Augusta has an average annual car insurance rate of $1,200, which is $438 lower than Georgia’s state average. With an average rate of $881 per year, GEICO is the cheapest widely available insurer in Augusta. MoneyGeek’s analysis rated the cheapest insurer based on the coverage level and driver profile. MoneyGeek also has recommendations for those looking for a balance of quality service and low costs.
Compare the Cheapest Car Insurance Quotes in Augusta, GA
The Cheapest and Best Car Insurance in Augusta
The Cheapest Car Insurance Companies in Augusta
For a full coverage insurance policy, the following two companies are the most affordable on average:
- USAA: $798 yearly (only serving current and former military members)
- GEICO: $881 yearly
MoneyGeek used a sample driver profile for this study. In this scenario, the driver is a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision coverage.
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Average Cost of Car Insurance in Augusta
Auto insurance costs an average of $1,200 per year in the city of Augusta. That is 26.7% lower than the state average, which is $1,638. It is also less than the $1,424 annual average premium in the United States.
The Best Car Insurance Companies in Augusta
MoneyGeek ranked the best insurance companies to help drivers in Augusta find an insurer offering great service with affordable pricing. The following two companies came out on top:
- Auto-Owners: MoneyGeek score of 90 out of 100
- ALFA: MoneyGeek score of 88 out of 100
USAA received the highest score in Augusta by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek used information from J.D. Power's customer satisfaction, affordability and financial stability ratings, among other criteria, to calculate the scores out of 100 points.
Personalized Quotes to Get You the Cheapest Car Insurance in Augusta
Augusta insurance carriers assess risks related to each specific driver to determine the cost of auto insurance policies. They consider factors like gender, car make and model, driving history and coverage level. Drivers should regularly get personalized quotes from different companies to find out if they qualify for rebates and other savings. Comparing car insurance quotes will help you find the most accurate policy.
Shopping around for car insurance in Augusta could save you $319, which is enough to buy:
Cheapest Car Insurance in Augusta by Coverage Amount
The amount of insurance coverage you buy will also affect the annual rate, regardless of where you live or which insurer you choose. A car insurance policy meeting only the state minimum liability-only requirements costs an average of $710 yearly in Augusta. In contrast, a full coverage policy with higher liability limits costs an average of $1,200 annually. That is a difference of $490.
Georgia Minimum Liability Requirements
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Finding the cheapest car insurance for you will depend on your needs and circumstances. Generally, the state of Georgia requires a minimum of 25/50/25 liability coverage. It covers up to $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 property damage liability per accident.
While a state minimum policy may cost less, choosing more coverage will provide additional protection. For instance, Augusta drivers have the option to get 50/100/50 liability-only and full-coverage plans.
If the difference between coverage levels is nominal, it may be smart to get more coverage. GEICO, which has the cheapest options for typical Augusta drivers, offers a state minimum liability-only policy that costs $433 per year on average. Its 50/100/50 liability-only plan has an average annual premium of $548, while a 50/100/50 full-coverage policy costs roughly $793 per year.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Augusta if You Have Driving Violations
Being a responsible driver comes with perks. Individuals with clean driving records often get cheaper car insurance in Augusta than those with speeding tickets or DUIs. The annual premium can increase by more than $2,000. For example, an Augusta driver with a clean record can get a GEICO policy with an $881 annual premium. However, a similar policy will cost $3,034 per year if they have a DUI.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
The average rate for auto insurance also depends on your ZIP code. The average cost of car insurance by ZIP code in Augusta can range from $1,173 to $1,231. The cheapest neighborhood for auto coverage is 30907. Meanwhile, drivers residing in the 30906 area typically pay the city’s highest premiums.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Augusta
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Augusta. How Augusta ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Augusta are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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