Find Car Insurance in Athens, Texas
What You Should Know About Car Insurance in Athens, TX
Athens is a sprawling town covering more than 20 square miles with a population of nearly 13,000. It is a quiet municipality, but its location about 70 miles east of Dallas gives residents the option of commuting to the big city for work. Trinity Valley Community College is located in town and provides locals with a quality two-year post-high school education.
Enjoy the city’s vineyards and open areas, including the East Texas Arboretum, a 100-acre natural preserve full of wildlife, walking trails, spring-fed streams, a 115-foot suspension bridge, and an 1850s restoration home that serves as a museum. Before you head out to explore Athens, contact an expert InsureOne agent to ensure you have the best auto insurance at the best price in Texas.
How Much Does Car Insurance Cost in Athens, Texas?
You will pay around the same or less for car insurance in Texas compared to other U.S. states. Full coverage costs $2,019 yearly in the Lone Star State versus $2,014 in other states, while minimum liability policies average $565 — well below the national average of $622.
What Does Full Coverage vs. Minimum Liability Mean?
A full coverage policy helps you pay for damages you cause in an accident, including repairing or replacing your own vehicle under many circumstances, such as if a tree falls on your car while it is parked, if it is totaled by a hit-and-run driver, if someone steals it, or if you cause an accident and it needs bodywork. On the other hand, minimum liability only covers damages you cause to others but does not help you repair your own vehicle. This type of policy provides the basic coverage required by the state.
Affordable Car Insurance Rates Comparison by Cities in Texas
Coverage rates can vary by city. Athens and nearby cities have similar rates, as illustrated below:
City | Full Coverage Insurance | Liability Insurance Coverage |
---|---|---|
Athens | $149 | $41 |
Murchison | $152 | $41 |
Edom | $157 | $43 |
Ennis | $158 | $45 |
Van | $159 | $42 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Athens
You may be discussing getting auto coverage with your agent, but if you also need homeowners insurance mention that as well. While InsureOne always tries to get you the best prices, you will give your agent an even bigger opportunity to reduce your rates if you bundle your home and auto coverage with the same carrier because doing so can result in savings of up to 25% off each policy. You would also benefit by conveniently paying both bills to a single company.
Some companies offer better rates on car coverage, while others do so for homeowners. Additionally, each insurer treats bundling differently, with some offering steeper discounts than others. Getting a high rate reduction requires a lot of research, but not on your part. Your InsureOne agent will work diligently to customize a package that factors in the bundling of your policies.
What Types of Car Insurance Discounts Are Available in Athens?
Lowering your insurance premium goes even further through discounts insurers offer, such as:
- Multi-car discount
- Defensive driver discount
- Retention discount
- Low mileage discount
- Student discount
Notable Car Insurance Laws in Athens
Drivers in Athens and all other municipalities in the Lone Star State must abide by the following laws enacted by the state of Texas.
What Are the Mandatory Car Insurance Requirements in Athens?
Every driver in the U.S. must obtain insurance. Individual states set minimum levels of coverage that insurers must offer. These are the minimum coverage requirements in the state of Texas:
- $30,000 liability coverage for bodily injury per person
- $60,000 liability coverage for bodily injury per accident
- $25,000 liability coverage for property damage
What Is the Penalty for Driving Without Insurance in Athens?
If you get into an accident while driving without a proper policy in place, you will have to cover any damages you cause out of pocket. If you are convicted of driving without insurance in Texas, you will face the following fines and penalties:
- $175 to $350 fine, possibly lower in cases of economic hardship
- $350 to $1,000 fine for a second offense
- A yearly insurance surcharge of $250 for three years
- Possible license suspension
- Possible vehicle impoundment
Do Athens-Specific Laws Play a Role in Determining Your Insurance Premiums?
Texas allows insurers to base their rates on factors that might not be driving-related. The following are some examples.
- Credit score: Insurers offer lower rates to people with higher credit scores because statistics show they are less likely to file a claim than someone with a low credit score.
- Gender: Men are considered more likely to get into a car accident than women. Therefore, males pay slightly higher premiums than females.
- Marital status: Similarly, based on statistics, married people are somewhat less likely to get into accidents than single individuals and typically pay a little less for coverage.
- Claims history: Insurers assume if you have filed claims in the past, you are more likely to file a claim in the future than those who’ve never filed one and will charge you more for your policy.
- Age: Young drivers are considered the most likely to get into accidents and pay the most for coverage. Rates go down with experience and then increase again as drivers hit their senior years.
What Is the Best Car Insurance for Teenagers and Their Families in Texas?
Teens pay more for coverage than other drivers, but there are several things you can do to reduce the costs. First, consider getting more than the minimum levels of protection required by the state. Since your young driver is more likely than you to get into an accident, increasing your coverage will reduce the likelihood of you having to pay out of pocket for damages they cause.
Getting your teen an individual policy can be very expensive, so your best bet would be to add them to your existing plan. Get them an affordable vehicle that does not cost much to repair or replace because your insurer will charge you less since their liability is lower. Speak to your agent about getting your teen a student discount and a rate reduction for taking a defensive driving course.
At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your and your teen’s needs.
Typical Driving Conditions in Athens
Athens is a quiet suburban town without an excessive amount of commerce, so getting around town is pretty easy. The I-75, 19, and 31 cut through town but do not typically bring too much traffic. Summers get particularly sunny and hot, which may affect visibility and cause fatigue. Winters can sometimes get cold enough for roads to ice over, but not typically.
How Many Car Accidents Happen in Athens Per Year?
The following statistics from the Texas Department of Transportation show the total amount of crashes in Athens and surrounding cities in 2023:
City | Total Crashes |
---|---|
Athens | 305 |
Murchison | 10 |
Edom | 3 |
Ennis | 434 |
Van | 25 |
How Many Uninsured/Underinsured Motorists Are in Athens?
According to the Insurance Information Institute, 13.8% of Texas drivers were uninsured in 2022. TexasSure, a database managed by the Texas DMV, estimates that as much as 20% of drivers in Texas are uninsured.
Get Covered by the Best Car Insurance in Athens, Texas Today
Complying with insurance laws and getting a fair price for coverage only seems complicated. InsureOne is your one-stop shop for car insurance, offering white-glove service through expert agents who do all the work necessary to get you the best coverage at the best prices.
You can relax as we match you with high-quality carriers that will protect you financially should you ever get into an accident. Get the process started by stopping by one of our physical locations, calling us at (800) 836-2240, or visiting our website.