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.
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
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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.
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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.
Travelers combines an Insurify Quality (IQ) Score of 4.3 out of 5 with reasonable rates and strong financial strength scores, making it the best overall car insurance option in Augusta.
If you’re looking for robust coverage, full-coverage policies from Travelers cost over $100 less than the city average. On average, drivers pay $150 per month for liability and $188 per month for full-coverage insurance. You can save even more when you take advantage of the company’s popular IntelliDrive telematics program, which rewards safe driving.
Pros
Highest IQ Score (4.3) of insurers in Augusta
A.M. Best rating of A++ (Superior)
Cons
Below-average J.D. Power customer satisfaction score in the Southeast region in the 2022 U.S. Auto Insurance Study[1]
Rideshare coverage not offered in Georgia (only available in Colorado and Illinois)
Augusta drivers looking for cheap car insurance from a top insurer should consider coverage from Progressive. At just $129 per month for liability and $160 per month for full-coverag, an insurance policy from this national brand can fit just about any budget. Plus, Progressive’s 4.1 IQ Score comes second only to Travelers in Augusta.
Pros
A.M. Best rating of A+ (Superior)
Plenty of available discounts for bundling and more
Cons
Below-average J.D. Power customer satisfaction score in the Southeast region in the 2022 U.S. Auto Insurance Study
Customer ratings of 1.07 out of 5 on the Better Business Bureau (BBB) site
Safeco provides the cheapest average liability-only quote in Augusta, at $112 per month. And, at $233 per month, the company’s average full-coverage option also falls comfortably under the city average. Drivers don’t have to sacrifice quality for the price, either, as Safeco’s 3.8 IQ Score outpaces several other insurers in the area.
Pros
A.M. Best rating of A (Excellent)
RightTrack telematics program offers additional savings
Cons
Fewer available discounts than some insurers
Slightly below-average J.D. Power customer satisfaction score in the Southeast region in the 2022 U.S. Auto Insurance Study
Best car insurance in Augusta for low-mileage commuters: Mile Auto
As a commuter, you might want to purchase some extra vehicle protection beyond liability coverage. Mile Auto offers one of the lowest average full-coverage rates in the city, at $117 per month. And liability-only coverage from Mile Auto costs $133 per month.
Opting for a full-coverage policy that covers you in the event of a collision or severe weather often makes sense for commuters. If you have a short commute, Mile Auto’s pay-per-mile service can help you save on coverage.
Pros
No in-car device to track mileage or driving behavior
Pay-per-mile coverage offers additional savings for those driving less than 10,000 miles a year
Cons
Pay-per-mile coverage could lead to higher costs
No advertised discounts
Best car insurance in Augusta for families: Midvale Home & Auto
Midvale Home & Auto makes it affordable to insure the whole family with family-friendly discounts, including multi-vehicle, home and auto bundling, and student away-at-school discounts. These extra savings make your coverage even cheaper.
On average, drivers pay liability-only rates of $152 per month. Full-coverage insurance costs more, at $253 per month.
Pros
Plenty of available discounts suited for families
A.M. Best rating of A (Excellent)
Cons
Telematics program not available
One of the lower IQ Scores (3.2)
Best car insurance in Augusta for students: Liberty Mutual
Liberty Mutual offers a good student discount and a student away-at-school discount, making it a solid choice for college students. Plus, students can save up to 30% when they sign up for the RightTrack telematics program. This usage-based program can help students living on campus who don’t drive on a daily basis save money.
On average, Liberty Mutual policyholders pay $159 per month for liability and $279 per month for full-coverage insurance.
Pros
Several student-friendly discounts
Infrequent and safe drivers can save with the RightTrack telematics program
Cons
More expensive full-coverage rates than other companies
Above-average number of customer complaints on the National Association of Insurance Commissioners (NAIC) complaint index
Best car insurance in Augusta for business owners: Mercury
Mercury offers robust commercial auto insurance for business owners who need to insure company vehicles. No two businesses operate in the exact same way, but Mercury provides flexible commercial insurance products that cover a variety of industries and vehicle types, from vans to box trucks.
On average, Mercury policyholders pay $194 per month for liability and $231 per month for full-coverage insurance.
Pros
Plenty of available coverages for a diverse range of businesses
Below-average number of customer complaints on the NAIC complaint index
Cons
Fewer available discounts for commercial auto policies
B- grade from the BBB and 1.17 stars from customer ratings
Best car insurance in Augusta for rideshare drivers: Elephant
Many rideshare drivers aren’t covered at all times on the job, such as when you’re on the app but haven’t yet accepted a ride. The rideshare endorsement from Elephant fills this coverage gap for drivers who work with Uber, Lyft, and other rideshare services. You can add this endorsement to an affordable personal policy.
On average, customers pay $175 per month for liability and $224 per month for full-coverage insurance.
Pros
One of only a handful of companies offering rideshare coverage
Below-average number of customer complaints on the NAIC complaint index
Cons
Coverage for limousines, buses, and large vans not available
Customers can’t file claims on a mobile device
Find Cheap Car Insurance in Augusta, Georgia
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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.[2]
“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
Average Monthly Quote
Average Monthly Quote
Average Monthly Quote
Average Monthly Quote
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.[3] 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.
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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 companiesin 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.[4]
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.
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
