Compare Athens, TN Car Insurance Rates (2021)

Car insurance in Athens, TN averages $289 a month. Athens, Tennessee car insurance requirements are 25/50/15, 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, TN.

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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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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

  • The cheapest car insurance company in Athens for teen drivers is State Farm
  • The cheapest car insurance company in Athens is State Farm
  • Average car insurance rates in Athens, TN are $3,463/year

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

You’ll find Athens car insurance rates, the cheapest Athens, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Athens, Tennessee car insurance rates to Bartlett car insurance rates, Murfreesboro car insurance rates, and Chattanooga car insurance rates.

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

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

How do age, gender, and marital status affect Athens, TN car insurance rates? Every Athens, Tennessee 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, Tennessee

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 $2,634 $2,526 $2,372 $2,462 $9,938 $10,798 $2,802 $2,899
Farmers $2,027 $2,066 $1,826 $2,009 $8,339 $8,899 $2,739 $2,864
GEICO $2,043 $2,059 $1,878 $1,878 $6,356 $6,455 $2,085 $2,152
Liberty Mutual $3,238 $129 $2,670 $2,987 $13,192 $14,667 $3,464 $3,685
Nationwide $2,080 $2,100 $1,864 $1,897 $5,607 $7,245 $2,385 $2,596
Progressive $1,748 $1,649 $1,425 $1,490 $7,801 $8,778 $2,104 $2,292
State Farm $1,413 $1,413 $1,273 $1,273 $4,282 $5,359 $1,595 $1,852
Travelers $1,629 $1,713 $1,489 $1,584 $4,596 $5,711 $1,731 $1,821
USAA $1,508 $1,533 $1,363 $1,361 $5,395 $6,191 $1,969 $2,095

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Minimum Car Insurance in Athens, TN

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

Minimum Required Car Insurance Coverage in Athens, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Athens, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Athens, TN. 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, Tennessee

Insurance Company Poor Fair Good
Allstate $5,810 $4,449 $3,402
Farmers $4,584 $3,575 $3,380
GEICO $3,530 $3,026 $2,784
Liberty Mutual $7,885 $4,839 $3,788
Nationwide $3,874 $3,072 $2,719
Progressive $3,838 $3,306 $3,088
State Farm $3,349 $2,011 $1,563
Travelers $3,218 $2,535 $1,851
USAA $3,878 $2,275 $1,877

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

Annual Athens, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,808 $4,543 $5,503 $4,362
Farmers $3,285 $4,057 $4,174 $3,869
GEICO $2,273 $3,033 $4,875 $2,273
Liberty Mutual $4,467 $6,434 $5,980 $5,136
Nationwide $2,787 $2,787 $4,187 $3,126
Progressive $3,006 $3,897 $3,201 $3,539
State Farm $2,106 $2,510 $2,308 $2,308
Travelers $2,056 $2,638 $2,918 $2,526
USAA $1,947 $2,918 $3,429 $2,414

Cheapest Athens, TN Car Insurance for Teen Drivers

Teen car insurance in Athens, TN 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, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,938 $10,798
Farmers $8,339 $8,899
GEICO $6,356 $6,455
Liberty Mutual $13,192 $14,667
Nationwide $5,607 $7,245
Progressive $7,801 $8,778
State Farm $4,282 $5,359
Travelers $4,596 $5,711
USAA $5,395 $6,191

Cheapest Athens, TN Car Insurance for Seniors

Take a look at Athens, TN 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, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,372 $2,462
Farmers $1,826 $2,009
GEICO $1,878 $1,878
Liberty Mutual $2,670 $2,987
Nationwide $1,864 $1,897
Progressive $1,425 $1,490
State Farm $1,273 $1,273
Travelers $1,489 $1,584
USAA $1,363 $1,361

Cheapest Athens, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Athens, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,503
Farmers $4,174
GEICO $4,875
Liberty Mutual $5,980
Nationwide $4,187
Progressive $3,201
State Farm $2,308
Travelers $2,918
USAA $3,429

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Cheapest Athens, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Athens, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,554 $4,554
Farmers $3,846 $3,846
GEICO $3,092 $3,135
Liberty Mutual $5,504 $5,504
Nationwide $3,222 $3,222
Progressive $3,411 $3,411
State Farm $2,253 $2,363
Travelers $2,435 $2,633
USAA $2,602 $2,752

The Best Cheap Car Insurance Companies in Athens, TN

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

Average Annual Car Insurance Rates by Company in Athens, Tennessee

Insurance Company Average Annual Rates
Allstate $4,554
Farmers $3,846
GEICO $3,113
Liberty Mutual $5,504
Nationwide $3,222
Progressive $3,411
State Farm $2,308
Travelers $2,534
USAA $2,677

Category Winners: Cheapest Car Insurance in Athens, Tennessee

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

Best Annual Car Insurance Rates by Company in Athens, Tennessee

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

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

Annual Car Insurance Rates by Coverage Level in Athens, Tennessee

Insurance Company Low Medium High
Allstate $4,383 $4,542 $4,736
Farmers $3,594 $3,823 $4,122
GEICO $2,961 $3,106 $3,274
Liberty Mutual $5,242 $5,501 $5,769
Nationwide $3,248 $3,150 $3,267
Progressive $3,196 $3,411 $3,626
State Farm $2,177 $2,318 $2,428
Travelers $2,378 $2,532 $2,693
USAA $2,592 $2,668 $2,771

What affects car insurance rates in Athens, Tennessee?

What factors can have an impact on Athens, TN 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, Tennessee.

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, TN is 19.9 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, TN traffic data from INRIX ranks Athens as the 35th-most congested in the world.

Compare Car Insurance Quotes in Athens, TN

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

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