Car Insurance Cost in Athens, GA – 2025 Rates + Cheapest to Insure

• Average car insurance cost in Athens is $2,406 per year, or around $201 per month.
• Auto insurance rates for a few popular vehicles in Athens include the Honda Civic at $2,132 per year, GMC Sierra at $2,658, and Hyundai Elantra at $2,614.
• For cheap auto insurance in Athens, SUV models like the Honda CR-V, Toyota Corolla Cross, and Nissan Kicks have better car insurance rates.
• Models with the lowest cost car insurance in Athens in their automotive segment include the Acura RDX, Chevrolet Colorado, Kia K5, Subaru Crosstrek, and Honda Passport.
• Car insurance quotes in Athens have significant variability from as little as $38 per month for minimum liability limits to well over $676 per month for drivers requiring high-risk coverage.

What is average car insurance cost in Athens?

The average car insurance cost in Athens is $2,406 per year, which is approximately $201 per month. Athens car insurance costs 5.6% more than the overall national average rate of $2,276.

Average car insurance cost in Georgia is $2,556 per year, so Athens, Georgia, drivers pay an average of $150 less per year than the overall Georgia state-wide average rate. When compared to other cities in Georgia, the average cost to insure a car in Athens is around $14 per year more expensive than in Augusta, $394 per year cheaper than in Atlanta, and $110 per year less than in Columbus.

The age of the driver influences the cost of car insurance, so the list below details how age impacts cost by showing the difference in average car insurance rates for drivers from age 16 to 60.

Athens, Georgia, car insurance cost for drivers age 16 to 60

• 16-year-old rated driver – $8,575 per year or $715 per month
• 17-year-old rated driver – $8,309 per year or $692 per month
• 18-year-old rated driver – $7,446 per year or $621 per month
• 19-year-old rated driver – $6,781 per year or $565 per month
• 20-year-old rated driver – $4,844 per year or $404 per month
• 30-year-old rated driver – $2,570 per year or $214 per month
• 40-year-old rated driver – $2,406 per year or $201 per month
• 50-year-old rated driver – $2,136 per year or $178 per month
• 60-year-old rated driver – $1,996 per year or $166 per month

The chart below summarizes average car insurance cost in Athens broken out based on a variety of different driver ages, policy physical damage deductibles, and risk scenarios. Rates are averaged for all 2024 vehicle models including luxury brand cars and SUVs.

Average car insurance rates in the previous chart range from $2,000 per year for a 40-year-old driver that qualifies for many policy discounts to $5,536 per year for a 30-year-old driver who has a subpar driving record and has to buy high risk car insurance.

When these rates are converted to a cost per month, the average cost of car insurance per month in Athens ranges from $167 to $461.

Auto insurance rates are different for every driver and seemingly inconsequential changes in personal situations can cause meaningful price changes. Since there can be such a large difference in rates, it reinforces the need for accurate car insurance quotes when shopping online for cheaper coverage.

Specific vehicles and the cost of insurance

The rates referenced above consist of an average based on every 2024 vehicle model, which is useful for making broad comparisons such as the average cost difference between multiple locations.

But for more useful cost comparisons, the data will be more accurate if we look at the exact vehicle being insured. In the next few article sections, we compare lots of rates for many different specific vehicles, but for now, we will just look at the most popular vehicles to discover how auto insurance rates compare in Athens.

This next chart displays average insurance rates for some of the most popular cars, trucks, and SUVs on the road in Athens. Later in this article, we explore insurance cost for a few of these models even more in-depth.

The vehicle models that sell well in Athens tend to be compact and midsize sedans like the Volkswagen Jetta, Hyundai Elantra, and Toyota Camry and small or midsize SUVs like the Ford Escape and Jeep Grand Cherokee.

Some additional popular models in Athens from other segments include luxury models like the Lexus ES 350, BMW X5, and Infiniti QX60 and sports cars like the Nissan GT-R, Audi TT, and Porsche 911.

