Cheapest Auto Insurance in Augusta, Georgia (2026)
Auto-Owners is the cheapest car insurance company in Augusta, with monthly liability rates as low as $68.
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Elizabeth RivelliFreelance Insurance Writer
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Auto, home, health, and life insurance expertise
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Ashley CoxSenior Managing Editor
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
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The overall average cost of car insurance in Augusta, Georgia, is $194 per month. Drivers in Augusta pay slightly cheaper rates than Georgia’s overall average of $209 per month.
Car insurance rates in Augusta could be less expensive because of the city’s inland location, where severe weather is less common. Additionally, Augusta has a lower population density than some other Georgia cities, like Atlanta.
Here’s what you need to know about comparing car insurance quotes and finding cheap car insurance in Augusta.
Quick Facts
Auto-Owners, State Farm, and Country Financial have the cheapest car insurance in Augusta.
Augusta drivers pay $146 per month for liability insurance and $241 per month for full-coverage insurance, on average.
Full-coverage car insurance in Augusta costs an average of $2,892 per year.
3 of the cheapest car insurance companies in Augusta
Many car insurance companies sell coverage in Augusta. But the best insurer for you will depend on your individual situation. If you’re shopping for car insurance in Augusta, it’s important to compare several companies to find the best option for your insurance needs.
You can start your search with the three companies below; rates shown in the table are statewide rates for Georgia.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Hugo | 6.3 | N/A | $274 | Cheap rates |
| Auto-Owners | 8.2 | $133 | $73 | Coverage options |
| State Farm | 9.3 | $143 | $79 | Customer satisfaction |
Disclaimer: Table data sourced from real-time Augusta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Augusta may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Hugo
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| 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. | $274/mo |
4.6
Best choiceBased on 215 verified driver reviews and ratings
Hugo's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.2 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 68 Hugo reviews
Verified Purchase
Reviewed in Alabama on April 24, 2026
It's the thought of knowing you are covered and still saving your wallet.
Verified Purchase
Reviewed in Illinois on April 2, 2026
They are convenient for most of your needs! They have great prices for what you're looking for.
Verified Purchase
Reviewed in Illinois on March 21, 2026
I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not ratedA.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).
NRWhy we picked this company
Hugo has some of the cheapest average car insurance rates in Augusta. The company operates entirely online and offers more flexible coverage than traditional insurance companies. You can get coverage for as little as three days and pause your coverage when you don’t need it. Three plans are available — Flex, Unlimited Basic, and Unlimited Full — which provide varying amounts of coverage based on your needs. And unlike most insurers, there’s no down payment required and you can pay as you go.
Pros
No down payment required
Flexible payment options and coverage
Cons
No in-person agents
Few endorsements and discounts
Best insurer for coverage options: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| 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. | $68/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. | $123/mo |
4.3
Best choiceBased on 333 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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++Why we picked this company
If you want to customize your car insurance policy, Auto-Owners is a great insurer to consider. Auto-Owners offers a big selection of add-on insurance coverage, including rental car coverage, accident forgiveness, gap insurance, a common loss deductible waiver, diminished value coverage, and additional expenses coverage. The company also has many discounts, with savings for policy bundling, paying in full, getting a quote in advance, having no prior claims, and insuring a safe vehicle. Additionally, several discounts are available for young drivers.
Pros
Good selection of endorsements
Multiple discounts for potential savings
Cons
Must work with an agent to get a quote and buy coverage
Below-average J.D. Power customer satisfaction rating in the Southeast region
Best insurer for customer satisfaction: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $72/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. | $132/mo |
4.0
Best choiceBased on 17,534 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 Georgia reviews for Augusta driversSee all 7,460 State Farm reviews
Verified Review
Reviewed in Georgia on April 28, 2026
I think State Farm is one of the top insurance companies for auto.
Verified Review
Reviewed in Georgia on April 27, 2026
It's good except they keep hounding me about the drive safe program. I am pretty much homebound but they don't seem to believe me.
Verified Review
Reviewed in Georgia on April 24, 2026
State Farm is expensive for what they offer. For my 1966 truck, they wanted more per month than for my 2015 Ford Escape. I found a better deal for a year than their one-month premium.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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++Why we picked this company
State Farm stands out for its excellent customer satisfaction. In J.D. Power’s 2023 U.S. Auto Insurance Study, State Farm was rated above average for overall customer satisfaction in the Southeast region. It also has an A++ financial strength rating from AM Best, which is the highest score possible. Drivers in Augusta can take advantage of 12 different discounts from State Farm. The company has savings for smart students, accident-free drivers, taking a defensive driving course, insuring a safe vehicle, enrolling in a safe driver rewards program, and several others. But State Farm offers limited endorsements compared to some of its competitors.
Pros
Highly rated for overall customer satisfaction
Good selection of discounts
Cons
Few endorsements available
Doesn’t offer gap insurance to most drivers
How to get the cheapest car insurance in Augusta
Drivers in Augusta can lower their car insurance premiums in a variety of ways. Here are some tips for getting cheap car insurance in Augusta:[1]
Raise your deductibles. For car insurance policies that have a deductible, such as collision insurance, choosing a higher deductible will lower your monthly premium.
Improve your credit. In Georgia, improving your credit may help you get a more affordable auto insurance premium.
Maintain a clean driving record. Most insurers in Augusta offer a discount to people who maintain a clean driving record and have no recent accidents or tickets.
Bundle your policies. You can typically save money on car insurance when you bundle two or more insurance products with the same company, like car insurance and home insurance, life insurance, or renters insurance.
Find Cheap Car Insurance in Augusta
Liability rates start as low as $68 per month
Excellent
4.7 out of 5 based on 13,964 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Augusta: Auto-Owners
Liability-only insurance is required in Georgia. It covers another person’s bodily injuries and property damage, but it provides no coverage for your injuries or vehicle.
Liability-only coverage in Augusta costs an average of $146 per month.
Here are the cheapest car insurance companies in Augusta for liability-only insurance:
The below rates in Augusta, GA, are estimated rates current as of: Monday, April 27 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $68 |
| State Farm | $72 |
| Country Financial | $74 |
| Allstate | $80 |
| Mile Auto | $82 |
| USAA | $84 |
| Progressive | $105 |
| Mercury | $114 |
| Root | $135 |
| Bristol West | $136 |
| GEICO | $137 |
| GAINSCO | $141 |
| Clearcover | $142 |
| Direct Auto | $144 |
| The General | $154 |
| AssuranceAmerica | $156 |
| National General | $162 |
| Safeco | $165 |
| Trexis One | $165 |
| Mendota | $171 |
| Nationwide | $175 |
| First Acceptance | $178 |
| Trexis | $182 |
| Liberty Mutual | $293 |
Disclaimer: Table data sourced from real-time Augusta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Augusta may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Augusta: Auto-Owners
Full-coverage car insurance provides more protection than liability-only insurance. A standard full-coverage auto policy includes liability insurance, collision insurance, comprehensive insurance, and medical expenses insurance. Full coverage is optional for most drivers, but it’s typically a lender requirement if you lease or finance your car.
Augusta drivers pay a monthly average of $241 for full-coverage insurance.
In the table below, you can see which car insurance companies in Augusta have cheap auto insurance rates for full coverage:
The below rates in Augusta, GA, are estimated rates current as of: Monday, April 27 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $123 |
| State Farm | $132 |
| Country Financial | $134 |
| Mile Auto | $141 |
| Allstate | $145 |
| USAA | $154 |
| Mercury | $195 |
| Root | $205 |
| Progressive | $209 |
| Safeco | $219 |
| Direct Auto | $250 |
| National General | $253 |
| AssuranceAmerica | $257 |
| Clearcover | $257 |
| GEICO | $260 |
| Bristol West | $272 |
| GAINSCO | $290 |
| Mendota | $310 |
| Trexis One | $316 |
| Nationwide | $319 |
| The General | $325 |
| Trexis | $343 |
| First Acceptance | $346 |
| Liberty Mutual | $352 |
Disclaimer: Table data sourced from real-time Augusta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Augusta may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Augusta, Georgia drivers
Recent Augusta, Georgia car insurance prices for Nissan, GMC, Acura, and more.
