Cheap Auto Insurance Quotes in Augusta, GA (2021)

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Tickets for the Masters Golf Tournament in Augusta are some of the hardest to come by, second only to the Super Bowl. But it shouldn’t be as hard as that for anyone to get good car insurance.

Golfers would kill to have the kind of control over the ball that their favorite pros do—and there’s nowhere better to compare golf swings than on TV during this tournament. But we all have control over getting the best auto insurance policy rates—you just have to know where to look.

Car Insurance in Augusta, GA

The average cost of Georgia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Augusta, GA to find you the cheapest quotes in the area.

$110
$132
$184
$188
$198
ProgressiveTravelersAmerican FamilyThe GeneralNationwide

Cheapest Car Insurance in Augusta

Here are the cheapest carriers in Augusta for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Augusta, GA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Augusta. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$205
$253
$176
$207
$204
$185
GeorgiaAtlantaColumbusSavannahRoswellAugusta

Click here to learn about car insurance quotes and save on your current policy.

Augusta, GA Driving Facts

georgia

Minimum Car Insurance Requirements in GA

Within the first month that a hands-free driving law was put into effect, car accidents in Georgia dropped by roughly 27%.

Georgia's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Augusta Car Insurance Rates by Driver Age

As demonstrated by the table below, age has everything to do with car insurance rates in Augusta. Premiums for Augusta teen drivers average out to $554, more than twice as much as the average cost for drivers in their 30s. Drivers experience a rate increase when they hit their 70s—from an average of $203 per month in premiums in their 60s to $272. That’s an increase of over 30 percent! Why? Older and younger drivers represent more risk, statistically speaking.

Driving History
No Violation$253
Speeding Ticket$335
At-Fault Accident$288
Failure to Stop for Red Light / Stop Sign$328

Augusta Car Insurance Rates by Driving and Accident History

In Augusta, it pays to keep a clean driving record. Why? Insurance companies use your driving record to help determine your level of risk. The more risk you represent, the higher your monthly insurance premiums. Responsible drivers signal low risk in Augusta and pay the least on average for auto insurance at $252 per month. However, if found at fault for an accident or caught speeding, Augusta motorists will pay an average of $287 and $334 per month, respectively, to insure their rides.

Augusta Car Insurance Rates by Credit Tier

Your reputation is everything when it comes to getting good car insurance rates in Augusta. But what do insurance companies use to determine reputation? Besides examining your driver record to determine risk, underwriters also use your credit score to inform their calculations. For this reason, if you aren’t already monitoring your credit score, you should. Many activities can positively influence your credit score, but paying your bills on time is at the top of the list. Augusta drivers with an excellent credit score can expect to pay $262 per month on average for their car insurance.

Augusta, GA DMV Information

In Augusta, you can use online services or the DDS 2 GO Mobile App to manage anything having to do with your driver’s license. As far as titling and tags are concerned, residents must do business either online or in person with a County Tag Office. Non-resident military members stationed at Ft. Gordon have to renew registration in person, however. There are two tag offices serving Augusta residents. Don’t feel like leaving home? Check out Georgia Drives e-services for some easily accessible online options for renewing your vehicle registration, paying insurance fines, applying for a tag, or even getting the opportunity to receive tag expiration notices by email. If you can’t remember when your registration is due, remember this: Georgia law requires that all auto tags be renewed within 30 days before the owner’s birth date.

Public Transportation in Augusta, GA

Most people drive in and around Augusta, but if you want to take a break from the road for a little while or find yourself needing services, Augusta Public Transit provides comprehensive public transportation services throughout Richmond County. These include the fixed route bus service that operates nine fixed routes, access to ADA (paratransit) services, and the Richmond Rural Transit service. Car rental and limited taxi service is of course available in Augusta as well as rideshare options like Uber. Students might be pleased to know that a fledgling bikeshare program called JagRide is now open across Augusta University’s three campuses.

Conclusion: How to get the best and cheapest car insurance in Augusta, GA

For anyone aspiring to actually play in the nation’s biggest golf tournament, practice makes perfect. For people who can’t even hit the ball straight, getting there is going to be a little difficult. With Insurify, you have a straight shot to hundreds of regional and national insurance carriers—and their rates—in seconds.

If you are one of the lucky ones who get tickets to the Masters Tournament, it’s a memory that lasts a lifetime. But don’t hold on to your insurance that long—rates change and so do you. Insurify can help you find the best rate for the new you now.

