You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout animation ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the proofreader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow stern guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our contentedness is thoroughly fact-checked to ensure accuracy. sol, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We value your trust. Our mission is to provide readers with accurate and indifferent data, and we have editorial standards in plaza to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ re read is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a rigid editorial policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate contented to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — thus you can feel confident about which provider is right for you. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ re putting your interests inaugural. All of our content is authored by highly qualify professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a farseeing cut commemorate of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making summons and giving people confidence in which actions to take adjacent. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This contentedness is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. In 2019, there were 6,741 car accidents in Athens, Georgia. Drivers in Athens are required to carry car policy to protect their legal and fiscal 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 indemnity companies in Georgia that serve drivers in Athens. To find the best cable car indemnity in Athens, our policy column team compared some of the largest providers by market partake based on average rate, coverage options, discounts and third-party ratings .
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 .
Geico
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
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
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.
Read more: Low Cost Auto Insurance – Atlanta, Georgia
Methodology
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 .