Best Augusta, GA Auto Insurance in 2024 (Check Out the Top 10 Companies)
The best Augusta, GA, auto insurance providers come from State Farm, Geico, and Progressive, with competitive monthly rates as low as $66. These best companies excel in customer service, offer cheap rates, and have local agents so that you can find premium coverage at the lowest price for Augusta drivers.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
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UPDATED: Nov 22, 2024
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Full Coverage in Augusta GA
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Full Coverage in Augusta GA
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Full Coverage in Augusta GA
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13,128 reviewsState Farm, Geico, and Progressive are the best Augusta, GA auto insurance providers. They deliver top-quality service and premium yet affordable coverage for your needs.
These top providers offering affordable coverage is backed up with good service. By comparing, you can find the best auto insurance coverage options that perfectly fit your needs Augusta, GA.
Our Top 10 Company Picks: Best Augusta, GA Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Local Agents | State Farm |
 | #2 | 25% | A++ | Competitive Rates | Geico |
 | #3 | 10% | A+ | Flexible Plans | Progressive |
 | #4 | 20% | A+ | Community Engagement | Allstate |
 | #5 | 15% | A | Customizable Coverage | Farmers |
 | #6 | 10% | A++ | Military Benefits | USAA |
 | #7 | 20% | A | Unique Discounts | Liberty Mutual |
 | #8 | 15% | A+ | Safety Rewards | Nationwide |
 | #9 | 10% | A++ | Extensive Coverage | Travelers |
 | #10 | 15% | A | Tailored Solutions | American Family |
Find the best auto insurance in Augusta, GA today. Enter your ZIP code now in the free online quote tool above to get quotes for affordable auto insurance.
- Explore cost-effective choices for top auto insurance in Augusta, GA
- Compare rates and coverage options tailored to your unique driving needs
- State Farm stands out as top, with premiums starting at just $66 per month
#1 – State Farm: Top Overall Pick
Pros
- Personalized Local Service: Offers one of the top-rated agent networks in Augusta, GA, providing a personal touch to auto insurance.
- High Claims Satisfaction: Known among the best Augusta car insurers for consistent and efficient claims processing.
- Reputable Provider: State Farm’s reputation for reliability makes it a preferred pick for auto insurance coverage in Augusta.
Cons
- Premiums for Younger Drivers: Among the top insurers in Augusta, GA, State Farm’s rates can be higher for younger drivers.
- Online Policy Limitations: There are fewer online customization options than other top Augusta providers. Check out our State Farm auto insurance review for more details.
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#2 – Geico: Best for Competitive Rates
Pros
- Competitive Rates: Known for some of the lowest rates among Augusta’s top auto insurance companies. Please review our Geico auto insurance review for additional information.
- Military and Employee Discounts: Multiple discounts benefit military personnel and federal employees in Augusta, GA.
- Efficient Claims Processing: Geico’s quick claims processing makes it a reliable Augusta car insurance provider.
Cons
- Limited Agent Access: With fewer local agents, customers seeking personal interaction may find it lacking among top Augusta auto insurers.
- Restricted Coverage Options: Some coverage choices are limited, especially in certain areas of Augusta, GA.
#3 – Progressive: Best for Flexible Plans
Pros
- Snapshot Program for Discounts: Provides safe-driving discounts, which can be a significant savings option for Augusta drivers.
- Easy Online Access: Recognized as a top Augusta insurer for seamless online access to policies and claims. To learn more, consult our Progressive auto insurance review.
- Range of Add-Ons: This company offers extras like roadside assistance and gap insurance, increasing its appeal among Augusta, GA, policyholders.
Cons
- Higher Premiums for Comprehensive Coverage: Rates for full coverage among top Augusta insurance providers can be on the higher side.
- Limited Physical Locations: Fewer physical offices in Augusta, which may be inconvenient for those preferring in-person service.
#4 – Allstate: Best for Community Engagement
Pros
- Community Engagement: Allstate is popular for Augusta drivers who value community-focused initiatives.
- Customizable Policy Options: These options allow drivers to tailor coverage to their specific needs in Augusta, GA. For additional information, read our Allstate auto insurance review.
- Strong Claims Support: Offers excellent claims support, contributing to its reputation among the best insurers in Augusta.
