Compare Athens, AL Car Insurance Rates (2021)

Car insurance in Athens, AL averages $294 a month. Athens, Alabama car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Athens car insurance rates, compare quotes from the top car insurance companies in Athens, AL.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Athens is USAA
  • Average car insurance rates in Athens, AL are $3,523/year
  • Average car insurance rates in Athens, AL after a DUI are $4,019/year

If you need to buy Athens, Alabama car insurance, the options can be confusing. Everything you need to know about car insurance in Athens, AL is right here.

You’ll find Athens car insurance rates, the cheapest Athens, AL car insurance companies, and information on Alabama car insurance laws. You can also compare Athens, Alabama car insurance rates to Auburn car insurance rates, Birmingham car insurance rates, and Dothan car insurance rates.

Ready to find affordable Athens, AL car insurance today? Enter your ZIP code for fast, free Athens car insurance quotes.

Cheapest Athens, AL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Athens, AL car insurance rates? Every Athens, Alabama car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Athens, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,910 $1,820 $1,735 $1,768 $6,659 $7,161 $2,126 $2,167
Farmers $2,230 $2,211 $1,992 $2,118 $8,712 $8,959 $2,538 $2,635
GEICO $1,887 $1,878 $1,810 $1,872 $4,963 $4,863 $1,985 $1,837
Liberty Mutual $3,026 $3,266 $2,478 $2,771 $11,290 $12,551 $3,219 $3,424
Nationwide $1,720 $1,740 $1,570 $1,622 $4,565 $5,863 $1,910 $2,131
Progressive $2,295 $2,144 $1,884 $2,019 $9,497 $10,577 $2,676 $2,830
State Farm $2,714 $2,714 $2,468 $2,468 $8,397 $10,500 $3,071 $3,548
Travelers $1,336 $1,355 $1,263 $1,258 $7,267 $11,455 $1,266 $1,430
USAA $1,261 $1,276 $1,176 $1,146 $3,782 $4,188 $1,641 $1,765

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Athens, AL

Every driver must carry the minimum car insurance in Athens, AL. Take a look at the Alabama car insurance requirements.

Minimum Required Car Insurance Coverage in Athens, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Athens, AL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Athens, AL. Compare credit history car insurance rates in Athens from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Athens, Alabama

Insurance Company Poor Fair Good
Allstate $3,914 $3,076 $2,515
Farmers $4,397 $3,788 $3,589
GEICO $3,353 $2,393 $2,165
Liberty Mutual $7,514 $4,621 $3,625
Nationwide $3,185 $2,486 $2,250
Progressive $4,778 $4,106 $3,837
State Farm $7,273 $3,681 $2,501
Travelers $3,627 $3,149 $3,210
USAA $2,728 $1,775 $1,585

Cheapest Athens, AL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Athens, AL to rates for a clean record with top companies.

Annual Athens, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,694 $3,175 $3,761 $3,043
Farmers $3,298 $4,274 $4,169 $3,956
GEICO $1,776 $2,863 $3,548 $2,362
Liberty Mutual $4,117 $5,744 $5,603 $5,550
Nationwide $2,313 $2,313 $3,356 $2,579
Progressive $3,822 $4,817 $4,128 $4,194
State Farm $4,036 $5,034 $4,435 $4,435
Travelers $2,773 $2,908 $4,262 $3,372
USAA $1,561 $1,962 $2,906 $1,688

Cheapest Athens, AL Car Insurance for Teen Drivers

Teen car insurance in Athens, AL can be expensive. Take a look at rates from the top car insurance companies in Athens for teenagers.

Annual Car Insurance Rates for Teen Drivers in Athens, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,659 $7,161
Farmers $8,712 $8,959
GEICO $4,963 $4,863
Liberty Mutual $11,290 $12,551
Nationwide $4,565 $5,863
Progressive $9,497 $10,577
State Farm $8,397 $10,500
Travelers $7,267 $11,455
USAA $3,782 $4,188

Cheapest Athens, AL Car Insurance for Seniors

Take a look at Athens, AL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Athens, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,735 $1,768
Farmers $1,992 $2,118
GEICO $1,810 $1,872
Liberty Mutual $2,478 $2,771
Nationwide $1,570 $1,622
Progressive $1,884 $2,019
State Farm $2,468 $2,468
Travelers $1,263 $1,258
USAA $1,176 $1,146

Cheapest Athens, AL Car Insurance Rates After a DUI

A DUI in Athens, AL increases car insurance rates. Compare Athens, Alabama DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Athens, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,761
Farmers $4,169
GEICO $3,548
Liberty Mutual $5,603
Nationwide $3,356
Progressive $4,128
State Farm $4,435
Travelers $4,262
USAA $2,906

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Athens, AL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Athens, AL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Athens, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,168 $3,168
Farmers $3,924 $3,924
GEICO $2,591 $2,683
Liberty Mutual $5,253 $5,253
Nationwide $2,640 $2,640
Progressive $4,240 $4,240
State Farm $4,376 $4,594
Travelers $3,329 $3,329
USAA $1,937 $2,122

Cheapest Athens, AL Car Insurance Rates by ZIP Code

Athens car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Athens, AL.

Annual Car Insurance Rates by ZIP Code in Athens, Alabama

ZIP Code Average Annual Rates
35611 $3,618
35613 $3,652
35614 $3,656

The Best Cheap Car Insurance Companies in Athens, AL

Take a look at a side-by-side comparison of the top car insurance companies in Athens, AL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Athens, Alabama

Insurance Company Average Annual Rates
Allstate $3,168
Farmers $3,924
GEICO $2,637
Liberty Mutual $5,253
Nationwide $2,640
Progressive $4,240
State Farm $4,485
Travelers $3,329
USAA $2,029

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Athens, Alabama

Find the cheapest car insurance companies in Athens, AL for each category right here.

Best Annual Car Insurance Rates by Company in Athens, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Athens, AL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Athens car insurance rates. Find the cheapest Athens, AL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Athens, Alabama

Insurance Company Low Medium High
Allstate $3,047 $3,162 $3,295
Farmers $3,703 $3,873 $4,197
GEICO $2,419 $2,624 $2,868
Liberty Mutual $5,010 $5,228 $5,521
Nationwide $2,626 $2,617 $2,677
Progressive $3,774 $4,216 $4,732
State Farm $4,230 $4,480 $4,746
Travelers $3,144 $3,395 $3,447
USAA $1,959 $2,019 $2,110

What affects car insurance rates in Athens, Alabama?

What factors can have an impact on Athens, AL car insurance? There are several reasons why Athens car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Athens, Alabama.

Car Theft in Athens

High levels of vehicle theft can make car insurance more expensive. Athens, AL car theft statistics from the FBI indicate 28 vehicle thefts a year.

Commute Time in Athens

The more time you spend in your car the higher the risk of an accident. The average commute length in Athens, AL is 22.6 minutes according to City-Data.

Traffic in Athens

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Athens, AL traffic data from INRIX ranks Athens as the 35th-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Athens, AL

Ready to find affordable Athens, Alabama car insurance today? Enter your ZIP code for fast, free Athens, AL car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State