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

We break down six popular automotive segments to find the cars, trucks, and SUVs with cheap car insurance quotes in Athens, Georgia.

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What is average car insurance cost in Athens?

The average car insurance cost in Athens is $2,366 per year, which is approximately $197 per month. Athens car insurance costs 6.3% more than the overall national average rate of $2,221.

Average car insurance cost in Georgia is $2,514 per year, so Athens, Georgia, drivers pay an average of $148 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 $18 per year more expensive than in Augusta, $388 per year cheaper than in Atlanta, and $106 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 – $8,421 per year or $702 per month
  • 17-year-old rated driver – $8,159 per year or $680 per month
  • 18-year-old rated driver – $7,309 per year or $609 per month
  • 19-year-old rated driver – $6,657 per year or $555 per month
  • 20-year-old rated driver – $4,756 per year or $396 per month
  • 30-year-old rated driver – $2,522 per year or $210 per month
  • 40-year-old rated driver – $2,366 per year or $197 per month
  • 50-year-old rated driver – $2,096 per year or $175 per month
  • 60-year-old rated driver – $1,962 per year or $164 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 Athens for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Athens for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Athens includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Athens, GA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,438$453
Safe Driver Age 20$4,756$396
At-fault Accidents Age 40$3,348$279
Low Deductibles Age 40$3,096$258
Safe Driver Age 30$2,522$210
Safe Driver Age 40$2,366$197
Safe Driver Age 50$2,096$175
High Deductibles Age 40$1,990$166
Discount Rate Age 40$1,966$164
Safe Driver Age 60$1,962$164

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

Average car insurance rates in the previous chart range from $1,966 per year for a 40-year-old driver that qualifies for many policy discounts to $5,438 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 $164 to $453.

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.

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.

Average cost to insure popular 2024 model year vehicles in Athens.
Figure 2: Average cost to insure popular 2024 model year vehicles in Athens. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Athens Zip Codes.

Athens, Georgia Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Mazda CX-5$1,928$161
Honda CR-V$2,014$168
Honda HR-V$2,056$171
Honda Civic$2,092$174
Subaru Forester$2,106$176
Nissan Rogue$2,122$177
Toyota Highlander$2,148$179
Nissan Sentra$2,166$181
Toyota RAV4$2,180$182
Hyundai Tucson$2,198$183
Chevrolet Traverse$2,206$184
Ford Ranger$2,258$188
Honda Accord$2,284$190
Toyota Corolla$2,302$192
Jeep Grand Cherokee$2,364$197
Hyundai Santa Fe$2,404$200
Toyota Camry$2,538$212
Hyundai Elantra$2,568$214
GMC Sierra$2,610$218
Chevrolet Silverado$2,614$218
Ford F150$2,648$221
Jeep Wrangler$2,700$225
Ram Truck$2,732$228
Chevrolet Corvette$3,276$273

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Athens, GA Zip Codes. Updated June 27, 2025

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 $2,234 less per year than a 20-year-old driver, $2,522 compared to $4,756.
  • Athens car insurance prices are cheaper than the Georgia state average – $2,366 (Athens average) compared to $2,514 (Georgia average)
  • Athens, Georgia, car insurance cost is more than the U.S. average – $2,366 (Athens average) versus $2,221 (U.S. average)
  • Average car insurance cost per month ranges from $164 to $702 – 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 $5,631 to $8,421 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 $1,920 or less per year, or $160 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, Honda HR-V, 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 $2,056 or less per year ($171 per month).

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

Top 40 Cheapest Car Insurance Rates in Athens
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,748$146
2Chevrolet Trailblazer$1,776$148
3Kia Soul$1,846$154
4Nissan Kicks$1,864$155
5Honda Passport$1,884$157
6Buick Envision$1,894$158
7Toyota Corolla Cross$1,906$159
8Hyundai Venue$1,920$160
9Mazda CX-5$1,928$161
10Ford Bronco Sport$1,934$161
11Volkswagen Tiguan$1,958$163
12Acura RDX$1,978$165
13Nissan Murano$1,986$166
14Buick Encore$2,006$167
15Honda CR-V$2,014$168
16Subaru Outback$2,016$168
17Buick Envista$2,020$168
18Volkswagen Taos$2,024$169
19Kia Niro$2,036$170
20Honda HR-V$2,056$171
21Subaru Ascent$2,056$171
22Toyota GR Corolla$2,056$171
23Nissan Leaf$2,070$173
24Chevrolet Colorado$2,082$174
25Honda Civic$2,092$174
26Lexus NX 250$2,094$175
27Volkswagen Atlas$2,096$175
28Acura Integra$2,102$175
29Subaru Forester$2,106$176
30Volkswagen Atlas Cross Sport$2,108$176
31Kia Seltos$2,110$176
32GMC Terrain$2,116$176
33Nissan Rogue$2,122$177
34Hyundai Kona$2,126$177
35Mazda CX-30$2,130$178
36Cadillac XT4$2,134$178
37Volkswagen ID4$2,142$179
38Ford Explorer$2,146$179
39Toyota Highlander$2,148$179
40Ford Escape$2,154$180