Cons
- Higher Base Premiums: Among Augusta’s top auto insurance options, base rates may be higher than average.
- Mixed Online Service Reviews: Some online service elements receive mixed feedback from Augusta customers.
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#5 – Farmers: Best for Customizable Coverage
Pros
- Well-Rated Customer Service: Known for customer service that ranks highly among Augusta’s top auto insurance providers.
- Discount Variety: This program provides discounts for teachers, safe drivers, and multipolicy holders, appealing to a range of Augusta drivers.
- Local Agent Network: Strong agent network across Augusta, GA, for personalized guidance. Please read our Farmers auto insurance review for more information.
Cons
- Premium Costs for Add-Ons: Add-ons like accident forgiveness can increase premium costs compared to other Augusta auto insurers.
- Limited Online Discounts: Some discounts may only be available through an agent, not online.
#6 – USAA: Best for Military Benefits
Pros
- Specialized Military Benefits: Ideal for military families, providing some of the best Augusta auto insurance benefits.
- Top Customer Satisfaction: Highly rated for customer service, making it a favorite in Augusta’s military community.
- Strong Financial Backing: Known for excellent financial strength, which is especially valuable to Augusta’s veterans. Read more through our USAA auto insurance review.
Cons
- Eligibility Restrictions: Only available to military families, which limits access for other Augusta residents.
- Limited Local Offices: Few physical locations may not suit customers seeking in-person service in Augusta.
#7 – Liberty Mutual: Best for Unique Discounts
Pros
- Unique Discounts: Known in Augusta for distinctive discounts, including new cars and green vehicle savings.
- Comprehensive Mobile Tools: Strong app support for claims and policy management, making it one of Augusta’s best.
- Customizable Plans: Liberty Mutual offers highly flexible plans suited to Augusta’s unique needs. Learn more by reviewing our Liberty Mutual auto insurance review.
Cons
- Average Customer Service: Customer support ratings are mixed, which can impact the experience for Augusta policyholders.
- Higher Premiums for Young Drivers: Premiums for younger drivers can be higher, which may deter some in Augusta.
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#8 – Nationwide: Best for Safety Rewards
Pros
- Safety Discounts: Known for its discounts tied to safe driving habits, it is ideal for safe drivers in Augusta.
- Rewards for Long-Term Customers: Among Augusta’s best options for loyalty and accident-free discounts. Discover more details in our Nationwide auto insurance review.
- Strong Community Presence: Known for supporting local causes and appealing to community-minded drivers in Augusta.
Cons
- Inconsistent Agent Availability: Agent support may vary, affecting Augusta’s personalized service.
- Higher Premiums for New Drivers: Young or new drivers may face higher premiums with Nationwide in Augusta.
#9 – Travelers: Best for Extensive Coverage
Pros
- Wide Range of Coverage Options: Known for broad policy options, making it a top choice for Augusta’s diverse needs.
- Strong Claims Satisfaction: High ratings for claims handling, making it a trusted provider for Augusta.
- Discounts for Home-Auto Bundling: Offers savings for combining policies, popular among Augusta families.
Cons
- Higher Rates for Comprehensive Coverage: Premiums can be higher for full coverage plans in Augusta.
- Limited Availability of Agents: Local agent access may be limited in some Augusta neighborhoods. To find out more, please refer to our Travelers auto insurance review.
#10 – American Family: Best for Tailored Solutions
Pros
- Tailored Solutions: Known for personalized policies, a key reason it ranks among the best for Augusta drivers.
- Solid Customer Service: Augusta has a positive reputation for customer service. Read more through our American Family auto insurance review.
- Risk-Based Discounts: Offers discounts for low-risk drivers, helping reduce premiums in Augusta.
Cons
- Less Competitive Premiums: Rates can be higher than some of Augusta’s other top options.
- Limited Digital Tools: Fewer digital tools compared to other Augusta insurers, which may deter tech-savvy drivers.
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Minimum Requirements for Auto Insurance Coverage in Georgia
Remember that you have a huge difference between what minimum state insurance coverage covers, and all the extra things an extensive policy will safeguard.
Augusta, GA Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $90 | $195 |
| $87 | $183 |
| $84 | $178 |
| $73 | $167 |
| $92 | $202 |
| $75 | $176 |
| $68 | $157 |
| $88 | $182 |
| $80 | $174 |
| $66 | $162 |
It may be less expensive to lessen coverage with an older vehicle that you simply aren’t making repayments on.
