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How much does car insurance cost in Augusta?

Augusta has lower car insurance rates than the national average. Auto insurance in Augusta costs an average of $1524 per year. This is less expensive than the statewide average of $1650 in Georgia and the national average of $1557. Augusta auto insurance prices are calculated using averages based on age, credit score, driving history, and marital status. Continue reading to find out more!

Augusta Rates vs Georgia vs National Average

Augusta Average (annual) Georgia Average National Average
$1524 $1650 $1557

Augusta Auto Insurance Premiums By Company

The simplest method to save money on Augusta auto insurance is to compare quotes from as many companies as possible before choosing the one that offers the best deal. Georgia Farm Bureau offers the best insurance rates for the average consumer in Augusta. The finest options for cheap car insurance in Augusta are listed below. Remember to compare auto insurance quotes based on your driving history.

Insurance Company Average Rate (annual)
Georgia Farm Bureau $1119
USAA $1245
State Farm $1440
GEICO $1503
Progressive $1764

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Augusta Auto Insurance Premiums By Age Group

Drivers in their 60s pay the lowest auto insurance rates in Augusta, with an average annual premium of $1383. 

Drivers in their 20’s in Augusta pay $2112, which is $597 more than drivers in their 30’s. 

Age tier Average Yearly Rate
20’s $2112
30’s $1515
60’s $1383

Augusta Auto Insurance Premiums By Marital Status

Marital status of a driver may impact the car insurance prices they pay in some situations. For example, according to research that shows they are more prone to submit claims, single drivers pay more than married drivers in most parts of the United States.

In Augusta, married drivers pay $177 less for auto insurance than single drivers. Rates for widowed people are likewise significantly lower than for single people. Insurance premiums for widowed people in Augusta are lower than for single people.

Marital Status Average Annual Rate
Single $1530
Married $1353
Divorced $1521
Widowed $1431

Augusta Auto Insurance Premiums By Gender

Gender is also a factor in auto insurance premiums. Female drivers in Augusta pay $4 more per year for car insurance than male drivers. 

Gender Average Annual Rate
Female $1533
Male $1524

Augusta Auto Insurance Premiums By Driving Record

Maintaining a spotless driving record can help you save money on auto insurance. Auto insurance rate increases can be triggered by speeding tickets, reckless driving fines, DUIs and DWIs, and at-fault accidents.

For auto insurance, Augusta drivers who are found guilty of reckless driving pay the price, with a cost increase of $783 per year compared to the city average. A speeding ticket raises insurance rates by $393, while a DUI conviction raises premiums by $1146 per year.

Incident/Violation Average Yearly Rate
DUI/DWI $2670
Reckless Driving $2307
At-fault Accident $2361
Speeding Ticket $1917

Augusta Auto Insurance Premiums By Credit Rating

The cost of car insurance is frequently linked to one's credit score. Augusta drivers who improve their credit score from the "Very Poor" (300-579) to the "Exceptional" (800-850) grade see a 51% reduction in their car insurance costs. Likewise, if your credit score improves from "Very Poor" to "Fair," you may be eligible for a price reduction on your auto insurance. 

In Augusta, it is moving into the "Fair" credit rating, resulting in an average annual savings of $926 on insurance. 

Credit Score Average Yearly Rate
Very Poor $2661
Fair $1737
Good $1524
Very Good $1440
Exceptional $1311

Augusta Auto Insurance Premiums By Zip Code

The average cost of car insurance is also affected by your ZIP code. In Augusta, the average cost of car insurance varies by ZIP code, ranging from $1179 to $1239. 30907 is the cheapest zip code for auto insurance. Meanwhile, drivers in the 30906 zip code often pay the city's highest insurance rates. 

ZIP code Annual car insurance rates
30907 $1179
30909 $1203
30906 $1239
30805 $1680
30815 $1689
30901 $1683
30904 $1659
30905 $1668
30912 $1665

What would increase your Car Insurance Rate in Augusta?

Even though they aren't as pricey as some other states, Augusta's car insurance rates are higher than the national average. The city's dangerous and congested streets, lack of premium regulation, high healthcare costs, expensive maintenance, and a relatively high number of uninsured drivers are all reasons why auto insurance is so expensive in Augusta. 

  • The more hazardous the highways, the higher the car insurance prices. More claims are paid out due to more deadly accidents and traffic. To make up for the high volume of claims,car insurance companies often raise rates for all drivers in the area, even if you haven't filed a claim.
  • In most jurisdictions, insurers must seek permission from the state insurance commissioner before raising car insurance rates, but this is not the case in Augusta.
  • Augusta residents face higher auto and health insurance premiums due to some of the highest healthcare prices in the country. Higher healthcare expenses imply the auto insurance company pays more for claims when someone is treated for an injury caused by a car accident.
  • Insurance companies, like healthcare providers, pass on excessive auto repair expenses to policyholders to recuperate the cost of insuring Georgia drivers. But, depending on the accident, a single claim could cover many calls, raising costs even higher.
  • In Augusta, 12% of drivers are uninsured, lower than in other states. For example, if an uninsured driver hits you, your uninsured motorist coverage will cover your injuries and the damage to your car.
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Auto theft statistics in Augusta

During a typical year, the rate of auto theft in the Augusta metro area is 1.95 per 1,000 residents. Therefore, the northwest region of the Augusta metro area is generally considered the safest for this type of crime by residents. 

In the Augusta metro region, your chances of being a victim of vehicle theft can range from 1 in 331 in northeast neighborhoods to 1 in 1,042 in northwest neighborhoods. 

Accidents Statistics in Augusta

In Augusta, Georgia, traffic accidents are common.

According to the Georgia Department of Transportation Crash Data Portal, there were 18029 car crashes. Fifty-six people died due to these accidents, while 6,934 injuries were reported. 

Be Prepared for Driving in Augusta

New drivers in Augusta should be wary of the city's icy roads. These icy roads have resulted in several accidents and cars sliding off the road. 

In Augusta, black ice on the roads is a common occurrence. As a result of the melting snow, ice forms on the roads, making travel dangerous. 

You can take numerous actions to ensure you are prepared for the ice roads. They are: 

  • Driving below the speed limit and not too closely following the person in front of you, according to experts, is a good idea.
  • If you must go out, provide extra time and drive at a slower, safer speed. It is best to avoid unnecessary travel during winter storms by staying off the roads.
  • Fluids, batteries, and tires should all be inspected. In case of delays, make sure your phone is charged, and you have extra blankets and snacks. Only call 911 if your life is in danger.
  • Make sure your windows are defrosted, and ice is scraped off before you get behind the wheel. Use cold water instead of hot if you don't have an ice-scraper. Your window will be damaged as a result of this. Make a scraper out of a credit card instead.
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Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

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