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Do you need auto insurance in Athens? At AutoInsuranceEZ.com, you can get the very best insurance rates in your city. To acquire free car insurance quotes from the top rated providers today, provide your zip code into the quote box on this page.

Athens is known as a college town and has been the home to the University of Georgia since 1785. It was also home to a large industry of cotton mills back in the early 1800’s. Popular businesses in Athens include the publishing house Hill Street Press and a small tourism industry. Athens also has a vibrant art and culture scene.

  • Fun fact: Did you know that Athens is #1 on the list of “Top 101 cities with largest percentage of females in occupations: Entertainers and performers, sports, and related workers (population 50,000+)”? Learn more about Athens.

Auto Insurance Coverage Requirements in Georgia

Legally driving in Georgia requires the following minimum forms of coverage:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

While purchasing the minimum legal requirement for auto coverage might seem like the better deal, beware the allure of a cheaper insurance policy with less coverage. With Liability coverage, for example, your insurer will only pay out claims if you are responsible for the accident or incident which damaged your vehicle. Should your car be damaged by any other means, you’re on your own.

Your average driver in Georgia is probably paying around $183 monthly for their auto insurance policy right now. But Athens drivers have the chance to drive legally for as low as $36/mo*! If you want to learn now to lower your rate, just keep reading.

Average Monthly Auto Insurance Premiums Legend: Athens The Hartford Nationwide State Farm Allied Allstate 5 10 15 20 25 30 35 40 $34 $35 $36 $33 $43

 

The top 3 lowest rates in Athens come from providers such as Allied, The Hartford, and Nationwide. But does a lower rate automatically make them the best company? There are other factors to consider, such as customer service and the claims filing process, before you decide which company gets your business.

Auto insurance companies contemplate various factors when assessing insurance quotes, including marital status, occupation, education, your driving record, and theft protection devices. Also keep in mind that premiums change from company to company. To make sure you’re still paying the most affordable rate, learn more about Georgia auto insurance requirements here.

Major Car Insurance Factors in Athens

There are many ways your car insurance rate can be estimated. But not all of it is out of your control; there are steps you can take in order to influence which discounts you are eligible to acquire. Listed here are a few of these factors in greater detail:

  • Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Athens is 85,116 and the median household income is $27,723.

Auto Insurance by Zip Code Legend: Atlanta Athens Savannah Macon Columbus The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 $45 $34 $39 $38 $35 $47 $35 $46 $36 $42 $48 $36 $37 $43 $45 $48 $33 $39 $37 $38 $59 $43 $51 $44 $41

 

  • Automotive Accidents

Athens is a fairly safe place to drive, based on accident statistics. Most recent statistical data recorded only 7 traffic accident fatalities back in 2012. This is well below the national average, which means that insurance providers are much more likely to charge lower rates in the area.

Fatal Accidents in Athens, GA Legend: Athens Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 9 10 11 7 10 2 7 11 3

 

  • Auto Thefts in Athens

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. Even though the statistics on Athens auto theft might make it seem unlikely, taking the necessary precautions to protect your vehicle will likely save you money on car insurance. For example, you could install a passive anti-theft device or a GPS tracking system, or adding Comprehensive coverage to your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 70 80 90 100 110 $45 $76 $47 $79 $48 $82 $48 $77 $59 $115

 

  • Your Credit Score

The secret is out: your credit score can have a serious influence on how expensive (or inexpensive) your monthly premiums will be. As demonstrated in the chart below, having poor credit can increase your rate between 100-200% or more, depending on your insurance company (As well as other factors).

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 $19 $66 $27 $36 $29 $68 $25 $36 $32 $57

 

  • Your Age

The less experience you have behind the wheel, the more likely you are to get into an accident. Insurance companies have decades of data proving this unfortunate fact. And if you are more likely to get into an accident, your insurance company will protect itself against that risk by charging you higher rates, as you can see in the chart below.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 70 80 90 100 110 $45 $75 $47 $104 $48 $118 $48 $89 $59 $89

 

  • Your Driving Record

A speeding ticket here, a fender-bender there, and they can really pile up when it comes to insurance premiums. Luckily, providers have started offering Accident Forgiveness discounts for drivers with one or more minor violations. However, this forgiveness policy is less likely to apply to serious violations, such as DUI or Reckless Driving.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 $45 $29 $31 $34 $47 $34 $56 $32 $48 $39 $39 $42 $48 $33 $58 $41 $59 $38 $47 $63

 

  • Your Vehicle

If you have a common, inexpensive car, it will be much easier to fix or replace should the worst happen than an expensive, luxury vehicle. And an inexpensive car doesn’t require an extensive, comprehensive insurance policy.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 $45 $96 $47 $93 $48 $112 $48 $95 $59 $159

 

Minor Car Insurance Factors in Athens

But don’t forget about these other factors, and how they can influence your rate:

  • Your Marital Status

Want to know how married couples can save on automobile insurance? By bundling, that’s how. When you and your spouse bundle your policies together, you can get some serious savings. And if you have other forms of insurance – such as homeowners, or renters insurance – you can save even more by bundling those as well.

  • Your Gender

For most insurance providers, there is little more than a 1-3% difference in rates between men and women – if they charge a different rate at all. In the grand scheme of things, all other factors being equal, your gender doesn’t make it significantly more or less likely to get into an accident.

  • Your Driving Distance to Work

The average commute for a worker in Athens can last anywhere from 16-24 minutes. The majority of workers also prefer to drive their own car in to work, while a smaller number of drivers prefer to carpool with co-workers.

Some insurers want to make a big deal out of how many miles you drive yearly, or why you’re driving (work/school vs. recreation). But in truth, unless you’re driving a business vehicle (which can see rate hikes as high as 10%) or more, your reason or distance won’t drastically alter your rate.

  • Your Coverage and Deductibles

Of course, there are ways to save on your monthly premiums while increasing the amount of coverage you can purchase. By contacting your provider and raising your deductible, you can lower your monthly payments. But this means that your upfront expenses will be higher if you do have to file a claim.

  • Education in Athens, GA

The largest amount of drivers in Athens have earned a bachelor’s degree, while a slammer percentage have a high school diploma. Those who have a higher education typically get offered better insurance rates from their providers even if they don’t have an important job or a high-paying salary.

Since Athens is a college town, the University of Georgia takes center stage as the prime center for higher education in the area. In addition to being a primary research university, it was also the first college in the US to be chartered by its home state. For a more specialized degree, you can also look into the Athens Technical College.

Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider, and figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Georgia Department of Law Consumer Protection Unit

Georgia Department of Human Services Office of Financial Services

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Find Cheap Auto Insurance in Athens, Georgia – See How Much You Can Save!

FIND THE CHEAPEST INSURANCE QUOTES IN YOUR AREA
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