Affordable Auto Insurance Augusta GA You Can Rely On

Augusta Georgia Auto Insurance: What You Need to Know

Georgia law requires all drivers to carry a minimum level of liability coverage:

• $25,000 for bodily injury per person

• $50,000 for bodily injury per accident

• $25,000 for property damage

This 25/50/25 liability policy protects other drivers if you’re at fault—but it doesn’t cover your own damages. Many Augusta drivers opt for full coverage, which includes:

• Collision coverage – Covers damage to your vehicle after an accident

• Comprehensive coverage – Protects against theft, weather damage, or vandalism

• Uninsured/underinsured motorist – Covers you if someone else has no or minimal insurance

💡 Tip: Full coverage might cost a bit more each month, but can save you thousands after a claim.

What Impacts Your Auto Insurance Rate in Augusta?

Car insurance costs vary from person to person, but here are the biggest factors we see impacting premiums in Augusta:

• ZIP code – Rates may be higher in areas like South Augusta or Harrisburg due to theft or accident stats

• Driving record – Accidents, tickets, and DUIs increase your rate

• Vehicle type – Luxury cars, trucks, or older vehicles can affect costs

• Credit score – Georgia allows insurers to factor in your credit

• Mileage – Daily commuters often pay more than low-mileage drivers

Our team will walk you through each of these and help you uncover discounts and smart options.

What’s the Average Cost of Auto Insurance in Augusta?

According to 2025 data from ValuePenguin, the average driver in Augusta pays about $1,590 per year for car insurance—slightly lower than the state average.

But at Budget Insurance Agency, many of our clients pay much less by using available discounts, bundling policies, and comparing multiple quotes in real time.

What Car Insurance Coverage Options Are Available?

We offer all standard and optional car insurance coverage types, including:

• Liability – Required by law

• Collision – For damage to your own car

• Comprehensive – For non-accident related damage

• Medical Payments – For injury-related medical bills

• Uninsured/Underinsured Motorist – Extra protection from underinsured drivers

• SR-22 filings – Required for some high-risk drivers in Georgia

Not sure what you need? Our agents make it easy to understand your options—and build a policy that fits.

Get a Free Affordable Auto Insurance Quote in Augusta, GA

Skip the guesswork and start comparing real rates now. We’ll shop top carriers and show you the most affordable auto insurance Augusta GA has to offer.

Start Your Free Auto Insurance Quote Now

Or call us Phone Number directly to speak with a local Augusta insurance expert.

Discounts You May Qualify For

Augusta drivers often qualify for 2–3 discounts without even knowing it. Here are some of the most common:

Good driver discount

Low mileage discount

Multi-policy (home + auto)

Defensive driving course

Good student

Anti-theft or safety devices

Let our agents check every available discount so you never overpay.

Affordable Auto Insurance for High-Risk Drivers

If you’ve had a DUI, accidents, or lapses in coverage, don’t worry—we specialize in affordable insurance for high-risk drivers in Augusta.

We help you get legally back on the road and file SR-22 forms if needed. We’ve helped hundreds of drivers in similar situations get back on track—with coverage that still fits their budget.

Areas We Serve Around Augusta

We proudly help drivers in:

• Augusta (Downtown, South Augusta, West Augusta)

• Martinez

• Evans

• Grovetown

• Hephzibah

• North Augusta

• Fort Gordon

• Richmond County and surrounding areas

What Augusta Drivers Are Saying

“Budget Insurance Agency helped me get coverage fast and way cheaper than other quotes I got.”
– Jared M., Martinez, GA

“They made everything so easy. I was able to get insured the same day—even after a DUI.”
– Rebecca T., Augusta, GA

“Excellent customer service and they found me a great price. Highly recommend.”
– Eric B., Hephzibah, GA

Average Rating: 4.8/5 based on 120+ verified reviews

Frequently Asked Questions

What’s the cheapest auto insurance in Augusta, GA?

It depends on your driving record, vehicle, and location. Our customers save up to 30–40% by comparing carriers.

Can I get same-day coverage?

Yes! Most of our clients are insured within 15 minutes of starting a quote.

Do you work with high-risk drivers?

Absolutely. We offer SR-22 insurance, non-standard policies, and flexible options for drivers with past violations.

How do I start an auto insurance quote in Augusta?

Use our online form or call us—we’ll compare multiple carriers and help you get the lowest possible rate.

Your Local Affordable Insurance Agency in Augusta GA

At Budget Insurance Agency, we believe auto insurance should be affordable, easy, and tailored to your needs—no matter your driving record or budget.

From downtown Augusta to Fort Gordon and everywhere in between, we’re here to help you get the coverage you need at a price you can afford.

Start your free quote now

Or call us 478-788-9188 to speak with a local Augusta agent today.