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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:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Augusta | $88 |
| GA | $105 |
| United States | $80 |
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!
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $152 |
| 25-34 | $89 |
| 35-44 | $78 |
| 45-54 | Not Enough Data |
| 55-64 | $65 |
| 65+ | $75 |
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.
Gender | Average |
|---|---|
| Male | $93 |
| Female | $84 |
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.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $117 |
| Multiple Accidents | $204 |
| 1 Ticket | $104 |
| Multiple Tickets | $137 |
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.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $94 |
| 2-3 Years | $103 |
| 4-5 Years | $103 |
| 6-7 Years | $89 |
| 8-10 Years | $93 |
| 11-14 Years | $90 |
| 15 Years or Older | $81 |
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.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $92 |
| Married | $74 |
| Divorced | $73 |
| Widowed | $69 |
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.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $77 |
| Rent | $91 |
| Live with parents | $106 |
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.
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.
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.
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.
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.
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.
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.
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.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
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