120+ more*Quotes generated for Insurify users in and around Augusta, Georgia within the last 10 days. Last updated on June 8, 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 June 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
Certified Financial Education Instructor
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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30+ years in financial services
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Updated
The average car insurance premium in Augusta, Georgia, is $194 per month. Liability coverage in Augusta averages $147 per month, and the average cost of full coverage is $240 per month. Overall, Augusta’s rates are cheaper than the Georgia average of $208 per month.
Rates in Augusta are lower than in Atlanta but slightly higher than in the nearby suburb of Grovetown. Higher rates in Atlanta can be partly explained by a higher population density and a younger population. Grovetown has a much smaller population than Augusta and is more suburban.
Augusta has an average commute time of 21 minutes, which is lower than the national average, although some streets are prone to congestion. Augusta saw more than 8,000 crashes in 2025. In comparison, Atlanta had 35,314 crashes in 2025.[1]
Georgia’s minimum coverage requirements are 25/50/25. This means you need at least $25,000 per person and $50,000 per incident in bodily injury liability coverage and $25,000 per incident in property damage liability insurance.[2]
The average rate for liability-only auto insurance coverage in Augusta is $147 per month. This is cheaper than the state average of $157. Augusta drivers can find the cheapest rates from Auto-Owners.
The following table shows the cheapest liability car insurance rates in Augusta.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $68 |
| State Farm | $73 |
| Country Financial | $74 |
| Allstate | $79 |
| Mile Auto | $83 |
| USAA | $85 |
| Progressive | $100 |
| Mercury | $117 |
| Root | $135 |
| Bristol West | $137 |
| GEICO | $137 |
| Clearcover | $143 |
| GAINSCO | $145 |
| Direct Auto | $146 |
| AssuranceAmerica | $155 |
| The General | $155 |
| National General | $163 |
| Safeco | $166 |
| Trexis One | $166 |
| Mendota | $173 |
| Nationwide | $175 |
| First Acceptance | $179 |
| Insurify Car | $181 |
| Excepsure | $183 |
| Trexis | $184 |
| Hugo | $248 |
| Liberty Mutual | $294 |
Pay your first week’s premium and get immediate proof of insurance
Augusta experiences a range of severe weather events, and a full-coverage insurance policy can help repair or replace your vehicle if it’s damaged by a severe storm, flooding, or a wildfire.[3] Auto-Owners provides the cheapest car insurance in Augusta, with an average rate of $121 per month.
The table below highlights the cheapest rates for full-coverage car insurance in Augusta.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $121 |
| State Farm | $131 |
| Country Financial | $132 |
| Allstate | $143 |
| Mile Auto | $146 |
| USAA | $153 |
| Mercury | $198 |
| Progressive | $202 |
| Root | $207 |
| Safeco | $220 |
| Direct Auto | $252 |
| AssuranceAmerica | $253 |
| GEICO | $256 |
| National General | $257 |
| Clearcover | $259 |
| Bristol West | $270 |
| GAINSCO | $297 |
| Mendota | $314 |
| Nationwide | $315 |
| Trexis One | $317 |
| The General | $326 |
| Trexis | $348 |
| First Acceptance | $349 |
| Liberty Mutual | $357 |
Average car insurance rates in Georgia can vary between cities. Atlanta, Georgia’s most populous urban center, has some of the highest insurance rates in the state. The city of Valdosta has lower average car insurance premiums than Augusta. This may be partly explained by the fact that Augusta is a more populated urban center, with longer commute times.
Compared to the state average, Augusta has slightly lower rates for full-coverage and liability-only policies.
The table below shows average quotes for different cities in Georgia.
City | Average Monthly Quote |
|---|---|
| Albany | $190 |
| Alpharetta | $207 |
| Athens | $177 |
| Atlanta | $284 |
| Augusta | $194 |
| Columbus | $188 |
| Dallas | $235 |
| Dalton | $148 |
| Gainesville | $191 |
| Lawrenceville | $251 |
| Macon | $241 |
| Marietta | $234 |
| Savannah | $227 |
| Valdosta | $148 |
| Warner-Robins | $195 |
| Woodstock | $207 |
One of the reasons Augusta’s premiums are expensive in comparison to the national average may be due to a high rate of vehicle theft. Georgia ranks in the top 10 states for volume of vehicle theft, and the county of Richmond saw 699 vehicle thefts in 2024, according to Insurify data.
Augusta also has a large commuter population. Even though the average 21-minute commute is lower than the national average, more than 97% of Augusta commuters drive to work.[4] This increases the likelihood of accidents, so insurers compensate with higher rates to offset that risk.
Finally, Augusta is prone to various weather events, including tornadoes. In 2025, Augusta experienced more than 1,500 preliminary tornado reports. Full-coverage car insurance can pay for tornado damage.
*Quotes generated for Insurify users in and around Augusta, Georgia within the last 10 days. Last updated on June 8, 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 June 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record is one of the factors insurers use to determine your car insurance premiums. A clean driving record can result in lower rates, while a history of speeding tickets, at-fault accidents, or a conviction for driving under the influence (DUI) can result in higher rates.
Below are some of the cheapest car insurers for Augusta drivers with different driving records.
