You have money questions. top10carinsurance.com has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal travel. top10carinsurance.com ’ s editorial team writes on behalf of YOU – the proofreader. Our finish is to give you the best advice to help you make fresh personal finance decisions. We follow stern guidelines to ensure that our editorial content is not influenced by advertisers. Our column team receives no direct compensation from advertisers, and our contentedness is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable information. We value your trust. Our deputation is to provide readers with accurate and indifferent information, and we have column standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ rhenium learn is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive mastermind compensation from our advertisers. top10carinsurance.com follows a rigid column policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. All providers discussed on our locate are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first gear. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer overhaul, policy features and savings opportunities — sol you can feel confident about which supplier is right for you. top10carinsurance.com follows a stern editorial policy, so you can trust that we ’ rhenium putting your interests first. All of our capacity is authored by highly qualify professionals and reviewed by submit matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, top10carinsurance.com has a long track record of helping people make chic fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people assurance in which actions to take future. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This contentedness is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. In 2019, there were 6,741 car accidents in Athens, Georgia. Drivers in Athens are required to carry car policy to protect their legal and fiscal responsibilities in the consequence of a crash. The average cost of car insurance in Athens is $689 for minimum coverage and $1,839 for full coverage, according to top10carinsurance.com’s 2021 study of quoted annual premiums. There are many car insurance companies in Georgia that serve drivers in Athens. To find the best cable car policy in Athens, our policy editorial team compared some of the largest providers by commercialize share based on average pace, coverage options, discounts and third-party ratings .
- 1 Best car insurance companies in Athens
- 2 Cheapest car insurance in Athens
- 3 Athens insurance requirements
- 4 Car insurance discounts in Athens
- 5 Frequently asked questions
- 6 Methodology
Best car insurance companies in Athens
The best car indemnity companies in Athens have below-average rates, excellent customer satisfaction ratings, generous discounts, reliable coverage and good fiscal stability. The table below showcases how each top provider stacks up against one another and includes their up-to-date average quoted premiums, gathered from Quadrant Information Services .
|Insurance company||J.D. Power score (Southeast region)||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||843 / 1,000||$435||$1,522|
|State Farm||859 / 1,000||$474||$1,327|
|Auto-Owners||849 / 1,000||$477||$1,384|
|USAA||*890 / 1,000||$514||$1,398|
*Due to membership eligibility restrictions, USAA is considered rank-ineligible by J.D. Power .
When looking for good cable car policy, Athens drivers may immediately consider Geico as it is one of the most popular car indemnity providers in Georgia. Its popularity may be chiefly due to its low-cost coverage and an impressive tilt of discounts. Some of the discounts available through Geico include savings for good students, dependable drivers, emergency deployment, membership groups, bundling your policies and having a cable car with certain base hit features. The entirely downside to Geico may be that its coverage is limited. however, it could be a big option for drivers who need a basic, bare-bones policy. Learn more: Geico Insurance review
state farm is the largest car policy company in the area and it is one of the best providers in Athens. State Farm has good customer service, low-cost coverage and big discounts, including two safe driver rewards programs. Drivers under 25 can get a discount rate of up to 20 % by enrolling in the Steer Clear platform, and drivers over 25 can save up to 30 % by enrolling in the Drive Safe & Save program. State Farm has fairly basic coverage, but you can add rideshare policy, roadside aid or car lease coverage for an add cost. Learn more: State Farm Insurance recapitulation
Auto-Owners is rated above average in overall customer gratification in the Southeast region, and the company is known for having great customer service. To get a quote or purchase a policy, you can work with an agent in your area. In addition to low rates, Athens drivers can take advantage of Auto-Owners ’ discounts and endorsements. You can personalize your policy by adding gap indemnity, diminished value coverage or the Personal Automobile Plus Package, which comes with more than 10 extra coverages. Learn more: Auto-Owners Insurance review
