Compare Athens, OH Car Insurance Rates (2022)

Car insurance in Athens, OH averages $236 a month. Athens, Ohio 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, OH.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 22, 2022

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Here's What You Need to Know

  • The cheapest car insurance company in Athens is USAA
  • Average car insurance rates in Athens, OH are $2,829/year
  • Average car insurance rates in Athens, OH after a DUI are $3,293/year

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

You’ll find Athens car insurance rates, the cheapest Athens, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Athens, Ohio car insurance rates to Columbus car insurance rates, Cincinnati car insurance rates, and Parma car insurance rates.

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

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

How do age, gender, and marital status affect Athens, OH car insurance rates? Every Athens, Ohio 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, Ohio

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 $2,356 $2,361 $2,104 $2,255 $6,344 $7,253 $2,505 $2,697
American Family $973 $1,011 $889 $893 $3,009 $3,271 $1,204 $1,270
Farmers $1,814 $1,811 $1,601 $1,679 $7,489 $7,763 $2,029 $2,137
GEICO $1,414 $1,364 $1,300 $1,293 $3,709 $3,457 $1,577 $1,350
Liberty Mutual $2,091 $2,286 $1,609 $1,957 $10,597 $11,990 $2,235 $2,451
Nationwide $2,235 $2,254 $2,008 $2,033 $5,497 $7,148 $2,405 $2,818
Progressive $1,716 $1,626 $1,426 $1,470 $7,465 $8,414 $2,063 $2,129
State Farm $1,457 $1,457 $1,288 $1,288 $4,301 $5,412 $1,687 $1,933
Travelers $1,500 $1,525 $1,482 $1,476 $6,362 $10,023 $1,561 $1,798
USAA $888 $896 $841 $843 $2,712 $3,025 $1,188 $1,288

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Minimum Car Insurance in Athens, OH

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

Minimum Required Car Insurance Coverage in Athens, Ohio

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, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Athens, OH. 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, Ohio

Insurance Company Poor Fair Good
Allstate $4,496 $3,244 $2,712
American Family $2,078 $1,417 $1,200
Farmers $3,744 $3,137 $2,990
GEICO $2,319 $1,933 $1,547
Liberty Mutual $6,326 $3,857 $3,024
Nationwide $3,983 $3,208 $2,708
Progressive $3,704 $3,188 $2,975
State Farm $3,353 $2,072 $1,634
Travelers $3,600 $3,129 $2,920
USAA $1,900 $1,340 $1,140

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

Annual Athens, Ohio Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,950 $3,549 $4,122 $3,317
American Family $1,499 $1,587 $1,587 $1,587
Farmers $2,721 $3,487 $3,400 $3,554
GEICO $1,328 $1,894 $2,692 $1,819
Liberty Mutual $3,705 $4,736 $4,854 $4,313
Nationwide $2,629 $3,365 $4,290 $2,915
Progressive $2,839 $3,845 $3,019 $3,451
State Farm $2,158 $2,548 $2,353 $2,353
Travelers $2,373 $3,086 $4,649 $2,756
USAA $1,125 $1,504 $1,966 $1,246

Cheapest Athens, OH Car Insurance for Teen Drivers

Teen car insurance in Athens, OH 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, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,344 $7,253
American Family $3,009 $3,271
Farmers $7,489 $7,763
GEICO $3,709 $3,457
Liberty Mutual $10,597 $11,990
Nationwide $5,497 $7,148
Progressive $7,465 $8,414
State Farm $4,301 $5,412
Travelers $6,362 $10,023
USAA $2,712 $3,025

Cheapest Athens, OH Car Insurance for Seniors

Take a look at Athens, OH 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, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,104 $2,255
American Family $889 $893
Farmers $1,601 $1,679
GEICO $1,300 $1,293
Liberty Mutual $1,609 $1,957
Nationwide $2,008 $2,033
Progressive $1,426 $1,470
State Farm $1,288 $1,288
Travelers $1,482 $1,476
USAA $841 $843

Cheapest Athens, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Athens, Ohio

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,122
American Family $1,587
Farmers $3,400
GEICO $2,692
Liberty Mutual $4,854
Nationwide $4,290
Progressive $3,019
State Farm $2,353
Travelers $4,649
USAA $1,966

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Cheapest Athens, OH Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Athens, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,484 $3,484
American Family $1,546 $1,584
Farmers $3,290 $3,290
GEICO $1,897 $1,970
Liberty Mutual $4,402 $4,402
Nationwide $3,300 $3,300
Progressive $3,289 $3,289
State Farm $2,297 $2,409
Travelers $3,216 $3,216
USAA $1,405 $1,516

The Best Cheap Car Insurance Companies in Athens, OH

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

Average Annual Car Insurance Rates by Company in Athens, Ohio

Insurance Company Average Annual Rates
Allstate $3,484
American Family $1,565
Farmers $3,290
GEICO $1,933
Liberty Mutual $4,402
Nationwide $3,300
Progressive $3,289
State Farm $2,353
Travelers $3,216
USAA $1,460

Category Winners: Cheapest Car Insurance in Athens, Ohio

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

Best Annual Car Insurance Rates by Company in Athens, Ohio

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

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

Annual Car Insurance Rates by Coverage Level in Athens, Ohio

Insurance Company Low Medium High
Allstate $3,376 $3,477 $3,599
American Family $1,540 $1,577 $1,578
Farmers $3,149 $3,249 $3,473
GEICO $1,882 $1,926 $1,991
Liberty Mutual $4,250 $4,424 $4,532
Nationwide $3,656 $3,198 $3,045
Progressive $3,183 $3,265 $3,418
State Farm $2,262 $2,358 $2,439
Travelers $3,140 $3,257 $3,251
USAA $1,404 $1,459 $1,518

What affects car insurance rates in Athens, Ohio?

What factors can have an impact on Athens, OH 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, Ohio.

Car Theft in Athens

High levels of vehicle theft can make car insurance more expensive. Athens, OH car theft statistics from the FBI indicate 15 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, OH is 31.3 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, OH traffic data from INRIX ranks Athens as the 35th-most congested in the world.

Compare Car Insurance Quotes in Athens, OH

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

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