Cheap Quotes for Athens, AL Car Insurance (2021)

Athens, Alabama car insurance rates average $294 a month and Alabama law requires coverage of at least 25/50/25. By comparing rates from multiple Athens, AL companies, you can find cheap Athens car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Athens has an average commute time of 22.6 minutes
  • Average car insurance rates in Athens, AL are $294/month
  • The cheapest car insurance company in Athens is USAA

How do the Athens, Alabama monthly average car insurance rates of $294/month compare to nearby cities like Madison car insurance rates, Dothan car insurance rates, and Hoover car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Athens, AL.

We’ll cover the Alabama minimum coverage requirements, Alabama car insurance laws, and Athens, AL statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Athens, Alabama companies to find the most affordable Athens car insurance rates.

Enter your ZIP code above to find cheap Athens, AL car insurance quotes today.

What are the minimum Athens, AL car insurance requirements?

To meet Alabama minimum car insurance coverage requirements, Athens, AL drivers need to carry at least 25/50/25 coverage.

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

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Average Athens, AL Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Athens, AL you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Athens, Alabama

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

How do age, gender, and marital status affect Athens, AL car insurance rates?

Three of the criteria that most affect car insurance rates in Athens, Alabama are age, gender, and marital status. Let’s take a look at how each of these stack up with top Athens car insurance companies.

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

How much do teen drivers pay for car insurance in Athens, AL?

Athens, Alabama car insurance rates for teens are often higher than rates for other drivers. Compare Athens car insurance rates from multiple Athens, Alabama car insurance companies to get the best deal.

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

How much do senior drivers pay for car insurance in Athens, AL?

With a little research, seniors can find affordable car insurance in Athens, Alabama. Here’s a look at how the top Athens car insurance companies stack up.

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

How does coverage level affect Athens, AL car insurance rates?

How much coverage do you need? Are you comfortable with the Alabama minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Athens, AL car insurance rates will be. Let’s take a look.

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

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How does your driving record affect Athens, AL car insurance rates?

Safe driving pays off. The more traffic violations you have in Athens, AL, the higher your car insurance rates will be. Compare rates based on driving infractions from top Athens, Alabama 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

How does a DUI affect Athens, AL car insurance rates?

With even one DUI on your record, you can see an increase in your Athens, AL car insurance rates.

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

How does your credit history affect Athens, AL car insurance rates?

Take a look at the data here to see how your Athens, Alabama car insurance rates are affected by your credit history.

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

How does your commute affect Athens, AL car insurance rates?

Athens, AL car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Alabama can be seen here. Remember, though, that you may have to carry substantially more car insurance in Athens if you’re financing.

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

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Who has the cheapest Athens, AL car insurance rates?

Here’s a breakdown of Athens, Alabama car insurance rates by company. You can see which company offers the cheapest Athens car insurance rates in each category.

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

What are the top Athens, AL car insurance companies?

Which Athens, Alabama car insurance company will best fit your needs and budget? Check out this comparison of the top Athens companies to find the one for you.

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

What factors affect Athens, AL car insurance rates?

Why are Athens, Alabama car insurance rates different than rates in Madison or Dothan? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Athens, AL?

FBI statistics show that the Athens, Alabama car theft rate is 28 thefts each year. High theft rates can lead to higher than average Athens, AL car insurance rates.

How long is the average commute in Athens, AL?

More time spent behind the wheel can lead to higher Athens, Alabama car insurance rates. In Athens, AL, the average commute length is 22.6 minutes.

What is the traffic like in Athens, AL

Like commute length, time spent in traffic also increase risk of accidents. Athens, AL is listed as 35th in INRIX congested cities data.

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Car Insurance Quotes for Athens, AL

Shop for affordable Athens, Alabama car insurance rates today. Enter your ZIP code to compare quotes from multiple Athens, AL car insurance companies.

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