Table of contents
How much is car insurance in Augusta?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Augusta | $86 |
| GA | $102 |
| United States | $79 |
As you can tell by looking at the chart above, auto insurance rates in Augusta are quite a bit less than they are in the rest of Georgia.
On the other hand, Augusta residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of insuring a vehicle in Augusta is about $7 more expensive than the average rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Augusta, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't worry, we've done the work for you and broken down average rates for Augusta to help you get a more accurate idea of what you'll be charged for your policy. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $141 |
| 25-34 | $87 |
| 35-44 | $77 |
| 45-54 | Not Enough Data |
| 55-64 | $66 |
| 65+ | $76 |
It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay one and a half times as much as someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may begin to creep back up a bit.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $91 |
| Female | $83 |
On average, female drivers pay slightly less for car insurance than their male counterparts. In Augusta, the difference is around $8 per month. As illustrated in the table above, female drivers in the area pay about $83 on average, while male drivers pay around $91 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $131 |
| Multiple Accidents | $196 |
| 1 Ticket | $112 |
| Multiple Tickets | $151 |
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Augusta, having a single accident on your record will usually get you rates around $112 a month. In addition, drivers with a single ticket on their record can expect to pay around $131 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $89 |
| 2-3 Years | $94 |
| 4-5 Years | $89 |
| 6-7 Years | $84 |
| 8-10 Years | $91 |
| 11-14 Years | $90 |
| 15 Years or Older | $82 |
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Augusta.
The monthly cost for insuring a car in Augusta is the same as for an SUV -- about $87 a month.
Truck and van drivers in Augusta can expect to pay about $78 per month for coverage.
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.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $91 |
| Married | $73 |
| Divorced | $74 |
| Widowed | $70 |
Overall, those who are currently married will pay less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
That difference ends up being around $18 each month for drivers in Augusta.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $77 |
| Rent | $89 |
| Live with parents | $111 |
Your housing status is another factor that affects your monthly rate. In Augusta, homeowners can expect to pay around $12 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.
Car Insurance Companies in Augusta, GA
Recent trends in car insurance for Augusta drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Auto insurance rates in Augusta went up consistently from 2016-2020. Car insurance rates finished down in 2021, at $79.
How does Augusta compare to neighboring areas?
Why are car insurance rates in Augusta different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Crime levels
- Availability of off-street parking
- Local regulations
- Road Safety (how many accidents each locality has)
- Number of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
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.
But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Augusta.
Augusta Insurance FAQs
What factors affect car insurance quotes in Augusta?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Augusta different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Augusta?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use 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.