The cheapest insurer for you may vary based on your profile and driving record. Allstate is the cheapest insurer for teen drivers on a family policy, while USAA is the least expensive if you have a military background. Auto-Owners Insurance Co is the most affordable option for minimum coverage and drivers with speeding tickets and at-fault accidents. It also offers the best customer service. Country Financial is ideal for minimum coverage policies and drivers with a DUI offense.
Cheapest and Best Car Insurance in Augusta
Cheapest Minimum Liability Car Insurance in Augusta
The following companies offer the cheapest minimum coverage policies in Augusta:
- Auto-Owners Insurance Co: $312 per year
- Country Financial: $360 per year
State Farm is the most expensive minimum coverage insurer, with an average annual cost of $593. With an average cost of $321 per year, Country Financial is Georgia's most affordable car insurer as of October 2022. This shows how location can significantly impact your insurance rate.
A minimum coverage policy in Georgia will only include bodily injury liability and property damage liability coverage. At a minimum, you’re required to have the following coverage limits in the state:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
The liability coverage limits help you understand the maximum amount the insurance company will cover. For instance, if you have a policy with a $50,000 bodily injury liability per accident and the cost of medical injuries of the victims exceeds this amount, you will have to cover the remaining amount yourself.
Cheapest Full Coverage Car Insurance in Augusta
MoneyGeek’s analysis shows the following companies have the cheapest full coverage policies in Augusta:
- Country Financial: $758 per year
- Auto-Owners Insurance Co: $766 per year
Progressive has the most expensive full coverage policy, costing an average of $1,095 per year. Country Financial is also the most affordable full coverage insurer in Georgia, at $675 per year as of October 2022. This shows that car insurance rates may be higher in Augusta than in other cities in the state.
You will get collision and comprehensive insurance with a full coverage policy.
- Collision Insurance: If you damage your vehicle in an at-fault accident involving a collision with another vehicle or object, collision insurance will pay for the vehicle’s repair or replacement cost.
- Comprehensive Insurance: This covers the cost of damages from natural disasters, theft and vandalism.
Consider not opting for full coverage car insurance with an older vehicle, as it can be more expensive than the vehicle’s value.
Cheapest Car Insurance in Augusta After a Driving Offense
MoneyGeek found that the following car insurance companies offer the most affordable full coverage policies after these driving violations:
- Speeding ticket: Auto-Owners Insurance Co ($861 per year)
- At-fault accident: Country Financial ($1,065 per year)
- DUI: Allstate ($1,106 per year)
Progressive is the most expensive insurer for drivers with a speeding ticket and at-fault accident, charging $1,468 and $2,051 per year, respectively. GEICO has the most expensive rates for drivers with DUI offenses at $2,968 per year.
A driving violation can significantly impact the cost of your insurance, so even a “cheap” rate for you may still be more expensive than an average-priced rate for a safe driver.
More severe driving violations will generally result in more expensive rates; however, this is not always the case. In Augusta, a driver with a DUI will have to pay an average of $444 more for a policy than a driver with a speeding ticket on their record. However, finding the cheapest car insurance for a poor driving record is still possible by shopping around.
Cheapest Car Insurance in Augusta for Teens and Their Families
In Augusta, 16-year-old teens on a family policy can get the cheapest car insurance from the following companies:
- Allstate: $1,496 per year for female teens and $1,566 per year for male teens
- GEICO: $1,821 per year for female teens
- Auto-Owners Insurance Co: $2,233 per year for male teens
State Farm is the most expensive car insurance company, charging an average of $2,735 per year for female teens and $3,502 per year for male teens.
The insurance rates for male teens are higher because men are risker to insure. However, both men and women generally pay similar rates in early adulthood.
Teen drivers will pay significantly higher rates if they buy an individual policy. MoneyGeek’s analysis shows that the average cost of an individual policy for a 16-year-old teen driver is $6,006 per year, which is $3,112 more than the cost of a family policy. Families with teens can save money by comparing insurers to find the cheapest car insurance for teens.
Cheapest Car Insurance in Augusta for Military Drivers
Active-duty military members or veterans might find the cheapest full coverage policies from the following companies:
- USAA: $702 per year
- Country Financial: $758 per year
The cheapest car insurance companies for military families looking for minimum coverage are Auto-Owners Insurance Co at $312 per year and Country Financial at $360 per year.
How to Compare Cheap Augusta Car Insurance Quotes Online
It can take up to 15 minutes to receive an insurance quote, since most companies require that you input a significant amount of personal information. If you want a quick estimate, use MoneyGeek’s car insurance calculator. Simply input your age, vehicle type, coverage level and driving record to receive an approximate rate.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Augusta: Summary
The best car insurance for you will vary based on how much you value factors like cost, service quality and coverage options.
