Augusta Car Insurance

The Zebra
May 30, 2018

Car Insurance in Augusta

With premiums within $14 of the state average, Augusta has rates that are relatively similar to the state. Keep some money in your pocket by following the tips below about how to save on car insurance in Augusta.

  • City Average: $1,374
  • State Average: $1,388
  • National Average: $1,427

Augusta Car Insurance by Credit Rating

Individuals with Very Poor credit (300-579) pay an average of almost twice as much each year for car insurance than those with Exceptional credit (800-850). Drivers will see the greatest decrease in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $420 per year.

  • Very Poor: $2,443
  • Fair: $2,023
  • Good: $1,705
  • Very Good: $1,423
  • Exceptional: $1,236

Augusta Car Insurance by Age

Drivers in their 50s save money on car insurance premiums, as they have the smallest rates among all age groups, paying only $1,195 each year. Those in their 60s ($1,240) aren’t paying significantly more. In Augusta, drivers see the greatest drop in premiums when they hit their 20s, as they pay an average of 61% less after moving out of the teenage age range. When drivers turn 60, they will experience a rate increase related to their age for the first time. Teenage drivers have the highest rates out of all the age groups, with typical car insurance payments of $5,001.

  • Teenagers: $5,001
  • 20s: $1,929
  • 30s: $1,355
  • 40s: $1,292
  • 50s: $1,195
  • 60s: $1,240
  • 70s: $1,555

Augusta Car Insurance by Accident or Violation History

Do you have an accident or violation on your driving record? That can influence your car insurance premiums. In Augusta, drivers with a DUI have rates $749 greater than the city average of $1,374. Reckless driving will bump your rates up as well, with average rates of $2,256, which are 64% higher than the city average! In Augusta, those who are found at-fault in an accident end up paying 61% more than the city average on car insurance each year.

  • DUI: $2,123
  • Reckless Driving: $2,256
  • At-fault Accident (damages less than $1000): $2,215
  • At-fault Accident (damages greater than $2000): $2,215
  • Speeding Ticket (16-20 mph over speed limit): $1,663

Augusta Car Insurance by Gender and Marital Status

Car insurance premiums in Augusta are impacted by gender and marital status. Normally, males have premiums that are 3% more expensive than those for females. Being single can cost you 9% more per year compared to being married. Rates for those who are widowed are relatively cheaper than rates for those who are single.

  • Female: $1,333
  • Male: $1,374
  • Single: $1,374
  • Married: $1,261
  • Divorced: $1,374
  • Widowed: $1,322

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