The best car insurance in Augusta, GA
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how we make money.Augusta, Georgia is one of the largest metropolitan areas in the state. The average cost of full coverage car insurance in Augusta is $1,908, a little higher than the Georgia state average, which comes in at $1,710.
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The best way to find the most affordable coverage is to compare policy options from a number of insurance companies. Policygenius can help you see quotes from top providers and choose the coverage that's right for you.
Key Takeaways
Auto-Owners Insurance offers the lowest average rates in Augusta at $858 per year.
The cheapest Augusta ZIP code for insurance rates is 30904.
The minimum requirements for Texas are $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 in property damage liability.
Cheapest car insurance companies in Augusta, GA
Car insurance companies all use factors like your age, driving history, vehicle type, and even credit score to determine car insurance rates. But each company uses a unique calculation system, so a single driver can get two very different quotes from two different companies.
Company
Average cost
JD Power Rating
Auto-Owners Insurance
$858
890
USAA
$1,055
890
GEICO
$1,231
871
State Farm
$1,386
881
Nationwide
$1,389
876
Cheapest car insurance rates by ZIP code in Augusta, GA
Car insurance companies consider local factors like crime rates, traffic incidents, and parking options to determine insurance rates. That’s why the neighborhood you live in is one of the most important factors when it comes to car insurance costs.
The table below displays the average cost of car insurance in some of the ZIP codes in Augusta.
ZIP code
Average cost
30805
$1,668
30815
$1,678
30901
$1,669
30904
$1,645
30905
$1,659
30906
$1,656
30909
$1,648
30912
$1,657
Choosing the right car insurance company in Augusta, GA
Overall cost and coverage options are often the most important factors when people are shopping for car insurance. But it's also important to consider things other than just cost and coverage, you should look at discount options and customer service ratings before you pick a policy.
If you're ready to start shopping, Policygenius can help you see quotes from top providers in your area and choose the policy that's right for you.
Car insurance rates for drivers with driving violations in Augusta, GA
Driving record is also a factor when determining car insurance rates. Things like a DUI/DWI, improper passing, even failure to stop at a red light can negatively impact a driver's car insurance rates.
Violation
Auto-Owners Insurance
USAA
GEICO
State Farm
Nationwide
At-fault Accident
$1,127
$1,581
$1,967
$1,659
$2,458
DUI
$1,569
$2,217
$3,910
$1,530
$3,021
Driving with a suspended license
$1,569
$2,101
$2,415
$1,530
$3,021
Driving with an open container
$1,569
$1,626
$1,270
$1,530
$3,021
Driving with expired registration
$851
$1,373
$1,270
$1,530
$1,734
Driving without Lights
$851
$1,373
$1,270
$1,530
$1,734
Failure to show documents
$851
$1,373
$1,270
$1,530
$1,734
Failure to stop at a red light
$851
$1,373
$1,270
$1,530
$1,734
Cheapest car insurance for drivers with bad credit in Augusta, GA
Credit scores are also used to help calculate car insurance rates. Drivers with poor credit will generally pay more for coverage — but some companies are more forgiving of a low credit score than others.
Company
Rates for drivers with bad credit
GEICO
$1,517
Nationwide
$1,950
USAA
$1,986
Auto-Owners Insurance
$2,190
Safeway Insurance
$2,366
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Buying car insurance in Augusta, GA
Drivers in Georgia are required to have at least $25,000 per person and $50,000 per accident in bodily liability coverage. Georgia drivers are also required to carry a minimum of $25,000 in property damage liability coverage.
It's also important to know that Georgia is an at fault state. That means that after an accident, the insurance company of the responsible driver has to cover the victims’ injuries and damage.
How to get cheap car insurance in Augusta, GA
If your insurance rates seem too high, then consider some of these go-to ways to help lower rates and find cheap car insurance.
Ask about discounts: Many insurance companies offer discounts for qualifying customers, like savings for safe drivers, good students and for going paperless or paying your premium in full
Improve your credit score: Take steps to improve low credit scores, like paying down debt and making all payments on time
Increase your deductible: Raising your insurance deductibles for comp and collision can significantly lower your rates.
Shop around: Compare quotes from multiple carriers before you settle on a policy, and reshop yearly to make sure you’re still getting the best rates
Frequently asked questions
Who has the lowest car insurance rates in Kansas City?
USAA has the lowest insurance rates in the city, according to our analysis, at an average cost of $746 per year for full coverage.
Which ZIP code is the most expensive?
When it comes to average car insurance rates, 30815 is the most expensive ZIP code in Augusta for a full coverage policy.
What kind of driving violations have the biggest impact on car insurance rates?
Violations that involve alcohol or other substances often have the biggest impact on insurance rates. Reports that include DUI/DWI and driving with an open container are some of the most costly driving violations to have on your MVR.
Can gender affect my insurance rates?
In most states, gender can be used as one of many determining factors used to calculate car insurance rates. In all states, however, gender cannot be the only factor used or be the reason someone is denied car insurance.
What is considered a bad credit score?
Credit scores are on a scale that ranges from 300 to 850. A credit score is considered fair when it’s between 601 and 660. Poor credit is usually anywhere between 500 and 600. Credit scores lower than 500 are considered very poor.
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Laura Gunn
Freelance contributor