Average car insurance cost in Augusta, GA

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The average car insurance cost in Augusta, Georgia is $1,933 per year, according to Insure.com data. This is $37 less than the average auto insurance cost in Georgia and $38 more than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Augusta, the average car insurance rates by age, gender and how much is car insurance in Augusta based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Augusta. Read on to learn more.

Cheap car insurance companies in Augusta

Auto-Owners offers the most affordable car insurance in Augusta for coverage limits of 100/300/100 at $1,457 per year.

The Progressive comes close second offering car insurance at $1,598 per year.

As mentioned previously, car insurance quotes differ amongst companies due to the factors they consider when determining rates. Hence, it’s advisable to obtain quotes from multiple insurers to find affordable car insurance rates in Augusta that align with your needs before finalizing your insurance carrier.

Here are the average annual and monthly costs for the various car insurance companies providing coverage in Augusta, Georgia:

Read about the best car insurance companies.

Average car insurance cost in Augusta by coverage limits

The average car insurance rates in Augusta by coverage type are as follows:

• State minimum coverage: $646 per year (limits of 25/50/25)
• Liability-only coverage: $839 per year (limits of 50/100/50)
• Full coverage: $1,933 per year (limits of 100/300/100)
• Non-owners coverage: $338 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Augusta

The average car insurance per year for female drivers in Augusta, Georgia, is $1,938.

Whereas the yearly average car insurance rate for male drivers is $1,928, which is $10 less than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Augusta

Car insurance rates in Augusta, are highest for teens at $6,468 per year or $539 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $3,329 annually for their car insurance, which is $3,139 less than what teens pay for their insurance coverage.

In Augusta, adult drivers pay an average of $1,978 per year for car insurance, while senior drivers pay $2,030 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Augusta

If we look at the car insurance rates trends in Augusta, Georgia, it was on an upward swing from 2022 to 2023. From 2022 to 2023, the rates increase overall by 23%, or $364.

The table below shows the trend for last four years:

Conclusion

In conclusion, Augusta’s car insurance rates are lower than the average insurance rates in Georgia. Drivers in Augusta can find affordable car insurance options by shopping around and taking advantage of available discounts. Moreover, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.