*Quotes generated for Insurify users in and around Augusta, Georgia within the last 10 days. Last updated on April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Augusta, Georgia within the last 10 days. Last updated on April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Georgia
In Augusta, vehicle owners must carry a minimum amount of car insurance to register their cars and drive legally. The minimum coverage limits are 25/50/25 in liability insurance, which kicks in when you cause an accident that results in someone else’s injuries or property damage.[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
In addition to liability insurance, many drivers in Augusta can benefit from adding endorsements to their policy. Endorsements can fill gaps in your standard policy and provide more peace of mind. Some common add-ons include:
Gap coverage
If you lease or finance your vehicle and have negative equity, gap insurance can be beneficial. If your vehicle gets totaled or stolen, this coverage pays the difference between the car’s value and the amount you still owe.
Accident forgiveness coverage
Accident forgiveness waives your first at-fault collision so it doesn’t affect your premium. This add-on policy is often only available to drivers with a clean record and accident history.
Roadside assistance coverage
Roadside assistance coverage helps pay for basic roadside vehicle services, such as flat-tire changes, fuel delivery, battery replacements, and towing.
Georgia Automobile Insurance Plan
Drivers in Augusta who aren’t able to purchase car insurance through the voluntary marketplace can get coverage from the Georgia Automobile Insurance Plan. This plan can be a good alternative for people who have been denied car insurance because of their credit history, vehicle type, or driving history.
Cheapest car insurance for drivers with an incident
Drivers with incidents on their record, such as speeding tickets, at-fault accidents, and other traffic violations, usually pay higher car insurance rates than people with a clean record. More serious violations, like driving under the influence, often have the biggest effect on rates.
Having traffic incidents on your record makes you riskier to insure, so insurance companies charge higher rates to offset the increased risk of a claim. But the cost of car insurance for drivers with an incident will also depend on their insurer.
Shop for Car Insurance in Augusta, GA
Monthly rates start at $87 for drivers with an incident
Excellent
4.7 out of 5 based on 13,964 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Drivers with a speeding ticket on their record often pay slightly higher insurance rates than drivers with a clean record. If you get pulled over for speeding, insurers assume that there’s a risk you’ll speed again, which endangers other drivers on the road.
In Augusta, the average cost of car insurance for drivers with a speeding ticket is $303 per month for full coverage and $184 per month for liability-only coverage.
These are the cheapest car insurance companies in Augusta for drivers with a speeding ticket on their record:
The below rates in Augusta, GA, are estimated rates current as of: Monday, April 27 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $68 | $89 |
| State Farm | $72 | $92 |
| Mile Auto | $82 | $100 |
| Country Financial | $74 | $101 |
| Allstate | $80 | $104 |
| USAA | $84 | $109 |
| Progressive | $105 | $132 |
| Mercury | $114 | $158 |
| GAINSCO | $141 | $169 |
| Bristol West | $136 | $172 |
| GEICO | $137 | $180 |
| Root | $135 | $181 |
| Direct Auto | $144 | $182 |
| Clearcover | $142 | $182 |
| AssuranceAmerica | $156 | $199 |
| National General | $162 | $203 |
| The General | $154 | $207 |
| Trexis One | $165 | $208 |
| Mendota | $171 | $215 |
| Safeco | $165 | $217 |
| First Acceptance | $178 | $224 |
| Nationwide | $175 | $228 |
| Trexis | $182 | $229 |
| Liberty Mutual | $293 | $374 |
Disclaimer: Table data sourced from real-time Augusta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Augusta may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Getting into an accident can have a significant effect on your car insurance premium, unless you have accident forgiveness. The rate increase after an at-fault accident often depends on the type of accident and severity of the accident, as well as your insurer.
Augusta drivers with an accident pay monthly averages of $201 for liability coverage and $333 for full coverage.