These companies are the best options for car insurance in Augusta:
- Best Overall: Country Financial (MoneyGeek score of 81 out of 100)
- Best for service: Auto-Owners Insurance Co (MoneyGeek score of 66 out of 100)
- Best cheap: Auto-Owners Insurance Co (MoneyGeek score of 84 out of 100)
A company’s overall MoneyGeek score might vary across categories based on how individual factors (cost, customer service, service quality, etc.) were weighted. We found that Georgia's best car insurance company is also Country Financial. The best car insurance for military drivers is USAA car insurance, earning a high MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in Augusta
In Augusta, the following insurers provide the best overall full coverage policies:
- Country Financial: MoneyGeek score of 81 out of 100 ($758 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 81 out of 100 ($766 per year)
Country Financial ranked the highest for customer satisfaction and affordability, showing that you won’t have to compromise between customer service and cost. Those with a military background should consider car insurance from USAA; the insurer received an impressive MoneyGeek score of 85 out of 100.
Has the highest ratings for affordability
Has the highest ratings for customer satisfaction
Provides glass deductible modification, portable electronics and media and new car replacement coverage
Does not provide accident forgiveness coverage
Has a poor claims management rating
Compared to the insurers we evaluated, Country Financial has the cheapest full coverage policies and provides top-notch customer service. The insurer also offers several rare coverage options, making it an all-around great option.
The glass deductible modification coverage waives the deductible if you need to repair your windshield, windows or headlight covers. Although it has specific limits, the portable media and electronics coverage protects you if someone steals your phone or laptop from your car. The new car replacement coverage covers the cost of a brand-new car of the same make and model if your vehicle is totaled. However, your car must be up to three model years old. The winner and runner-up for this category differ slightly in cost; however, Country Financial has a higher customer satisfaction score than Auto-Owners Insurance Co.
Best Car Insurance in Augusta for Customer Service
Excluding cost from our evaluation, the following insurers are the best for customer service in Augusta:
- Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 ($766 per year)
- Country Financial: MoneyGeek score of 65 out of 100 ($758 per year)
Of the insurers we evaluated, Auto-Owners Insurance Co has the highest claims management rating and a relatively high customer service score. This insurance provider also has the second-cheapest rates, which means you can receive quality service without exceeding your budget.
Ranks well for affordability and available coverages
Offers coverages like diminished value, gap insurance and accident forgiveness
Has the fourth-highest customer satisfaction score
Auto-Owners Insurance Co scored high for coverages, offering various common and rare coverages with its policies. It also ranked relatively well for affordability. Although the insurer’s policies are slightly more expensive than our runner-up, it’s still one of the most affordable options in the city.
The insurer’s diminished value coverage safeguards you from depreciation in your car’s value after it has been in an accident and it has been repaired. You can also add gap insurance to your policy which pays the difference between your car’s worth post-accident and its remaining loan amount. With accident forgiveness coverage, you won’t have to pay an accident surcharge after an at-fault accident if you haven’t had any significant driving violations within the preceding 36 months.
Claims management is an important indicator of an insurer’s customer service ability. This shows how an insurer processes claims, which can be extremely important during stressful situations, like after an accident or roadside breakdown. Auto-Owners Insurance Co’s high claims management rating can provide peace of mind that your claim will be processed efficiently and professionally.
Best Cheap Car Insurance Companies in Augusta
MoneyGeek chose the following companies as the best options for minimum coverage policies in Augusta based on cost and service quality:
- Auto-Owners Insurance Co: MoneyGeek score of 84 out of 100 ($312 per year)
- Country Financial: MoneyGeek score of 75 out of 100 ($360 per year)
Minimum coverage policies are typically the least expensive. However, these policies have the lowest liability limits and won’t protect you against damages to your vehicle if you cause an accident.
An affordable minimum coverage policy costs $312 per year
Offers responsible payment, bundling and safe driving discounts
Ranks the highest for affordability and claims management
Has an average customer satisfaction score
Auto-Owners Insurance Co ranked the highest for affordability as it offers the cheapest insurance policies compared to its competitors in Augusta. The company will also handle your claims reasonably well, as indicated by its high score for claims management.
It offers various common and rare discounts, including those for bundling insurance policies and safe driving. With its bundling discounts, drivers can reduce the cost of their premium by purchasing home, car and life insurance with Auto-Owners Insurance Co. Drivers with a clean record will also earn a discount on their premiums.
You can also get a responsible payment discount with Auto-Owners Insurance Co. Policyholders who have paid their premiums on time for the last 36 months will qualify for this discount. This discount is rarely offered by other insurance providers.
Average Cost of Car Insurance in Augusta
The average cost of full coverage car insurance in Augusta is $920 per year. This is $345 less than the national average of $1,265 and $92 less than the average cost of car insurance in Georgia at $1,012 as of October 2022. The primary factor affecting your car insurance rates is your location.
The rates mentioned here are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
About Mark Fitzpatrick