We explore more car insurance rates coming up, but before we do that, let’s review in a nutshell the concepts covered up to this point.

• Insurance rates decline a lot in your twenties – The average 30-year-old Athens driver will pay $2,274 less per year than a 20-year-old driver, $2,570 compared to $4,844.
• Athens car insurance prices are cheaper than the Georgia state average – $2,406 (Athens average) compared to $2,556 (Georgia average)
• Athens, Georgia, car insurance cost is more than the U.S. average – $2,406 (Athens average) versus $2,276 (U.S. average)
• Average car insurance cost per month ranges from $166 to $715 – That is the average auto insurance cost range for insured drivers age 16 to 60 in Athens.
• Insurance for teenagers can be expensive – The average cost ranges from $5,735 to $8,575 per year to insure a teenage driver in Athens.

What vehicles have cheap car insurance in Athens, GA?

When comparing all types of vehicles, the models with the best insurance rates in Athens tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks. Average car insurance quotes for those compact SUVs cost $1,956 or less per year, or $163 per month, for a full coverage policy.

A few other vehicles that rank towards the top in the cost comparison table below are the Buick Envista, Toyota GR Corolla, Volkswagen Taos, and Acura RDX.

Average cost is a few dollars per month higher for those models than the cheapest small SUVs that rank near the top, but they still have an average cost of $2,090 or less per year ($174 per month).

The next table details the cheapest vehicles to insure in Athens, ordered starting with the cheapest.

The above table containing 40 ranked vehicles is fine if you just want a vehicle with dirt cheap insurance rates. Considering we track over 700 makes and models of vehicles, there are a lot of rates not being shown. So let’s dig deeper and list the vehicles with the best rates a more sensible way, by vehicle segment.

The next section details the average cost of auto insurance by vehicle segment. This will provide a good foundation of which types of vehicles have the overall most affordable average car insurance rates. Then the following six sections break out and rank the 20 models with the most affordable insurance in each segment.

Insurance rates by automotive segment

If you’re looking to buy a different vehicle, it’s in your best interest to know which kinds of vehicles have better auto insurance rates in Athens. As an example, some people wonder if midsize SUVs have cheaper insurance than small SUVs or if luxury cars have cheaper insurance than sports cars.

The next chart shows the average cost of auto insurance rates in Athens for different vehicle segments. Typically, compact SUVs, midsize trucks, and minivans have the cheapest average car insurance rates, while sports cars and performance luxury models have the most expensive average insurance cost.

Average auto insurance rates by segment are accurate enough for getting an initial comparison, but car insurance cost varies quite significantly within each vehicle segment displayed in the chart above.

For example, in the small SUV segment, car insurance rates in Athens range from the Subaru Crosstrek at $1,778 per year for full coverage insurance up to the Ford Mustang Mach-E at $2,814 per year, a difference of $1,036 within that segment.

As another example, in the large truck segment, average rates range from the Nissan Titan costing $2,254 per year to the Toyota Tundra at $2,866 per year.

In the following sections, we eliminate a lot of this variability by analyzing the cost of auto insurance in Athens for individual vehicles.

Cars with the best insurance rates in Athens, Georgia

Ranking at the top of the list for the most affordable Athens car insurance rates in the sedan or hatchback segment are the Nissan Sentra, Nissan Leaf, Toyota GR Corolla, Subaru Impreza, and Honda Civic. Car insurance prices for these vehicles average $184 or less per month.

Also ranking well are cars like the Toyota Prius, Chevrolet Malibu, Kia K5, and Toyota Corolla, with an average cost to insure of $2,344 per year or less.

Additional 2024 models on the list include the Toyota Crown, Nissan Versa, Volkswagen Jetta, and Mazda 3, which cost between $2,344 and $2,488 per year for auto insurance.

From a cost per month standpoint, auto insurance rates in Athens on this segment for an average middle-age driver can cost as low as $174 per month, depending on the company and your location.

