Cheapest Auto Insurance in Augusta, Georgia (2024)

Hugo is the cheapest car insurance company in Augusta, with monthly liability rates as low as $55.

Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated May 23, 2024

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Cheapest recent rates near Augusta, Georgia

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $68/mo for full coverage in Augusta and other Georgia cities.

*Quotes generated for Insurify users in and around Augusta, Georgia within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. 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 May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The overall average cost of car insurance in Augusta, Georgia, is $189 per month. Drivers in Augusta pay slightly cheaper rates than Georgia’s overall average of $193 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 quotes and finding cheap car insurance in Augusta.

Quick Facts
  • Hugo, Auto-Owners, and State Farm have the cheapest car insurance in Augusta.

  • Augusta drivers pay $144 per month for liability insurance and $235 per month for full-coverage insurance, on average.

  • Full-coverage car insurance in Augusta costs an average of $2,820 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
Hugo3.5$73$56Cheap rates
Auto-Owners4.3$97$65Coverage options
State Farm4.6$104$70Customer satisfaction
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.
  • Our editorial team spent 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. 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.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: Hugo

Compare personalized, real-time quotes
IQ 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.
3.5
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).
NR
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.
$55/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.
$87/mo

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

Read our Hugo review
David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

Marlee - May 11, 2024
Verified

Great

I loved the pay options, such as daily, weekly, etc. That was great! However, if I wanted comprehensive or collision coverage, they don't offer it in Indiana.

Best insurer for coverage options: Auto-Owners

Compare personalized, real-time quotes
IQ 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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$63/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.
$95/mo

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

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for customer satisfaction: State Farm

Compare personalized, real-time quotes
IQ 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.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$101/mo

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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

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 $55 per month

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Cheapest liability-only car insurance in Augusta: Hugo

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 $144 per month.

Here are the cheapest car insurance companies in Augusta for liability-only insurance:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo55
Auto-Owners63
State Farm68
COUNTRY Financial69
Allstate75
Mile Auto75
USAA80
Progressive92
Safeco95
State Auto97
Mercury109
GEICO110
Clearcover117
National General130
Elephant134
Liberty Mutual134
Direct Auto135
AssuranceAmerica137
GAINSCO149
Midvale Home & Auto152
Nationwide165
Infinity196
The General205
Bristol West228
Foremost244
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.

Cheapest full-coverage car insurance in Augusta: Hugo

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 $235 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 are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo87
Auto-Owners95
State Farm101
COUNTRY Financial103
Allstate111
USAA119
Mile Auto123
Safeco154
Progressive155
GEICO165
Mercury174
Elephant189
State Auto208
Clearcover215
Midvale Home & Auto228
AssuranceAmerica236
Liberty Mutual239
Nationwide246
Direct Auto256
National General268
Foremost298
GAINSCO304
The General350
Infinity360
Bristol West443
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.

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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage helps pay for basic roadside vehicle services, such as flat-tire changes, fuel delivery, battery replacements, and towing.

  • illustration card https://a.storyblok.com/f/162273/150x150/38ee27af9e/states_georgia.svg

    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 $73 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Hugo

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 $341 per month for full coverage and $209 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 are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo5576
Auto-Owners6382
State Farm6888
COUNTRY Financial6992
Allstate7598
Mile Auto75105
USAA80104
Progressive92120
Safeco95126
State Auto97138
Mercury109152
GEICO110144
Clearcover117154
National General130187
Elephant134193
Liberty Mutual134193
Direct Auto135178
AssuranceAmerica137183
GAINSCO149215
Midvale Home & Auto152205
Nationwide165217
Infinity196266
The General205271
Bristol West228295
Foremost244351
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.

Cheapest car insurance for drivers with an at-fault accident: Hugo

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 $219 for liability coverage and $357 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 are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Hugo5573
Auto-Owners6386
State Farm6893
COUNTRY Financial6998
Allstate75103
Mile Auto75113
USAA80110
Progressive92129
Safeco95127
State Auto97147
Mercury109159
GEICO110152
Clearcover117171
National General130178
Elephant134182
Liberty Mutual134201
Direct Auto135190
AssuranceAmerica137189
GAINSCO149199
Midvale Home & Auto152220
Nationwide165229
Infinity196266
The General205288
Bristol West228309
Foremost244366
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.

Cheapest car insurance for drivers with a DUI: Hugo

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 $247 per month for minimum-coverage policies. The average cost of a full-coverage policy increases to $404 per month after a DUI.

Below are the cheapest car insurance companies in Augusta for drivers with a DUI:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Hugo5593
Auto-Owners63107
State Farm68115
COUNTRY Financial69117
Allstate75127
Mile Auto75116
USAA80136
Progressive92156
Safeco95161
State Auto97165
Mercury109168
GEICO110187
Clearcover117199
National General130221
Elephant134228
Liberty Mutual134228
Direct Auto135229
AssuranceAmerica137233
GAINSCO149253
Midvale Home & Auto152258
Nationwide165280
Infinity196333
The General205348
Bristol West228387
Foremost244414
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.

Cheapest car insurance for seniors: Hugo

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 $111 per month, on average, for liability-only insurance.

Here are the cheapest auto insurance companies in Augusta for senior drivers:

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Hugo6038
Auto-Owners7248
State Farm7551
COUNTRY Financial7853
Allstate8658
Mile Auto9055
USAA9161
Progressive10764
Safeco12074
Mercury12679
GEICO12784
Elephant144102
State Auto15572
Clearcover16590
Midvale Home & Auto167111
AssuranceAmerica173100
Nationwide177119
Liberty Mutual182102
Direct Auto190100
National General208101
Foremost224184
GAINSCO240117
Infinity262143
The General277162
Bristol West343176
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.

Cheapest car insurance for teens: Hugo

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 $259 per month for liability coverage and $423 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 are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
COUNTRY Financial151101
Hugo15296
Auto-Owners163108
State Farm171115
Allstate194131
USAA197133
Mile Auto238145
GEICO259173
Progressive280166
Elephant312221
Mercury316198
Safeco322199
State Auto368172
Midvale Home & Auto397264
Clearcover418227
Nationwide420282
AssuranceAmerica438254
Liberty Mutual444249
Direct Auto467246
National General499242
Foremost527432
GAINSCO544266
The General567332
Infinity659359
Bristol West754388
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.

Find Car Insurance in Augusta

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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

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?

Car insurance is more expensive in Augusta compared to the U.S. national average. The overall average monthly premium in Augusta is $189, and the national average premium is $160 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 $243 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 $253 per month.

In the table below, you can see the average cost of car insurance in some of the largest cities in Georgia:

CityLiability OnlyFull Coverage
Alpharetta$168$232
Athens$132$214
Atlanta$216$270
Columbus$140$237
Marietta$167$241
Savannah$181$271
Warner Robins$148$233
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.

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 $144 per month for liability coverage and $235 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 $55, Hugo has the cheapest car insurance in Augusta. Other affordable insurers in the city include Auto-Owners and State Farm, with respective monthly liability rates of $63 and $68.

    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 4.6 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 $146 per month for liability coverage and $241 per month for full coverage.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "How to save money on car insurance."
  2. Georgia Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
  3. Centers for Disease Control and Prevention. "Older Adult Drivers."
  4. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  5. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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