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Get Cheap Car Insurance in Athens, AL
We monitor insurance prices, helping the average driver in Athens save up to 30.9% on car insurance.
The Cheapest Minimum Coverage in Athens
The chart below shows the cheapest car insurance company in Athens for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Travelers, followed by Gainsco, State Farm, and Safe Auto.
| Athens Insurer | Monthly Cost |
|---|---|
| Travelers | $69 |
| Gainsco | $72 |
| State Farm | $75 |
| Safe Auto | $76 |
Savings for Every Kind of Athens Driver
Based on our extensive insurance data, we know the average Athens driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $386 per year by choosing the right vehicle insurance company. Some Athens residents are paying out over $1,558 extra every year for auto insurance in Athens. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Athens, AL Savings / Yr. |
|---|---|
$386 |
|
$525 |
|
$492 |
|
$558 |
|
$1,211 |
|
$67 |
|
$329 |
Athens Car Insurance vs. Alabama
People living in Athens pay an average of 2.82% less than the typical driver in the state. The average driver in Athens can expect to pay about $1,028 per year, or $1,558 for full coverage.
Based on our analysis, Travelers will be the cheapest provider in Athens for most people.
Car Insurance Prices by Athens Neighborhood
Insurance Prices
Where is insurance cheapest within Athens?
The map shows insurance prices in and around Athens, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $211 per year within the city boundaries, with insurance premiums ranging from a high of $1,654 to a low of $1,443. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of Athens.Pick the Best Car Insurance Company for You in Athens
The best car insurance provider for most drivers in Athens
For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $386 over the average Athens car insurance company.
The best car insurance provider for Athens drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $525 over the competition.
The best car insurance company for Athens drivers with speeding tickets
>Safe Auto gave the average person with a speeding ticket the most savings, averaging $492 better than other car insurance companies.
The best auto insurance for Athens drivers with a DUI conviction
Getting a quote from Allstate may cost the average person with a DUI about $558 less each year.
The least expensive car insurance company for new and young drivers in Athens
In Athens, Travelers costs young drivers $1,211 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Athens
State Farm gave the largest car insurance discounts to married couples, averaging $67 saved each year compared to an average Athens couple's premiums.
The cheapest car insurance in Athens for drivers with bad credit
The best Athens car insurance company for customer service
Recent price drops
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The cheapest large national provider in Athens
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Athens driver can expect to pay about $101 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Athens, USAA has the best prices for drivers with accidents, married couples, good drivers, young drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Athens
What Influences the Cost of Car Insurance in Athens?
On average, car insurance in Athens is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Athens is 33 minutes, which is a little less than average for a driver in the state.
- Alabama state insurance regulations may require higher prices.
- An average of 0 to 1 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Athens are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Athens is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Athens is $86 per month for minimum coverage and $130 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Tanner Crossroads: Insurance costs 2.12% less
- Hays Mill: Insurance costs 1.99% less
- Jones Crossroads: Insurance costs 0.32% less
- Tanner: Insurance costs 0.58% less
- Reid: Insurance costs 0.13% more
- Brookwood Forest: Insurance costs 0.06% less
- Elkmont: Insurance costs 2.57% less
- Thach: Insurance costs 3.47% less
- Gipsy: Insurance costs 1.35% less
- Ripley: Insurance costs 0.06% less
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