However, for newer vehicles, opting for additional coverage can contribute to safe driving by providing financial protection in case of an accident, ensuring you can maintain a roadworthy vehicle and peace of mind.
Augusta, GA Auto Insurance Discounts From the Top Providers
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Good Student, Safe Driver, Early Signing, Vehicle Safety Features |
| Multi-Policy, Good Student, Safe Driver, Early Signing, Vehicle Safety Features |
| Multi-Policy, Good Student, Safe Driver, Homeowner, Pay in Full |
| Multi-Policy, Good Student, Military, Safe Driver, Vehicle Safety Features |
| Multi-Policy, Good Student, Safe Driver, Homeowner, New Vehicle |
| Multi-Policy, Safe Driver, Good Student, Vehicle Safety Features, SmartRide |
| Snapshot Program, Multi-Policy, Safe Driver, Homeowner, Paid in Full |
| Safe Driver, Multi-Policy, Good Student, Discounts for Vehicle Safety Features |
| Multi-Policy, Good Student, Safe Driver, Homeowner, Paid in Full |
| Military, Multi-Policy, Safe Driver, Good Student, Vehicle Safety Features |
In a few regions of Georgia, the typical driver may be having to pay around $183 or even more for his or her payments. However that does not need to be true for many Augusta motorists.
Augusta, GA Auto Insurance Coverage Requirements
| Coverage Type | Requirements |
|---|---|
| Bodily Injury Liability | $25,000 / $50,000 |
| Property Damage Liability | $25,000 |
Actually, should you act today, you may have the ability to decrease your Augusta, GA auto insurance rates lower to $40 per month or fewer. Enter your ZIP code now to begin.
Cheapest Car Insurance in Augusta, GA
There are numbers of different companies offering their services, including Progressive insurance Augusta, GA, affordable insurance Augusta, GA on Broad Street, and more.
Augusta, GA Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents per Year | 5,200 |
| Claims per Year | 3,800 |
| Average Claim Cost | $3,500 |
| Percentage of Uninsured Drivers | 12% |
| Vehicle Theft Rate | 2.3 per 1,000 vehicles |
| Traffic Density | Moderate |
| Weather-Related Incidents | 200 annually |
Between Nationwide, Allied, and State Farm, you would be hard-pressed to locate lower automotive insurance costs in Augusta, especially when it comes to coverage options like personal injury protection (PIP).
But bear in mind that, while reduced rates are wonderful, it may be worth a couple of extra dollars monthly knowing your provider has excellent customer and claims services.
Augusta, GA auto insurance companies contemplate various elements when figuring out insurance quotes, including driving violations, accident claims, type of vehicle owned, driving distance to work, and theft protection devices.Daniel Walker Licensed Insurance Agent
Also keep in mind that premiums change from company to company. Affordable auto insurance Augusta, GA on Wrightsboro Road may offer different rates than State Farm Augusta, GA.
To verify you’re still being charged the most affordable rate, compare cheap Augusta auto insurance quotes online. Enter your ZIP code now to begin comparing rates.
Auto Thefts and Your Age Affecting Cheap Car Insurance in Augusta, Georgia
Insurance companies take many variables into account when crafting an auto insurance policy. Unfortunately, many of these factors are difficult or impossible to change, such as your gender or where you live.
Fatal Accidents in Augusta, GA
| Statistic | Count |
|---|---|
| Fatal Accidents | 15 |
| Vehicles in Fatal Crashes | 22 |
| DUI-Related Crashes | 5 |
| Total Fatalities | 18 |
| People in Fatal Crashes | 25 |
| Pedestrians in Fatal Crashes | 4 |
Other variables your car insurance company may consider also include auto thefts and your age as explained below.
Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding affordable Augusta, GA auto insurance.
