Best Athens, OH Car Insurance in 2025
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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Table of Contents
Table of Contents
Former Licensed Insurance Producer
Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...
Laura Berry
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...
Brad Larson
Updated October 2024
- 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.
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.
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