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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 Average||National Average|
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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
|Insurer||Average Yearly Rate|
|Georgia Farm Bureau||$1,113|
While finding the cheapest car insurance is important, we recommend checking out customer satisfaction scores of car insurance companies as well before committing.
The age group that enjoys the lowest auto insurance rates in Augusta are drivers in their 50s, who pay an average of $1,329 per year. Those in their 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 bracket||Average Yearly Rate|
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 Status||Average Annual Rate|
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 $1,146 per year in insurance premiums.
AUGUSTA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Yearly Rate|
|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|
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 Tier||Average Yearly Rate|
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.