Athens Car Insurance

Your Guide to Buying Car Insurance in Athens, GA

Find the right car insurance policy for you.

The roadways in Athens can sometimes be hazardous. There are frequent accidents on interstates 75 and 85 and some local roadways, such as the Oconee/Lexington corridor. You can protect your finances from the devastating costs associated with collisions by having a suitable Athens, GA car insurance policy.

It is easy to find insurers who want your auto insurance business. You can find them advertised on TV, Internet sites, and on billboards around town. But how can you find the right company for you and your family? A Trusted Choice® agent can help. These agents can explain your insurance options, help you assess your coverage needs and offer you a variety of competitively-priced Athens auto insurance quotes. Contact a local agent today for more information.

  • National average cost per year: $1,311
  • Georgia average cost per year: $1,519
  • 14th most expensive premiums in the US

The most recent information available as of 2016 shows that Georgia average premium costs are $1,519, which is considerably above the national average. There rates should be used as a reference only. The rates you can expect to pay for your Athens car insurance policy can vary significantly according to several factors, including:

  • The make, model and value of your vehicle
  • Your age, driving record and credit history
  • The amount of coverage you purchase and the deductible you choose
  • Where you drive and park your vehicle
  • The number of miles you drive each month

Many insurance companies also offer policy discounts to safe drivers, customers who carry multiple policies and those who have anti-theft devices installed in their vehicles. You can speak with a Trusted Choice agent to learn more.

What Does Athens Car Insurance Cover?

When it comes to car insurance, Athens residents must comply with Georgia’s mandated minimum liability coverage requirements. Failure to do so can result in fines, suspension of registration or license, and even jail time for repeat offenders.

Georgia Car Insurance Requirements:

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 25/50/25
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage.

This liability coverage will protect you if you are responsible for an accident in which a third party suffers injuries or property damage. In most cases, the coverage is sufficient, but if you are involved in a serious accident with several injuries or fatalities, you may find yourself responsible for large payments that go beyond the coverage offered by your policy. You can protect yourself from such a circumstance by purchasing liability coverage with higher limits, or through an umbrella insurance policy.

Other optional coverage includes collision and medical payment insurance, which will provide compensation for damages to your vehicle and injuries to you and your passengers if you are responsible for a collision. You can also elect to purchase uninsured motorist coverage. That way, if someone who lacks insurance causes an accident in which you are injured or your car is damaged, you will be guaranteed compensation.

Georgia Uninsured Motorists:

  • National uninsured motorists: 12.6%
  • Georgia uninsured motorists: 11.7%
  •  Georgia average vehicle repair cost: $2,199

A good car is not cheap, and as you can see above, repairing your car isn’t cheap, either. To completely protect your investment, you may elect to add comprehensive coverage to your Athens car insurance policy. This will provide you with compensation for any loss or damage to your vehicle that may occur when you are not driving. This can include loss and damage caused by fire, falling trees, floods, and theft, to name a few examples.

Car Thefts in Athens and Georgia:

  • National average number of vehicle thefts (per 1,000 registered vehicles): 2.94
  • Georgia number of vehicle thefts (per 1,000 registered vehicles): 3.83

If your car is stolen, you’ll need to carry comprehensive coverage in order to receive compensation for your loss. While car theft in this state is higher than the national average, but in Athens, the rate is much lower.  

Losing your vehicle to theft can be frustrating, upsetting and a hassle. Consider purchasing comprehensive insurance coverage so that you can recoup your losses if you are victim of this crime.

Find and Compare Athens Auto Insurance Quotes

Sometimes accidents are simply unavoidable. Fortunately, most of them are minor, but one bad accident could be enough to ruin your finances without the proper insurance in place. An Athens car insurance policy can shield you from such losses and allow you to get back on the road quickly.

When you are shopping for a policy, allow a Trusted Choice agent to comparison shop for you. These independent agents can help you determine which coverage options are right for you and can provide you with a variety of competitively-priced policies that meet your coverage needs. Contact an agent in your neighborhood today to start comparing Athens auto insurance quotes.

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