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Cheap Auto Insurance Quotes in Augusta, GA (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
Quick Facts
- The average cost of car insurance in Augusta is $225 per month, or $2700 annually.
- Car insurance in Augusta is $22 less than the average cost of car insurance in Georgia.
- The cheapest car insurance provider in Augusta on average is Progressive, but you should always compare quotes to find your best personal rate.
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.
Quotes by Top Companies
Progressive$110
Travelers$132
American Family$184
The General$188
Nationwide$198
Cheapest Car Insurance in Augusta, GA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Augusta | Quotes |
|---|---|
| Progressive | $110 /mo |
| Travelers | $132 /mo |
| American Family | $184 /mo |
| The General | $188 /mo |
| Nationwide | $198 /mo |
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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 company reviews. The following are the top rated companies that offer car insurance in Augusta. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| American Family | 89 | $237 /mo |
| Safeco | 86 | $278 /mo |
| Liberty Mutual | 82 | $228 /mo |
| Mercury | 81 | $239 /mo |
| Travelers | 80 | $174 /mo |
See More: Best Car Insurance Companies
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.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $555 |
| 20s | $329 |
| 30s | $226 |
| 40s | $213 |
| 50s | $229 |
| 60s | $204 |
| 70s | $273 |
| 80s | $152 |
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.
| Driving History | Avg. 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 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 Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $263 |
| Good | $288 |
| Average | $259 |
| Poor | $266 |
See More: Bad Credit Car Insurance Georgia
Find local Augusta agents
Insurance Services of Augusta
5 George C Wilson Ct,
Augusta, GA 30909Dawson, Taylor & Company
3510 Wheeler Rd,
Augusta, GA 30909Blanchard & Calhoun Insurance Agency, Inc.
245 Davis Road,
Augusta, GA 30907Whit Blanchard Insurance Group
1901 Walton Way,
Augusta, GA 30904Meybohm-Sarborough Insurance, LLC dba/MAI Risk Advisors
3512 Wheeler Rd,
Augusta, GA 30909-1824Affordable Insurance Agency, Inc.
1557 Gordon Hwy,
Augusta, GA 30906Capps Insurance Agency
1254 Broad St,
Augusta, GA 30901-1116First Choice Insurance and Financial Services
2506 Peach Orchard Rd,
Augusta, GA 30906The Insurance Center
P.O. Box 416,
Augusta, GA 30903A-Affiliated Insurance Agency
3405 Washington Rd,
Augusta, GA 30907
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.
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.
FAQs - Augusta, GA Car Insurance
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. 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. 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.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Augusta Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Augusta, Georgia below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Augusta drivers measure up to their fellow motorists across Georgia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Augusta
#26
City with the Most Speeding Tickets Rank in Georgia
#62
City with the Most Moving Violations Rank in Georgia
#84
City with the Most DUIs Rank in Georgia
#36
City with the Most Suspended Licenses in Georgia
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 pay on average 38.36% more than drivers with a clean record
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 pay on average 36.07% more than drivers with a clean record
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 pay on average 21.46% more than drivers with a clean record
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.
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 pay on average 54.79% more than drivers with a clean record.
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%
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 pay on average 3000% more than drivers with a clean record
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%
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%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others