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Athens, GA Zip Codes. Updated June 26, 2025

Top 40 cheapest vehicles to insure in Athens, GA with the Subaru Crosstrek ranking first at $1,748 per year
Top 40 cheapest vehicles to insure in Athens, GA with the Subaru Crosstrek ranking first at $1,748 per year

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.

Car insurance average cost by automotive segment in Athens, GA.
Figure 3: Car insurance average cost by automotive segment in Athens, GA. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Athens Zip Codes.

Car Insurance Rates by Automotive Segment in Athens, GA
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,172$181
Midsize SUV$2,334$195
Compact Car$2,336$195
Minivan$2,338$195
Midsize Pickup$2,388$199
Midsize Car$2,410$201
Compact Luxury SUV$2,562$214
Compact Luxury Car$2,600$217
Large SUV$2,608$217
Half-ton Pickup$2,620$218
Heavy Duty Pickup$2,718$227
Midsize Luxury SUV$2,806$234
Midsize Luxury Car$2,898$242
Sports Car$3,252$271
Large Car$3,400$283
Large Luxury SUV$3,656$305
Large Luxury Car$3,784$315

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Athens, GA Zip Codes. Updated June 26, 2025

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 $1,748 per year for full coverage insurance up to the Ford Mustang Mach-E at $2,764 per year, a difference of $1,016 within that segment.

As another example, in the large truck segment, average rates range from the Nissan Titan costing $2,210 per year to the Toyota Tundra at $2,814 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 $181 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 $2,302 per year or less.

Additional 2024 models on the list include the Volkswagen Jetta, Nissan Versa, Toyota Crown, and Mazda 3, which cost between $2,302 and $2,444 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 $171 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 $171 per month and ending with the Mazda 3 at $204 per month.

Cheapest Insurance for Cars in Athens, Georgia
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,056$171
Nissan LeafCompact$2,070$173
Honda CivicCompact$2,092$174
Nissan SentraCompact$2,166$181
Subaru ImprezaCompact$2,170$181
Toyota PriusCompact$2,210$184
Kia K5Midsize$2,276$190
Honda AccordMidsize$2,284$190
Chevrolet MalibuMidsize$2,294$191
Toyota CorollaCompact$2,302$192
Kia ForteCompact$2,308$192
Volkswagen ArteonMidsize$2,324$194
Nissan VersaCompact$2,328$194
Subaru LegacyMidsize$2,332$194
Hyundai Ioniq 6Midsize$2,352$196
Mitsubishi Mirage G4Compact$2,386$199
Toyota CrownMidsize$2,392$199
Volkswagen JettaCompact$2,392$199
Hyundai SonataMidsize$2,396$200
Mazda 3Compact$2,444$204

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Athens, GA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Athens, GA, with the Toyota GR Corolla ranking first at $2,056 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Athens, GA, with the Toyota GR Corolla ranking first at $2,056 per year.

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 $1,748 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 $1,934 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 $1,934 and $2,056 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 $146 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 $1,748 per year. For midsize SUVs, the Honda Passport has the best rates at $1,884 per year. And for full-size SUVs, the Chevrolet Tahoe is cheapest to insure at $2,220 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 $146 per month and ending with the Subaru Ascent at $171 per month.

Cheapest Insurance for SUVs in Athens, Georgia
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,748$146
Chevrolet TrailblazerCompact$1,776$148
Kia SoulCompact$1,846$154
Nissan KicksCompact$1,864$155
Honda PassportMidsize$1,884$157
Buick EnvisionCompact$1,894$158
Toyota Corolla CrossCompact$1,906$159
Hyundai VenueCompact$1,920$160
Mazda CX-5Compact$1,928$161
Ford Bronco SportCompact$1,934$161
Volkswagen TiguanCompact$1,958$163
Nissan MuranoMidsize$1,986$166
Buick EncoreCompact$2,006$167
Honda CR-VCompact$2,014$168
Subaru OutbackMidsize$2,016$168
Buick EnvistaMidsize$2,020$168
Volkswagen TaosCompact$2,024$169
Kia NiroCompact$2,036$170
Honda HR-VCompact$2,056$171
Subaru AscentMidsize$2,056$171

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Athens, GA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Athens, GA, with the Subaru Crosstrek ranking first at $1,748 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Athens, GA, with the Subaru Crosstrek ranking first at $1,748 per year.

