Best cheap car insurance in Augusta

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Augusta, Georgia is known throughout the world as home of The Masters golf tournament. And though nearly 198,000 residents also call The Garden City home, affordable car insurance rates and robust coverage is available through several insurance carriers. The average car insurance rate for Augustans comes in around $758 per year for basic coverage and $1,908 per year for full coverage, which is higher than the national average of $565 and $1,674 per year, respectively.

Many factors were considered in order to find the best cheap coverage in Georgia’s second-largest city. In addition to the least expensive rates, factors such as customer service ratings, financial stability and number of discounts were also closely reviewed.

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 2020 J.D. Power Auto Claims 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.

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.

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 and medical students located in the Augusta area.

Auto-Owners

Auto-Owners is a regional carrier, operating in 26 states, with exceptional customer service marks on the 2020 J.D. Power Auto Claims Study and an A+ Better Business Bureau (BBB) rating. 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.

Cheapest car insurance in Augusta

Car insurance rates in Georgia average around $654 per year for minimum coverage, while a full policy averages $2,000 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.

Car insurance discounts in Augusta

Another method for obtaining the best cheap car insurance coverage and rates in Augusta is to take advantage of as many discounts as possible.

  • 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 at a 4.6 out of 5 rating. You can compare 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.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

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.