The best car insurance in Augusta, GA

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Published November 8, 2021

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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.