Car Insurance Quotes Athens ga
Car Insurance Quotes Athens ga
Car insurance cost can vary based on location and driver circumstances. In Athens, Georgia, drivers face a unique set of factors influencing their car insurance premiums, Georgia drivers normally pay an average of $1,042 per year for the minimum car coverage required by the state, which translates to approximately $86.83 per month. This is roughly 33% higher than the national average of $767 per year, or $61.92 per month. Athens drivers with full-coverage car insurance pay around $213 per month, which is 14% less than the state average of $244.92 per month. This rate is about the same as the national average of $219.38 per month for full coverage. These figures highlight that while minimum coverage may be more expensive in Georgia compared to the national average, full coverage in Athens can be more competitive. It’s also worth noting that another source states that drivers in Athens typically pay around $151.72 per month, compared to the national average of $168.32 per month. The average cost of a car insurance policy in Athens is $759 per six-month policy, which equals $126 per month.
In Georgia, all drivers must have the latest auto liability insurance and an up-to-date vehicle registration. Violations of this law can lead to several penalties. An initial infraction may incur a $25 fee for a coverage lapse alongside fines of up to $160 for nonpayment, which could further result in the suspension of vehicle registration. Repeat offenders face harsher repercussions, potentially including further fines and impoundment of their vehicles. drivers must stay informed about their coverage obligations to avoid these penalties.
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How Much Does Car Insurance Cost in Athens, GA?
Georgia mandated minimum car insurance premiums of $1,042 annually for drivers in Athens GA, or $86.83 per month At $767 annually ($61.92 per month), the national average, Georgia drivers pay around 33% more than the average.
In Athens, Georgia, drivers with full coverage auto insurance pay $213 per month, 14% less than the average monthly premium for the rest of the state, which is $244.92. The average monthly expenditure for drivers in the rest of the country is $219.38.
Affordable Athens Car Insurance Rates by Zip Code
Athens is spread across several zip codes and 122 square miles. Because of variations in driving conditions, claims rates, population density, and other factors, insurance premiums can change dramatically between zip codes, even within the same town. Your zip code is a key factor in the calculations used by insurance carriers.
see the average monthly premium that drivers in Athens pay by zip code:
Zip Code Full Coverage Insurance Liability Insurance Coverage
30601……………….$131…………………………………………$53
30602………………$130…………………………………………$53
30603………………$135…………………………………………$55
30604………………$135…………………………………………$55
30605………………$132…………………………………………$53
30606………………$129…………………………………………$53
30607………………$133…………………………………………$53
30608………………$135…………………………………………$55
30609………………$134…………………………………………#55
What Does It Mean If Georgia Is at Fault?
The state of Georgia is known as an at-fault state. This means that the person who caused the incident (or their liability insurance company) is responsible for the damages and injuries.
During the claims process, insurance companies and drivers’ lawyers must ascertain fault during the claims procedure. When more than one person is held accountable for an incident, they must split the payment obligations based on what portion of the fault is theirs.
no-fault laws require drivers and their insurance companies to pay for their own losses and injuries.
Athens Ga Car insurance rates by age
According to our research, 45% of drivers in Athens are between the ages of 20 and 29. With an average premium of $662 every six months, drivers in their 50s have the cheapest vehicle insurance rates in Athens. The prices for drivers in their 60s are slightly higher, at $683 for six months.
Teenage drivers in Athens have the highest insurance premiums. Aging out of your adolescence is one of the ways to reduce your Athens auto insurance rates as a driver. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Athens is $3,958.
Age Avg. 6 Mo. Premium
Teenagers………..$3,023
20s…………………$1,043
30s…………………$752
40s…………………$716
50s…………………$662
60s…………………$683
70s………………..$852
What Are the Penalties for Driving Without Insurance in Athens, GA?
In Georgia, all drivers are required to have both the latest registration and current auto liability insurance. Failure to do so will result in insurance penalties and fines:
Initial Penalty: You may pay $25 fee for the coverage and a fine of up to $160 for nonpayment. your car’s registration can be suspended.
further Penalties: You may be subject to further penalties and vehicle impoundment If you drive a suspended vehicle. For additional information visit here
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