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How Much Does Auto Insurance Cost in Augusta, GA?
According to our recent cost data, the average annual car insurance premium in Augusta, Georgia is around $205 a month or $2,460 yearly for state minimum liability coverage. Full coverage policies on average costs $278 a month or $3,336 yearly for full coverage. Individual rates can be significantly higher or lower depending on the factors mentioned throughout this article based on your personal information.
Who Has the Cheapest Car Insurance Rates in Augusta?
The most affordable insurance providers in Augusta for full coverage car insurance of a single driver of a 4door vehicle includes All State, State Farm, GEICO, and Progressive auto insurance.
If you’re looking to find the most affordable auto insurance provider in Augusta, here is a breakdown of monthly and yearly costs by insurance company:
| Insurance Provider | State Minimum Monthly Cost: | Full Coverage Monthly Cost: | Full Coverage Yearly Cost: |
|---|---|---|---|
| Allstate | $75 | $92 | $1,104 |
| State Farm | $95 | $118 | $1,416 |
| Geico | $100 | $120 | $1,440 |
| Progressive | $118 | $154 | $1,848 |
| Assurance Auto | $155 | $186 | $2,232 |
| Travelers | $162 | $189 | $2,268 |
| Safeco | $108 | $226 | $2,712 |
To get the most accurate estimate for your car insurance costs in Georgia, it’s recommended to obtain quotes from multiple insurance providers through our online tool. We will consider your specific circumstances and provide you with personalized rates based on your needs and coverage options.
Average Cost of Car Insurance in GA by Vehicle Type
The type of vehicle you drive will have an impact on the overall costs of your auto policy for state minimum coverage in Georgia. Our cost data is pulled based on different types of vehicles such as a Toyota Camry, Honda CRV, Nissan Titan, Chevy Bolt, and BMW 4 Series.
Here is the average cost of minimum liability car insurance for each vehicle type across multiple real time quotes from GA drivers in every county for a year of coverage:
- 4 Door Car: $1,023
- SUV: $983
- Truck: $1,027
- Hybrid Electric Vehicle: $1,075
- 2 Door Coupe: $1,255
Car Insurance Requirements for Georgia
Each state has its own requirements for the amount of auto insurance coverage its licensed drivers need to carry. Georgia requires every driver to have liability auto insurance, which helps pay for damage and injuries to the other party if you cause a car accident.
The minimum coverage amounts for Georgia auto insurance policies are:
- $25,000 per person
- $50,000 for multiple people for bodily injury liability
- $25,000 per incident for property damage liability.
It’s also worth noting that even though the laws in Georgia does not require collision or comprehensive auto insurance, if you still owe money on your car through a lease or a loan, your bank or lender will require you to carry those types of coverage.
Georgia stands apart from other states in that while it requires all drivers to have auto insurance, it does not allow you to show your insurance card as proof that you are insured. Don’t look at that as a loophole to be uninsured. Having auto insurance is in your best interest, financially speaking, but also law enforcement officers, in the event of a traffic stop, check with the Georgia Electronic Insurance Compliance System (GEICS) to verify that all drivers have auto insurance.
It’s still wise to carry your insurance card with you so you can exchange information with the other drivers if an accident occurs.
Georgia Auto Insurance Rates by County
The cost data in the table below is an example of a single driver, middle aged, with a clean driving record and a good credit score who drives a used vehicle.
The average costs for car insurance in Georgia will vary by provider and driving history as well as individual driver factors. Here is a list of average state minimum liability coverage costs in Georgia broken down by county and vehicle type – search for your county below:
| Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Appling | $1,058 | $948 | $1,026 | $1,027 | $1,117 |
| Atkinson | $983 | $884 | $952 | $1,022 | $1,034 |
| Bacon | $1,093 | $976 | $1,061 | $1,027 | $1,155 |
| Baker | $968 | $870 | $939 | $1,006 | $1,018 |
| Baldwin | $1,098 | $977 | $1,064 | $1,027 | $1,157 |
| Banks | $1,036 | $933 | $1,000 | $1,027 | $1,085 |
| Barrow | $1,020 | $917 | $987 | $1,064 | $1,068 |
| Bartow | $1,038 | $933 | $1,005 | $1,067 | $1,089 |
| Ben Hill | $1,038 | $898 | $998 | $1,027 | $1,099 |
| Berrien | $944 | $849 | $916 | $981 | $993 |
How to Find Cheap Car Insurance in Augusta
To find cheap car insurance in Augusta, Georgia, you can follow these steps:
- Compare Multiple Insurance Providers: Obtain quotes from different insurance companies through InsuranceQuotes to compare their rates and coverage options with our comparison services.
