Bankrate’s 2021 study on annual premiums shows that Augusta drivers pay $758 annually for basic coverage, and $1,908 for full coverage.Car insurance is therefore more expensive than it should be.Average national cost of car insuranceThe annual cost is $1,674 and $565, respectively.
Our exclusive Bankrate methodology will help you find the best Texas car insurance for you if you’re one of the 198,000 people who call The Garden City home. This Augusta car insurance policy is affordable and covers all the important factors such as price, coverage options, discounts, and third-party ratings.
Augusta’s best car insurance companies
Based on J.D., the following insurance companies were ranked top on our Augusta list of best cheap car insurance. Power 2021 Auto Insurance Satisfaction Study and average annual premium costs for both minimum and full coverage and financial stability.
Geico
Geico offers Augusta residents many policy options. These include emergency roadside assistance and car rental reimbursement. There is also a mechanical breakdown option that is similar to an extended car warranty. The discounts available are equally plentiful, ranging from club affiliation to defensive driving course savings. Augustans spend an average of $464 annually for a basic policy. However, the average annual cost for full coverage is $1,443.
USAA
USAA is a solid option for members of the military, both active and veterans, and their family. J.D. reports that the provider has high customer satisfaction scores. Although Power is not rank-eligible due to its limited availability it is still considered power. USAA offers a wide range of policies, many of which are tailored to the needs of military personnel. Your policy rate may be reduced if your deployment lasts for more than a month and you do not use your vehicle. Fort Gordon Army Base is an important part of Augusta’s economy and community. USAA provides significant policy benefits to military families.
State Farm
Augustans looking for full coverage policies can get low rates from State Farm. Annual premiums average $1,326. State Farm offers many options to customize your policy. These include car rental reimbursement, roadside help, and rideshare coverage. Once you choose from the many options available, you are likely to find the number of discounts to be equally impressive.
Policyholders can save in a variety of ways, including defensive driving courses, safe driver records and good student discounts — perfect for the large number of college students and medical students located in the Augusta area.
Auto-Owners
AAuto-Owners, a regional carrier that operates in 26 states, has exceptional customer service marks according to the 2021 J.D. Power study. Auto-Owners also has a strong financial rating indicated by the A++ (Superior) rating from AM Best. Augustans will find it easy to find the right coverage with the wide range of policies available, including gap coverage and roadside assist. These discounts are in addition to the many discounts available, including multi-car, multipolicy, and a paid-in-full discount for all premiums.
Augusta has the lowest car insurance
Car insurance rates in Georgia average around $756 per year for minimum coverage, while a full policy averages $1,982 per year. Augusta’s minimum coverage cost is $758 per year, but $1,908 per year for full coverage is a lower price than many Georgians pay. Augustans pay more annually than the national average of $565 per year for minimum coverage and $1,674 per year for full coverage.
Augusta car insurance quotes reveal that there are many carriers offering affordable rates for minimum coverage as well as the best deals on Augusta car insurance. All national carriers offer multiple coverage options, including Nationwide, USAA and State Farm. You have a variety of options from basic coverage to adding-on options that can be customized to your policy. These companies also offer discounts such as multi-policy or multi-vehicle coverage, in addition to lower annual premiums.
Auto-Owners has many of the same benefits as national carriers but offers more personalized service. Auto-Owners has some of the highest customer satisfaction ratings in Southeast. They offer the same competitive rates as Nationwide and State Farm.
Augusta insurance requirements
The state of Georgia has minimum insurance requirements that all drivers in Augusta must adhere to, including:
- Bodily Injury Liability: $25,000 for each person, $50,000 per accident
- Property Damage Liability: $25,000 per accident
You could be in financial trouble if you only buy the minimum coverage. If you only have $50,000 of liability per accident, and there are multiple accidents with multiple injuries involved, the $50,000 might not be enough to cover all medical costs. If you can, get robust liability coverage to avoid paying out-of pocket. The cheapest car insurance in Georgia can also help.
Augusta car insurance discounts
Another method for obtaining the best cheap car insurance coverage and rates in Augusta is to take advantage of the best car insurance discounts, such as these:
- Defensive driver discounts:Georgia permits defensive driving discounts. This reduction in premiums is only available to those who have the approved list of defensive driving courses. Not all classes are eligible.
- Policy bundling:Bundling discounts can be obtained by having multiple policies with the same carrier. Ask how purchasing your renters/condo/homeowners insurance with the carrier can save you on your auto insurance.
- Safe driver discounts:Numerous carriers offer discounts to drivers who aren’t in an accident for a specified period of time. Nationwide, for example, offers a safe driver discount. Sign up for SmartRide to receive an additional 10% discount on premiums
- Excellent studentAnother example of how good grades can pay off is this. If you have good grades at school, most carriers will offer a discount.
Questions frequently asked
Which is the best auto insurance company?
When choosing the best car insurance company, there are many factors to consider. From financial stability and customer service ratings of the carrier to competitive rates, Bankrate has reviewed these categories and more, and found several companies that earned a Bankrate score of 4.5 and higher.
Keep in mind that your coverage requirements will determine which company you choose. USAA was the best-ranked car insurance company according to Bankrate. However, if you cannot get coverage through USAA’s policies due to eligibility restrictions, State Farm and Geico both rank high. You can shop and compare auto insurance quotes and coverage options to narrow down your choice further.
What amount of Augusta car insurance do you need?
To determine how much insurance you need, it is important to assess your financial situation. Lenders will most likely require you to add collision and comprehensive coverage to any car loan or finance.
Georgia is considered at-fault so you may want to add additional liability coverage. To determine the best coverage for you, consult a licensed agent.
What is full coverage car insurance?
Full coverage car insurance covers you against far more than just minimum liability coverage. The average full coverage car insurance policy also includes other types of car insurance coverage, like collision, comprehensive, underinsured motorist, uninsured motorist and personal injury protection (PIP) coverage.
How can I get cheap car insurance?
Consider other ways to save money when buying auto insurance. You should consider the discounts that might be available to you, in addition to selecting the lowest-priced carrier for your policy. Your credit score, driving safely, and selecting a higher deductible can all help to lower your premium.