Cheapest car insurance for Augusta drivers with a clean driving record: Auto-Owners
Cheapest car insurance for drivers with a speeding ticket in Augusta: Auto-Owners
Cheapest car insurance for Augusta drivers with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers with a DUI in Augusta: Auto-Owners
In Augusta, 5% of drivers have a recent speeding ticket, nearly 5% have been in an accident, and less than 1% (0.64%) have a DUI, according to Insurify data.
If you’re charged with a first offense DUI, you’ll have your license suspended for 12 months, but at the end of 120 days, you can apply for reinstatement if you meet the necessary criteria.
This includes completing a Department of Driver Services-approved DUI alcohol or drug use risk reduction program.[5]
The following table shows the average rates for people with different driving records in Augusta.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $194 |
| Speeding ticket | $243 |
| At-fault accident | $266 |
| DUI | $236 |
The city of Augusta has many ongoing work projects to try to improve local roads, including road improvements from Washington Road to Sand Bar Ferry Road, repairs to the Highland Avenue Bridge, and Green Street improvements from 13th Street to East Boundary Road.
To try to accommodate commuters who travel by car, transit, or bike, the city is also engaged in a wide range of improvement projects. Currently, most commuters in Richmond County drive to work alone. Less than 2% of workers utilize public transportation.
Augusta is working on improving transit by updating routes and scheduling. With less than 3% of workers walking or biking to work, one of the city’s top goals is to improve and maintain the quality of bike and pedestrian facilities.
On-street public parking is available in commercial areas, which includes angle or parallel parking. Many of these spots are marked with two-hour interval limits. You can also find off-street surface lots spread throughout the city, and a city parking garage that has 668 parking spaces.
Augusta’s average commute time is 21 minutes, lower than the national average. But drivers still experience congestion in many of the more urban areas.
While interstate roads like I-20 and I-520 are considered marginally or borderline congested, many roads, including Greene Street, Walton Way, and Wheeler Road, experience serious levels of congestion with wait times that most Augusta drivers consider unacceptable.
Traffic congestion generally leads to higher crash rates and more claims, which can drive up the cost of car insurance.
Augusta has a graduated licensing program called the Teenage and Adult Driver Responsibility Act, which has three classifications.
During the first stage, drivers 15 years and older can apply for their Instructional Permit. In stage two, teens who are 16 or 17 can get their Provisional License. Teens with a Provisional License must follow certain restrictions, such as when they can drive and who they can drive with. Finally, in stage three, teen drivers can get their full license.[6]
Teens in Augusta pay monthly averages of $255 for liability policies and $416 for full-coverage policies.
The following data shows the cheapest rates for teenage drivers in Augusta.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Country Financial | $116 |
| Auto-Owners | $135 |
| State Farm | $139 |
| Allstate | $153 |
| USAA | $153 |
| Mile Auto | $167 |
| Progressive | $173 |
| Root | $198 |
| Mercury | $209 |
| Clearcover | $229 |
| Bristol West | $237 |
| GEICO | $242 |
| GAINSCO | $251 |
| The General | $273 |
| Direct Auto | $278 |
| Trexis One | $288 |
| Mendota | $300 |
| First Acceptance | $310 |
| Insurify Car | $314 |
| AssuranceAmerica | $314 |
| Excepsure | $317 |
| National General | $318 |
| Trexis | $319 |
| Safeco | $330 |
| Nationwide | $334 |
| Hugo | $447 |
| Liberty Mutual | $502 |
Save up to $1,100 per year on coverage
While Augusta has a younger population with a median age of 35, lower than the national average, people 60 and older still make up 22% of the population.
Senior drivers in Augusta pay a monthly average of $132 for liability coverage.
The following table shows the cheapest car insurance for senior drivers in Augusta.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $55 |
| State Farm | $58 |
| Country Financial | $60 |
| Allstate | $65 |
| Mile Auto | $67 |
| USAA | $70 |
| Progressive | $90 |
| Mercury | $95 |
| GEICO | $111 |
| Bristol West | $117 |
| Direct Auto | $122 |
| AssuranceAmerica | $124 |
| Root | $126 |
| GAINSCO | $127 |
| Clearcover | $129 |
| National General | $131 |
| The General | $135 |
| Nationwide | $137 |
| Safeco | $148 |
| Trexis One | $149 |
| Mendota | $155 |
| First Acceptance | $160 |
| Insurify Car | $162 |
| Excepsure | $164 |
| Trexis | $165 |
| Hugo | $219 |
| Liberty Mutual | $249 |
If you still have questions about the cost of car insurance in Augusta, check out the following information.
The average cost of car insurance in Augusta is $147 per month for liability-only coverage and $240 per month for a full-coverage policy.
Auto-Owners offers some of the cheapest car insurance in Augusta, with an average rate of $68 per month for liability-only coverage.
The average monthly cost for Georgia car insurance is $194. Costs can vary based on personal factors and the type of coverage you choose. Purchasing additional coverage, like medical payments or uninsured motorist insurance, will increase your premiums.
Many factors affect the average cost of car insurance in Augusta, including your age, gender, driving history, vehicle type, coverage options, credit history, and the deductible you choose. Discounts, such as safe driver or bundling discounts, where you combine home insurance or renters insurance with auto coverage, can help lower your premiums.
A monthly premium of $200 per month is more expensive than the Augusta average of $194 per month but lower than Georgia’s average of $208. Your car insurance rate is very personal, so although $200 is above the Augusta average, if you’re a teen driver or have an incident on your record, this may be accurate.
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:
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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7+ years in personal finance writing
Certified Financial Education Instructor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.