Augusta, GA Auto Insurance (2024)
The average Augusta, GA auto insurance rates are $391 per month. The minimum auto insurance in Augusta is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Augusta, Georgia, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 21, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Augusta for teen drivers is Liberty Mutual
- The minimum auto insurance required in Augusta, Georgia is 25/50/25
- Average auto insurance rates in Augusta, GA for senior drivers are $2,585 per year
Augusta, Georgia auto insurance requirements are 25/50/25 according to Georgia auto insurance laws. Finding cheap auto insurance in Augusta can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Augusta, Georgia, including driving record, credit, commute time, and more.
Compare auto insurance in Augusta to other Georgia cities, including Sandy Springs auto insurance rates, Warner Robins auto insurance rates, and Roswell auto insurance rates to see how Augusta, Georgia auto insurance rates stack up.
Before you buy Augusta, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Augusta, Georgia auto insurance quotes.
Minimum Auto Insurance in Augusta, Georgia
Augusta, Georgia auto insurance laws require that you have at least the Georgia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Augusta, Georgia.
Liability Insurance Required | Minimum Coverage Limits Required |
---|---|
Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
Property Damage Liability Coverage | $25,000 minimum |
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Cheap Augusta, Georgia Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Augusta, Georgia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
---|---|---|---|---|---|---|---|---|
Allstate | $2,927 | $2,927 | $2,800 | $2,800 | $6,769 | $8,714 | $3,272 | $3,572 |
Geico | $1,594 | $1,578 | $1,549 | $1,549 | $4,859 | $5,822 | $2,073 | $2,304 |
Liberty Mutual | $5,318 | $5,788 | $4,351 | $4,944 | $22,963 | $25,648 | $5,628 | $5,977 |
Nationwide | $3,071 | $3,175 | $3,051 | $3,349 | $9,394 | $12,069 | $3,731 | $4,042 |
Progressive | $2,629 | $2,410 | $2,266 | $2,388 | $8,504 | $9,413 | $3,041 | $3,180 |
State Farm | $2,218 | $2,218 | $1,995 | $1,995 | $5,988 | $7,871 | $2,438 | $2,634 |
USAA | $1,691 | $1,688 | $1,577 | $1,580 | $6,093 | $7,202 | $2,104 | $2,321 |
Cheap Augusta, Georgia Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Augusta, Georgia is a challenge. Take a look at the annual teen auto insurance rates in Augusta, Georgia.
Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
---|---|---|
Allstate | $6,769 | $8,714 |
Geico | $4,859 | $5,822 |
Liberty Mutual | $22,963 | $25,648 |
Nationwide | $9,394 | $12,069 |
Progressive | $8,504 | $9,413 |
State Farm | $5,988 | $7,871 |
USAA | $6,093 | $7,202 |
Cheap Augusta, Georgia Auto Insurance for Seniors
What are senior auto insurance rates in Augusta, Georgia? Take a look at the annual average rates for older drivers.
Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
---|---|---|
Allstate | $2,800 | $2,800 |
Geico | $1,549 | $1,549 |
Liberty Mutual | $4,351 | $4,944 |
Nationwide | $3,051 | $3,349 |
Progressive | $2,266 | $2,388 |
State Farm | $1,995 | $1,995 |
USAA | $1,577 | $1,580 |
Cheap Augusta, Georgia Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Augusta, Georgia compared to the annual auto insurance rates with a clean record in Augusta, Georgia.
Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
---|---|---|---|---|
Allstate | $3,489 | $5,371 | $4,364 | $3,667 |
Geico | $1,800 | $2,251 | $4,596 | $2,018 |
Liberty Mutual | $7,653 | $10,459 | $12,015 | $10,182 |
Nationwide | $4,046 | $4,741 | $7,262 | $4,893 |
Progressive | $3,293 | $5,875 | $3,911 | $3,836 |
State Farm | $3,110 | $3,729 | $3,420 | $3,420 |
USAA | $2,323 | $2,941 | $4,273 | $2,591 |
Cheap Augusta, Georgia Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Augusta, Georgia is not easy. Compare the annual rates for DUI auto insurance in Augusta, Georgia to find the best deal.
Insurance Company | Annual Auto Insurance Rates With a DUI |
---|---|
Allstate | $4,364 |
Geico | $4,596 |
Liberty Mutual | $12,015 |
Nationwide | $7,262 |
Progressive | $3,911 |
State Farm | $3,420 |
USAA | $4,273 |
Cheap Augusta, Georgia Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Augusta, Georgia annual auto insurance rates by credit history compare.
Insurance Company | Poor | Fair | Good |
---|---|---|---|
Allstate | $5,473 | $3,802 | $3,393 |
Geico | $3,353 | $2,357 | $2,288 |
Liberty Mutual | $14,419 | $8,865 | $6,948 |
Nationwide | $6,207 | $5,057 | $4,442 |
Progressive | $4,743 | $4,121 | $3,824 |
State Farm | $4,850 | $3,018 | $2,390 |
USAA | $3,940 | $2,780 | $2,376 |
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Cheap Augusta, Georgia Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Augusta, Georgia can vary. Compare the annual cost of auto insurance by ZIP code in Augusta, Georgia to see how car insurance rates are affected by location.
