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In the market for auto insurance in Augusta? At, you can find the very best insurance rates in your city. To acquire free car insurance quotes from the leading providers today, key your zip code into the quote box on this page.

Augusta is a moderately sized city bordering the beautiful Savannah River. But it is perhaps most famous for hosting The Masters Tournament on an annual basis, the renowned golf tournament. Additionally, Augusta is well known for its biotechnology industry and its medical facilities. Learn more about Georgia car insurance requirements here.

  • Fun Fact: August is #1 on the list of “Top 101 cities with largest percentage of females working in industry: Health care (population 50,000+)”? Learn more about Augusta.

Auto Insurance Coverage Requirements in Georgia

Driving legally in Augusta requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Remember that you have a huge difference between what minimum state insurance coverage covers, and all the extra things an extensive policy will safeguard. It may be less expensive to lessen coverage with an older vehicle that you simply aren’t making repayments on. But more recent vehicles are certainly well worth the extra coverage.

In a few regions of Georgia, the typical driver may be having to pay around $183 or even more for his or her payments. However that does not need to be true for many Augusta motorists. Actually, should you act today, you may have the ability to decrease your rates lower to $40/mo* or fewer!

Average Monthly Auto Insurance Premiums Legend: Augusta The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 $47 $47 $40 $42 $57


Between Nationwide, Allied, and State Farm, you would be hard-pressed to locate lower automotive insurance costs in Augusta. But bear in mind that, while reduced rates are wonderful, it may be worth a couple of extra dollars monthly knowing your provider has excellent customer and claims services.

Auto insurance providers contemplate various elements when figuring out insurance quotes, including driving violations, accident claims, Type of vehicle owned, driving distance to work, and theft protection devices. Also keep in mind that premiums change from company to company. To verify you’re still being charged the most affordable rate, compare cheap Augusta auto insurance quotes online.

Major Car Insurance Factors in Augusta

Insurance companies take many variables into account when crafting an auto insurance policy. Unfortunately, many of these factors are difficult or impossible to change, such as your gender or where you live. Other variables your car insurance company may consider include:

  • Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Augusta is 136,381 and the median household income is $34,429.

Auto Insurance by Zip Code Legend: Atlanta Athens Savannah Macon Augusta The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 $45 $34 $39 $38 $47 $47 $35 $46 $36 $47 $48 $36 $37 $43 $40 $48 $33 $39 $37 $42 $59 $43 $51 $44 $57


  • Automotive Accidents

Thankfully, serious accidents in Augusta are quite low. And when you live in an area with very low accident rates, your insurance provider is much more likely to charge you less money each month in car insurance premiums!

Fatal Accidents in Augusta, GA Legend: Augusta Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 2 3 2 3 4


  • Auto Thefts in Augusta

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Augusta has been going up recently, and your chances of experiencing auto theft are 433 in 100,000. If you’re worried about theft, or other circumstances such as vandalism or severe weather, then make sure you add some Comprehensive coverage to your insurance plan.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage The Hartford Nationwide State Farm Allied Allstate 15 30 45 60 75 90 105 120 $47 $58 $47 $86 $40 $77 $42 $82 $57 $123


  • Your Credit Score

It may get costly for motorists with a bad credit score in Augusta, because most options are having to pay two times just as much for his or her premiums than individuals by having an excellent credit rating. For those who have a bad credit score, try monitoring your score on the internet and begin taking steps to enhance your individual rating.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 70 80 $21 $80 $42 $59 $32 $75 $37 $55 $46 $85


  • Your Age

It could appear unfair, but youthful motorists (and particularly teenagers) need to pay drastically greater rates than just about any motorist on the highway. Some companies, as you can tell within the chart below, don’t even wish to insure them whatsoever. This is exactly why Good Student and Driver’s Ed discount rates are extremely useful for youthful motorists it may take the payments lower from impossibly high, to “affordable”.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old The Hartford Nationwide State Farm Allied Allstate 25 50 75 100 125 150 175 200 $47 $90 $47 $213 $40 $158 $42 $190 $57 $129


  • Your Driving Record

Your driving history could be tricky in the end, based on the chart above, some providers will lift up your rates to get a small speeding ticket near to individuals of the major at-fault accident or perhaps a Drunk driving. But speak to your provider about Accident Forgiveness, and find out should you be eligible for a such savings.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident The Hartford Nationwide State Farm Allied Allstate 15 30 45 60 75 90 $47 $33 $36 $39 $47 $55 $90 $52 $40 $41 $63 $38 $42 $52 $99 $66 $57 $56 $69 $93


  • Your Vehicle

Costly cars are more expensive to insure due to just how much extra insurance policy you have to purchase to be able to safeguard them correctly. If you are driving a classic, used sedan, it will not cost much to exchange (and for that reason does not require just as much coverage). However a luxury vehicle, especially a more recent one, might cost tens or perhaps 100s of 1000’s to correctOrsubstitute, and you’ll need a big enough insurance plan to pay for this type of need.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder The Hartford Nationwide State Farm Allied Allstate 15 30 45 60 75 90 105 120 135 150 165 $47 $85 $47 $93 $40 $93 $42 $92 $57 $166


Minor Car Insurance Factors in Augusta

Don’t overlook other key elements, though:

  • Your Marital Status

It is not always being married by itself that instantly lowers your insurance costs. When you are married puts you within the best position to bundle your guidelines, and save. Married people can bundle their auto guidelines together, along with other kinds of insurance which your organization provides.

  • Your Gender

Chances are that the provider only requested you to determine the “male” or “female” box in your application for bureaucratic reasons. Most of the major providers nowadays don’t charge drastically different rates according to gender alone. From the couple of companies who still do, nobody can appear to determine which gender should spend the money for greater rate.

  • Your Driving Distance to Work

For many workers in Augusta, the average commute to work can last anywhere from 20-25 minutes. The vast majority of motorists prefer to drive their own car to work as opposed to using public transportation. A small percentage of residents carpool in order to get to work.

Insurance companies takes your annual mileage into consideration when calculating your rates, however it does not create a dramatic impact. Even when you chop your driving by 5,000 miles each year or even more, you may only visit a 3-4% improvement in cost.

  • Your Coverage and Deductibles

Raising your deductible is a straightforward way to reduce your payments. However, it may get costly in case you have to file claims. If you are likely to use this strategy, make certain you place some extra money away to be able to cover your deductible inside a worst situation scenario.

  • Education in Augusta, GA

The number of motorists with a high school diploma in Augusta is slightly under one-third of all residents. A smaller percentage of drivers have not yet completed their high school education.

There are several institutions for higher learning in the Augusta area. If you’re looking for a four-year degree, you might want to look into a school such as Augusta State University. There is also Augusta Technical College for those interested in specialized degrees. Moreover, Augusta is also home to the Georgia Military College.

Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider, and figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Georgia Department of Law Consumer Protection Unit

Georgia Department of Human Services Office of Financial Services

Department of Highway Safety and Motor Vehicles

Average Augusta Car Insurance Quotes – Cheapest Rates Guaranteed!

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