Cheap Car Insurance Augusta GA: A Complete Analysis

Augusta, Georgia stands as one of the state’s most extensive metropolitan regions.

The typical expense for comprehensive car insurance in Augusta is $1,575, slightly below the statewide average in Georgia, which is $1,625.

To discover the most budget-friendly coverage, it’s advisable to assess policy choices across various insurance companies.

Policygenius can assist you in comparing quotes from leading providers, enabling you to select the coverage that suits your needs.

Important points to note:

  • Auto-Owners Insurance provides the most economical average rates in Augusta, averaging at $1,024 annually.
  • The most cost-effective ZIP code for insurance rates in Augusta is 30909.
  • Texas mandates minimum coverage of $25,000 per person/$50,000 per accident for bodily injury liability and $25,000 for property damage liability.

A thorough methodology backs our rates, and here’s why you can rely on them:

Policygenius conducted a comprehensive analysis of car insurance rates, utilizing data from Quadrant Information Services across all 50 states and Washington, D.C., for every ZIP code.

An infographic for The evaluation focused on full coverage policies
An infographic for The evaluation focused on full coverage policies

The evaluation focused on full coverage policies, applying the following coverage limits:

  • Bodily injury liability: 50/100
  • Property damage liability: $50,000
  • Uninsured/underinsured motorist: 50/100
  • Comprehensive: $500 deductible
  • Collision: $500 deductible

We incorporated additional coverages where state or insurer mandates required.

We determined the rates based on averages for single drivers aged 30, 35, and 45, using a 2017 Toyota Camry LE driven 10,000 miles per year.

The analysis considered overall average rates, rates by ZIP code, and the most affordable companies.

For rates related to driving violations and “Poor” credit, the analysis considered average rates for a single male driver aged 30 with a credit score below 578.

It’s important to note that affiliates or subsidiaries may represent certain carriers, and the provided rates are a sample. Your actual quotes may vary.

Cheapest Car Insurance Companies in Augusta, GA

Car insurance companies utilize various factors such as age, driving history, vehicle type, and credit score to determine insurance rates.

However, each company employs a unique calculation system, leading to different quotes for a single driver from different companies.

Company Average Cost JD Power Rating
Auto-Owners Insurance $1,024 865
USAA $1,069 890
Central Insurance $1,288
GEICO $1,320 874
COUNTRY Financial $1,348


Cheapest Car Insurance Rates by ZIP Code in Augusta, GA

Local factors like crime rates, traffic incidents, and parking options influence insurance rates. Therefore, the neighborhood you reside in is a crucial factor in determining car insurance costs.

ZIP Code Average Cost
30909 $1,556
30904 $1,557
30912 $1,570
30905 $1,578
30906 $1,579
30805 $1,583
30901 $1,584
30815 $1,596


Choosing the Right Car Insurance Company in Augusta, GA

While cost and coverage options are essential, factors like discount options and customer service ratings should also be considered when selecting a policy.

If you’re ready to start shopping, Policygenius can help you compare quotes from top providers in your area and choose the policy that suits you.

Car Insurance Rates for Drivers with Driving Violations in Augusta, GA

A driver’s record, including violations such as DUI/DWI, improper passing, or failure to stop at a red light, impacts car insurance rates.

Violation Auto-Owners Insurance USAA Central Insurance GEICO COUNTRY Financial
At-fault accident $1,363 $1,604 $2,038 $2,092 $1,886
DUI $1,922 $2,239 $2,857 $4,131 $2,308
Suspended license $1,922 $2,123 $2,857 $2,558 $2,308
Open container $1,014 $1,645 $2,857 $1,361 $1,952
Expired registration $1,014 $1,389 $1,664 $1,361 $1,952
Driving without lights $1,014 $1,389 $1,758 $1,361 $1,952
Running a red light $1,014 $1,389 $1,758 $1,361 $1,952
Following too closely $1,014 $1,389 $1,758 $1,361 $1,952
Hit and run $1,922 $2,356 $2,857 $4,131 $2,308
Not-at-fault accident $1,014 $1,126 $1,379 $1,208 $1,484
Passing a school bus $1,123 $1,645 $1,758 $2,558 $1,952
Reckless driving $1,922 $1,645 $2,857 $2,558 $2,308
Speeding $1,305 $1,389 $1,758 $2,558 $1,952


Cheapest Car Insurance for Drivers with a DUI in Augusta, GA

Company Rates for Drivers with DUIs
Auto-Owners Insurance $1,922
USAA $2,239
COUNTRY Financial $2,308
Central Insurance $2,857
GEICO $4,131


Cheapest Car Insurance for Drivers with a Speeding Ticket in Augusta, GA

Company Rates for Drivers with Speeding Tickets
Auto-Owners Insurance $1,305
USAA $1,389
Central Insurance $1,758
COUNTRY Financial $1,952
GEICO $2,558


Cheapest Car Insurance for Drivers with Bad Credit in Augusta, GA

Credit scores play a role in calculating car insurance rates, and drivers with poor credit often face higher costs.

However, some companies are more lenient towards a low credit score.

Company Rates for Drivers with Bad Credit
GEICO $1,625
Nationwide $1,943
USAA $2,017
COUNTRY Financial $2,127
Allstate $2,242


Buying Car Insurance in Augusta, GA

Georgia mandates drivers to carry at least $25,000 per person and $50,000 per accident in bodily liability coverage, along with a minimum of $25,000 in property damage liability coverage.

Georgia operates as an at-fault state, meaning the insurance company of the responsible driver covers the victims’ injuries and damages after an accident.

How to Get Cheap Car Insurance in Augusta, GA

If you find your insurance rates too high, consider these strategies to lower costs:

  • Inquire about discounts: Many insurers offer discounts for safe drivers, good students, and those going paperless or paying premiums in full.
  • Improve your credit score: Taking steps to enhance your credit score, such as paying down debt and timely payments, can result in lower rates.
  • Increase your deductible: Raising deductibles for comprehensive and collision coverage can significantly reduce rates.
  • Shop around: Compare quotes from multiple carriers before settling on a policy, and reassess yearly to ensure you’re getting the best rates.

Also read; Cheap Car Insurance Huntsville AL

Frequently Asked Questions

  1. Which ZIP Code Has the Highest Costs?

    The most expensive ZIP code for a full coverage policy in Augusta is 30815, with an annual cost of $1,596.

  2. Is Car Insurance Costly in Georgia?

    While car insurance rates in Georgia are slightly below the national average, drivers can still find savings by comparing quotes from multiple companies.

  3. Is Georgia an At-Fault or No-Fault State?

    Georgia operates as an at-fault state. This means that the driver responsible for an accident is financially liable for all bodily injury and property damage costs resulting from that incident. If at fault and lacking sufficient liability insurance, additional costs must be covered out of pocket.

  4. What is the Monthly Cost of Car Insurance in Georgia?

    On average, drivers in Georgia pay $1,625 annually for car insurance, equivalent to a monthly cost of $135

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