Buy Cheap Athens, TX Auto Insurance (2021)

Athens, TX auto insurance rates average $297 a month. Minimum auto insurance requirements in Athens, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Athens, TX, 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, TX after a DUI are $4,065/year
  • The most expensive auto insurance company in Athens after a DUI is Allstate
  • Average auto insurance rates in Athens, TX are $297/month

Finding affordable Athens, Texas auto insurance can be challenging, but everything you need to know to buy cheap Athens, TX 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, TX car insurance rates compare to Arlington auto insurance rates, Dallas auto insurance rates, and Austin auto insurance rates before you read more about the cost of auto insurance in Athens.

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

Athens, TX Minimum Auto Insurance Requirements

The required auto insurance in Athens, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Athens, Texas is outlined here.

Minimum Required Auto Insurance Coverage in Athens, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Athens, TX Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Athens, Texas

Insurance Company Poor Fair Good
Allstate $6,413 $4,690 $4,013
American Family $5,252 $3,294 $2,886
GEICO $4,327 $2,463 $1,653
Nationwide $4,164 $3,347 $2,913
Progressive $5,046 $4,357 $4,036
State Farm $4,010 $2,494 $1,986
USAA $3,663 $2,109 $1,695

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

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

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

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 $3,273 $3,300 $3,233 $3,233 $8,625 $10,401 $4,041 $4,205
American Family $2,329 $2,583 $2,168 $2,472 $6,006 $7,859 $3,307 $3,762
GEICO $2,112 $2,278 $2,055 $2,327 $4,520 $4,693 $2,272 $2,257
Nationwide $2,189 $2,226 $1,936 $2,050 $6,152 $7,900 $2,566 $2,776
Progressive $2,388 $2,274 $2,124 $2,164 $9,991 $11,168 $2,837 $2,892
State Farm $1,997 $1,997 $1,772 $1,772 $4,711 $5,991 $2,166 $2,235
USAA $1,589 $1,602 $1,515 $1,508 $4,443 $4,850 $2,122 $2,284

Buy Cheap Athens, TX 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, TX are listed here.

Annual Auto Insurance Rates for Teen Drivers in Athens, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,625 $10,401
American Family $6,006 $7,859
GEICO $4,520 $4,693
Nationwide $6,152 $7,900
Progressive $9,991 $11,168
State Farm $4,711 $5,991
USAA $4,443 $4,850

Buy Cheap Athens, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Athens, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,233 $3,233
American Family $2,168 $2,472
GEICO $2,055 $2,327
Nationwide $1,936 $2,050
Progressive $2,124 $2,164
State Farm $1,772 $1,772
USAA $1,515 $1,508

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

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

Annual Auto Insurance Rates by Coverage Level in Athens, Texas

Insurance Company Low Medium High
Allstate $4,908 $4,990 $5,218
American Family $3,543 $3,668 $4,221
GEICO $2,653 $2,771 $3,019
Nationwide $3,729 $3,325 $3,369
Progressive $4,281 $4,461 $4,698
State Farm $2,689 $2,821 $2,979
USAA $2,409 $2,479 $2,580

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Find Cheap Athens, TX 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, TX by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Athens, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,919 $5,159
American Family $3,811 $3,811
GEICO $2,762 $2,867
Nationwide $3,474 $3,474
Progressive $4,480 $4,480
State Farm $2,830 $2,830
USAA $2,458 $2,521

Find Cheap Athens, TX Auto Insurance Rates by ZIP Code

Auto insurance rates in Athens, Texas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Athens, TX to see how much where you live in Athens affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Athens, Texas

ZIP Code Average Annual Rates
75751 $5,241
75752 $5,357

Find Cheap Athens, TX Auto Insurance Rates by Driving Record

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

Annual Athens, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,912 $6,039 $6,293 $3,912
American Family $3,485 $4,401 $3,872 $3,485
GEICO $2,394 $3,147 $2,639 $3,077
Nationwide $3,015 $3,015 $4,463 $3,404
Progressive $3,907 $5,049 $4,565 $4,399
State Farm $2,522 $2,883 $3,392 $2,522
USAA $1,857 $2,736 $3,231 $2,132

Find Cheap Athens, TX Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Athens, Texas 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, TX auto insurance companies.

Annual Auto Insurance Rates After a DUI in Athens, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,293
American Family $3,872
GEICO $2,639
Nationwide $4,463
Progressive $4,565
State Farm $3,392
USAA $3,231

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

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

Best Annual Auto Insurance Rates by Company in Athens, Texas

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

Find Cheap Athens, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Athens, Texas

Insurance Company Average Annual Rates
Allstate $5,039
American Family $3,811
GEICO $2,814
Nationwide $3,474
Progressive $4,480
State Farm $2,830
USAA $2,489

What affects Athens, Texas auto insurance rates?

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

Auto Theft in Athens

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Athens, TX auto theft show a total of 27 vehicle thefts annually.

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, TX is 20.8 minutes according to City-Data.

Traffic in Athens

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

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Compare Auto Insurance Quotes in Athens, TX

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

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