News Summary
Residents of Augusta are discovering cost-effective auto insurance solutions, with Country Financial leading the pack by offering liability insurance for $33 per month and full coverage for $62. Other competitive rates from insurers like Auto-Owners and Farm Bureau also make it easier for drivers to find affordable coverage. The report highlights how traffic violations can significantly impact premiums, providing critical insights for consumers navigating local insurance options.
Augusta, GA – Residents in Augusta can find the most economically viable auto insurance options with Country Financial. This company leads the way by offering the cheapest liability insurance at $33 per month and full coverage insurance at $62 per month. The recent findings reveal a variety of competitive options for drivers looking for affordable insurance while navigating the local roadways.
Competitive Insurance Rates in Augusta
Alongside Country Financial, several other insurance providers also offer competitive rates for liability insurance in Augusta. Auto-Owners Insurance Co follows closely with a premium of $36, while Farm Bureau charges $46. Other notable options include Georgia Farm Bureau and Mercury, both of which have premiums at $49.
For those seeking full coverage insurance, the landscape remains similarly competitive. After Country Financial, Auto-Owners Insurance Co presents the next most affordable option at $81. Following that are Farm Bureau at $109 and Georgia Farm Bureau at $120. Notably, premiums can go higher, as Auto-Owners reaches $146 for full coverage offerings.
Impact of Traffic Violations on Premiums
Drivers should also be aware of how traffic violations can significantly affect insurance premiums. In Augusta, the specific increases due to violations can vary considerably depending on the type of infraction and the local regulations imposed by insurers. Common driving violations lead to notable changes in the average auto insurance rates in the area.
The average insurance rate for a driver without any violations stands at $210. However, this amount can rise sharply based on infractions:
- Not-at-fault accident: $212
- Failure to wear a seat belt: $253
- Speeding 6 – 10 MPH over limit: $266
- Speeding 21 – 25 MPH over limit: $271
- DUI: $388
- Reckless driving: $373
- Driving with a suspended license: $383
- Leaving the scene of an accident/hit and run: $398
Research Methodology
The analysis of insurance rates is based on research conducted by a data team utilizing millions of rate averages across various U.S. ZIP codes. The findings arose from collating public and internal data primarily sourced from insurers’ filings. These data points serve as a benchmark for comparative purposes, enabling residents to make informed decisions about auto insurance options. For those seeking additional details on car insurance rates, further information can be found in the source material.
Broader Context
The report emphasizes ongoing trends in car insurance rates throughout Augusta. As residents continue to seek out the best deals in these challenging economic times, understanding the nuances of insurance pricing can empower consumers to select the best policies to fit their financial situations. With a variety of coverage options available, Augusta drivers have the opportunity to identify the plans that align with their needs.
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Additional Resources
- News Journal: Car Insurance Rates in Augusta
- Griffin Daily News: Car Insurance Rates in Augusta
- Online Athens: Georgia Car Insurance Costs
- ValuePenguin: Best Cheap Homeowners Insurance in Georgia
- WRDW: Homeowners Feel Ignored by Insurance Companies
- Wikipedia: Car Insurance
- Google Search: Car insurance rates in Augusta
- Encyclopedia Britannica: Insurance
- Google News: Augusta car insurance
- Google Scholar: Auto insurance rate factors
