The Cheapest Car Insurance Companies in Augusta
A full-coverage policy comes with comprehensive examination and collision indemnity to cover you in character your car gets damaged. The most low-cost car policy companies for drivers in Augusta who want fully coverage are :
- GEICO: $881 per year
- Nationwide: $1,014 per year
For those in the military and their families, USAA offers the cheapest full coverage in Augusta at $ 798 annual. Progressive the most expensive policy ship’s company in this case, costing just over 67 % more than GEICO, the cheapest option. These rates are for a full coverage policy which includes comprehensive and collision indemnity. The price you pay can vary depending on the type of liability coverage you purchase .
Cheapest Car Insurance in Augusta
Full Coverage 100/300/100 MoneyGeek ’ second analysis, which is described in our methodology, is based on our sample driver : a 40-year-old male driver in Augusta with a wax coverage policy. Compared to minimum coverage policies, full coverage policies in Augusta monetary value more because they include extra coverages, including :
- Comprehensive insurance: Covers your car for damages not caused by collision, such as adverse weather events and theft.
- Collision insurance: Covers your car for damage resulting from a collision.
While full coverage offers better protective covering overall, the policy premiums may add up to be more expensive than the refilling value of your car. If that ’ s the case, you may find liability-only insurance coverage the most low-cost choice .
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Cheapest Car Insurance in Augusta for Minimum Coverage
The sum of indemnity coverage you buy will besides affect the annual rate, careless of where you live or which insurer you choose. A car insurance policy meeting only the state minimum liability-only requirements costs an average of $ 710 annually in Augusta. In contrast, a full coverage policy with higher liability limits costs an average of $ 1,200 per annum. That is a dispute of $ 490 .
Cheapest Minimum Liability Car Insurance in Augusta
state Minimum State minimum coverage is the cheapest in Augusta, but it besides offers the least protection. A country minimum policy only carries the minimum liability limits required by Georgia car indemnity laws at 25/50/25. That means, in the case of an accident, your out-of-pocket costs can be quite senior high school. For exercise, if you cause an accident where the property damage is $ 40,000, and your policy merely carries a $ 25,000 limit, you will need to pay for the extra costs yourself .
Georgia Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property price. A more protective level is 100/300/100 .
Cheapest Car Insurance in Augusta if You Have Driving Violations
Your drive record impacts the monetary value of car indemnity in Augusta, so if you have a irreverence like a DUI, you will pay higher rates. Depending on the rape, the most low-cost car insurers in Augusta are:
- Cheapest after a ticket: GEICO, $1,054 per year
- Cheapest after an at-fault accident: State Farm, $1,274 per year
- Cheapest after a DUI: State Farm, $1,175 per year
USAA is the cheapest option if you are in the military and have a travel rapidly ticket or an at-fault accident. If you have a tug record with violations, you can get cheaper rates in future by improving it over time. In the meanwhile, you can find the cheapest insurers for drivers with violations by comparing quotes.
Cheapest Car Insurance in Augusta With a Violation
Average Cost of Car Insurance in Augusta
car insurance costs an modal of $ 1,200 per class in the city of Augusta. That is 26.7 % lower than the state average, which is $ 1,638. It is besides less than the $ 1,424 annual average premium in the United States.
Personalized Quotes to Get You the Cheapest Car Insurance in Augusta
Augusta indemnity carriers assess risks related to each particular driver to determine the monetary value of car policy policies. They consider factors like gender, car have and exemplary, driving history and coverage level. Drivers should regularly get personalized quotes from different companies to find out if they qualify for rebates and other savings. Comparing car indemnity quotes will help you find the most accurate policy .
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The Best Car Insurance Companies in Augusta
To help you find the best coverage at low-cost rates, MoneyGeek scored insurers in Augusta based on affordability, customer service and fiscal stability. For most drivers, the best car indemnity companies in Augusta are :
- Auto-Owners: MoneyGeek score of 90 out of 100
- ALFA: MoneyGeek score of 88 out of 100
USAA scored highest with 95 out of 100 and is the best insurance company in Augusta for drivers who are military members and their families. however, because USAA car insurance is not available to civilians, we did not include it in this list. MoneyGeek ranked these car insurance companies using several factors, such as insurance company fiscal constancy, customer gratification and affordability. We used multiple resources to conduct this sketch, including findings by data analytics and consumer intelligence company J. D. Power .
1 USAA score : 95
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy
2 Auto-Owners Insurance Co grade : 90
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability
3 ALFA score : 87.5
4/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A fiscal stability
4 GEICO score : 85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy
5 State Farm score : 82.5
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability
6 Nationwide score : 80
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
7 Travelers score : 80
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability
8 MetLife grade : 80
3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
9 Safeco score : 77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability
10 Progressive sexual conquest : 77.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
11 Liberty Mutual mark : 77.5
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
12 Allstate grudge : 75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
13 National General score : 72.5
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal constancy
Average Cost of Car Insurance by Postal Code
The average rate for car indemnity besides depends on your ZIP code. The average cost of car policy by ZIP code in Augusta can range from $ 1,173 to $ 1,231. The cheapest neighborhood for car coverage is 30907. interim, drivers residing in the 30906 area typically pay the city ’ s highest premiums .
- Zip Code State Minimumper year
Factors That Impact Insurance Costs in Augusta
In addition to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of fatal accidents besides contribute to cable car indemnity rates in Augusta. How Augusta ranks compared to the 300 most populous cities in the United States can have a meaning affect on premium costs .
Most Accidents With Fatalities 55th / 300
Most car Thefts 89th / 300
Most uninsured Motorists by State 25th / 50 personal Injury Protection Required No
Most annual rain 56th/ 300
Most showery Days 129th / 300
Methodology and Assumptions
MoneyGeek ’ s average premium rates for Augusta are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and force phonograph record.