On average your neighbors pay $70 a month.See Your Rates
Augusta, Georgia is home to the Masters Golf Tournament. If you want to take a swing at lowering your auto insurance rates, QuoteWizard has you covered. Here you can read about all of Augusta’s driving laws, insurance rates, best insurers, and more.
How much does car insurance cost in Augusta, GA? Rates are on par with the rest of the country. Average car insurance in Georgia costs $896.50 per year. The national average price is $889.01.
Your exact rate may vary based on your driving history, claims history, and coverage level.
|Total Cost Per Year||$896.50|
|Price Per Month||$74.70|
|Source: Facts + Statistics: Auto insurance|
The graph below tracks the average Georgia insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute shows Augusta car insurance increased from $754 in 2011 to $896 in 2015. This is an 18.89 percent increase.
QuoteWizard helps consumers compare quotes from national insurance companies and local independent agents. QuoteWizard can help you find cheap car insurance rates near Augusta, GA and save up to 40% on your rates.
Last year, 11,235 people used QuoteWizard to compare car insurance quotes in Augusta, Georgia from multiple companies and get the cheapest rates.
These are the most popular car insurers reported by QuoteWizard users in Augusta, Georgia last year. Of these users, 2,942 were uninsured when they requested a quote.
These are the most popular makes and models owned by Augusta, GA QuoteWizard users.
Augusta, Georgia requires all its drivers to carry minimum liability coverage. The minimum is 30/60/25. This means your policy must include:
Relying on minimum coverage is tempting. After all, it’s cheap, right? Yes, but it can cost you more in the long term. A minimum policy only comes with a small amount of liability. It’s easy to exceed that amount after an accident, and adding more liability to your plan usually doesn’t cost a lot. As such, we recommend:
Insurance is more expensive in areas with a history of accidents. How does Augusta fare? QuoteWizard ranked state and city drivers from best to worst. According to our data, Georgia is the 11th worst state for driving.
Local factors such as weather, road conditions, and traffic can affect your auto premium. The riskier your driving conditions, the higher your rates can be.
Augusta winters can be dangerous. Take steps to winterize your car, as the snow can lead to loss of control on the road. Average rainfall amounts to 43 inches a year. This is four inches above the national average. All of these add up to extra driving perils.
TRIP reports that 10 percent of Augusta's roads are in poor condition. This isn’t bad in comparison to roads in many other cities. Still, driving on bad roads costs Augusta drivers $381 a year in extra car operating costs.
INRIX made a traffic scorecard that ranks US cities by traffic congestion. According to INRIX, Augusta commuters spent an extra seven hours driving last year. The average commute time in Richmond County is 20.1 minutes.
Citations and at-fault accidents can affect your driving record. People with tickets and accidents on their driving record pay more for car insurance.
Augusta Police are taking part in Operation Southern Shield in order to reduce speeding. Speeding is a surefire way to increase your auto premiums.
A DUI can affect your insurance rates badly. Depending on how many DUIs are on your record, you could face a felony offense, up to five years in prison, and a $5,000 in fines. Our data shows that drivers with a DUI spend an average of $830 more per year for auto insurance.
Georgia drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for three years. If you fail to renew your SR-22, the DMV is notified and your license is suspended.
Drivers pay more for insurance in areas with high accident rates. Richmond County is one of Georgia's most accident prone counties. In 2016, Richmond County reported 9,957 crashes. This is a 4.3 percent increase over 9,541 crashes in 2015. This is the most recent data available.
Richmond County reported 74 crash fatalities in 2017. That is a fatality rate of .15 per 1,000 residents. This is a 44 percent decrease from 166 fatalities in 2015.
Drivers who live in areas with a high rate of car theft pay more for car insurance. That’s especially true if they drive a commonly stolen vehicle. Augusta Police reported 672 auto theft arrests in 2017.
Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Augusta drivers can use. Get a quote and find out which discounts you qualify for.
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