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Crash Course:
- Auto-Owners generally offers the best rates for minimum-coverage car insurance in Augusta, with an average of $29 per month.
- The lowest average rate for full-coverage car insurance in Augusta comes from GEICO for $105 each month.
- Our research shows that the average prices in Augusta are $55 per month for minimum coverage and $143 monthly for full-coverage policies.
Drivers in Augusta can find auto coverage for as little as $347 per year from Auto-Owners. Remember, however, that the cheapest car insurance in Augusta, Georgia, is likely to vary based on your car’s make, model, and age. Our research team received quotes from the best auto insurance companies to find the lowest prices in the Garden City.
Best Car Insurance Rates in Augusta, Ga.
Augusta Car Insurance Rates at a Glance
Detailed cost estimates are found below, but in the meantime we’ve listed out the cheapest car insurance companies in Augusta for a few driver profiles:
- Cheapest for minimum coverage: Auto-Owners followed by Country Financial
- Cheapest for full coverage: GEICO followed by Auto-Owners
- Cheapest for teen drivers: Auto-Owners followed by Country Financial
- Cheapest for drivers after a car accident: Auto-Owners followed by Country Financial
Cheapest Car Insurance Companies in Augusta
Auto-Owners tends to offer the most affordable car insurance premiums for Augusta drivers. Country Financial, Georgia Farm Bureau, USAA, and GEICO also typically offer cheap car insurance services to residents of the city.
How Much Does Car Insurance in Augusta Cost?
The average cost of car insurance in Augusta is $55 per month for minimum coverage and $143 per month for full coverage. The rates for both types of protection are lower than the average cost of Georgia auto coverage.
Cheapest Minimum-Coverage Car Insurance in Augusta
We found that Auto-Owners usually offers the city’s cheapest minimum-coverage policies, with rate estimates as low as $347 per year.
| Car Insurance Provider | Average Monthly Rate for Minimum Coverage | Average Annual Rate for Minimum Coverage |
| Auto-Owners | $29 | $347 |
| Country Financial | $35 | $422 |
| Georgia Farm Bureau | $47 | $560 |
| USAA | $48 | $570 |
| GEICO | $49 | $587 |
| Progressive | $51 | $611 |
| State Farm | $55 | $659 |
| Mercury | $64 | $774 |
| Allstate | $68 | $822 |
| Safeway | $99 | $1,185 |
Cheapest Full-Coverage Car Insurance in Augusta
At an estimated $1,259 per year, GEICO often has the cheapest full-coverage auto insurance rates in Augusta.
| Car Insurance Provider | Average Monthly Rate for Full Coverage | Average Annual Rate for Full Coverage |
| GEICO | $105 | $1,259 |
| Auto-Owners | $105 | $1,263 |
| USAA | $124 | $1,490 |
| Country Financial | $126 | $1,512 |
| Progressive | $140 | $1,686 |
| State Farm | $141 | $1,695 |
| Georgia Farm Bureau | $148 | $1,776 |
| Mercury | $149 | $1,789 |
| Allstate | $163 | $1,958 |
| Safeway | $224 | $2,690 |
Cheapest Car Insurance Rates by Augusta ZIP Code
Drivers in the 30904 area pay some of the cheapest rates for car insurance in Augusta among the ZIP codes we researched. On the other hand, those in 30905 get charged some of the city’s highest rates, though the prices aren’t that different.
| Augusta ZIP Code | Average Monthly Rate for Minimum Coverage | Average Annual Rate for Minimum Coverage |
| 30904 | $54 | $645 |
| 30901 | $54 | $651 |
| 30815 | $54 | $652 |
| 30906 | $54 | $654 |
| 30909 | $55 | $655 |
| 30905 | $56 | $666 |
Cheapest Augusta Car Insurance by Age
Age is one of the most significant factors in the cost of your auto coverage. People over the age of 35 tend to get the lowest rates on car insurance, while young drivers and especially teen drivers pay the most. Senior drivers sometimes also pay higher-than-average premiums.
