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Best car insurance companies in Athens

The best car indemnity companies in Athens have below-average rates, excellent customer atonement ratings, generous discounts, reliable coverage and good fiscal stability. The table below showcases how each top supplier 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 thoroughly car insurance, Athens drivers may immediately consider Geico as it is one of the most popular cable car insurance providers in Georgia. Its popularity may be chiefly ascribable 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 guard features. The only downside to Geico may be that its coverage is limited. however, it could be a bang-up choice for drivers who need a basic, bare-bones policy. Learn more: Geico Insurance review

State Farm

state farm is the largest car indemnity company in the state and it is one of the best providers in Athens. State Farm has good customer service, low-cost coverage and bang-up discounts, including two dependable driver rewards programs. Drivers under 25 can get a discount of up to 20 % by enrolling in the Steer Clear broadcast, and drivers over 25 can save up to 30 % by enrolling in the Drive Safe & Save platform. State Farm has fairly basic coverage, but you can add rideshare insurance, roadside aid or car rental coverage for an add cost. Learn more: State Farm Insurance revue


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 agentive role 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 policy, diminished value coverage or the Personal Automobile Plus Package, which comes with more than 10 extra coverages. Learn more: Auto-Owners Insurance review


USAA entirely sells car indemnity to active duty military members, veterans and their spouses and children. Athens drivers who qualify for USAA car indemnity can get low-cost coverage, personalized customer serve and capital discounts. The company has savings for dependable students, safe drivers, driving infrequently, garaging your vehicle on infrastructure and more. In fact, USAA claims that drivers can save an average of $ 725 on their cable car indemnity policy when they switch from another carrier. Learn more: USAA Insurance review

Cheapest car insurance in Athens

The median price of car indemnity 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 point, the average car insurance premium in the United States is $ 1,674 per year. If you are looking for low-cost car policy in Athens, here are the cheapest car policy 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
Auto-Owners $477 $1,384
USAA $514 $1,398
Nationwide $550 $1,152

Although these five companies offer the cheap cable car indemnity in Athens, they each have pros and cons. For case, USAA has big customer serve and low-cost rates, but it entirely sells coverage to military personnel and their immediate families. Auto-Owners entirely sells indemnity through agents, so you will not be able to get a quote or buy coverage on-line. 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 supplier .

Athens insurance requirements

In the state of Georgia, drivers are required to carry at least 25/50/25 car indemnity. That includes the come 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 command amounts of policy much leads to the lowest rate, drivers in Athens who want the cheapest cable car indemnity in Georgia may besides want to focus on other significant factors. There is no undertake that a minimal coverage policy will cover the full monetary value 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 judgment is that drivers who lease or finance their vehicle are normally required to have a entire coverage policy until their loanword is paid off. Full coverage policies offer the most auspices, but they are well more expensive than a minimum coverage policy .

Car insurance discounts in Athens

One of the best ways to get a more low-cost car policy rate in Athens is to take advantage of discounts. Most policy 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 judgment is that the actual savings will vary. For exemplify, policy bundling discounts can help you save within the double digits depending on the provider. however, other discounts, such as paying in full, normally have a lot smaller savings. Avoiding claims can besides 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 indemnity 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 adjustment. For others, insurers that have an across-the-board 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 minimal coverage policy and $ 1,839 annually for a fully policy. however, keep in thinker that car indemnity 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 drive criminal 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 submit ’ mho requirements. Our al-qaeda profile drivers own a 2019 Toyota Camry, permute five days a week and drive 12,000 miles per annum. These are sample rates and should lone be used for relative purposes .

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