Who Has the Cheapest Car Insurance Rates in Athens?

Do you currently live in or are you planning to move to Athens, Georgia? Whatever your circumstances, if you’ll be driving in Georgia, it’s important you become familiar with the state’s driving and insurance laws. Additionally, you will need to secure some form of auto insurance if you plan to own and operate a vehicle in the state. Even the minimum amount of insurance can be expensive, however. The best way to ensure you get a good rate is to research the available options thoroughly before signing a contract. Take note of rate differences between cities and keep in mind that your driving and credit history will most certainly impact your rate offers. There are also other elements that play a role in determining how much you will pay including population densities, commute times, and the risk of theft.

While not completely standardized, it’s common for people residing in cities with lower population densities to have cheaper auto insurance premiums. Again, this varies, but the cost of coverage in locations with fewer than 5,000 people per square mile does tend to be lower than in areas with more residents due to the lower risk of auto accidents and theft. Athens, Georgia was recently recorded as having a population of just 992.2 people per square mile in 2010, making it a prime location for lower auto insurance rates.

Commute times in Athens, Georgia, are also moderately low. The mean travel time for workers age 16 and older from 2014 to 2018 was 19.3 minutes. The national average during the same timeframe was 26.6 minutes. Because less time spent on the road translates to fewer opportunities for accidents to occur, insurance companies keep this in mind when establishing auto insurance rates.

Fortunately, the criminal incidents in Athens, Georgia also indicate a relatively low risk of auto theft. With only 403 thefts reported, the National Insurance Crime Bureau (NICB) ranked the city #186 on their 2018 Hot Spots Report.

What are the Insurance Requirements in Athens?

All Georgia drivers are required to have at least the minimum amount of coverage for their vehicle(s).

Bodily Injury Liability Coverage

Drivers must have a minimum of $25,000 of coverage per person and $50,000 of coverage per accident to cover their liability if they are the cause of the accident.

Property Damage Liability Coverage

Drivers must have a minimum of $25,000 coverage per accident in order to cover any property damage; this can be to another vehicle on the road or to a building if they go off the road in an accident.

Uninsured Motorist Bodily Injury

Drivers are advised to maintain a minimum of $25,000 of coverage per person and $50,000 of coverage per accident to cover a motorist who does not have enough coverage to pay the costs they are responsible for.

Uninsured Motorist Property Damage

Drivers are advised to maintain a minimum of $25,000 of coverage with a $250, $500, or $1000 deductible to cover any uninsured motorist in an accident.

It’s important to note that neither the uninsured motorist bodily injury and uninsured motorist property damage coverage are required by law. However, it is recommended that you have this coverage for your own protection. As the cost of healthcare and auto repair increase, it’s often optimal to obtain coverage beyond the minimum required by the state.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Athens by Insurer

Some coverage options are cheaper than others in Athens. While individual premiums will vary, GEICO and Nationwide seem to offer drivers some of the least expensive rates for both minimum and full auto insurance coverage in the state in general. However, immediately opting for the cheapest option is not optimal. It’s always better to seek our coverage that meets your specific needs. Additionally, pay close attention to insurance providers’ customer service ratings and reviews so you are certain you can get service and assistance when you need it most.

Use our guide to get a cheap car insurance quote today.

Low Cost Auto Insurance for Bad Credit in Athens

Insurance companies in Georgia are allowed to use driver credit scores when determining individual auto insurance premiums. This does not necessarily mean that drivers with bad credit will be stuck paying more per month. To ensure the best rate possible, research every option thoroughly before making a final decision. On average, GEICO tends to offer the best rates for Georgia drivers in this situation.

Learn how your credit score determines your car insurance premiums.

Differences Between the Two Main Coverages

What is Liability Only Insurance Coverage?

Liability insurance will pay for the injuries and/or damages that you cause to others in the case of a collision where you were at fault. In most cases, liability insurance will cost less than full-coverage insurance, but then again, they are both very different in what they cover. Liability is mandatory in all U.S. states, although how much liability you are required to have differs between states. Even if it wasn’t mandatory to have liability insurance, accidents can happen anytime and, if they do, you will need to be able to pay for the damages that you cause if you were the one to blame.

Why You May Want Full Coverage Car Insurance

Full coverage auto insurance in Arizona pays for your injuries and the damages made to your car as well as for others and isn’t just a specific type of a policy but it is instead liability, comprehensive insurance, and collision all combined. Full coverage insurance is not mandatory, but is good to have since it will help pay for your car to be fixed in the event of an accident that causes you injury or damage to your car, even if you were at fault. If the other person that collided with you was at fault, then their insurance will cover the damages to your car and your injuries. This is why there are laws requiring everyone to have insurance to cover the damages they cause.

What is the Difference Between the Two Types of Car Insurance?

The main difference between having liability and full coverage insurance is that liability insurance will only pay for injuries to others and their damages that resulted from an accident where you were at fault, where full coverage will not only pay for the damages and injuries done to others but will also cover your injuries and auto damages that resulted from an accident that you caused as well.

Average Annual Car Insurance Rates in Georgia by City

Additional cities in Georgia you can check out.

Sandy Springs


How to Lower Your Insurance Rates Policy

There are many ways that you can save on auto insurance in Athens:

  • Raise your deductible

    If you are willing to pay more money for a deductible, in the event of an accident, then you can lower your insurance rates substantially. You can lower your premium to around 10% just by raising your deductible to around $1,000.

  • Drop Collision Coverage on Old Cars

    Dropping collision coverage on older cars can really help save you a lot, especially for cars that are more than ten years old and only worth four or five thousand dollars. Think about it, if you have an accident while driving an older car, are you really going to pay to repair it or just buy a new car?

  • Check Insurance Rates for Your Car’s Make and Model

    The make and model of your car can make a big difference in how much you pay for auto insurance. Therefore, before purchasing a new car, be sure and check the insurance rates for it as some can be much higher than others.

  • Shop Around to Check Rates from Numerous Insurance Companies

    The chart in this article should be enough proof to know that there can be a big difference in what various insurance companies charge for auto insurance. That is why it is a good idea to check rates from a number of insurance companies before deciding which plan to choose.

  • Drive Fewer Miles

    One of the questions asked when applying for auto insurance rates, is how many miles you drive regularly. This is because the more miles you drive, the more risk you are to the insurance company and the higher your insurance cost will be. Try to drive fewer miles, if possible, to save more money on your premiums.

  • Maintain a Good driving record

    Being a safe driver can not only save your life, but it can also save you a lot of money, too. There is a big difference in how much people with accidents on their record have to pay, and what those without any accidents pay. Therefore, always drive safely.

  • Live in a less populated area

    Your location matters when it comes to auto insurance rates. If you live in a highly populated area, your rates will be higher than if you live in a lower-population area. The Jefferson and New Orleans areas have some of the highest rates in Louisiana, but if you live just 30 minutes outside of the city, you can expect your rates to go down.

We can help you get the best auto insurance discounts to lower your coverage costs here.

These are the Common Reasons for Insurance Rates in Athens

Your car insurance rates can change over time. One of the most reliable factors that will impact your premiums is your age. The older you are, the lower your insurance premiums should be. You may also find your rates vary depending on the car you drive. Sports cars or jeeps may incur higher premiums, while SUVs and sedans are cheaper to insure.

Rates are also impacted by your gender and age, though young women will have lower rates than their same-aged male friends. Actuarial tables show that young drivers are more prone to speeding, alcohol infractions, and accidents than older people, as are young males rather than females.

You can also reduce your regular premium payments by opting for a higher deductible on your collision and comprehensive coverage packages. You can also opt to pay your premium in a larger, single payment every six months rather than spreading the premium out over monthly payments.

If you have a bad driving record and need cheap insurance, compare rates here.

Helpful Athens, Georgia Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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