Cheapest Car Insurance in Augusta: 16-Year-Old Drivers
| Car Insurance Provider | Average Monthly Rate for 16-Year-Old Drivers | Average Annual Rate for 16-Year-Old Drivers |
| Auto-Owners | $130 | $1,560 |
| Country Financial | $139 | $1,672 |
| USAA | $177 | $2,123 |
| Georgia Farm Bureau | $185 | $2,220 |
| GEICO | $204 | $2,447 |
| State Farm | $264 | $3,165 |
| Allstate | $347 | $4,161 |
| Safeway | $355 | $4,255 |
| Progressive | $377 | $4,518 |
| Mercury | $484 | $5,812 |
Cheapest Car Insurance in Augusta: 25-Year-Old Drivers
| Car Insurance Provider | Average Monthly Rate for 25-Year-Old Drivers | Average Annual Rate for 25-Year-Old Drivers |
| Auto-Owners | $43 | $514 |
| Country Financial | $47 | $566 |
| Georgia Farm Bureau | $54 | $649 |
| USAA | $56 | $676 |
| Progressive | $61 | $735 |
| GEICO | $64 | $764 |
| State Farm | $68 | $817 |
| Allstate | $69 | $834 |
| Mercury | $83 | $994 |
| Safeway | $135 | $1,617 |
Cheapest Car Insurance in Augusta: 35-Year-Old Drivers
| Car Insurance Provider | Average Monthly Rate for 35-Year-Old Drivers | Average Annual Rate for 35-Year-Old Drivers |
| Auto-Owners | $29 | $347 |
| Country Financial | $35 | $422 |
| Georgia Farm Bureau | $47 | $560 |
| USAA | $48 | $570 |
| GEICO | $49 | $587 |
| Progressive | $51 | $611 |
| State Farm | $55 | $659 |
| Mercury | $64 | $774 |
| Allstate | $68 | $822 |
| Safeway | $99 | $1,185 |
Cheapest Car Insurance in Augusta: 45-Year-Old Drivers
| Car Insurance Provider | Average Monthly Rate for 45-Year-Old Drivers | Average Annual Rate for 45-Year-Old Drivers |
| Auto-Owners | $29 | $351 |
| Country Financial | $30 | $358 |
| GEICO | $44 | $533 |
| USAA | $45 | $538 |
| Georgia Farm Bureau | $47 | $560 |
| Progressive | $50 | $599 |
| Mercury | $56 | $675 |
| State Farm | $56 | $676 |
| Allstate | $68 | $822 |
| Safeway | $90 | $1,077 |
Cheapest Car Insurance in Augusta: 55-Year-Old Drivers
| Car Insurance Provider | Average Monthly Rate for 55-Year-Old Drivers | Average Annual Rate for 55-Year-Old Drivers |
| Country Financial | $27 | $326 |
| Auto-Owners | $30 | $364 |
| GEICO | $35 | $416 |
| USAA | $43 | $520 |
| Georgia Farm Bureau | $45 | $544 |
| Progressive | $48 | $573 |
| Mercury | $51 | $618 |
| State Farm | $54 | $648 |
| Allstate | $70 | $835 |
| Safeway | $88 | $1,059 |
Cheapest Car Insurance in Augusta by Risk Factor
Your driving record is also an important factor in setting your auto insurance rates. People with a clean driving history receive cheaper auto insurance than those with reckless driving violations. Any speeding tickets, at-fault accidents, or driving under the influence (DUI) violations on your driving history can make premiums more expensive.
