According to Bankrate’s 2021 Rated Annual Premium Study, the average auto insurance rate for drivers in Augusta is $758 per year for basic coverage and $1,908 per year for full coverage. This makes auto insurance higher than the national average cost of auto insurance, which is $565 and $1,674 per year, respectively.
If you are one of 198,000 inhabitants who call The Garden City home, our exclusive Bankrate methodology can help you find and enjoy the best Texas auto insurance for your area. Based on critical factors such as coverage options, price, discounts, and third-party reviews, this is the best cheap car insurance in Augusta for 2022.
Best Auto Insurance Companies in Augusta
The following insurance companies ranked at the top of our list of best cheap car insurance in Augusta based on JD Power 2021 car insurance satisfaction survey and average annual premium costs for minimum and full coverage and financial stability.
|insurance company||JD Power Score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||871 / 100||$464||$1,443|
|USAA||890 / 100||$511||$1,362|
|state farm||881 / 100||$520||$1,326|
|car owners||890 / 100||$562||$1,454|
Geico offers Augusta residents a wide variety of policy options, such as emergency roadside assistance, car rental reimbursement, and a mechanical breakdown option — which is like adding coverage. extended automobile. There are also plenty of discounts available, from club memberships to savings on defensive driving lessons. Augustinians pay an average of $464 per year for a basic policy, but the full-coverage option costs an average of $1,443 per year.
Learn more: Geico Insurance Review
USAA is a solid option for service members, active and veterans, and their families. The supplier typically earns high customer satisfaction scores from consumer research firms such as JD Power, although due to its limited availability it is not considered eligible for ranking. However, the USAA continually offers a large number of policy options, many of them catering to the specific needs of military men and women. For example, your insurance rate may be reduced if you are deployed for several months and do not use your vehicle. The Fort Gordon Army Base is a big part of the Augusta community and economy, and the USAA provides significant political benefits to area military families.
Learn more: USAA Insurance Review
State Farm offers low rates for Augustinians looking for full-coverage policies, averaging $1,326 in annual premiums. In addition to competitive rates, State Farm offers several ways to customize your policy, including car rental reimbursement, roadside assistance, and ride-sharing coverage. Once you have chosen from the many options available, you are likely to find the number of discounts be equally impressive.
Policyholders can save in a variety of ways, including defensive driving lessons, safe driver records, and great student discounts — perfect for the large number of college students and medical students located in the Augusta area.
Learn more: State Farm Insurance Review
AAuto-Owners is a regional carrier, operating in 26 states, with outstanding customer service ratings on JD Power’s 2021 study. Auto-Owners also has a strong financial rating indicated by AM Best’s A++ (Superior) rating. The large number of policy options, such as gap coverage and roadside assistance, makes it easier for Augustans to find the coverage they need. This is in addition to the multiple discounts offered, such as multi-car, multi-policy and a paid-in-full discount for paying premiums at once.
Learn more: Automobile Owners Insurance Review
Cheapest auto insurance in Augusta
Car insurance rates in Georgia average about $756 per year for minimum coverage, while a full policy costs an average of $1,982 per year. Auto insurance in Augusta is higher for minimum coverage — at $758 per year — but the annual average of $1,908 for full coverage is cheaper than many Georgians pay. Nationally, Augustinians pay more than the national average for minimum coverage, which is $565 per year, and full coverage at $1,674 per year.
Auto insurance quotes in Augusta reveal that there are several carriers offering competitive rates for minimal coverage, as well as some of the cheapest auto insurance quotes in Augusta. Geico, USAA, State Farm, and Nationwide are all national carriers with multiple coverage options. Each insurer offers several basic coverage options or add-on options to customize your policy. As another bonus, each of these companies offers a wide variety of discounts, such as multi-policy and multi-vehicle, in addition to below-average costs for annual premiums.
Auto-Owners offers many of the benefits of national carriers, but with more localized service. Auto-Owners not only has the same competitive rates as Nationwide and State Farm, but also receives some of the highest customer satisfaction ratings in the Southeast.
|insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|At national scale||$562||$1,146|
Augusta Insurance Requirements
The state of Georgia has minimum insurance requirements that all Augusta drivers must follow, including:
- Civil liability for bodily injury: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
However, choosing to purchase only the minimum coverage could put you at financial risk. If you choose to only assume liability for $50,000 per accident and you are involved in a multi-car accident with multiple injuries, the $50,000 may not cover everyone’s medical expenses. The best way to avoid paying out of pocket is to purchase solid liability insurance if possible. Georgia’s cheapest car insurance can also help.
Auto Insurance Discounts in Augusta
Another way to get the best coverage and rates for cheap car insurance in Augusta is to take advantage of the best car insurance discounts, such as these:
- Defensive Driver Discount: The State of Georgia allows defensive driving discounts. To qualify for this premium reduction, make sure your insurer provides a list of approved defensive driving courses, as not all classes are eligible.
- Policy grouping: Take advantage of having more than one policy with a carrier to get a bundle discount. Ask how buying your renter/condo/landlord insurance from the carrier can save you money on your car insurance.
- Discounts for safe drivers: Many carriers, national and local, offer discounts to those who remain accident-free for a certain number of years. For example, Nationwide offers a discount for safe drivers. Plus, if you sign up for the SmartRide app, you get an additional 10% discount on your premiums.
- Good student: This is another example of how it pays to have good grades. Most carriers offer a discount if you maintain good grades in school.
Frequently Asked Questions
What is the best car insurance company?
There are many factors to consider when choosing the best car insurance company. From financial stability and carrier customer service ratings to competitive pricing, Bankrate looked at these categories and more, and found several companies that had a Bankrate score of 4.5 and above.
It’s important to keep in mind that choosing the right company for you will depend on your specific coverage needs. For example, USAA ranked #1 on Bankrate’s list of top auto insurance companies, but if you’re unable to get coverage through its policies due to eligibility restrictions USAA, so Geico and State Farm both rank high. You can shop around and compare car insurance quotes and coverage options to further narrow down your choice.
How much auto insurance do I need in Augusta?
It is important to review your financial situation to determine the full amount of insurance you need. If you finance or lease your car, the lender will most likely require you to add comprehensive coverage and collision coverage to your policy.
Since Georgia is a liability state, you may also consider adding additional liability coverage (above the minimum required) and medical payment coverage. Consult with a licensed agent to determine the best coverages for your needs.
What is comprehensive auto insurance?
Comprehensive auto insurance protects you from more than minimum liability coverage. The average full-coverage auto insurance policy also includes other types of auto insurance coverage, such as collision, comprehensive, underinsured motorist, uninsured motorist, and personal injury protection (PIP) coverage.
How to find cheap car insurance?
To save the most money on your car insurance, consider other ways to save. In addition to choosing the cheapest carriers for your policy, also consider available discounts that may apply to your policy. You can also reduce the price of your premium by improving your credit score, being a safe driver and choosing a higher deductible.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record, good credit and the following complete information coverage limits:
- Civil liability of $100,000 in bodily injury per person
- Civil liability of $300,000 in bodily injury per accident
- Civil liability of $50,000 in property damage per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 aggregate deductible
To determine minimum coverage limits, Bankrate has used minimum coverages that meet each state’s requirements. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles a year.
These are sampling rates and should only be used for comparison purposes.