Compare Athens, IN Car Insurance Rates (2021)

Car insurance in Athens, IN averages $268 a month. Athens, Indiana 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, IN.

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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...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Athens, IN after a DUI are $3,832/year
  • The cheapest car insurance company in Athens is USAA
  • Average car insurance rates in Athens, IN are $3,221/year

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

You’ll find Athens car insurance rates, the cheapest Athens, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Athens, Indiana car insurance rates to Fort Wayne car insurance rates, Hammond car insurance rates, and Carmel car insurance rates.

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

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

How do age, gender, and marital status affect Athens, IN car insurance rates? Every Athens, Indiana 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, Indiana

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 $2,377 $2,435 $2,090 $2,290 $7,315 $9,251 $2,407 $2,615
American Family $2,307 $2,307 $2,063 $2,063 $6,152 $8,981 $2,307 $2,854
Farmers $1,439 $1,420 $1,233 $1,384 $7,640 $8,139 $1,888 $2,041
GEICO $1,534 $1,521 $1,431 $1,480 $4,461 $4,147 $1,750 $1,547
Liberty Mutual $3,986 $3,986 $3,662 $3,662 $8,754 $13,230 $3,986 $5,473
Nationwide $1,577 $1,616 $1,383 $1,480 $4,523 $5,889 $1,843 $2,018
Progressive $1,602 $1,522 $1,450 $1,461 $9,267 $10,439 $2,006 $2,050
State Farm $1,409 $1,409 $1,250 $1,250 $4,173 $5,362 $1,556 $1,726
Travelers $1,254 $1,277 $1,174 $1,174 $7,687 $12,098 $1,327 $1,542
USAA $985 $972 $914 $925 $2,708 $3,035 $1,333 $1,432

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Minimum Car Insurance in Athens, IN

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

Minimum Required Car Insurance Coverage in Athens, Indiana

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, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Athens, IN. 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, Indiana

Insurance Company Poor Fair Good
Allstate $4,768 $3,548 $3,227
American Family $4,953 $3,229 $2,706
Farmers $3,677 $2,994 $2,773
GEICO $2,688 $2,234 $1,780
Liberty Mutual $7,780 $5,064 $4,683
Nationwide $2,892 $2,446 $2,285
Progressive $4,115 $3,635 $3,424
State Farm $3,303 $1,970 $1,528
Travelers $3,834 $3,247 $3,244
USAA $2,075 $1,367 $1,171

Cheapest Athens, IN 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, IN to rates for a clean record with top companies.

Annual Athens, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,074 $4,516 $4,153 $3,647
American Family $2,501 $3,991 $5,046 $2,979
Farmers $2,817 $3,284 $3,381 $3,110
GEICO $1,471 $2,307 $3,115 $2,043
Liberty Mutual $4,572 $5,380 $8,386 $5,033
Nationwide $2,185 $2,817 $2,701 $2,461
Progressive $2,792 $4,890 $3,329 $3,887
State Farm $2,215 $2,422 $2,215 $2,215
Travelers $2,923 $3,614 $4,095 $3,135
USAA $1,164 $1,651 $1,894 $1,443

Cheapest Athens, IN Car Insurance for Teen Drivers

Teen car insurance in Athens, IN 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, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,315 $9,251
American Family $6,152 $8,981
Farmers $7,640 $8,139
GEICO $4,461 $4,147
Liberty Mutual $8,754 $13,230
Nationwide $4,523 $5,889
Progressive $9,267 $10,439
State Farm $4,173 $5,362
Travelers $7,687 $12,098
USAA $2,708 $3,035

Cheapest Athens, IN Car Insurance for Seniors

Take a look at Athens, IN 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, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,090 $2,290
American Family $2,063 $2,063
Farmers $1,233 $1,384
GEICO $1,431 $1,480
Liberty Mutual $3,662 $3,662
Nationwide $1,383 $1,480
Progressive $1,450 $1,461
State Farm $1,250 $1,250
Travelers $1,174 $1,174
USAA $914 $925

Cheapest Athens, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Athens, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,153
American Family $5,046
Farmers $3,381
GEICO $3,115
Liberty Mutual $8,386
Nationwide $2,701
Progressive $3,329
State Farm $2,215
Travelers $4,095
USAA $1,894

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Cheapest Athens, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Athens, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,848 $3,848
American Family $3,585 $3,673
Farmers $3,148 $3,148
GEICO $2,193 $2,275
Liberty Mutual $5,687 $5,998
Nationwide $2,541 $2,541
Progressive $3,725 $3,725
State Farm $2,202 $2,332
Travelers $3,442 $3,442
USAA $1,517 $1,558

The Best Cheap Car Insurance Companies in Athens, IN

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

Average Annual Car Insurance Rates by Company in Athens, Indiana

Insurance Company Average Annual Rates
Allstate $3,848
American Family $3,629
Farmers $3,148
GEICO $2,234
Liberty Mutual $5,842
Nationwide $2,541
Progressive $3,725
State Farm $2,267
Travelers $3,442
USAA $1,538

Category Winners: Cheapest Car Insurance in Athens, Indiana

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

Best Annual Car Insurance Rates by Company in Athens, Indiana

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

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Cheapest Athens, IN 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, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Athens, Indiana

Insurance Company Low Medium High
Allstate $3,653 $3,833 $4,056
American Family $3,604 $3,750 $3,534
Farmers $3,035 $3,141 $3,268
GEICO $2,089 $2,228 $2,385
Liberty Mutual $5,656 $5,828 $6,043
Nationwide $2,587 $2,520 $2,516
Progressive $3,500 $3,661 $4,013
State Farm $2,161 $2,266 $2,375
Travelers $3,390 $3,473 $3,462
USAA $1,486 $1,534 $1,594

What affects car insurance rates in Athens, Indiana?

What factors can have an impact on Athens, IN 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, Indiana.

Traffic in Athens

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

Compare Car Insurance Quotes in Athens, IN

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

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Average Monthly Car Insurance Rates by State