Augusta, GA Car Insurance

How much does car insurance cost in Augusta?


The average cost of auto insurance in Augusta is $1,517 per year. That's less expensive than the statewide average in Georgia ($1,609) and less expensive than the national average of $1,548. Our guide to Augusta auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


CAR INSURANCE RATES IN AUGUSTA
Augusta Average (annual)Georgia AverageNational Average
$1,517$1,609$1,548

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Augusta car insurance rates by company


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, Georgia Farm Bureau provides Augusta's cheapest rates. See below the best options for affordable auto insurance in Augusta. Don't forget to get car insurance quotes based on your driving profile.


AUGUSTA AUTO INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
Georgia Farm Bureau$1,113
USAA$1,239
State Farm$1,432
GEICO$1,490
Progressive$1,753

Check out our guide to learn how to find the best cheap car insurance.



Augusta car insurance costs by age

The age group that enjoys the lowest auto insurance rates in Augusta are drivers in their age_50s, who pay an average of $1,329per year. Those in their age_60s don't pay significantly more ($1,371).

The Augusta drivers facing the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Augusta is to age out of your teens. In Augusta, teenage drivers pay $6,136 — a full $4,765 more than the second-most expensive rate paid by an age group.


AUGUSTA CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$6,136
20s$2,105
30s$1,503
40s$1,435
50s$1,329
60s$1,371
70s$1,714

Learn more about the impact of age on auto insurance rates.



Augusta auto insurance rates by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Augusta pay $174 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Augusta, insurance rates for those who are widowed are less expensive than rates for those who are single.

Another component of auto insurance pricing is gender. In Augusta, female drivers pay $4 per year more than do male drivers for car insurance.


AUGUSTA CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,521
Male$1,517
Single$1,343
Married$1,343
Divorced$1,517
Widowed$1,422

Learn more about how gender and marital status have on insurance rates.



Augusta car insurance rates by driving history


Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Augusta drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $783 per year versus the city average. A ticket for speeding results in a $392 rate hike, on average, while a DUI violation costs $1,146per year in insurance premiums.


AUGUSTA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Yearly Rate
DUI/DWI$2,663
Reckless Driving$2,300
At-fault Accident (damages less than $1,000)$2,112
At-fault Accident (damages > $2,000)$2,352
Speeding Ticket (16-20 mph over speed limit)$1,909

Learn more about citations' impact on your auto insurance rates.



Augusta auto insurance rates by credit tier


Credit score is often closely correlated with car insurance costs. In fact, Augusta drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 51% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Augusta, moving into the "Fair" credit tier corresponds to an average of $926 in savings on insurance each year.


AUGUSTA AUTO INSURANCE PREMIUMS BY CREDIT SCORE
Credit TierAverage Yearly Rate
Very Poor$2,654
Fair$1,728
Good$1,517
Very Good$1,429
Exceptional$1,306

Get additional information on how credit impacts car insurance costs.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.