Best Insurance Agents in Augusta, GA (2026)
Insurance is one of those things you ignore until you desperately need it. Finding the right agent in Augusta means someone who actually picks up the phone when you have a claim, not just when they're selling a policy. Here are the best insurance agents in Augusta, ranked by ratings and reviews from real customers.
Last updated: March 20, 2026
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The Local Take
The biggest decision in Augusta insurance is independent vs. captive agent. Cole Hixon and Hardin Insurance are independent — they shop 10+ carriers to find your best rate. State Farm agents like Shane Dekle and Peyton Pettus offer one carrier but with strong brand backing and claims support. For most Augusta residents, an independent agent saves money because they can compare. For Augusta University students: you need renters insurance. Your parents' homeowners policy might cover you, but probably doesn't cover your roommate's stuff or your liability. A basic renters policy runs $15-25/month and protects against fire, theft, and liability. Augusta has had apartment fires near campus — don't skip this. Homeowners in Augusta should also know that flood insurance is separate from homeowners insurance. If you're near the Oconee River or in a low-lying area, get a flood policy through your agent.
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Frequently Asked Questions
Who has the cheapest auto insurance in Augusta, GA?
Direct Auto Insurance and Velox Insurance typically offer the lowest auto insurance rates. For the best rate across multiple carriers, use an independent agent like Cole Hixon Insurance.
Do I need renters insurance in Augusta?
Yes. A renters policy costs $15-25/month and covers your belongings against fire, theft, and water damage. Many Augusta apartment complexes near Augusta University require it in the lease.
What is the best insurance company in Augusta, GA?
Cole Hixon Insurance leads with a perfect 5.0 rating and 232 reviews. Peyton Pettus (State Farm) also has a perfect 5.0 with 175 reviews. Both provide excellent service with different approaches.
How much is homeowners insurance in Augusta, GA?
Average homeowners insurance in Augusta runs $1,200-2,000/year depending on home value, age, and coverage. Older homes near downtown may cost more due to replacement cost factors.
Can I get SR-22 insurance in Augusta?
Yes. Velox Insurance and Direct Auto Insurance both handle SR-22 filings in Augusta. An SR-22 is required after certain violations and typically adds $20-50/month to your premium.