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 $2,188 per year. Second place is the Toyota GR86 at $2,490 per year, and ranking third is the Ford Mustang, costing an average of $2,596 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 $2,826 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 $182 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 $2,188 per year ($182 per month) and ending with the Porsche Taycan at $4,004 per year ($334 per month).

Cheapest Insurance for Sports Cars in Athens, Georgia
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,188$182
Toyota GR86Sports Car$2,490$208
Ford MustangSports Car$2,596$216
BMW Z4Sports Car$2,610$218
Subaru WRXSports Car$2,648$221
Toyota GR SupraSports Car$2,654$221
BMW M2Sports Car$2,734$228
Nissan ZSports Car$2,736$228
Lexus RC FSports Car$2,794$233
Subaru BRZSports Car$2,826$236
BMW M3Sports Car$2,984$249
Porsche 718Sports Car$3,044$254
Chevrolet CamaroSports Car$3,072$256
Chevrolet CorvetteSports Car$3,276$273
Porsche 911Sports Car$3,388$282
BMW M4Sports Car$3,528$294
Lexus LC 500Sports Car$3,548$296
Jaguar F-TypeSports Car$3,732$311
Mercedes-Benz AMG GT53Sports Car$3,912$326
Porsche TaycanSports Car$4,004$334

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Athens, GA Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Athens, GA, with the Mazda MX-5 Miata ranking first at $2,188 per year.
Ranking of the cheapest sports cars to insure in Athens, GA, with the Mazda MX-5 Miata ranking first at $2,188 per year.

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 $2,082 per year, Nissan Titan at $2,210 per year, Nissan Frontier at $2,234 per year, and Ford Ranger at $2,258 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 $2,432 per year or less.

From a monthly standpoint, auto insurance in Athens on this segment for a good driver will start around $174 per month, depending on the company and where you live.

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

Cheapest Insurance for Pickups in Athens, Georgia
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,082$174
Nissan TitanFull-size$2,210$184
Nissan FrontierMidsize$2,234$186
Ford RangerMidsize$2,258$188
Ford MaverickMidsize$2,294$191
Honda RidgelineMidsize$2,344$195
Hyundai Santa CruzMidsize$2,384$199
Toyota TacomaMidsize$2,394$200
GMC Sierra 2500 HDHeavy Duty$2,404$200
GMC CanyonMidsize$2,432$203
Jeep GladiatorMidsize$2,490$208
GMC Sierra 3500Heavy Duty$2,506$209
Chevrolet Silverado HD 3500Heavy Duty$2,526$211
Chevrolet Silverado HD 2500Heavy Duty$2,594$216
GMC SierraFull-size$2,610$218
Nissan Titan XDHeavy Duty$2,612$218
Chevrolet SilveradoFull-size$2,614$218
Ford F150Full-size$2,648$221
GMC Hummer EV PickupFull-size$2,710$226
Ram TruckFull-size$2,732$228

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Athens, GA Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Athens, GA, with the Chevrolet Colorado ranking first at $2,082 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Athens, GA, with the Chevrolet Colorado ranking first at $2,082 per year.

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 $2,102 per year, the BMW 330i at $2,408 per year, and the Mercedes-Benz CLA250 at $2,432 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 $2,486 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 $2,486 and $2,650 per year to insure.

On a monthly basis, auto insurance rates in Athens on this segment for a safe driver starts at around $175 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 $175 per month and ending with the Audi S3 at $221 per month.

Cheapest Insurance for Luxury Cars in Athens, Georgia
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,102$175
BMW 330iCompact$2,408$201
Mercedes-Benz CLA250Midsize$2,432$203
Lexus IS 300Midsize$2,436$203
Acura TLXCompact$2,446$204
Cadillac CT4Compact$2,468$206
Lexus ES 350Midsize$2,468$206
Genesis G70Compact$2,474$206
Mercedes-Benz AMG CLA35Midsize$2,478$207
Lexus RC 300Midsize$2,486$207
Lexus IS 350Compact$2,494$208
Jaguar XFMidsize$2,500$208
Cadillac CT5Midsize$2,546$212
Lexus ES 250Midsize$2,556$213
Lexus RC 350Compact$2,564$214
BMW 330eCompact$2,566$214
BMW 228iCompact$2,568$214
BMW 230iCompact$2,590$216
Lexus ES 300hMidsize$2,592$216
Audi S3Compact$2,650$221

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Athens, GA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Athens, GA, with the Acura Integra ranking first at $2,102 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Athens, GA, with the Acura Integra ranking first at $2,102 per year.

