Buy Cheap Athens, NY Auto Insurance (2021)

Athens, NY auto insurance rates average $320 a month. Minimum auto insurance requirements in Athens, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Athens, NY, compare Athens auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Athens, NY after a DUI are $5,097/year
  • Average auto insurance rates in Athens, NY for teens drivers are $6,630/year
  • The most expensive auto insurance company in Athens after a DUI is Liberty Mutual

Finding affordable Athens, New York auto insurance can be challenging, but everything you need to know to buy cheap Athens, NY auto insurance with confidence is right here. Auto insurance rates in Athens are affected by local factors as well as personal ones like your driving record.

See how Athens, NY car insurance rates compare to New Rochelle auto insurance rates, New York auto insurance rates, and Yonkers auto insurance rates before you read more about the cost of auto insurance in Athens.

Don’t buy Athens, NY auto insurance until you’ve compared rates. Get free Athens, New York auto insurance quotes when you enter your ZIP code above.

Athens, NY Minimum Auto Insurance Requirements

The required auto insurance in Athens, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Athens, New York is outlined here.

Minimum Required Auto Insurance Coverage in Athens, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Athens, NY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Athens, NY. Take a look at Athens, New York auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Athens, New York

Insurance Company Poor Fair Good
Allstate $5,727 $3,402 $2,962
GEICO $2,583 $1,898 $1,703
Liberty Mutual $8,980 $5,868 $4,390
Nationwide $3,226 $3,226 $3,226
Progressive $5,372 $2,749 $2,004
State Farm $6,430 $4,029 $3,195
Travelers $5,084 $3,199 $2,781
USAA $5,284 $2,627 $2,319

Buy Cheap Athens, NY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Athens, New York auto insurance rates? Find out how car insurance rates in Athens, NY are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Athens, New York

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 $2,680 $2,544 $2,501 $2,552 $7,936 $8,587 $2,698 $2,745
GEICO $1,520 $1,464 $1,477 $1,456 $3,173 $4,623 $1,372 $1,408
Liberty Mutual $4,644 $4,644 $4,322 $4,322 $9,063 $14,728 $4,644 $4,936
Nationwide $2,433 $2,433 $2,295 $2,295 $4,336 $6,474 $2,433 $3,109
Progressive $2,051 $1,915 $1,643 $1,670 $6,886 $7,644 $2,636 $2,556
State Farm $2,847 $2,847 $2,482 $2,482 $8,437 $10,867 $3,133 $3,315
Travelers $2,687 $2,721 $2,431 $2,615 $6,050 $7,176 $2,849 $2,973
USAA $1,783 $1,754 $1,610 $1,615 $7,161 $8,549 $2,285 $2,526

Buy Cheap Athens, NY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Athens can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Athens, NY are listed here.

Annual Auto Insurance Rates for Teen Drivers in Athens, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,936 $8,587
GEICO $3,173 $4,623
Liberty Mutual $9,063 $14,728
Nationwide $4,336 $6,474
Progressive $6,886 $7,644
State Farm $8,437 $10,867
Travelers $6,050 $7,176
USAA $7,161 $8,549

Buy Cheap Athens, NY Auto Insurance for Seniors

You can save on senior auto insurance rates in Athens, New York by comparing Athens senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Athens, NY here.

Annual Auto Insurance Rates for Senior Drivers in Athens, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,501 $2,552
GEICO $1,477 $1,456
Liberty Mutual $4,322 $4,322
Nationwide $2,295 $2,295
Progressive $1,643 $1,670
State Farm $2,482 $2,482
Travelers $2,431 $2,615
USAA $1,610 $1,615

Find Cheap Auto Insurance Rates in Athens, NY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Athens, New York auto insurance. Compare Athens, NY auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Athens, New York

Insurance Company Low Medium High
Allstate $3,863 $4,020 $4,208
GEICO $1,950 $2,053 $2,182
Liberty Mutual $6,132 $6,393 $6,714
Nationwide $3,031 $3,200 $3,448
Progressive $3,195 $3,354 $3,577
State Farm $4,332 $4,577 $4,745
Travelers $3,498 $3,650 $3,916
USAA $3,312 $3,393 $3,526

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Find Cheap Athens, NY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Athens. Compare auto insurance rates in Athens, NY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Athens, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,975 $4,085
GEICO $2,001 $2,122
Liberty Mutual $6,232 $6,593
Nationwide $3,226 $3,226
Progressive $3,375 $3,375
State Farm $4,391 $4,711
Travelers $3,688 $3,688
USAA $3,376 $3,445

Find Cheap Athens, NY Auto Insurance Rates by Driving Record

Auto insurance rates in Athens, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Athens, NY, take a look at the average cost for various violations versus rates for a clean driving record in Athens.

Annual Athens, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,411 $3,411 $4,992 $4,308
GEICO $1,626 $1,771 $3,225 $1,626
Liberty Mutual $5,126 $5,126 $10,273 $5,126
Nationwide $2,459 $2,459 $5,473 $2,515
Progressive $3,283 $3,283 $3,632 $3,303
State Farm $4,333 $4,333 $4,769 $4,769
Travelers $3,180 $3,924 $3,978 $3,669
USAA $3,036 $3,085 $4,436 $3,085

Find Cheap Athens, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Athens, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in Athens for less when you shop around and compare rates from multiple Athens, NY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Athens, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,992
GEICO $3,225
Liberty Mutual $10,273
Nationwide $5,473
Progressive $3,632
State Farm $4,769
Travelers $3,978
USAA $4,436

Winners by Category: Where to Buy Cheap Auto Insurance in Athens, NY

Compare rates from the cheapest auto insurance companies in Athens, NY for your needs. Take a look at how Athens, New York auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Athens, New York

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

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Find Cheap Athens, New York Auto Insurance Companies

If you’re looking for the cheapest Athens, NY auto insurance companies overall, you can compare them here. Find the best price for Athens, New York car insurance by company.

Average Annual Auto Insurance Rates by Company in Athens, New York

Insurance Company Average Annual Rates
Allstate $4,030
GEICO $2,062
Liberty Mutual $6,413
Nationwide $3,226
Progressive $3,375
State Farm $4,551
Travelers $3,688
USAA $3,410

What affects Athens, New York auto insurance rates?

Local factors affect auto insurance rates in Athens, NY, including traffic, theft statistics, and commute length. Take a look at the things that impact Athens auto insurance rates.

Commute Times in Athens

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Athens, NY is 21.6 minutes according to City-Data.

Traffic in Athens

How is traffic in Athens, New York? Inrix data shows that Athens, NY traffic makes it the 35th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Athens, NY

You can buy cheap Athens, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Athens, New York auto insurance quotes from top companies.

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