Cheap Auto Insurance Quotes in Augusta, GA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Augusta, GA

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

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Augusta, GA Driving Facts

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
georgia

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.

Driver's AgeAvg. Monthly Cost
teens$555
20s$329
30s$226
40s$213
50s$229
60s$204
70s$273
80s$152
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$263
Good$288
Average$259
Poor$266

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Augusta stacks up for the state of Georgia:

toyota
Toyota Camry
Most Popular Car in
Augusta, GA
suspended licenses
#34
Cities with Most
Suspended Licenses Rank
Most Patriotic City

Most Patriotic City

Augusta

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Hinesville won Insurify's Most Patriotic Cities Award for the state of Georgia. The city is located close to the Fort Stewart U.S. Army post. Both communities are situated in the aptly named Liberty County.


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.