Best cheap car insurance in Augusta for 2021

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According to Bankrate’s 2021 study of quoted annual premiums, the average car insurance rate for drivers in Augusta is $758 per year for basic coverage and $1,908 per year for full coverage. This makes car insurance higher than the national average cost of car insurance, which is $565 and $1,674 per year, respectively.

If you are one of the 198,000 residents that call The Garden City home, our exclusive Bankrate methodology can help you find and enjoy the best car insurance in Texas for your region. Based on critical factors like coverage options, price, discounts and third-party ratings, this is the best cheap car insurance in Augusta for 2021.

Best car insurance companies in Augusta

The following insurance companies ranked high on our list for best cheap car insurance in Augusta based on the J.D. Power 2021 Auto Insurance Satisfaction Study and average annual premium costs for both minimum and full coverage and financial stability.

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico 871 / 100 $464 $1,443
USAA 890 / 100 $511 $1,362
State Farm 881 / 100 $520 $1,326
Auto-Owners 890 / 100 $562 $1,454

Geico

Geico offers Augusta residents a wide variety of policy options, such as emergency roadside assistance, car rental reimbursement and a mechanical breakdown option — which is similar to adding an extended car warranty. The discounts available are equally plentiful, ranging from club affiliation to defensive driving course savings. Augustans pay an average of $464 per year for a basic policy, but the full coverage option averages $1,443 annually.

Learn more: Geico Insurance review

USAA

USAA is a solid option for members of the military, both active and veterans, and their family. The provider typically garners high customer satisfaction scores from consumer researching companies like J.D. Power, though due its limited availability, it is not considered rank-eligible. However, USAA continually provides a large number of policy options, with many of the options addressing the specific needs of servicemen and women. For instance, your policy rate can be reduced if you are deployed for several months and will not be using your vehicle. The Fort Gordon Army base is a large part of the Augusta community and economy, and USAA offers significant policy advantages to the military families in the area.

Learn more: USAA Insurance review

State Farm

State Farm offers low rates for Augustans seeking full coverage policies, averaging $1,326 in annual premiums. In addition to competitive rates, State Farm offers several ways to customize your policy, including car rental reimbursement, roadside assistance 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.

Learn more: State Farm Insurance review

Auto-Owners

AAuto-Owners is a regional carrier, operating in 26 states, with exceptional customer service marks on the 2021 J.D. Power study. Auto-Owners also has a strong financial rating indicated by the A++ (Superior) rating from AM Best. The wide number of policy options, such as gap coverage and roadside assistance, make it easier for Augustans to find the coverage they need. This is on top of the multiple discounts offered, such as multi-car, multi-policy and a paid in full discount for paying premiums all at once.

Learn more: Auto-Owners Insurance review

Cheapest car insurance in Augusta

Car insurance rates in Georgia average around $756 per year for minimum coverage, while a full policy averages $1,982 per year. Car insurance in Augusta is higher for minimum coverage — at $758 annually — but the $1,908 annual average for full coverage is less expensive than what many Georgians are paying. On a national level, Augustans pay more than the national average for both minimum coverage, which is $565 annually, and full coverage at $1,674 annually.

Car insurance quotes in Augusta reveal there are several carriers offering competitive rates for minimum coverage, as well as some of the cheapest car insurance quotes in Augusta. Geico, USAA, State Farm and Nationwide are all national carriers with multiple coverage options. Each carrier has several options for basic coverage or add-on options to customize your policy. As another bonus, each of these companies offer a wide variety of discounts, such as multi-policy and multi-vehicle, on top of the below-average costs for annual premiums.

Auto-Owners offers many of the advantages of the national carriers, but with more localized service. Auto-Owners not only has the same competitive rates like Nationwide and State Farm, but also receives some of the highest customer satisfaction ratings in the Southeast.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico $464 $1,443
USAA $511 $1,362
State Farm $520 $1,326
Auto-Owners $562 $1,454
Nationwide $562 $1,146

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 per person and $50,000 per accident
  • Property Damage Liability: $25,000 per accident

However, choosing to only purchase the minimum coverage could open you up to a financial distress. If you choose to only carry the $50,000 in liability per accident and you are in a multi-car accident with multiple injuries, then the $50,000 may not cover everyone’s medical expenses. The best way to prevent paying out-of-pocket is to carry robust liability coverage if possible. The cheapest car insurance in Georgia can also help.

Car insurance discounts in Augusta

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: The state of Georgia allows defensive driving discounts. To qualify for this reduction in premiums, make sure your carrier provides the list of approved defensive driving courses, since not all classes qualify.
  • Policy bundling: Take advantage of having more than one policy with a carrier to receive a bundling discount. Ask how purchasing your renters/condo/homeowners insurance with the carrier can save you on your auto insurance.
  • Safe driver discounts: Many carriers, both national and local, offer discounts for those who remain accident-free for a certain number of years. For instance, Nationwide offers a safe driver discount. Plus if you sign up for the SmartRide app, you receive an additional 10% discount on your premiums.
  • Good student: This is another example of how it pays to make good grades. Most carriers offer a discount if you maintain good grades in school.

Frequently asked questions

What is the best car insurance company?

There are numerous factors for you to consider when choosing the best car insurance company. 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.

It is important to keep in mind that choosing what company is best for you will depend on your specific coverage needs. For example, USAA ranked highest on Bankrate’s best car insurance companies list, but if you are unable to get coverage through its policies due to USAA’s eligibility restrictions, then Geico and State Farm both rank highly. You can shop and compare auto insurance quotes and coverage options to narrow down your choice further.

How much car insurance do I need in Augusta?

It is important to review your financial situation to determine the complete amount of insurance you need. If you finance or lease your car, the lender most likely requires you to add comprehensive and collision coverage to your policy.

Since Georgia is an at-fault state, you might also consider adding additional liability coverage (above the minimum required) and medical payments coverage. Consult with a licensed agent to determine the best coverages for your needs.

What makes up full coverage car insurance?

Full coverage car insurance protects you from far more than 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 do I find cheap car insurance?

To save the most money on your auto insurance, consider additional ways to save. In addition to choosing the cheapest carriers for your policy, also give consideration to what discounts are available that may apply to your policy. You can also lower the price of your premium by improving your credit score, being a safe driver, and choosing a higher deductible.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor