Car Insurance in Augusta

Every family needs affordable car insurance in Augusta.

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Find the Right Car Insurance for Your Family's Needs

The Augusta, Georgia metropolitan area offers big-city amenities and natural backdrops for its more than 600,000 residents. With world-famous golf courses and the Masters Tournament every year, the city's considerable traffic includes visitors from out of state as well as countless commuters. Such a large network of highways makes it easy for your family to have fun and find work opportunities, but it also makes car insurance in Augusta a must.

Why Do You Need Car Insurance in Augusta?

No family wants to think about getting into a crash, but it's smart to know the risks and prepare for them. According to the Georgia Department of Transportation, in just four years (between 2018 and 2021), Augusta had over 13,000 crashes that caused injuries. There are over 9,000 total crashes a year, on average.

Augusta Has a High Volume of Traffic and Heavy Vehicles

Interstate 20 E near Wheeler Road sees annual average daily traffic of nearly 80,000 vehicles. About 10% of this traffic includes semi-trucks, flatbed trucks and other heavy vehicles. Heavy transports can cause significant injuries to drivers and passengers, not to mention extensive damage to vehicles.

Many Augusta Residents Drive Every Workday

Of the approximately 130,000 workers in the Augusta-Richmond area, fewer than 500 take public transportation to work (about 0.15%). On average, Augusta workers spend over 20 minutes driving to work. Assuming a five-day work week, this translates to over 170 hours every year spent just driving.

Car Accidents Are Unpredictable

Accidents can occur anytime and anywhere. Whether your family members have a long daily commute or work closer to home, each vehicle needs dependable coverage.

How Much Does Car Insurance Cost in Augusta?

The average car insurance premium in Augusta is about $1,500 a year. That's on par with other cities in Georgia and is slightly below the U.S. national average. At VIU by HUB, we make it easy for you to compare premiums and save money on car insurance in Augusta, GA.

What Factors Affect Car Insurance Prices in Augusta?

Car insurance prices can vary for each member of your family based on a variety of factors:

Driving record: Past car accidents, speeding violations, DUIs and other high-risk violations can increase insurance premiums significantly.
ZIP code: Insurance costs are higher for some parts of the Augusta-Richmond metro area due to traffic statistics.
Driver age: Younger, less-experienced drivers generally have higher premiums, as do drivers over the age of 65.
Vehicle make and model: Vehicles with a higher safety rating can save you money on car insurance, while cars that get stolen more often can raise your rates.

Other factors that can affect car insurance prices include your annual mileage, credit history, gender and marital status.

What Kind of Coverage Do You Need for Car Insurance in Augusta?

Georgia requires drivers to carry liability insurance of at least $25,000 per person and $50,000 per accident. For greater coverage, you should consider a variety of car insurance options:

Personal injury protection: Can cover the cost of hospital care, surgery, rehabilitation and other medical expenses after an accident
Underinsured or uninsured motorist insurance: Helps with medical costs when the at-fault driver doesn't have insurance or when costs exceed the insurance policy
Collision insurance: Covers vehicle repairs (or replacement) after car accident damage
Comprehensive coverage: Can help with repairs or replacement in cases of theft, fallen trees and storm damage

The higher your coverage amount, the more protection your family has in accidents that cause severe injuries or significant vehicle damage. VIU by HUB can help you compare policies.

This information is intended for general informational purposes only and is not intended to constitute legal advice.