Finding the right car insurance in Augusta doesn’t have to be a headache. With numerous providers to choose from, it pays to compare plans and pricing to find the best fit. This guide will introduce the major car insurance companies available in Augusta and provide tips to get the coverage you need at a competitive rate.
We’ll cover
- Largest car insurance providers in Augusta, GA
- Average rates by carrier
- Key factors that impact premiums
- Minimum GA requirements
- How to compare plans and prices
- Ways to save on Augusta car insurance
Follow our advice and you’ll be ready to make an informed decision on protecting your vehicle. Let’s dive in!
Top 10 Auto Insurers in Augusta, GA
Augusta drivers have their choice of national brand name and regional insurance companies. Here are the top 10 car insurance providers by market share:
- State Farm
- GEICO
- Progressive
- Allstate
- USAA
- Country Financial
- Liberty Mutual
- Farmers
- Travelers
- Nationwide
State Farm holds the biggest share in Augusta, while GEICO and Progressive also have a strong presence. Regional firms like Country Financial also provide competitive options.
Average Car Insurance Rates in Augusta
Car insurance costs can vary dramatically by individual based on factors like age, driving history, and type of vehicle. However, looking at average rates can provide a baseline for costs in Augusta.
According to 2021 data the average annual car insurance premium in Augusta GA is $1,532 which is on par with the state average. That works out to about $128 per month. However, drivers may pay as low as $750 or as high as $2,250 depending on their profile. Comparing quotes is the best way to find the rate specific to your situation.
What Impacts Car Insurance Costs?
Car insurance premiums are calculated based on a mix of personal, professional, and vehicular factors. Key considerations in Augusta include:
- Driving and credit history – Major factor in predicting risk
- Type of vehicle – Rates based on repair costs, safety ratings
- Required coverage – Georgia minimum is $25K bodily injury liability
- Deductible level – Higher deductibles equal lower rates
- Discounts – Savings opportunities like multi-policy, good student, etc.
The best way to find affordable rates is to maximize discounts and maintain a clean driving record over time.
Georgia Minimum Car Insurance Requirements
Drivers in Augusta are required to carry at least the state minimum liability coverage, which includes:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability
It’s recommended to purchase more than just the minimums for better protection. Many lenders also require you carry comp and collision coverage if financing or leasing.
Comparing Car Insurance Companies in Augusta
With so many options, take time to compare companies on pricing and coverage. Get quotes from both national brands and regional firms.
Ways to compare providers:
- Get quotes from captive agents and online
- Review sample rates by company for your profile
- Assess quality of customer service
- Check financial strength and reputation ratings
- Identify discounts and bundling opportunities
Look beyond just price – a company with good service may be worth a slightly higher premium.
Tips to Save on Augusta Car Insurance
Besides getting quotes, there are many ways Augusta drivers can save on their car insurance policy:
- Increase deductibles to reduce rates
- Ask about multi-car, good student, and other discounts
- Bundle home and auto policies with same provider
- Maintain good credit and driving history
- Drop unnecessary coverage as your car ages
- Use telematics program to prove safe habits
Taking these steps can lead to significant savings over time. Be sure to reassess your policy at renewal to find any new ways to reduce what you pay.
Picking the right car insurance in Augusta, GA takes research and comparison shopping. Follow our tips to secure quality coverage at a competitive price from a leading provider. Trust a reputable agent or carrier to get the insurance protection you need.
Find a Nationwide Insurance Agent in Augusta, Georgia
Some people love living in Augusta because it has safe neighborhoods and good schools. But for many local families, a low cost of living is just as important. And finding affordable auto insurance is part of the equation. Nationwides online tool can show you these price points based on your insurance coverage needs.
An affordable policy doesnt have to be bare-bones, minimum coverage auto insurance. One of our Augusta auto insurance agents can help you figure out what discounts are available and what your policy’s most important features are. No matter how you look for insurance, you’ll see why Nationwide has a 99.5 percent member satisfaction rating.
There are many custom homes and subdivisions built at different times, so it seems like everyone has something special they love about their home. Maybe youre looking for standard homeowner protections. Or maybe youve heard about Nationwides exclusive Brand New Belongings® and Better Roof Replacement® programs. Ask any of your policy questions to one of our Augusta home insurance agents.
Even in Augusta, which isn’t very big, there are a lot of families with kids of different ages, sizes, and financial situations. That said, one of four basic policy types can cover pretty much anyones life insurance needs. Our life insurance agents in Augusta are the local experts who know what families in the area value most and how that affects their choice of life insurance.
Even though Augusta doesn’t seem like a business or industrial hub, many people who live in the area may be surprised by how many businesses are there. Whether you run a small mom-and-pop shop, a professional contracting service, or a business from home, our Augusta business insurance agents can help.
10 Cheapest Car Insurance Companies in 2024
FAQ
Who has the lowest car insurance rates in Georgia?
Who typically has the cheapest car insurance?
What is the cheapest auto insurance type?
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Cheap Car Insurance Category
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Cheapest Car Insurance Company (Among National Insurers)
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Cheapest Monthly Car Insurance Rate
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Poor Credit
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Geico
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$81
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Young Drivers
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Travelers
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$204
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Senior Drivers
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Geico
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$106
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Military Members
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USAA
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$38
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What is the cheapest car insurance company in Augusta GA?
MoneyGeek ranked the cheapest and best car insurance companies in Augusta, GA, for drivers of all ages, driving records and coverage levels.
Which car insurance companies offer the cheapest minimum coverage in Augusta?
The following companies offer the cheapest minimum coverage policies in Augusta: State Farm is the most expensive minimum coverage insurer, with an average annual cost of $593. With an average cost of $321 per year, Country Financial is Georgia’s most affordable car insurer as of October 2022.
What is the best car insurance company in Georgia?
We found that Georgia’s best car insurance company is also Country Financial. The best car insurance for military drivers is USAA car insurance, earning a high MoneyGeek score of 85 out of 100. In Augusta, the following insurers provide the best overall full coverage policies:
What is the most expensive car insurance in Georgia?
State Farm is the most expensive minimum coverage insurer, with an average annual cost of $593. With an average cost of $321 per year, Country Financial is Georgia’s most affordable car insurer as of October 2022. This shows how location can significantly impact your insurance rate.