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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Drivers in Augusta pay an average of $200 per month for liability-only insurance and $283 per month for full-coverage insurance — an overall monthly average of $241. While affordable car insurance rates can seem hard to find in Georgia, Augusta drivers pay some of the lowest rates in the state.
The best car insurance combines affordable rates, high-quality service, and robust coverage. Your ideal coverage varies based on your insurance needs and budget.
Here’s what you need to know about finding coverage in Augusta, including the best insurer options for different types of drivers and tips for saving on your next policy.
Quick Facts
On average, drivers in Georgia pay $238 a month for liability and $348 a month for full-coverage insurance.
Safeco offers the cheapest liability-only quote in Augusta, at $112 a month on average.
Comparing quotes from multiple insurers helps you find the cheapest coverage available for you.
Find Cheap Car Insurance in Augusta, Georgia
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Best car insurance companies in Augusta
The best car insurance company will vary from person to person. Companies offer different rates and coverage packages, so certain insurers may work best for particular categories of drivers, like commuters, students, or rideshare drivers. Regardless of your coverage needs, you can find a reliable insurer with low rates and quality coverage.
Car Insurance Company
Best For
Average Monthly Quote: Liability Only
Insurify Quality Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$147/mo
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$90/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$135/mo
Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Cons
Higher-than-expected amount of complaints
Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking
My premiums continue to increase. I have no tickets and no accidents.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$108/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$181/mo
Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Cons
Limited number of discounts
Customer reviews indicate room for improvement in customer service
They are really patient over the phone, and anytime I can change something on my policy online.
Mildred - August 30, 2023
Verified
Concern-free claims processing.
Billy - August 26, 2023
Verified
My rates have risen twice since being with them with no notice. They also screwed up my account by using the wrong Vin number.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$161/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$216/mo
Owned by American Family Insurance, Midvale offers auto and home insurance. In addition to liability, collision and comprehensive coverages, Midvale also offers gap insurance, rental car reimbursement, and roadside assistance. Discounts are pretty standard for the industry, including good student, multi-vehicle, multi-product, and pay-in-full discounts. Midvale as an excellent (A) rating from A.M. Best for financial stability. Customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index are only slightly higher than expected for the industry.
Pros
Backed by the financial strength of American Family
Optional gap insurance and roadside assistance available
Cons
Can’t get a quote online – must call an agent
Poor customer reviews with Better Business Bureau
Best car insurance in Augusta for students: Liberty Mutual
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$121/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$214/mo
In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Pros
Wide range of available discounts
Accident forgiveness available
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
I don’t like talking to a computer. I’m a one-on-one kind of person.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$115/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$172/mo
Mercury is a 62-year-old insurance company that sells auto, home, condo, renters, and business insurance. In addition to standard car insurance coverage types, Mercury also offers rental car reimbursement, roadside assistance, rideshare insurance, and more. Mercury customers can save with multiple discounts, and the opportunity to bundle their auto insurance with home or renters coverage. The compay has an A rating from A.M. Best for financial stability. Mercury has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index. However, J.D. Power ranked the company fourth incustomer satisfaction in California.
Pros
Numerous coverage options, discounts, and bundling opportunities
Competitive auto insurance prices
Cons
Only available in 11 states (including California)
Only available in 11 states (including California)
Liability-only vs. full-coverage insurance in Augusta
The state of Georgia requires all drivers to carry liability auto insurance, which covers the other driver’s repairs and medical expenses if you cause an accident. Georgia requires a minimum of $25,000 per driver and $50,000 per accident in bodily injury liability, as well as $25,000 per accident in property damage liability.[1]
“If you have an older car, you might consider dropping collision and comprehensive coverage and just having liability insurance,” says Loretta Worters, vice president of media relations at the Insurance Information Institute.
Many drivers add collision coverage to pay for damage to their car after an accident and comprehensive coverage to cover vandalism or weather-related damage to their car. Policies that include collision and comprehensive coverage are known as full-coverage insurance. These robust policies work well for drivers with expensive vehicles that they want to protect.
“The greater the value of your assets, the more you stand to lose,” says Worters. “So it’s important to know what your assets are and protect yourself financially.”
The best insurers in Augusta all offer rates below the state average for liability-only and full-coverage insurance. In most cases, rates increase when you move from liability to full coverage. Safeco, Progressive, and Mile Auto offer the cheapest liability-only options.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Georgia car insurance rates by driving and accident history
Drivers with infractions on their record, such as speeding tickets, DUIs, or at-fault accidents, pay more for car insurance on average. DUIs tend to cause the highest increases, though multiple at-fault accidents can also raise rates significantly.
Mile Auto and Progressive provide the cheapest average full-coverage rates for drivers with infractions on their record.
