Find Cheap Car Insurance in Athens, OH

Did you know that Athens is home to one of the oldest universities in the United States? Ohio University was founded in 1804, and this institution is just a glimpse of the many treasures the city has to offer.

This city, nestled in southeastern Ohio, boasts a rich history dating back to the early 19th century. With landmarks like The Ridges and an arts and music scene, Athens exudes a unique charm that draws visitors and locals alike.

If you find yourself cruising around the Buckeye State, remember that having reliable auto insurance is key. Dive into the Ohio car insurance world with Acceptance, your go-to for cheap coverage that suits your needs, no matter your driving history. Keep reading and uncover the best deals to keep you protected on the road.

In Athens, you can get basic liability auto insurance for approximately $22 per month, a total steal when you consider the national average of $52 and Ohio’s average of $28.

Upgrading to full car coverage might result in a monthly expense of around $93, that’s $7 less than Ohio’s average of $100 and $75 less than the national norm of $168.

What Does Full vs. Minimum Mean?

When choosing car insurance in Athens, it’s crucial to understand the distinction between full coverage and minimal liability.

If you opt for minimum liability coverage:

• You’re abiding by the state’s legal stipulations for safeguarding against bodily injury and property damage.
• This coverage extends to covering medical expenses and property repairs for others involved in accidents where you’re deemed liable.

On the flip side, embracing full coverage will:

• Cover your medical expenses and vehicle repairs in accidents, no matter who’s at fault, serving as a lifeline during trying times.
• Offer an additional layer of defense by including coverage for vandalism, and non-collision incidents.

The varying car insurance prices in Athens compared to other cities in Ohio stem from factors like how crowded the area is, how the traffic flows, and the local crime rates. Take a peek at the table below to see the average monthly rates in different cities across Ohio:

Compare Car Insurance Rates by Zip Code in Athens

Where you live can sway how much you pay for insurance. But in Athens, all drivers fall under the 45701-zip code, with the typical driver shelling out about $22 for basic coverage and roughly $93 for full insurance.

Low-Cost Car Insurance Rates by Age in Athens

Auto insurance costs are usually higher for younger drivers because they are seen as higher risk. As you get closer to your thirties, premiums usually begin to decrease until around the age of 65. Reaching this age could cause insurers to view you as a higher risk once more. Look at the table below for the average monthly expenses by age group in Athens.

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

How Many Accidents Happen Per Year in Athens, Ohio?

Between 2018 and 2022, Athens County, home to the city of the same name, logged 45 fatal crashes. Despite Athens’s small-town charm and the relatively low stats in the county, the risks persist.

Ohio sees approximately 1,154 fatal crashes each year, according to data from the Ohio State Highway Patrol. It’s crucial to remember that car accidents not only result in injuries and tragic outcomes but also affect insurance premiums, highlighting the importance of driving with caution.

Are Road Infrastructure and Bridges in Athens Well Maintained?

Currently, Athens is witnessing a significant transformation as many streets and infrastructure projects are undergoing revitalization. The city’s Engineering Department is spearheading a range of initiatives, such as upgrading the infrastructure on West Union Street by installing new waterlines and service connections. This endeavor aims primarily to decrease the frequency of fatal crashes in the area and is scheduled for completion by mid-2025.

Additionally, in 2025, enhancements will commence on SR 682 and SR 56 to alleviate traffic congestion. And by the end of 2026, the project to adjust citywide signal timings will ensure a seamless and efficient flow of traffic.

In Athens and all over Ohio, every driver needs to have at least the minimum liability auto insurance required by law. This includes:

• $25,000 for individual bodily injury
• $50,000 for bodily injury per accident
• $25,000 for property damage

If caught driving without auto insurance, you could face serious penalties, including license suspension for up to two years, vehicle plate confiscation, and registration suspension. You may also be required to obtain high-risk insurance for several years and cover court costs.

Additionally, reinstating your license will involve fees starting at $40 and reaching up to $600 for subsequent offenses, along with potential impound fees. Accumulating multiple coverage violations could also lead to being unable to register a vehicle in Ohio for up to five years.

So, it’s always best to play it safe and make sure you’re covered before hitting the road.

Your insurance rate isn’t just based on the regular cost in your city. It’s influenced by a mix of factors like:

• Whether you’re single or married
• Your occupation
• Previous insurance claims
• Your credit score
• Driving history
• How high your policy deductible is

Some of these factors might push up your premium, but there are ways to lower the cost, such as keeping a clean driving record.

Selecting the right car insurance coverage is a critical decision with significant long-term advantages. As mentioned earlier, by opting for a full policy, you can safeguard your vehicle and financial well-being from various risks such as theft, vandalism, weather-related damage, repair costs, and even the potential expenses of vehicle replacement.

Furthermore, beyond just protecting your automobile, a vehicle protection plan also provides legal support in the event of an accident. This includes guiding you through the intricate paperwork and procedures, ensuring that you have the necessary assistance during a challenging time.

Want to save on your policy without sacrificing coverage? Exploring auto insurance discounts can help ease your monthly budget

In Athens, drivers have a range of discount opportunities to explore, including:

If you’ve recently experienced significant life changes, remember to contact your local agent to see how these changes might impact on your policy and costs.