Augusta, GA Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B+ | Moderate traffic density, with congestion mainly during peak hours |
| Weather-Related Risk | B | Moderate hurricane and storm risk, less frequent than coastal areas |
| Uninsured Drivers Rate | B- | 12% uninsured, better than average |
| Average Claim Size | C+ | Slightly above average claims |
| Vehicle Theft Rate | C | Vehicle theft rates are above average for a city of its size in Georgia |
| Comprehensive & Collision Rates | B- | Moderate rates, varying by location in Augusta |
The total number of stolen vehicles in Augusta has been going up recently, and your chances of experiencing auto theft are 433 in 100,000. If you’re worried about theft, or other circumstances such as vandalism or severe weather, then make sure you add some collision and comprehensive coverage to your insurance plan.
Auto Policy Age Comparison
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $240 | $260 | $150 | $160 | $130 | $135 | $110 | $115 |
| $220 | $250 | $140 | $150 | $125 | $130 | $105 | $110 |
| $230 | $255 | $145 | $155 | $128 | $133 | $108 | $113 |
| $200 | $220 | $130 | $140 | $115 | $120 | $95 | $100 |
| $250 | $270 | $160 | $170 | $135 | $140 | $115 | $120 |
| $210 | $230 | $135 | $145 | $120 | $125 | $100 | $105 |
| $225 | $245 | $140 | $150 | $123 | $128 | $103 | $108 |
| $215 | $235 | $135 | $145 | $120 | $125 | $100 | $105 |
| $220 | $240 | $138 | $148 | $122 | $127 | $102 | $107 |
| $190 | $210 | $125 | $135 | $110 | $115 | $90 | $95 |
On the other hand, it could appear unfair, but youthful motorist, particularly teenagers, need to pay drastically greater rates than just about any motorist on the highway.
Some companies, don’t even wish to insure them whatsoever. This is exactly why “Good Student” and “Driver’s Ed” discount rates are extremely useful for youthful motorists it may take the payments lower from impossibly high, to “affordable”. Enter your ZIP code now.
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Frequently Asked Questions
What are the top three auto insurance providers in Augusta, GA, known for competitive rates and quality service?
The top three auto insurance providers in Augusta, GA, are State Farm, Geico, and Progressive, known for competitive rates and customer service. Each company offers coverage starting as low as $66 monthly.
Which insurance company in Augusta is highly rated for customizable coverage options?
Farmers is highly rated for customizable coverage options, allowing drivers to tailor policies to their needs. This flexibility makes it ideal for specific coverage requirements. Enter your ZIP code now to begin.
How does Geico stand out in terms of discounts for specific groups?
Geico offers significant discounts for military personnel and federal employees, adding value for Augusta’s military community.
When you compare auto insurance companies, Geico stands out for these targeted discounts, which help reduce premiums for eligible drivers.
What makes USAA a top choice for military families in Augusta?
USAA provides specialized benefits and competitive rates for military families, making it a top Augusta auto insurance choice. Only military members and their families are eligible for USAA coverage.
Why might young drivers in Augusta find State Farm’s rates less appealing?
Young drivers may find State Farm’s rates higher compared to other providers in Augusta, especially without discounts. The company, however, excels in customer service and claims handling. Enter your ZIP code now to begin.
Which provider offers a Snapshot program that rewards safe drivers in Augusta?
Progressive’s Snapshot program rewards safe drivers by monitoring driving habits and offering premium discounts. This can help Augusta drivers save based on their safe driving behavior, potentially leading to lower car insurance rates.
By using Snapshot, drivers can demonstrate their commitment to safety and enjoy more affordable coverage options.
What discounts does Liberty Mutual offer that are unique compared to other Augusta providers?
Liberty Mutual offers unique discounts for new and eco-friendly vehicles, appealing to environmentally conscious drivers in Augusta. These discounts help reduce premiums for qualifying vehicles.
Why is Allstate considered a good option for community engagement in Augusta?
Allstate is known for strong community engagement and support, making it a good fit for community-minded Augusta drivers. They also offer various discount options and a broad range of coverage. Enter your ZIP code now to begin.
What factors can impact car insurance rates in Augusta, such as location or driver age?
Car insurance rates in Augusta are influenced by several factors affecting car insurance premium, such as age, location, and vehicle type.
For instance, high-risk areas or youthful drivers tend to experience higher premiums due to their accidents or theft experience.
How can Augusta drivers potentially lower their auto insurance premiums?
To lower the auto insurance premiums, Augusta drivers and residents can regularly compare rates online and use discounts for good grades, bundling policies, and safe driving to get the best deal for their needs.