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 $1,978 per year, the Lexus NX 250 at $2,094 per year, and the Cadillac XT4 at $2,134 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 $2,280 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 $2,280 and $2,374 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 $165 per month, depending on your company and location. The table below ranks the luxury SUVs with the lowest-cost car insurance in Athens.

Cheapest Insurance for Luxury SUVs in Athens, Georgia
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,978$165
Lexus NX 250Compact$2,094$175
Cadillac XT4Compact$2,134$178
Jaguar E-PaceMidsize$2,212$184
Cadillac XT5Midsize$2,230$186
Lexus NX 350hCompact$2,230$186
Lincoln CorsairCompact$2,258$188
Mercedes-Benz GLB 250Compact$2,262$189
Lexus UX 250hCompact$2,266$189
Lexus NX 450hCompact$2,280$190
Infiniti QX50Midsize$2,298$192
Mercedes-Benz GLA250Compact$2,304$192
Mercedes-Benz GLA35 AMGCompact$2,312$193
Cadillac XT6Midsize$2,314$193
Infiniti QX60Midsize$2,326$194
Mercedes-Benz AMG GLB35Midsize$2,330$194
Land Rover EvoqueCompact$2,360$197
Acura MDXMidsize$2,364$197
Lexus NX 350Compact$2,372$198
Lexus RX 350Midsize$2,374$198

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Athens, GA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Athens, GA, with the Acura RDX ranking first at $1,978 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Athens, GA, with the Acura RDX ranking first at $1,978 per year.

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 $2,732 per year ($228 per month) and varies from $2,268 to $6,298.

Average 2024 Ram Truck insurance premiums in Athens for different driver ages and risk scenarios.
Figure 4: Average 2024 Ram Truck insurance premiums in Athens for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Ram Truck with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ram Truck car insurance cost in Athens includes all Zip Codes and vehicle trim levels.

2024 Ram Truck Insurance Cost in Athens, GA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,298$525
Safe Driver Age 20$5,508$459
At-fault Accidents Age 40$3,876$323
Low Deductibles Age 40$3,572$298
Safe Driver Age 30$2,918$243
Safe Driver Age 40$2,732$228
Safe Driver Age 50$2,422$202
High Deductibles Age 40$2,298$192
Discount Rate Age 40$2,268$189
Safe Driver Age 60$2,266$189

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ram Truck trim levels. Updated June 26, 2025

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 $2,302 per year (about $192 per month) and ranges from $1,910 to $5,278 per year.

Average 2024 Toyota Corolla insurance premiums in Athens for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota Corolla insurance premiums in Athens for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Athens includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Athens, GA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,278$440
Safe Driver Age 20$4,606$384
At-fault Accidents Age 40$3,270$273
Low Deductibles Age 40$2,954$246
Safe Driver Age 30$2,450$204
Safe Driver Age 40$2,302$192
Safe Driver Age 50$2,054$171
High Deductibles Age 40$1,964$164
Safe Driver Age 60$1,916$160
Discount Rate Age 40$1,910$159

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 26, 2025

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 $2,122 per year (about $177 per month) and has a range of $1,766 to $4,856 for the sample driver risk profiles displayed in the cost chart below.

Average 2024 Nissan Rogue insurance premiums in Athens for different driver ages and risk scenarios.
Figure 6: Average 2024 Nissan Rogue insurance premiums in Athens for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Athens includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Athens, GA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,856$405
Safe Driver Age 20$4,236$353
At-fault Accidents Age 40$3,006$251
Low Deductibles Age 40$2,730$228
Safe Driver Age 30$2,260$188
Safe Driver Age 40$2,122$177
Safe Driver Age 50$1,890$158
High Deductibles Age 40$1,806$151
Safe Driver Age 60$1,768$147
Discount Rate Age 40$1,766$147

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 27, 2025

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 $2,302 per year, or about $192 per month, and varies from $1,914 to $5,320.

Average 2024 Honda Pilot insurance premiums in Athens for different driver ages and risk scenarios.
Figure 7: Average 2024 Honda Pilot insurance premiums in Athens for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in Athens includes all Zip Codes and vehicle trim levels.

2024 Honda Pilot Insurance Cost in Athens, GA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,320$443
Safe Driver Age 20$4,666$389
At-fault Accidents Age 40$3,260$272
Low Deductibles Age 40$3,044$254
Safe Driver Age 30$2,458$205
Safe Driver Age 40$2,302$192
Safe Driver Age 50$2,034$170
High Deductibles Age 40$1,922$160
Discount Rate Age 40$1,914$160
Safe Driver Age 60$1,906$159

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Pilot trim levels. Updated June 27, 2025

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 $470 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 $400 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 $71 and $230 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.