Augusta Car Insurance

Augusta’s residents see their share of traffic accidents every year. If you are involved in an accident, you can protect your finances with a suitable Augusta, GA car insurance policy.

If you choose to work with a local independent Trusted Choice® agent, you can expect to receive great service and ethical advice. Find an agent in your neighborhood today and start comparing Augusta auto insurance quotes.

  • National average cost per year: $1,311
  • Georgia average cost per year: $1,519
  • 14th most expensive premiums in the US

Average car insurance rates in this state are considerably higher than the national average. The price you pay for your policy, however, is dependent on a number of factors. These may include, but are not limited to:

  • The value of your vehicle
  • The make and model of your vehicle
  • The amount of liability coverage purchased
  • The coverage options purchased
  • Your driving record
  • The number of miles you drive per month
  • Where and how you park your vehicle when not in use

Most insurance companies also offer discounts that may lower rates for qualified vehicle owners. Discounts are commonly given for safe driving records, multiple policies with the company and the installation of safety systems and anti-theft devices.

What Does Augusta Car Insurance Cover?

Your Augusta car insurance needs to meet the state’s mandated minimum liability coverage amounts. Liability insurance will protect you if you are responsible for a collision that results in property damage or bodily injury to a third party.

Augusta, Georgia Car Insurance Requirements:

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 25/50/25
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage

If you are responsible for an accident that results in multiple injuries or fatalities, you may find yourself facing expenses that exceed these coverage limits. You can elect to purchase a greater amount of liability insurance to better shield your finances, either by raising your limits or purchasing an umbrella insurance policy.

You can choose to purchase other types of coverage including:

  • Collision insurance and medical payments insurance: These will provide you with coverage for damages or injuries sustained by you and your passengers if you are in an accident, regardless of fault.
  • Uninsured/underinsured motorist coverage: This provides you with compensation if an an uninsured motorist causes an accident that leaves you with damages or injuries. It also covers damages sustained by a hit-and-run driver.
  • Comprehensive coverage: Also known as “other than collision” coverage, this insurance gives you compensation for damages from things like severe weather, fire, and theft.

Reasons to Purchase Comprehensive Coverage

If you have financed the purchase of your car, you lender likely required you to carry comprehensive coverage for the life of your loan. Otherwise, this coverage is optional. It provides compensation for loss or damage to your vehicle due to weather events, falling objects, fire, vandalism or theft.

Augusta, Georgia Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Georgia uninsured motorists: 11.7
  • Georgia average car insurance repair costs: $2,199

The percentage of uninsured motorists in Georgia is close to the national average. Uninsured motorist coverage is not required by the state, but it can provide extra security. Knowing damages will be covered if an at-fault driver does not have liability insurance or the money to compensate you can give you peace of mind on the road.

Car Thefts in Augusta and Georgia:

  • National vehicle thefts (per 1,000 registered vehicles) 2.94
  • Georgia thefts (per 1,000 registered vehicles): 3.83

The Georgia car theft rate is higher than the national rate, and Augusta has the fourth highest rate of car theft in the state. Recent numbers show 800 reports of vehicle theft in this city. This equates to 4.07 thefts per 1,000 vehicles.

Take care when parking your car, and avoid leaving valuables inside. Try to park in well-lit areas or protected lots whenever possible. Auto theft deterrence systems are usually built into newer cars, but if your car doesn’t have one, it might be a smart investment. If your car is stolen, a comprehensive policy can provide the necessary coverage to replace your lost vehicle.

How to Find the Right Augusta Car Insurance Policy

Most insurance professionals will tell you that you should always obtain three rate quotes before you buy. Shopping for car insurance can be time-consuming and you may find yourself with a lot of questions about coverage. A Trusted Choice agent can streamline this process and make comparison shopping easy.

Most of us rely on our cars every day, and we consider them a valuable investment. Instead of taking risks with that investment, contact your local Trusted Choice agent today. These agents can provide you with a variety of competitive Augusta auto insurance quotes for policies that meet your coverage needs.

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