Richmond County has 206,069 residents in 76,694 households. We list 4 agencies for accident & health insurance in Augusta. Here is what the local numbers say about the cover people here need.

Augusta at a glance

4accident & health insurance agencies listed
48.8%of households rentRenters insurance
$178,500median home valueHome insurance
1980median year homes were builtRebuild cost calculator
9.9%of households have no carAuto insurance
6.3%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Richmond County (the Census does not publish Augusta as a separate place). Agency count: our listings.

Natural hazard risk in Richmond County

FEMA rates the overall natural hazard risk in Richmond County, where most Augusta agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Georgia
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Georgia
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Georgia
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Georgia

Georgia requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Georgia How much liability cover do you need?

Source: oci.georgia.gov. Checked 2026-10-24.

Where Augusta agencies are

Augusta agencies we list sit in 3 ZIP codes, mostly in Richmond County.

309072 agencies
309011 agency
309041 agency

Questions

Accident & Health insurance in Augusta

All insurance agencies in Augusta · Accident & Health insurance across Georgia

Where can I find accident & health insurance in Augusta?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Do I need flood insurance in Augusta?

FEMA's National Risk Index rates inland flooding risk in Richmond County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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