In 2019, there were 6,741 car accidents in Athens, Georgia. Drivers in Athens are required to carry car insurance to protect their legal and financial responsibilities in the event of a crash. 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 quoted annual premiums.
There are many car 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 largest 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 showcases how each top provider stacks up against one another and includes their up-to-date average quoted premiums, gathered from Quadrant Information Services.
|Insurance company||J.D. Power score (Southeast 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|
|Auto-Owners||849 / 1,000||$477||$1,384|
|USAA||*890 / 1,000||$514||$1,398|
*Due to membership eligibility restrictions, USAA is considered rank-ineligible by J.D. Power.
When looking for good car insurance, Athens drivers may 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, membership groups, bundling your policies and having a car with certain safety features. The only downside to Geico may be that its coverage is limited. However, it could be a great option for drivers who need a basic, bare-bones policy.
Learn more: Geico Insurance review
State Farm is the largest car insurance company in the country and it is one of the best providers in Athens. State Farm has good customer service, affordable coverage and great discounts, including two safe driver rewards programs. Drivers under 25 can get a discount of up to 20% by enrolling in the Steer Clear program, and drivers over 25 can save up to 30% by enrolling in the Drive Safe & Save program. State Farm has fairly basic coverage, but you can add rideshare insurance, roadside assistance or car rental coverage for an added cost.
Learn more: State Farm Insurance review
Auto-Owners is rated above average in overall customer satisfaction in the Southeast region, and the company is known for having great customer service. To get a quote or purchase a policy, you can work with an agent in your area. In addition to low rates, Athens drivers can take advantage of Auto-Owners’ discounts and endorsements. You can personalize your policy by adding gap insurance, diminished value coverage or the Personal Automobile Plus Package, which comes with more than 10 additional coverages.
Learn more: Auto-Owners Insurance review
USAA exclusively sells car insurance to active duty military members, veterans and their spouses and children. Athens drivers who qualify for USAA car insurance can get affordable coverage, personalized customer service and great discounts. The company has savings for good students, safe drivers, driving infrequently, garaging your vehicle on base and more. In fact, USAA claims that drivers can save an average of $725 on their car insurance policy when they switch from another carrier.
Learn more: USAA Insurance review
Cheapest car insurance in Athens
The average cost of car insurance in Athens is less expensive than the average rate in Georgia, which is $1,982 annually for a full coverage policy. However, drivers in Athens pay more for insurance than the average American. For reference, the average car insurance premium in the United States is $1,674 per year.
If you are looking for affordable car insurance in Athens, here are the cheapest car 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|
Although these five companies offer the cheapest car insurance in Athens, they each have pros and cons. For instance, USAA has great customer service and affordable rates, but it only sells coverage to military personnel and their immediate families. Auto-Owners exclusively sells insurance through agents, so you will not be able to get a quote or purchase coverage online.
In terms of coverage options, these providers vary significantly. Auto-Owners and Nationwide offer the most endorsements, whereas 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 provider.
Athens insurance requirements
In the state of Georgia, drivers are required to carry at least 25/50/25 car insurance. That includes the following personal liability coverages:
- $25,000 for bodily injury coverage per person
- $50,000 for bodily injury coverage per accident
- $25,000 for property damage liability coverage per accident
Although purchasing the minimum required amounts of insurance often leads to the lowest rate, drivers in Athens who want the cheapest car insurance in Georgia may also want to focus on other important factors. There is no guarantee that a minimum coverage policy will cover the full cost of an at-fault accident, which means you could pay out-of-pocket if the damages exceed your policy’s limit.
Another thing to keep in mind is that drivers who lease or finance their vehicle are usually 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.
Car insurance discounts 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: Students in high school and college who maintain a minimum GPA can often qualify for a discount on their car insurance policy.
- Claim-free discount: Drivers who have no claims on their record within the last three to five years can often get a lower rate.
- Pay in full discount: If you can afford to pay your annual premium upfront and in full rather than in monthly installments, you may be able to save some 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 insurance policies from the same company.
When looking into car insurance discounts, one thing to keep in mind is that the actual savings will vary. For instance, policy bundling discounts can help you save within the double digits depending on the provider. However, other discounts, such as paying in full, usually have much smaller savings. Avoiding claims can also help you get a lower premium over time.
Frequently asked questions
What is the best car insurance company?
Every driver will decide the best car insurance company based on their personal wants and needs. For some Athens drivers, a company that offers coverage and discounts for military members may be the most fitting. For others, insurers that have an extensive endorsements list may be a better option. The company you decide on depends on where you live, what type of coverage you need, what discounts you qualify for, your budget and other factors.
How much does car insurance in Athens cost?
On average, car insurance in Athens costs $689 annually for a minimum coverage policy and $1,839 annually for a full policy. However, keep in mind that car insurance rates are personalized based on factors like your ZIP code, claim history, policy limits and the deductible.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.