ZIP Code | Average Annual Rates |
---|---|
30805 | $4,608 |
30815 | $4,624 |
30901 | $4,543 |
30904 | $4,529 |
30905 | $4,520 |
30906 | $4,568 |
30907 | $4,420 |
30909 | $4,507 |
30912 | $4,539 |
Cheap Augusta, Georgia Auto Insurance Rates By Commute
Commute length and annual mileage affect Augusta, Georgia auto insurance. Find the cheapest annual Augusta, Georgia auto insurance by commute length.
Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
---|---|---|
Allstate | $4,127 | $4,319 |
Geico | $2,621 | $2,711 |
Liberty Mutual | $10,077 | $10,077 |
Nationwide | $5,235 | $5,235 |
Progressive | $4,229 | $4,229 |
State Farm | $3,420 | $3,420 |
USAA | $2,894 | $3,170 |
Cheap Augusta, Georgia Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Augusta, Georgia? Check out the comparison of annual Augusta, Georgia auto insurance rates by coverage level.
Insurance Company | Low | Medium | High |
---|---|---|---|
Allstate | $3,886 | $4,268 | $4,514 |
Geico | $2,477 | $2,680 | $2,841 |
Liberty Mutual | $9,644 | $10,021 | $10,566 |
Nationwide | $5,017 | $5,335 | $5,355 |
Progressive | $3,873 | $4,161 | $4,653 |
State Farm | $3,189 | $3,423 | $3,646 |
USAA | $2,893 | $3,016 | $3,187 |
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Best By Category: Cheapest Auto Insurance in Augusta, Georgia
Compare the cheapest auto insurance companies in Augusta, Georgia in each category to find the company with the best rates for your personal needs.
Category | Insurance Company |
---|---|
Teenagers | Geico |
Seniors | Geico |
Clean Record | Geico |
With 1 Accident | Geico |
With 1 DUI | State Farm |
With 1 Speeding Violation | Geico |
The Cheapest Augusta, Georgia Auto Insurance Companies
What auto insurance companies in Augusta, Georgia are the cheapest? Compare the top Augusta, Georgia auto insurance companies to find the best annual rates.
Insurance Company | Average Annual Rates |
---|---|
Allstate | $4,223 |
Geico | $2,666 |
Liberty Mutual | $10,077 |
Nationwide | $5,235 |
Progressive | $4,229 |
State Farm | $3,420 |
USAA | $3,032 |
What affects auto insurance rates in Augusta, Georgia?
There are a lot of reasons why auto insurance rates in Augusta, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Augusta, Georgia. Many local factors may affect your Augusta auto insurance rates.
Augusta Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Augusta, Georgia commute length is 21.1 minutes according to City-Data.
Augusta Traffic
How does Augusta, Georgia rank for traffic? According to Inrix Augusta, Georgia is the 513th most congested worldwide.
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Compare Augusta, Georgia Auto Insurance Quotes
Before you buy Augusta, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Augusta, Georgia auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection against physical damage or bodily injury resulting from accidents or other incidents involving your vehicle. It can also provide coverage for theft, vandalism, and medical expenses.
Is auto insurance mandatory in Augusta, GA?
Yes, auto insurance is mandatory in Augusta, GA, as it is in most states. The minimum required coverage typically includes liability insurance to cover bodily injury and property damage caused to others in an accident you are at fault for.
What are the different types of auto insurance coverage available?
The most common types of auto insurance coverage include:
- Liability coverage: Covers damages caused to others in an accident you are responsible for.
- Collision coverage: Covers damages to your vehicle caused by a collision.
- Comprehensive coverage: Covers damages to your vehicle caused by non-collision events like theft, vandalism, or natural disasters.
- Medical payments coverage: Covers medical expenses for you and your passengers in the event of an accident.
- Uninsured/underinsured motorist coverage: Covers damages caused by a driver who is uninsured or does not have sufficient insurance.
How much auto insurance coverage do I need in Augusta, GA?
The minimum required auto insurance coverage in Augusta, GA typically includes liability coverage with specific minimum limits. However, it’s often recommended to consider higher coverage limits to ensure adequate protection. The amount of coverage you need depends on various factors, including your assets, the value of your vehicle, and your risk tolerance.
Can I use my auto insurance policy to cover rental cars?
It depends on your specific policy. Some auto insurance policies provide coverage for rental cars, but others may require you to purchase additional coverage. Check with your insurance provider to understand your policy’s rental car coverage.
How can I save money on auto insurance in Augusta, GA?
Here are some tips to save money on auto insurance in Augusta, GA:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record with no accidents or traffic violations.
- Consider raising your deductible, but ensure you can afford it in case of a claim.
- Ask about available discounts, such as safe driver discounts or bundling policies.
What factors can affect my auto insurance premiums in Augusta, GA?
Several factors can influence your auto insurance premiums in Augusta, GA, including:
- Your driving record and claims history.
- The type of vehicle you drive, including its make, model, and age.
- Your age, gender, and marital status.
- Your credit history.
- The coverage limits and deductibles you choose.
Can I purchase auto insurance online in Augusta, GA?
Yes, you can purchase auto insurance online in Augusta, GA. Many insurance providers offer online platforms where you can obtain quotes, customize coverage, and purchase your policy conveniently.
What should I do if I’m involved in an auto accident in Augusta, GA?
If you’re involved in an auto accident in Augusta, GA, follow these steps:
- Check for injuries and call emergency services if necessary.
- Exchange information with the other party involved, including names, contact details, and insurance information.
- Document the accident scene by taking photos and gathering witness statements if possible.
- Notify your insurance provider about the accident and provide them with the necessary details.
- Cooperate with the claims process and provide any requested documentation or information.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.