In the table below, you can see which car insurance companies in Augusta have the cheapest rates for drivers with an at-fault accident:
The below rates in Augusta, GA, are estimated rates current as of: Monday, April 27 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $68 | $92 |
| State Farm | $72 | $98 |
| Country Financial | $74 | $103 |
| Allstate | $80 | $110 |
| Mile Auto | $82 | $113 |
| USAA | $84 | $115 |
| Progressive | $105 | $145 |
| Mercury | $114 | $174 |
| Bristol West | $136 | $183 |
| GEICO | $137 | $184 |
| GAINSCO | $141 | $185 |
| Root | $135 | $185 |
| Direct Auto | $144 | $201 |
| Clearcover | $142 | $208 |
| AssuranceAmerica | $156 | $212 |
| The General | $154 | $217 |
| National General | $162 | $221 |
| Trexis One | $165 | $228 |
| Safeco | $165 | $235 |
| Mendota | $171 | $236 |
| Nationwide | $175 | $241 |
| First Acceptance | $178 | $246 |
| Trexis | $182 | $251 |
| Liberty Mutual | $293 | $398 |
Disclaimer: Table data sourced from real-time Augusta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Augusta may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Augusta drivers with a DUI on their record can expect to see a significant rate increase on their car insurance. A DUI conviction is one of the most serious violations, and people who drive while under the influence are among the riskiest to insure. In fact, some insurers may refuse to renew a client’s car insurance policy after a DUI.
Augusta drivers with a DUI pay $176 per month for minimum-coverage policies. The average cost of a full-coverage policy increases to $290 per month after a DUI.
Below are the cheapest car insurance companies in Augusta for drivers with a DUI:
The below rates in Augusta, GA, are estimated rates current as of: Monday, April 27 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $68 | $90 |
| State Farm | $72 | $95 |
| Country Financial | $74 | $95 |
| Allstate | $80 | $106 |
| Mile Auto | $82 | $108 |
| USAA | $84 | $111 |
| Progressive | $105 | $126 |
| Mercury | $114 | $160 |
| GEICO | $137 | $179 |
| Bristol West | $136 | $180 |
| Root | $135 | $180 |
| GAINSCO | $141 | $186 |
| Clearcover | $142 | $187 |
| Direct Auto | $144 | $190 |
| The General | $154 | $196 |
| Trexis One | $165 | $199 |
| Mendota | $171 | $206 |
| AssuranceAmerica | $156 | $206 |
| National General | $162 | $214 |
| First Acceptance | $178 | $214 |
| Trexis | $182 | $219 |
| Nationwide | $175 | $231 |
| Safeco | $165 | $232 |
| Liberty Mutual | $293 | $387 |
Disclaimer: Table data sourced from real-time Augusta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Augusta may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Senior drivers in Augusta usually pay slightly higher rates for car insurance compared to middle-aged adults. In general, car insurance premiums start to decrease around age 35 but increase again around age 70. Because older drivers are more likely to have changes in vision, mobility, and cognitive ability that can lead to unsafe driving, insurers consider them to be higher-risk.[3]
Senior drivers in Augusta pay $131 per month, on average, for liability-only insurance.
Here are the cheapest auto insurance companies in Augusta for senior drivers:
The below rates in Augusta, GA, are estimated rates current as of: Monday, April 27 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Auto-Owners | $99 | $55 |
| State Farm | $106 | $58 |
| Country Financial | $109 | $60 |
| Mile Auto | $114 | $66 |
| Allstate | $120 | $66 |
| USAA | $128 | $70 |
| Mercury | $159 | $93 |
| Root | $175 | $115 |
| Progressive | $188 | $95 |
| Safeco | $195 | $147 |
| National General | $204 | $130 |
| AssuranceAmerica | $206 | $125 |
| Direct Auto | $209 | $121 |
| GEICO | $211 | $111 |
| Bristol West | $232 | $116 |
| Clearcover | $233 | $129 |
| Nationwide | $250 | $137 |
| GAINSCO | $253 | $123 |
| Mendota | $279 | $154 |
| The General | $283 | $134 |
| Trexis One | $284 | $149 |
| Liberty Mutual | $300 | $249 |
| Trexis | $309 | $164 |
| First Acceptance | $311 | $160 |
Disclaimer: Table data sourced from real-time Augusta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Augusta may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teen drivers pay the highest car insurance rates in Augusta. Data shows that teen drivers have a higher risk of accidents than any other age group and are more likely to make critical driving errors that can lead to serious collisions.[4] Because teens lack experience behind the wheel, they pay the most expensive insurance premiums.
Car insurance for Augusta teens costs $254 per month for liability coverage and $419 for full coverage, on average.
But teen drivers can save money on car insurance in a few ways. For example, staying on a parent’s policy is cheaper than getting an individual policy. Additionally, many insurers offer discounts for young drivers who get good grades in school or enroll in a safe driver rewards program, like Steer Clear from State Farm.
These companies offer the cheapest car insurance for teens in Augusta:
The below rates in Augusta, GA, are estimated rates current as of: Monday, April 27 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Country Financial | $211 | $116 |
| Auto-Owners | $245 | $136 |
| State Farm | $251 | $137 |
| USAA | $279 | $152 |
| Allstate | $281 | $155 |
| Mile Auto | $285 | $166 |
| Root | $349 | $230 |
| Mercury | $349 | $204 |
| Progressive | $363 | $182 |
| Clearcover | $412 | $228 |
| Safeco | $436 | $328 |
| GEICO | $460 | $242 |
| Bristol West | $472 | $236 |
| Direct Auto | $476 | $274 |
| National General | $497 | $318 |
| GAINSCO | $508 | $247 |
| AssuranceAmerica | $521 | $316 |
| Mendota | $538 | $297 |
| Trexis One | $549 | $287 |
| The General | $571 | $270 |
| Trexis | $596 | $316 |
| First Acceptance | $601 | $309 |
| Liberty Mutual | $604 | $502 |
| Nationwide | $611 | $335 |
Disclaimer: Table data sourced from real-time Augusta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Augusta may vary based on the policy buyer's unique driver profile.
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Augusta car insurance quotes by credit tier
In Georgia, insurance companies can use credit-based insurance scores to calculate premiums. That means your credit history can affect the cost of your auto insurance. Because people with poor credit are considered riskier to insure, they usually pay higher premiums than drivers with good credit.
Below, you can see the average cost of car insurance in Augusta by credit tier:
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $190 |
| Good | $216 |
| Average | $237 |
| Poor | $344 |
Is car insurance more expensive in Augusta?
Car insurance is more expensive in Augusta compared to the U.S. national average. The overall average monthly premium in Augusta is $194, and the national average premium is $142 per month.
One reason behind Augusta’s high car insurance premiums is the number of uninsured drivers in the state. Georgia is No. 7 in the U.S. for the highest number of uninsured drivers.[5]
More cities in Georgia
The average cost of auto insurance depends on your city and ZIP code. Augusta’s average premiums fall somewhere in the middle compared to other large cities in Georgia.
For example, the average cost of car insurance in Atlanta is $285 per month, which makes it one of the most expensive cities in the state for car insurance. Macon residents also pay high premiums, with an average rate of $241 per month.
In the table below, you can see the average cost of car insurance in some of the largest cities in Georgia:
City | Liability Only | Full Coverage |
|---|---|---|
| Alpharetta | $167 | $255 |
| Athens | $130 | $225 |
| Atlanta | $222 | $347 |
| Columbus | $140 | $240 |
| Marietta | $187 | $280 |
| Savannah | $173 | $287 |
| Warner Robins | $152 | $242 |
Disclaimer: Table data sourced from real-time Augusta car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Augusta may vary based on the policy buyer's unique driver profile.
Augusta car insurance FAQs
If you’re shopping for affordable insurance in Augusta, Georgia, this additional information may help as you research your coverage options.
How much is car insurance in Augusta?
Car insurance in Augusta costs $146 per month for liability coverage and $241 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Augusta?
With monthly liability rates as low as $68, Auto-Owners has the cheapest car insurance in Augusta. Other affordable insurers in the city include State Farm and Country Financial, with respective monthly liability rates of $72 and $74.
But the cheapest company for you will depend on many factors, including your age, ZIP code, type of car you drive, and coverage levels you choose.
What are the best car insurance companies in Augusta?
With an IQ Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and above-average J.D. Power customer satisfaction scores, State Farm is one of the best car insurance companies in Augusta.
Other top insurers in the city include Auto-Owners and Hugo. But you should compare quotes from at least three insurers to find the best coverage for you.
How much is car insurance per month in Georgia?
Car insurance in Georgia costs an average of $157 per month for liability coverage and $261 per month for full coverage.
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Georgia Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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