Compare Athens, TX Car Insurance Rates (2021)

Car insurance in Athens, TX averages $297 a month. Athens, Texas car insurance requirements are 30/60/25, 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, TX.

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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, TX are $3,562/year
  • The cheapest car insurance company in Athens is USAA
  • The cheapest ZIP code in Athens is 75751

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

You’ll find Athens car insurance rates, the cheapest Athens, TX car insurance companies, and information on Texas car insurance laws. You can also compare Athens, Texas car insurance rates to Arlington car insurance rates, San Antonio car insurance rates, and Dallas car insurance rates.

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

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

How do age, gender, and marital status affect Athens, TX car insurance rates? Every Athens, Texas 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, Texas

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 $3,273 $3,300 $3,233 $3,233 $8,625 $10,401 $4,041 $4,205
American Family $2,329 $2,583 $2,168 $2,472 $6,006 $7,859 $3,307 $3,762
GEICO $2,112 $2,278 $2,055 $2,327 $4,520 $4,693 $2,272 $2,257
Nationwide $2,189 $2,226 $1,936 $2,050 $6,152 $7,900 $2,566 $2,776
Progressive $2,388 $2,274 $2,124 $2,164 $9,991 $11,168 $2,837 $2,892
State Farm $1,997 $1,997 $1,772 $1,772 $4,711 $5,991 $2,166 $2,235
USAA $1,589 $1,602 $1,515 $1,508 $4,443 $4,850 $2,122 $2,284

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Minimum Car Insurance in Athens, TX

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

Minimum Required Car Insurance Coverage in Athens, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Athens, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Athens, TX. 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, Texas

Insurance Company Poor Fair Good
Allstate $6,413 $4,690 $4,013
American Family $5,252 $3,294 $2,886
GEICO $4,327 $2,463 $1,653
Nationwide $4,164 $3,347 $2,913
Progressive $5,046 $4,357 $4,036
State Farm $4,010 $2,494 $1,986
USAA $3,663 $2,109 $1,695

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

Annual Athens, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,912 $6,039 $6,293 $3,912
American Family $3,485 $4,401 $3,872 $3,485
GEICO $2,394 $3,147 $2,639 $3,077
Nationwide $3,015 $3,015 $4,463 $3,404
Progressive $3,907 $5,049 $4,565 $4,399
State Farm $2,522 $2,883 $3,392 $2,522
USAA $1,857 $2,736 $3,231 $2,132

Cheapest Athens, TX Car Insurance for Teen Drivers

Teen car insurance in Athens, TX 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, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,625 $10,401
American Family $6,006 $7,859
GEICO $4,520 $4,693
Nationwide $6,152 $7,900
Progressive $9,991 $11,168
State Farm $4,711 $5,991
USAA $4,443 $4,850

Cheapest Athens, TX Car Insurance for Seniors

Take a look at Athens, TX 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, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,233 $3,233
American Family $2,168 $2,472
GEICO $2,055 $2,327
Nationwide $1,936 $2,050
Progressive $2,124 $2,164
State Farm $1,772 $1,772
USAA $1,515 $1,508

Cheapest Athens, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Athens, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,293
American Family $3,872
GEICO $2,639
Nationwide $4,463
Progressive $4,565
State Farm $3,392
USAA $3,231

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Cheapest Athens, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Athens, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,919 $5,159
American Family $3,811 $3,811
GEICO $2,762 $2,867
Nationwide $3,474 $3,474
Progressive $4,480 $4,480
State Farm $2,830 $2,830
USAA $2,458 $2,521

Cheapest Athens, TX 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, TX.

Annual Car Insurance Rates by ZIP Code in Athens, Texas

ZIP Code Average Annual Rates
75751 $5,241
75752 $5,357

The Best Cheap Car Insurance Companies in Athens, TX

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

Average Annual Car Insurance Rates by Company in Athens, Texas

Insurance Company Average Annual Rates
Allstate $5,039
American Family $3,811
GEICO $2,814
Nationwide $3,474
Progressive $4,480
State Farm $2,830
USAA $2,489

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Category Winners: Cheapest Car Insurance in Athens, Texas

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

Best Annual Car Insurance Rates by Company in Athens, Texas

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

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

Annual Car Insurance Rates by Coverage Level in Athens, Texas

Insurance Company Low Medium High
Allstate $4,908 $4,990 $5,218
American Family $3,543 $3,668 $4,221
GEICO $2,653 $2,771 $3,019
Nationwide $3,729 $3,325 $3,369
Progressive $4,281 $4,461 $4,698
State Farm $2,689 $2,821 $2,979
USAA $2,409 $2,479 $2,580

What affects car insurance rates in Athens, Texas?

What factors can have an impact on Athens, TX 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, Texas.

Car Theft in Athens

High levels of vehicle theft can make car insurance more expensive. Athens, TX car theft statistics from the FBI indicate 27 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, TX is 20.8 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, TX traffic data from INRIX ranks Athens as the 35th-most congested in the world.

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Compare Car Insurance Quotes in Athens, TX

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

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