Car Insurance Company
Clean Record
At-Fault Accident
With a DUI
Speeding Ticket
Safeco
$223
$319
$444
$299
Progressive
$160
$228
$318
$214
Mile Auto
$117
$168
$233
$157
AssuranceAmerica
$195
$279
$389
$262
Travelers
$188
$268
$373
$251
Midvale Home & Auto
$253
$362
$503
$339
Clearcover
$217
$311
$432
$291
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Augusta car insurance quotes by credit tier
Georgia is one of many states that allow car insurance companies to consider your credit score when determining rates. Drivers with poor credit scores pay more for car insurance on average. Insurers see these drivers as less likely to pay claims on time or at all, so they charge them more to offset those risks.
Drivers with excellent or good credit scores pay less for car insurance compared to drivers with bad credit. Maintaining a high credit score is one of the best ways to save on car insurance in Augusta.
Augusta car insurance rates by driver age
Age is one of the more significant factors that affects insurance rates. Young drivers pay the most for car insurance on average, but rates tend to decrease with age.
Augusta’s age-related car insurance trends reflect this, with teenagers and drivers younger than 25 paying by far the most. Fortunately, Augusta drivers see car insurance rates decrease substantially by the time they hit their 40s and 50s.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Augusta?
The average American pays $212 per month for car insurance, according to Insurify’s data. Augusta’s overall average car insurance rate is $241 per month — about 13% higher than the national average.
Car insurance rates vary by ZIP code. For instance, cities whose residents have more disposable income tend to have higher rates, on average. Additionally, cities with high population density see more accidents, which increases rates in the area.[2] Augusta drivers pay some of the lowest car insurance rates in the state.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Each driver has different needs when it comes to car insurance. Luckily, Augusta drivers have a wide range of car insurance companies to choose from. Before you choose a policy, consider the following factors that influence your car insurance coverage:
Your vehicle type: If you drive an expensive new car, it might make sense to add additional coverage to protect your financials. More expensive cars usually cost more to insure.
Your driving habits: Do you have a long daily commute? Or do you only drive occasionally? If you don’t drive often, you might want a usage-based insurance plan that rewards infrequent driving.
Your location: Augusta experiences some severe weather and received nearly four feet of total rainfall in 2022. Augusta drivers should consider full-coverage insurance to prepare for whatever the forecast brings.
Several factors affect your car insurance rates, such as your age, gender, marital status, vehicle type, driving history, and ZIP code. When looking at car insurance quotes and purchasing a policy, you can a few simple steps to earn savings:
Research discounts. Almost all car insurance companies offer discounts. Many reward drivers for safe driving, investing in car safety features, or taking a defensive driving course. Look on your insurer’s website or speak to your car insurance agent to find out which discounts you qualify for.
Pick the right car. Car insurance companies see flashy sports cars as a greater risk for accidents and future claims. They offset these risks by charging higher premiums to these drivers. Choose a more modest car if you want to save on car insurance.
Raise your deductible. Higher deductibles generally lead to lower monthly premiums. Assess your financial situation before deciding to raise your deductible, because a higher deductible means you pay more out of pocket in the event of a covered loss.
Shop around and compare. Most car insurance experts recommend receiving quotes from at least three different car insurance companies before choosing a policy.
Find Cheap Car Insurance in Augusta, Georgia
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Augusta car insurance FAQs
Finding cheap car insurance can feel stressful. The information below should help you navigate the process of buying coverage in Augusta, Georgia.
Who has the cheapest car insurance in Augusta?
The cheapest car insurance companies in Augusta for liability coverage include Safeco ($112/mo), Progressive ($129/mo), and Mile Auto ($133/mo). You can purchase affordable full-coverage insurance from Mile Auto ($117/mo), Progressive ($160/mo), and Travelers ($188/mo). Comparing quotes from multiple companies is the best way to find the cheapest car insurance for your situation.
How much is car insurance in Augusta?
Drivers in Augusta pay an average of $200 per month for liability-only car insurance and $283 per month for full-coverage insurance. These rates are $38 and $65 cheaper than the Georgia car insurance averages, respectively. Georgia policyholders pay car insurance rates significantly higher than the national average of $212 per month.
What are the best car insurance companies in Augusta?
Travelers has the highest IQ Score of the best insurers in Augusta and earned an A++ (Superior) financial strength rating from A.M Best. Augusta drivers pay an average of $150 per month for liability-only insurance from Travelers, making it the best car insurance in the city. Progressive (4.1) and Liberty Mutual (3.8) have the next highest IQ Scores in the city and also offer competitive rates.
What are the pros and cons of living in Augusta, GA?
Augusta is a centrally located city, only a few hours from scenic mountains to the North and lovely beaches to the South. While Augusta’s drivers have plenty of options for road trips, they tend to pay higher car insurance rates. Many factors can cause an area to have higher insurance costs, including accident rates, traffic density, state laws, and repair costs.
Is Augusta within a no-fault state?
No. Georgia is an at-fault state. This means that after an accident, the at-fault driver’s liability insurance will cover the other driver’s repairs and medical expenses. For example, if you rear-end the car in front of you, your liability insurance will cover repairs to that car and any of the motorist’s resulting medical bills.[3]
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Travelers
Progressive
Safeco
Midvale Home & Auto
Liberty Mutual
Mercury
