Car Insurance in Athens, GA

Auto insurance that covers your car's unique features and the risks you actually face is the key to protecting yourself and your vehicle.
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Auto Insurance That Fits Your Life

The risks faced by drivers in Athens are very different from those faced by people living and commuting in Atlanta, let alone by those from other states. This is a commuter town, but the commute is only about 22 minutes. It's also a driving town, with an average of two cars per household, and that makes a difference when it comes to insuring your vehicle. Car insurance in Athens, GA, also needs to cover the unique features of your vehicle, and VIU by HUB can help you find the coverage that fits both your options package and any aftermarket upgrades you have made.

Protect Yourself on Your Commute

While Athens has a well-developed bus and trolleybus system, most of the city's permanent residents choose to drive to work and school. Athens Public Transit is a fixed transit system, so when the weather acts up, it can leave commuters walking in the rain. With the number of rainy days in this part of Georgia, it's not surprising that there are a lot of people who drive instead.

As a midsized city with a cultural life that strongly features the local university, Athens is a relatively safe but high-traffic area. In 2021, there was a crash every 96 minutes in Athens-Clarke County, with a crash that injured someone happening on average once every six hours. While serious injuries are far less frequent, your car insurance in Athens, GA, needs to provide robust accident protection for everything from minor fender benders to major accidents requiring vehicle replacement.

Vehicle Coverage Options in Athens, GA

Athens, Georgia, drivers can find the most affordable coverage with Georgia Farm Bureau, for an average yearly premium of $1,318. The state requires bodily injury liability and property damage liability coverage for all vehicles driven on Georgia roads, but this coverage is just a starting point. To completely protect your vehicle and get the best deals on coverage, you need additional features that anticipate your real risks, as well as discounts for safety features you have installed. Look for:

  • Comprehensive coverage against damage beyond collisions
  • Collision coverage that reflects the value of your vehicle
  • Roadside assistance, towing and rental services

These basics are worth consideration for every driver because they can make life a lot more convenient. The key to deciding on your comprehensive and collision coverage options is calibrating the deductible. The higher the deductible cost, the lower your premium, but that means covering more of your repairs upfront. For many drivers, that makes paying for a lower deductible worth it.

Adjusting your medical and liability coverages upward is also very common. The state limits for Georgia are quite low, with only $25,000 per accident in property liability and $50,000 per accident for bodily injury liability coverage.

Additional Policy Options

For those who invest a little more in their vehicles, there are also coverage options that cover modifications, typically as custom car policies that add coverage above and beyond your basic auto insurance. Drivers who participate in rideshare or delivery work as independent contractors also need additional coverage that protects them while using their vehicles professionally because basic auto insurance usually excludes commercial activities such as rideshare apps and food delivery.

VIU by HUB gives you a convenient way to compare costs for car insurance in Athens, GA, that fits every aspect of your relationship with your vehicle.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Athens-Clarke County Police Department

Data USA


Georgia Office of Insurance and Safety

Car and Driver

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