USAA entirely sells car indemnity to active duty military members, veterans and their spouses and children. Athens drivers who qualify for USAA car insurance can get low-cost coverage, personalized customer serve and capital discounts. The party has savings for good students, safe drivers, driving infrequently, garaging your vehicle on base and more. In fact, USAA claims that drivers can save an average of $ 725 on their cable car indemnity policy when they switch from another carrier. Learn more: USAA Insurance reappraisal
Cheapest car insurance in Athens
The average cost of car policy in Athens is less expensive than the average pace in Georgia, which is $ 1,982 per annum for a full coverage policy. however, drivers in Athens give more for policy than the average american english. For reference, the average car indemnity bounty in the United States is $ 1,674 per year. If you are looking for low-cost car policy in Athens, here are the cheapest car insurance rates from the most popular carriers based on grocery store share :
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Although these five companies offer the cheap cable car policy in Athens, they each have pros and cons. For exemplify, USAA has bang-up customer serve and low-cost rates, but it alone sells coverage to military personnel and their immediate families. Auto-Owners entirely sells policy through agents, so you will not be able to get a quotation or leverage coverage on-line. In terms of coverage options, these providers vary importantly. Auto-Owners and top10carinsurance.com offer the most endorsements, whereas Geico, USAA and State Farm offer more limited coverage. If you are looking for specific discounts, you will need to compare these companies side-by-side, as the specific savings available are singular to each provider .
Athens insurance requirements
In the state of Georgia, drivers are required to carry at least 25/50/25 car insurance. That includes the adopt personal indebtedness coverages :
- $25,000 for bodily injury coverage per person
- $50,000 for bodily injury coverage per accident
- $25,000 for property damage liability coverage per accident
Although purchasing the minimum command amounts of insurance much leads to the lowest rate, drivers in Athens who want the cheapest car indemnity in Georgia may besides want to focus on other important factors. There is no guarantee that a minimal coverage policy will cover the full cost of an at-fault accident, which means you could pay out-of-pocket if the damages exceed your policy ’ south limit. Another thing to keep in mind is that drivers who lease or finance their vehicle are normally required to have a entire coverage policy until their loanword is paid off. Full coverage policies offer the most protective covering, but they are well more expensive than a minimum coverage policy .
Car insurance discounts in Athens
One of the best ways to get a more low-cost car policy pace in Athens is to take advantage of discounts. Most indemnity companies in Athens volunteer discounts, including :
- Good student discount: Students in high school and college who maintain a minimum GPA can often qualify for a discount on their car insurance policy.
- Claim-free discount: Drivers who have no claims on their record within the last three to five years can often get a lower rate.
- Pay in full discount: If you can afford to pay your annual premium upfront and in full rather than in monthly installments, you may be able to save some money.
- Multi-policy discount: One of the most common discounts is the multi-policy discount, which can lower your rate if you buy two or more insurance policies from the same company.
When looking into car insurance discounts, one thing to keep in mind is that the actual savings will vary. For case, policy bundling discounts can help you save within the doubly digits depending on the supplier. however, early discounts, such as paying in full, normally have much smaller savings. Avoiding claims can besides help you get a lower bounty over clock .
Frequently asked questions
What is the best car insurance company?
Every driver will decide the best car insurance company based on their personal wants and needs. For some Athens drivers, a company that offers coverage and discounts for military members may be the most fitting. For others, insurers that have an extensive endorsements list may be a better choice. The company you decide on depends on where you live, what type of coverage you need, what discounts you qualify for, your budget and other factors .
How much does car insurance in Athens cost?
On average, car insurance in Athens costs $ 689 annually for a minimal coverage policy and $ 1,839 annually for a full moon policy. however, keep in mind that car insurance rates are personalized based on factors like your ZIP code, claim history, policy limits and the deductible.
top10carinsurance.com utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit and the comply wide coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, top10carinsurance.com used minimal coverages that meet each state of matter ’ sulfur requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes .