Compare Athens, OH Car Insurance Rates [2024]
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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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Dec 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 20, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
| 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 required by the state in Athens, OH. Take a look at the Ohio car insurance requirements.
| 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. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Athens from top companies for good, fair, and poor credit.
| 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. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Athens, OH to rates for a clean record with top companies.
| 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.
| 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 rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| 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 car insurance after a DUI by the company to find the cheapest option.
| 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.
| 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.
| 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.
| 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 car insurance you need will have an impact on your Athens car insurance rates. Find the cheapest Athens, OH car insurance rates by coverage level.
| 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 are the factors that affect car insurance rates in Athens, OH? 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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How much does car insurance cost in Athens, OH?
Car insurance in Athens, OH averages $236 a month.
Do I need full coverage insurance if my car is financed?
If your car is financed, your lender may require you to have full coverage insurance, including comprehensive and collision coverage.
How can I find cheap car insurance rates in Athens, OH?
Compare quotes from top car insurance companies in Athens to find affordable rates.
What is the minimum car insurance required in Athens, OH?
The minimum required coverage is 25/50/25.
How does credit score affect car insurance rates in Athens, OH?
A good credit score can help you get lower car insurance rates, as some companies offer discounts for good credit.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.