57
State Farm$61
COUNTRY Financial$62
Allstate$66
Mile Auto$67
USAA$71
Progressive$82
Safeco$87
GEICO$98
Mercury$102
Clearcover$107
Elephant$123
Liberty Mutual$123
Direct Auto$124
AssuranceAmerica$126
GAINSCO$137
Midvale Home & Auto$137
National General$144
Nationwide$147
Infinity$181
The General$187
Bristol West$207
Foremost$223
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Athens: Auto-Owners

Full-coverage car insurance is optional and usually consists of liability, collision, and comprehensive insurance. Collision insurance covers the cost of damage to your car if you collide with another vehicle or object. Comprehensive insurance covers damages from non-collision events, like theft, fire, or vandalism.

The cheapest insurer for full-coverage car insurance in Athens is Auto-Owners, with an average cost of $86 per month. Here’s a look at the cheapest full-coverage car insurance rates in Athens.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Auto-Owners$86
State Farm$92
COUNTRY Financial$94
Allstate$101
USAA$108
Mile Auto$113
Safeco$141
Progressive$144
GEICO$149
Mercury$159
Elephant$176
State Auto$193
Clearcover$201
Hugo$202
Midvale Home & Auto$211
AssuranceAmerica$219
Liberty Mutual$222
Nationwide$222
Direct Auto$227
National General$243
Foremost$278
GAINSCO$279
The General$321
Infinity$340
Bristol West$403
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Athens, Georgia

Recent Athens, Georgia car insurance prices for Ford, Hyundai, Toyota , and more.

*Quotes generated for Insurify users in and around Athens, Georgia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Athens, Georgia within the last 10 days. Last updated on October 30, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Georgia

Georgia drivers must carry liability insurance coverage and meet the state’s minimum limits. Driving without insurance can result in license and registration suspension, fines, and other penalties. If you’re pulled over or get into an accident, you must provide proof of insurance.

The table below shows Georgia’s minimum car insurance requirements.[2]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person / $50,000 per incident
Property damage liability$25,000 per incident

While liability coverage is enough to drive in Georgia legally, it may not be enough coverage for you. You’ll want to consider additional auto insurance coverages, such as:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for physical damages to your car from a collision or with another vehicle or stationary object like a tree or light pole. Collision also covers damage from rollover accidents or hitting a pothole.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damages to your car from non-collision events, including theft, vandalism, fire, severe weather events, falling objects, and cracked windshields.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for damages to your vehicle and injuries to you and your passengers after a collision with a driver who doesn’t have any insurance or who has insufficient coverage.

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, and driving under the influence (DUI)s are all examples of incidents that can result in higher auto insurance rates for three to five years. Because insurers consider them less risky, Athens drivers with clean driving records usually pay the cheapest rates. But that doesn’t mean drivers with incidents on their records can’t find affordable insurance.

Shop for Car Insurance in Athens, GA

Monthly rates start at $67 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Hugo

Speeding can cause you to lose control of your car and affects your ability to drive safely, so insurers often charge drivers with speeding tickets higher rates than drivers with clean records.

Athens drivers with speeding violations see average monthly rates of $289 for full coverage and $184 for minimum coverage. Here’s what you can expect to pay for liability auto insurance with a speeding ticket compared to a clean driving record.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
Hugo$51$65
Auto-Owners$57$74
State Farm$61$78
COUNTRY Financial$62$82
Allstate$66$85
Mile Auto$67$89
USAA$71$91
Progressive$82$105
Safeco$87$113
GEICO$98$126
Mercury$102$140
Clearcover$107$139
Elephant$123$171
Liberty Mutual$123$171
Direct Auto$124$159
AssuranceAmerica$126$164
GAINSCO$137$190
National General$144$186
Nationwide$147$190
Infinity$181$241
The General$187$243
Bristol West$207$266
Foremost$223$310
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Hugo

If you’re responsible for a car accident, insurance companies perceive you as a greater risk and, in turn, charge you higher premiums for several years. Buying accident forgiveness coverage before something happens can help ensure your rates don't increase following your fist at-fault accident.

An at-fault accident pushes average car insurance rates for Athens drivers to $302 per month for full coverage and $192 for liability-only insurance. The data below outlines the average cost of auto insurance if you’re in an accident.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
Hugo$51$74
Auto-Owners$57$77
State Farm$61$82
COUNTRY Financial$62$87
Allstate$66$89
Mile Auto$67$95
USAA$71$96
Progressive$82$112
Safeco$87$115
GEICO$98$133
Mercury$102$147
Clearcover$107$155
Elephant$123$163
Liberty Mutual$123$178
Direct Auto$124$171
AssuranceAmerica$126$169
GAINSCO$137$178
National General$144$196
Nationwide$147$201
Infinity$181$241
The General$187$257
Bristol West$207$278
Foremost$223$323
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Hugo

Insurers see drivers with DUIs as very risky to insure and charge them extremely high rates or refuse to provide coverage altogether. Some insurers could cancel your policy mid-term following a DUI conviction.

Athens drivers with a DUI on their record pay an average of $344 per month for full-coverage car insurance and $219 for liability. The table below highlights liability rates from other affordable insurers for Athens drivers with DUIs.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
Hugo$51$84
Auto-Owners$57$94
State Farm$61$101
COUNTRY Financial$62$102
Allstate$66$109
Mile Auto$67$110
USAA$71$117
Progressive$82$135
Safeco$87$143
GEICO$98$162
Mercury$102$154
Clearcover$107$176
Elephant$123$203
Liberty Mutual$123$203
Direct Auto$124$204
AssuranceAmerica$126$208
GAINSCO$137$226
National General$144$237
Nationwide$147$242
Infinity$181$298
The General$187$308
Bristol West$207$341
Foremost$223$368
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Hugo

Age-related factors — like mobility, vision, and cognitive issues — make senior drivers more likely to get into accidents than middle-aged drivers, so they usually pay more expensive premiums. Average rates typically decrease around age 25 and increase again around age 70 due to a higher risk of accidents. Seniors can still lock in affordable coverage with the right insurer, however.

Seniors in Athens pay an average of $105 per month for liability-only car insurance and $166 for full coverage. The table below shows some other cheap auto insurance companies for seniors in Athens.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Hugo$40$157
Auto-Owners$44$66
State Farm$46$70
COUNTRY Financial$49$74
Mile Auto$50$84
Allstate$52$80
USAA$56$85
Progressive$58$101
Safeco$72$116
GEICO$77$117
Mercury$77$121
Clearcover$87$164
AssuranceAmerica$93$162
Direct Auto$95$174
Elephant$98$140
Liberty Mutual$101$182
National General$108$183
Nationwide$108$162
GAINSCO$113$230
Infinity$135$253
The General$149$257
Bristol West$162$316
Foremost$174$216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Hugo

Teen drivers have less driving experience than other age groups, making them more likely to get into accidents, so insurers charge them higher premiums to account for this increased risk. They can save on policies by staying on their parents’ insurance, completing an approved defensive driving course, or taking advantage of good student discounts. Teens younger than 18 can't legally buy their own insurance policies without written consent from a parent or guardian.

Teen drivers in Athens pay an average of $402 per month for full-coverage car insurance and $256 for liability-only policies. The table below shows some of the cheapest monthly car insurance quotes for teens with their own policies in Athens.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Hugo$88$348
COUNTRY Financial$96$145
Auto-Owners$102$154
State Farm$110$165
Allstate$123$188
USAA$125$190
Mile Auto$136$229
Progressive$153$269
GEICO$164$250
Safeco$182$294
Mercury$192$300
Elephant$212$303
Clearcover$215$404
Liberty Mutual$229$413
Direct Auto$237$434
AssuranceAmerica$244$423
GAINSCO$251$512
Nationwide$267$404
National General$297$501
The General$315$541
Infinity$345$649
Bristol West$369$718
Foremost$416$519
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Athens car insurance quotes by credit tier

Georgia allows insurance companies to consider your credit-based insurance score when determining car insurance premiums. Insurers view drivers with good to excellent credit as less risky than drivers with bad credit and charge them cheaper premiums.[3]

The chart below highlights average rates for drivers of varying credit-based insurance scores in Athens.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Athens?

Compared to the state of Georgia average of $196 per month, Athens drivers pay less for car insurance. However, they pay much more than the national average monthly cost for car insurance of $158.

More cities in Georgia

Factors such as crime rate and population density can affect your premiums. Cities with higher population densities, like Atlanta and Savannah, typically have higher rates than smaller cities, such as Albany and Woodstock. Here’s how the average cost of car insurance in Athens compares to average costs in other Georgia cities.

City
Average Quote: Liability Only
Average Quote: Full Coverage
Albany$133$216
Atlanta$222$274
Columbus$140$239
Dallas$171$242
Gainesville$139$230
Lawrenceville$175$267
Marietta$174$246
Savannah$179$258
Valdosta$108$186
Woodstock$163$248
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Athens car insurance FAQs

Finding the right car insurance can be difficult. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Athens.

  • How much is car insurance in Athens?

    On average, car insurance in Athens costs $209 per month for full coverage and $133 for liability-only insurance. Your exact premium will depend on factors like your location, driving record, age, gender, and credit history.

  • Which company has the cheapest car insurance in Athens?

    Hugo offers the cheapest car insurance rates in Athens, starting at $51 for liability-only coverage. Athens drivers can also find cheap rates from Auto-Owners and State Farm, which have liability rates as low as $57 and $61, respectively.

  • What are the best car insurance companies in Athens?

    Many reliable insurers offer coverage in Athens, but Hugo, Auto-Owners, and State Farm stand out as the best car insurance companies. Auto-Owners and State Farm both have Insurify Quality Scores above 4.0 (out of 5.0), A++ (Superior) financial strength ratings from AM Best, and strong ratings from J.D. Power. Hugo is the best option for infrequent drivers in Athens, offering affordable pay-as-you-drive policies.

  • How much is the average car insurance per month in Georgia?

    Car insurance in Georgia costs an average of $77 per month for car insurance. Drivers can expect to pay $55 for liability coverage and $99 for full coverage.

  • What’s the minimum car insurance in Georgia?

    All Georgia drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, along with $25,000 per accident in property damage liability coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. World Population Review. "Georgia Cities by Population (2023)."
  2. Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
  3. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
Courtney Washington
Courtney Washington

Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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