Cheapest Car Insurance for Drivers With a Speeding Ticket
| Car Insurance Company | Average Monthly Rate After a Speeding Ticket | Average Annual Rate After a Speeding Ticket |
| Auto-Owners | $40 | $486 |
| Georgia Farm Bureau | $47 | $560 |
| Country Financial | $48 | $579 |
| GEICO | $55 | $661 |
| USAA | $59 | $713 |
| State Farm | $60 | $716 |
| Progressive | $69 | $828 |
| Allstate | $76 | $911 |
| Mercury | $96 | $1,148 |
| Safeway | $109 | $1,302 |
Cheapest Car Insurance for Drivers With a Recent Accident
| Car Insurance Company | Average Monthly Rate After a Recent Accident | Average Annual Rate After a Recent Accident |
| Auto-Owners | $43 | $514 |
| Country Financial | $53 | $633 |
| Georgia Farm Bureau | $58 | $691 |
| State Farm | $66 | $787 |
| USAA | $73 | $880 |
| GEICO | $87 | $1,039 |
| Progressive | $94 | $1,122 |
| Allstate | $103 | $1,237 |
| Mercury | $127 | $1,523 |
| Safeway | $142 | $1,705 |
Cheapest Car Insurance for Drivers With a DUI
| Car Insurance Company | Average Monthly Rate After a DUI | Average Annual Rate After a DUI |
| State Farm | $60 | $716 |
| Country Financial | $60 | $723 |
| Auto-Owners | $65 | $781 |
| Progressive | $74 | $893 |
| Allstate | $89 | $1,067 |
| USAA | $92 | $1,101 |
| Mercury | $93 | $1,115 |
| Georgia Farm Bureau | $98 | $1,173 |
| Safeway | $138 | $1,653 |
| GEICO | $162 | $1,939 |
Car Insurance in Augusta: What To Know
The average driver in Augusta pays around $1,712 per year for full-coverage car insurance and $654 annually for minimum coverage. This makes it the fourth most expensive city in the Peach State for auto coverage.
What Are Georgia’s Minimum-Coverage Requirements?
According to state law, drivers in Augusta and across the state of Georgia must carry the following types and amounts of coverage at all times:
- Bodily injury liability: $25,000 per person and $50,000 per incident
- Property damage liability: $25,000 per incident
Driving uninsured is illegal in the Peach State. Across the U.S., penalties for driving without coverage range from fines and the suspension of your driver’s license to jail time.
Most insurance agents and experts suggest buying a full-coverage auto insurance policy if you can afford it. This adds comprehensive insurance and collision insurance to the required liability coverage to protect your car against accidents, severe weather, and windshield dents. Underinsured and uninsured motorist coverage are also strongly recommended.
Cheapest Auto Insurance in Augusta: Conclusion
The cheapest car insurance for Augusta, Georgia, drivers is a minimum-coverage policy from Auto-Owners at an estimated $29 per month. However, other car insurers may offer you better rates depending on your chosen policies and coverage limits as well as on your driver profile.
Our research team found that Auto-Owners, Country Financial, Georgia Farm Bureau, GEICO, and USAA offer consistently affordable insurance coverage to Augusta drivers. To find your lowest rates, get free quotes online or compare numbers from a few car insurance agencies.
Cheapest Car Insurance in Augusta: FAQ
How much is car insurance in Georgia per month?
Car insurance in Georgia is around $57 per month for minimum coverage and $151 per month for full coverage on average. Premiums, however, vary based on your location in Georgia, your driver profile, your car’s make and model, and your chosen deductible.
Is Georgia car insurance expensive?
At an average of $151 per month for a full-coverage policy, Georgia car insurance is cheaper than the national rate of $159 each month.
What is the minimum car insurance in Georgia?
The minimum car insurance requirement in Georgia includes bodily injury liability coverage with limits of at least $25,000 per person and $50,000 per incident. It also mandates property damage liability insurance with a limit of at least $25,000 per incident.
How can I lower my car insurance in Georgia?
You can lower your car insurance premiums in Georgia by shopping around and comparing car insurance quotes to get better rates. Maintaining a good driving record and credit score can also decrease your costs after a recent accident or violation. Other policyholders bundle insurance products such as homeowners and renters insurance to receive lower rates.
Our Methodology
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.
*Data accurate at time of publication.