The comparison table below ranks the twenty cars with the most affordable average auto insurance rates in Athens, starting with the Toyota GR Corolla at $174 per month and ending with the Mazda 3 at $207 per month.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Athens car insurance quotes from top companies in Georgia.

Cheap SUVs to insure in Athens

The Subaru Crosstrek comes in at #1 as the lowest-cost SUV to insure in Athens, followed by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model averages $1,778 per year for a policy with full coverage.

Additional models that have affordable insurance rates include the Toyota Corolla Cross, Mazda CX-5, Hyundai Venue, and Buick Envision, with average insurance cost of $1,970 per year or less.

Some additional models that make the list include the Subaru Ascent, Honda HR-V, Volkswagen Taos, and Volkswagen Tiguan, which average between $1,970 and $2,096 to insure per year in Athens.

Auto insurance rates in Athens for this segment for an average middle-age driver can cost as low as $148 per month, depending on where you live and the company you use.

The cheapest non-luxury compact SUV to insure in Athens is the Subaru Crosstrek at $1,778 per year. For midsize SUVs, the Honda Passport has the best rates at $1,918 per year. And for full-size SUVs, the Chevrolet Tahoe is cheapest to insure at $2,258 per year.

The rate comparison table below ranks the twenty SUVs with the cheapest average car insurance rates in Athens, starting with the Subaru Crosstrek at $148 per month and ending with the Subaru Ascent at $175 per month.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Is your SUV not in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Athens car insurance quotes from the best car insurance companies in Georgia.

Cheap sports cars to insure in Athens

Ranking #1 in Athens for cheapest auto insurance in the sports car segment is the Mazda MX-5 Miata, at $2,226 per year. Second place is the Toyota GR86 at $2,536 per year, and ranking third is the Ford Mustang, costing an average of $2,646 per year.

Additional sports cars that are affordable to insure are the Lexus RC F, Toyota GR Supra, Subaru BRZ, and BMW M2, with average annual insurance rates of $2,880 per year or less.

From a monthly standpoint, auto insurance rates in Athens on this segment for a good driver can cost as low as $186 per month, depending on the company. The next table ranks the sports cars with the cheapest car insurance in Athens, starting with the Mazda MX-5 Miata at $2,226 per year ($186 per month) and ending with the Porsche Taycan at $4,078 per year ($340 per month).

Don’t see insurance cost for your sports car? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Georgia.

Cheapest pickups to insure

The four lowest-cost pickups to insure in Athens are the Chevrolet Colorado at $2,120 per year, Nissan Titan at $2,254 per year, Nissan Frontier at $2,276 per year, and Ford Ranger at $2,300 per year.

Rounding out the top 10 are models like the GMC Canyon, Toyota Tacoma, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with average annual insurance rates of $2,476 per year or less.

From a monthly standpoint, auto insurance in Athens on this segment for a good driver will start around $177 per month, depending on the company and where you live.

The next table ranks the pickups with the most affordable insurance in Athens.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Don’t see rates for your pickup? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Athens car insurance quotes from top companies in Georgia.

Luxury cars with the best auto insurance rates

The most affordable luxury car models to insure in Athens are the Acura Integra at $2,140 per year, the BMW 330i at $2,450 per year, and the Mercedes-Benz CLA250 at $2,474 per year.

Additional luxury cars that are affordable to insure are the Lexus ES 350, Cadillac CT4, Mercedes-Benz AMG CLA35, and Genesis G70, with average insurance cost of $2,530 per year or less.

In the bottom half of the top 20, cars like the BMW 330e, Lexus ES 300h, BMW 230i, Lexus RC 350, and Jaguar XF cost between $2,530 and $2,698 per year to insure.

On a monthly basis, auto insurance rates in Athens on this segment for a safe driver starts at around $178 per month, depending on the company.

The table below ranks the twenty cars with the lowest-cost auto insurance rates in Athens, starting with the Acura Integra at $178 per month and ending with the Audi S3 at $225 per month.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Athens car insurance quotes from top-rated car insurance companies in Georgia.

