Augusta, GA Car Insurance

Are rates in Augusta higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? What rates should residents of Augusta expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

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How much is car insurance in Augusta?

According to the chart above, the average cost of auto insurance in Georgia is about $17 a month more expensive than it is in Augusta.

On the flip side, Augusta residents should prepare to pay higher rates for coverage than the rest of the country. Coverage in Augusta is about $8 more expensive than it is for the rest of the U.S.

Keep in mind that these are the average auto insurance rates for Augusta, and that the rate you get could end up being something different. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for Augusta residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Augusta Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $77 more than drivers of retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to go back up in Augusta.

Augusta Car Insurance Rates by Gender

Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Augusta, where male drivers pay about $9 more per month. Based on the chart above, you can see that male drivers pay $93 on average, while female drivers typically pay $84 each month.

Augusta Auto Insurance Rates by Driving Record

One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Augusta, a driving record with one accident will usually get you a rate around $117 a month. Similarly, drivers with one ticket will typically pay around $104 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Augusta Insurance Rates by Vehicle

The most affordable vehicles to insure in Augusta are usually trucks and vans, which run about $77 per month.

Car owners can expect to pay an average of around $90 a month for their policy, while SUVs usually cost around $85 a month to insure.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Augusta, vehicles four-to-five years old are the most expensive to insure.

Your rates can also vary depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, your rates may start to dip back down a bit. In Augusta, for example, the most expensive vehicles to insure are vehicles two-to-three years old.

Augusta Car Insurance Rates by Relationship Status

Generally speaking, those who are currently married will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Augusta can be as much as $18 a month, so it's worth keeping that in mind.

Augusta Car Insurance Rates by Housing Situation

Another factor that comes into play is your living situation. In Augusta, homeowners can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Augusta, GA

Recent trends in car insurance for Augusta drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

In Augusta, auto insurance rates went up consistently from 2017-2021. They finished down in 2022, at $73.

How does Augusta compare to neighboring areas?

Why are car insurance rates in Augusta different from other areas?

When considering how much to charge for coverage, car insurance companies will review several factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

• Total number of drivers in the region
• Local laws
• Off-street parking access
• Number of car accidents
• Prevalence of crime

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Augusta?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Augusta.

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Augusta Auto Insurance FAQs

What factors affect car insurance quotes in Augusta?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Augusta different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Augusta?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Augusta?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Augusta or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.