Car Insurance in Augusta
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Car Insurance in Augusta, GA
Augusta, Georgia, is as well known for its Southern charm as it is for its golfing glory. With a population of around 203,000 people, it's the third biggest city in Georgia. Understanding car insurance costs in Augusta is an important part of getting around town without worry.
Driving in Augusta can take you to sights and sounds like the James Brown Museum or serene views along the Savannah River. Having comprehensive car coverage in Augusta provides the peace of mind you need to enjoy the city's culture, family-friendly attractions, and many varied restaurants.
Whether you're (quietly) rooting for your favorite at the Masters Tournament at Augusta National Golf Club or enjoying concerts and art at the Riverwalk, your zip code, age, and the car you drive can affect your insurance rates. Compare car insurance quotes in Augusta to make sure you're getting the best deals. Keep reading for more information that should help.
How much is car insurance in Augusta, GA?
The total cost of car insurance in Augusta can vary significantly depending on the coverage you select. For an overview, here are the average prices for the three most commonly chosen coverage options in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Augusta?
It is quite difficult to meaningfully assess and rank the cost of insuring every possible car make, model, and year combination in the city. But if you're curious about what newer models tend to be on the more affordable end for insurance, here are the top 10 cheapest car make and models to consider if you live in Augusta:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $148 |
| 2 | Honda Cr-V | $153 |
| 3 | Dodge Grand Caravan | $156 |
| 4 | Toyota Rav4 | $158 |
| 5 | Honda Odyssey | $160 |
| 6 | Kia Sedona | $160 |
| 7 | Kia Sol | $161 |
| 8 | Ford Escape | $162 |
| 9 | Ford F-150 | $164 |
| 10 | Toyota Corolla | $166 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving record influences your car insurance premiums. Events such as minor accidents, serious collisions, speeding tickets, DUIs, or hit-and-runs can all alter your insurance costs. The following summary outlines how rates change with common claims and infractions in Augusta, listed from least to most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $158 | 0% |
| Not at-fault Accident | $159 | +1% |
| Speeding Ticket | $197 | +25% |
| Driving with expired registration | $197 | +25% |
| At-fault Accident | $248 | +57% |
| Driving with a suspended license | $255 | +61% |
| DUI | $265 | +68% |
| Hit and Run | $274 | +73% |
What car insurance discounts can I get in Augusta?
In Augusta, various discounts can help reduce your insurance expenses. These include bundling multiple policies, paying in full upfront, opting for paperless transactions, and receiving renewal discounts for loyalty. The list below, ordered from the most significant to the least, highlights potential ways to save on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $136 | +$22 |
| Paid in Full | $146 | +$12 |
| Low Mileage | $147 | +$11 |
| Multi-Policy Renters | $150 | +$8 |
| Renewal discount | $154 | +$4 |
| Electronic Funds Transfer | $155 | +$3 |
| Paperless | $157 | +$1 |
| None | $158 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.