Cheap luxury SUV insurance rates

The top three luxury SUVs with the cheapest insurance in Athens are the Acura RDX at $2,012 per year, the Lexus NX 250 at $2,130 per year, and the Cadillac XT4 at $2,172 per year.

Some other luxury SUVs that rank well in our comparison include the Lexus NX 450h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus NX 350h, with average insurance cost of $2,322 per year or less.

Additional 2024 luxury models that rank well include the Mercedes-Benz GLA35 AMG, Lexus RX 350, Infiniti QX60, and Mercedes-Benz AMG GLB35, which cost between $2,322 and $2,414 per year to insure.

On a monthly basis, car insurance rates on this segment in Athens for an average middle-age driver can cost as low as $168 per month, depending on your company and location. The table below ranks the luxury SUVs with the lowest-cost car insurance in Athens.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Georgia.

The highs and lows of auto insurance

In order to reinforce the amount that auto insurance cost can deviate for different drivers (and also underscore the importance of getting rate quotes from multiple companies), the examples below show detailed car insurance rates for four popular models in Athens: the Ram Truck, Toyota Corolla, Nissan Rogue, and Honda Pilot.

The example for each vehicle shows average rates for a range of driver profiles to demonstrate how much prices can vary when rated for different driver profiles.

Ram Truck insurance rates

Ram Truck insurance in Athens costs an average of $2,784 per year ($232 per month) and varies from $2,310 to $6,414.

The Ram Truck is classified as a full-size truck, and other models in that segment include the Ford F150, Chevrolet Silverado, Nissan Titan, and Toyota Tundra.

Toyota Corolla insurance rates

Insurance for a Toyota Corolla in Athens averages $2,344 per year (about $195 per month) and ranges from $1,946 to $5,376 per year.

The Toyota Corolla is a compact car, and other models popular in Athens include the Nissan Sentra, Volkswagen Jetta, and Chevrolet Cruze.

Nissan Rogue insurance rates

Nissan Rogue insurance in Athens costs an average of $2,162 per year (about $180 per month) and has a range of $1,798 to $4,944 for the sample driver risk profiles displayed in the cost chart below.

The Nissan Rogue is considered a compact SUV, and additional models from the same segment that are popular in Athens include the Ford Escape, Subaru Forester, Chevrolet Equinox, and Toyota RAV4.

Honda Pilot insurance rates

Insurance for a Honda Pilot in Athens averages $2,342 per year, or about $195 per month, and varies from $1,946 to $5,420.

The Honda Pilot is a midsize SUV, and other similar models from the same segment include the Toyota Highlander, Kia Sorento, and Ford Edge.

Helpful tips to save on car insurance

Resourceful drivers are always looking to cut the monthly cost of insurance So take a minute and read through the tips in the list below and maybe you’ll find a way to save a few bucks the next time your policy renews.

• Buy vehicles with cheaper insurance. The vehicle you choose to drive is a big factor in the cost of car insurance. As an example, a Subaru Impreza costs $476 less per year to insure in Athens than a Nissan 370Z. Buy lower performance vehicles to save money.
• Remain claim free and save. Car insurance companies give a discounted rate if you have no claims on your account. Car insurance should be used for significant financial loss, not for small claims.
• More discounts means cheap car insurance rates. Discounts may be available if the policyholders are loyal customers, work in certain occupations, take a defensive driving course, drive low annual mileage, are good students, or many other discounts which could save the average Athens driver as much as $406 per year.
• Get better rates due to your job. The vast majority of auto insurance companies offer discounts for having a job in professions like nurses, emergency medical technicians, doctors, accountants, architects, and others. Being employed in a qualifying profession could potentially save between $72 and $234 on your annual car insurance cost, depending on the policy coverages selected.
• Remove unneeded coverage on older vehicles. Removing comprehensive and/or collision coverage from vehicles whose value has dropped to the point where coverage is not cost effective can reduce the cost of insurance substantially.