In 2019, there were 6741 car crashes in Athens. Athens drivers must have car insurance in order to cover their legal and financial responsibilities in case of an accident. According to Bankrate’s 2021 study on annual premiums, the average cost of car insurance is $689 for minimum coverage, and $1,839 if you get full coverage.
Many car insurance providers in Georgia serve Athens. Our insurance editorial team compared the top providers in Athens based on market share, average rates, coverage options and third-party ratings.
The best car insurance companies of Athens
Athens’ best car insurance companies offer below-average rates, great customer satisfaction ratings and generous discounts. They also provide reliable coverage and financial stability. Below is a table that compares each provider and shows their average quoted premiums. It was compiled from Quadrant Information Service.
Athens residents may consider Geico when looking for car insurance. It is one of the most favored providers in Georgia. Geico’s low-cost coverage and impressive discounts may explain its popularity. Geico offers discounts for safe drivers, good students, members, bundles, safety features, and emergency deployment. Geico’s coverage may be a drawback. It could still be a good option for drivers who only need a basic policy.
State Farm is the biggest car insurance company in America and is one of Athens’ best providers. State Farm offers great customer service, affordable coverage, and great discounts. They also offer two safe driver reward programs. Steer Clear is a program that offers drivers under 25 a discount up to 20% . Drivers over 25 can receive a 30% savings by signing up for the Drive Safe & Save Program. State Farm offers basic coverage. However, you can purchase rideshare, roadside assistance, or rental car coverage at an additional cost.
Auto-Owners has been rated above average for overall customer satisfaction in Southeast Region. The company is also known for providing excellent customer service. You can speak with an agent to obtain a quote and purchase a policy. Athens drivers have the option to take advantage of Auto Owners’ discounts or endorsements. Personalize your policy with gap coverage or diminished value coverage. The Personal Automobile Plus Package includes more than 10 coverages.
USAA sells only car insurance to active-duty military personnel, veterans, their spouses and children. Athens residents who are eligible for USAA car insurance will be able to get affordable coverage, great customer service, and great discounts. USAA offers savings to good students and safe drivers. They also offer discounts for those who drive infrequently, keep your vehicle at base, and other things. USAA claims that motorists can cut an average $725 off their car insurance policies by switching from another carrier.
Athens has the lowest car insurance
Athens’ average car insurance cost is lower than the average Georgia rate of $1,982 per year for a full coverage policy. Athens drivers pay more for insurance than the average American. The average American car insurance premium is $1,674 annually.
Here are the best Athens car insurance rates based on market share.
These five companies may offer the lowest car insurance at Athens. However, each company has its pros and cons. USAA, for example, is known for its great customer service and affordable rates. However, it does not sell coverage to military personnel or their immediate families. Auto-Owners only sells insurance through licensed agents. You will not be able get a quote online or to purchase coverage.
These providers offer a wide range of coverage options. Nationwide and Auto-Owners offer the most endorsements. State Farm, USAA, and Geico offer less coverage. You will need to compare these companies to find specific discounts. Each provider offers unique savings.
Athens insurance requirements
Drivers in Georgia must have at least 25/50/25 automobile insurance. This includes personal liability coverages like:
- $25,000 per person for bodily injury coverage
- $50,000 per accident for bodily injury coverage
- $25,000 per accident for property damage liability coverage
While purchasing minimum coverage insurance can often result in a lower rate, Athens drivers who are looking for the lowest car insurance in Georgia might want to pay attention to other important factors. You can’t guarantee that your minimum coverage policy will cover all damages resulting from an accident at fault. This means you may have to pay out-of pocket if they exceed your policy’s limits.
Remember that all drivers who lease or finance their vehicle must have full coverage until the loan is paid off. Although they offer greater protection, full coverage policies are more costly than minimum coverage.
Athens car insurance discount
Take advantage of discounts to obtain a lower car insurance rate in Athens. Many insurance companies offer discounts in Athens, including:
- Student discount: High school and college students who have a minimum GPA may be eligible for a discount on their auto insurance policies.
- Low rates for drivers who have not had any claims in the past three to five years.
- You may save money if you are able to pay your annual premium in one lump sum.
- Multi-policy discount – This discount is one of the most popular. It can reduce your rate if multiple policies are purchased from the same company.
One thing to remember when looking at car insurance discounts is that the actual savings can vary. You may be able to save as much as double the amount depending on which provider you choose. Other discounts, like paying in full, often offer smaller savings. You can also avoid claims to get a lower premium.
Questions frequently asked
Which is the best auto insurance company?
Each driver will choose the best car insurer according to their needs and wants. A company that provides coverage and discounts to military personnel may be the best for some Athens drivers. Others may prefer insurers with a large endorsements list. The type of coverage you require, the discounts you are eligible for, where you live and your budget all play a role in choosing the right company.
What is the cost of car insurance in Athens?
Car insurance in Athens averages $689 per year for a minimum coverage policy, and $1,839 per year for a complete policy. Keep in mind, however, that car insurance rates can be personalized depending on factors such as your ZIP code, claim history and policy limits.