Compare the Cheapest Car Insurance Quotes in Augusta, GA

Augusta has an average annual car insurance rate of $1,200, which is $438 lower than Georgia’s state average. With an average rate of $881 per year, GEICO is the cheapest widely available insurer in Augusta. MoneyGeek’s analysis rated the cheapest insurer based on the coverage level and driver profile. MoneyGeek also has recommendations for those looking for a balance of quality service and low costs.

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The Cheapest and Best Car Insurance in Augusta

The Cheapest Car Insurance Companies in Augusta

For a full coverage insurance policy, the following two companies are the most affordable on average:

  • USAA: $798 yearly (only serving current and former military members)
  • GEICO: $881 yearly

MoneyGeek used a sample driver profile for this study. In this scenario, the driver is a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision coverage.

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Average Cost of Car Insurance in Augusta

Augusta$1,200
Georgia$1,638
U.S.$1,424

Auto insurance costs an average of $1,200 per year in the city of Augusta. That is 26.7% lower than the state average, which is $1,638. It is also less than the $1,424 annual average premium in the United States.

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The Best Car Insurance Companies in Augusta

MoneyGeek ranked the best insurance companies to help drivers in Augusta find an insurer offering great service with affordable pricing. The following two companies came out on top:

  • Auto-Owners: MoneyGeek score of 90 out of 100
  • ALFA: MoneyGeek score of 88 out of 100

USAA received the highest score in Augusta by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek used information from J.D. Power's customer satisfaction, affordability and financial stability ratings, among other criteria, to calculate the scores out of 100 points.


1
USAA
Score:95

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
ALFA
Score:88

4/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

4
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
State Farm
Score:83

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

8
MetLife
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Progressive
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Liberty Mutual
Score:78

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

13
National General
Score:73

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Augusta

Augusta insurance carriers assess risks related to each specific driver to determine the cost of auto insurance policies. They consider factors like gender, car make and model, driving history and coverage level. Drivers should regularly get personalized quotes from different companies to find out if they qualify for rebates and other savings. Comparing car insurance quotes will help you find the most accurate policy.

Shopping around for car insurance in Augusta could save you $319, which is enough to buy:


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106Cups of Coffee
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25Months of Your Favorite Streaming Service

Cheapest Car Insurance in Augusta by Coverage Amount

The amount of insurance coverage you buy will also affect the annual rate, regardless of where you live or which insurer you choose. A car insurance policy meeting only the state minimum liability-only requirements costs an average of $710 yearly in Augusta. In contrast, a full coverage policy with higher liability limits costs an average of $1,200 annually. That is a difference of $490.

Georgia Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Finding the cheapest car insurance for you will depend on your needs and circumstances. Generally, the state of Georgia requires a minimum of 25/50/25 liability coverage. It covers up to $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 property damage liability per accident.

While a state minimum policy may cost less, choosing more coverage will provide additional protection. For instance, Augusta drivers have the option to get 50/100/50 liability-only and full-coverage plans.

If the difference between coverage levels is nominal, it may be smart to get more coverage. GEICO, which has the cheapest options for typical Augusta drivers, offers a state minimum liability-only policy that costs $433 per year on average. Its 50/100/50 liability-only plan has an average annual premium of $548, while a 50/100/50 full-coverage policy costs roughly $793 per year.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Augusta if You Have Driving Violations

Being a responsible driver comes with perks. Individuals with clean driving records often get cheaper car insurance in Augusta than those with speeding tickets or DUIs. The annual premium can increase by more than $2,000. For example, an Augusta driver with a clean record can get a GEICO policy with an $881 annual premium. However, a similar policy will cost $3,034 per year if they have a DUI.

Average Cost of Car Insurance by Postal Code

The average rate for auto insurance also depends on your ZIP code. The average cost of car insurance by ZIP code in Augusta can range from $1,173 to $1,231. The cheapest neighborhood for auto coverage is 30907. Meanwhile, drivers residing in the 30906 area typically pay the city’s highest premiums.

  • Zip Code
    State Minimumper year
  • 30907
    $1,173
  • 30909
    $1,197
  • 30906
    $1,231

Factors That Impact Insurance Costs in Augusta

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Augusta. How Augusta ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities55th/300
handcuffs2 icon
Most Car Thefts89th/300
uninsured icon
Most Uninsured Motorists by State25th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall56th/300
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Most Rainy Days129th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Augusta are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.