Cheapest Auto Insurance in Augusta, Georgia (2024)

The overall average cost of car insurance in Augusta, Georgia, is $185 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.

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.

Best insurer for cheap rates: Hugo

Best insurer for coverage options: Auto-Owners

Best insurer for customer satisfaction: State Farm

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.

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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 $143 per month.

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

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 $227 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:

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]

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.

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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 $325 per month for full coverage and $205 per month for liability-only coverage.

These are the cheapest car insurance companies in Augusta for drivers with a speeding ticket on their record:

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 $217 for liability coverage and $345 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:

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 $246 per month for minimum-coverage policies. The average cost of a full-coverage policy increases to $390 per month after a DUI.

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

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 $110 per month, on average, for liability-only insurance.

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

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 $263 per month for liability coverage and $417 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:

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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:

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 $185, 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 $248 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 $252 per month.

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

Augusta car insurance FAQs