Find local Augusta agents

Insurance Services of Augusta
5 George C Wilson Ct, Augusta, GA 30909
Dawson, Taylor & Company
3510 Wheeler Rd, Augusta, GA 30909
Blanchard & Calhoun Insurance Agency, Inc.
245 Davis Road, Augusta, GA 30907
Whit Blanchard Insurance Group
1901 Walton Way, Augusta, GA 30904
Meybohm-Sarborough Insurance, LLC dba/MAI Risk Advisors
3512 Wheeler Rd, Augusta, GA 30909-1824
Affordable Insurance Agency, Inc.
1557 Gordon Hwy, Augusta, GA 30906
Capps Insurance Agency
1254 Broad St, Augusta, GA 30901-1116
First Choice Insurance and Financial Services
2506 Peach Orchard Rd, Augusta, GA 30906
The Insurance Center
P.O. Box 416, Augusta, GA 30903
A-Affiliated Insurance Agency
3405 Washington Rd, Augusta, GA 30907

Insurify Insights: How Augusta Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Augusta, GA
suspended licenses
#33
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Augusta drivers measure up to their fellow Georgia motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Augusta

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Augusta drivers rank 80 in the number of car accidents per driver across all cities in Georgia.

  • Rank within state: #80
  • Percent of drivers in Augusta with an accident: 11.14%
  • Drivers in Augusta, GA with an accident in their driving history paid on average 38.36% more than drivers with a clean record

Speeding Augusta

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Augusta drivers rank 26 in the number of speeding infractions per driver.

  • Rank within state: #26
  • Percent of drivers in Augusta with a speeding ticket: 12.14%
  • Drivers in Augusta, GA with a speeding ticket in their driving history paid on average 36.07% more than drivers with a clean record

DUI/DWIs Augusta

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Augusta drivers rank 84 in the number of DUI’s per driver across all cities in Georgia.

  • Rank within state: #84
  • Percent of drivers in Augusta with a DUI: 1.1%
  • Drivers in Augusta, GA with a DUI in their driving history paid on average 21.46% more than drivers with a clean record

Most Popular Vehicle Augusta

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Augusta is the Honda Accord.

Rude Augusta

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Georgia, Augusta drivers rank 68 in rude driving infractions.

  • Rank within state: #68
  • Percent of drivers in Augusta with a reckless driving violation: 2.73%
  • Drivers in Augusta, GA with a reckless driving violation in their driving history paid on average 54.79% more than drivers with a clean record.

Safest Drivers Augusta

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Augusta drivers rank 33 in clean driving records across all cities in Georgia.

  • Rank within state: #33
  • Percent of drivers in Augusta with clean record: 78.16%

Failure to Yield the Right of Way Augusta

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Augusta drivers rank 47 in failure to yield violations per driver across all cities in Georgia.

  • Rank within state: #47
  • Percent of drivers in Augusta with a failure to yield violation: 0.89%
  • Drivers in Augusta, GA with a failure to yield violation in their driving history paid on average 3000% more than drivers with a clean record

Reckless Drivers Augusta

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Georgia, Augusta drivers rank 33 in the number of reckless driving offenses per driver.

  • Rank within state: #33
  • Percent of drivers in Augusta with a reckless driving offense: 0.13%

Hybrid/Electric Vehicle Ownership Augusta

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Augusta drivers rank 25 in hybrid and electric vehicle ownership across all cities in Georgia.

  • Rank within state: #25
  • Percent of drivers in Augusta with a hybrid/electric vehicle: 1.03%

FAQs - Augusta, GA Car Insurance

I just got new insurance. How do I update my records with the county?

It’s the responsibility of your insurance company to communicate your insurance record to the Georgia motor vehicle database. They do this by submitting the information electronically to the Georgia Electronic Insurance Compliance System (GEICS). If you are unsure whether this has been done, call your insurance agent or check your insurance status online.

Does Georgia have a hands-free law?

Georgia's Hands-Free Law took effect July 1, 2018. There are many specifics that go along with this law, but in short, drivers cannot have a phone in their hand or touching any part of their body while talking on their phone while driving. If you disobey this law, you could be in for some pretty hefty fines and—more urgently—points on your record, which will increase your insurance rates. The fine for a first conviction is $50 and one point assessed against your driver's license. Make the mistake twice and the fine is $100 and two points against your record. Three or more convictions for breaking Georgia’s Hands-Free Law will cost you $150 and three points on your driving record.

Is emissions testing required in Augusta?

No. Vehicle emissions testing is required, however, in the 13 metro Atlanta counties in Georgia (Cherokee, Clayton, Cobb, Coweta, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Henry, Paulding, and Rockdale) in order for motorists to complete their vehicle registration. If you live in one of these counties (Augusta is in Richmond County), then for vehicles 25 years or older, emissions testing is required every year.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.