- Assess Coverage Needs: Determine the level of coverage you require based on your specific needs. If you have an older car, you may consider opting for basic liability coverage instead of comprehensive coverage to lower costs. However, ensure you meet the minimum legal requirements for car insurance in Georgia.
- Maintain a Good Driving Record: A clean driving record with no accidents or traffic violations can help you secure lower insurance premiums. Safe driving habits demonstrate to insurance companies that you are a low-risk driver.
- Increase Deductibles: Consider raising your deductibles—the amount you pay out of pocket before your insurance coverage kicks in. By choosing a higher deductible, you can often reduce your premium costs. However, ensure that you can comfortably afford the deductible amount if you need to make a claim.
- Bundle Policies: If you have other insurance policies (such as homeowner’s or renter’s insurance), consider bundling them with the same insurance provider. Many companies offer discounts for multiple policies.
- Inquire About Discounts: Ask insurance providers about available discounts. They may offer various types, such as safe driver discounts, good student discounts, multi-car discounts, or discounts for certain safety features installed in your vehicle.
- Improve Credit Score: Insurance companies often consider credit scores when determining premiums. Maintaining a good credit score can potentially lead to lower insurance rates.
- Seek Professional Advice: If you find the process overwhelming or want expert assistance, you can consult an independent insurance agent or broker or give us a call and we can walk you through the process.
Remember, the cheapest car insurance may not always provide the necessary coverage or customer service. Balance affordability with the reliability and reputation of the insurance providers to make an informed decision.
Car Insurance Requirements for Georgia
Each state has its own requirements for the amount of auto insurance coverage its licensed drivers need to carry. Georgia requires every driver to have liability auto insurance, which helps pay for damage and injuries to the other party if you cause a car accident.
The minimum coverage amounts for Georgia auto insurance policies are:
- $25,000 per person
- $50,000 for multiple people for bodily injury liability
- $25,000 per incident for property damage liability.
It’s also worth noting that even though the laws in Georgia does not require collision or comprehensive auto insurance, if you still owe money on your car through a lease or a loan, your bank or lender will require you to carry those types of coverage.
Georgia stands apart from other states in that while it requires all drivers to have auto insurance, it does not allow you to show your insurance card as proof that you are insured. Don’t look at that as a loophole to be uninsured. Having auto insurance is in your best interest, financially speaking, but also law enforcement officers, in the event of a traffic stop, check with the Georgia Electronic Insurance Compliance System (GEICS) to verify that all drivers have auto insurance.
It’s still wise to carry your insurance card with you so you can exchange information with the other drivers if an accident occurs.
Georgia Vehicle and Driving Safety Requirements
In Georgia, texting while driving is banned, as is all cellphone use by teenage drivers, according to the Governor’s Office of Highway Safety. Across Georgia, anyone riding a motorcycle must wear a safety helmet. Anyone convicted of driving at least 75 mph on a two-lane road in Georgia or at least 85 mph on other roads faces stiffer fines than other speeders.
DUI Laws in Georgia
All states prohibit the operation of a motor vehicle if a driver has a blood alcohol content (BAC) of .08 or greater. The Georgia Governor’s Office of Highway Safety details the penalties of being charged with a DUI.
For a first offense, a driver convicted of DUI in Georgia faces:
- A jail sentence up to one year
- A fine up to $1,000
- A driver’s license suspension up to one year
- At least 40 hours of community service
- A $210 license reinstatement fee
Georgia law prohibits anyone from drinking alcohol or having an open container of alcohol in a car when it’s on a roadway or on the shoulder of a highway.
How We Calculate InsuranceQuotes Rates Data
Our car insurance rates are calculated using our internal Insurance Quotes cost database across millions of real time quotes gathered over the past few years with updated data monthly. We use a driver profile of a single middle aged driver with a clean driving record, good credit history, who drives a used 4door vehicle.
