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 cost.

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Last Updated: 11/23/2022
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GEICO is the cheapest widely available car insurer in Augusta for most drivers, including for minimum coverage and for drivers with a speeding ticket on their record. USAA is the cheapest option for members of the military. MoneyGeek’s analysis found that Auto-Owners Insurance has the best balance of cost and quality customer service in Augusta, making it the best car insurance company in the city.

iconbestauto insuranceAugusta
2022

The Cheapest and Best Car Insurance in Augusta

The Cheapest Car Insurance Companies in Augusta

A full coverage policy comes with comprehensive and collision insurance to cover you in case your car gets damaged. The most affordable car insurance companies for drivers in Augusta who want full coverage are:

  • GEICO: $881 per year
  • Nationwide: $1,014 per year

For those in the military and their families, USAA offers the cheapest full coverage in Augusta at $798 yearly. Progressive is the most expensive insurance company in this case, costing just over 67% more than GEICO, the cheapest option.

These rates are for a full coverage policy, which includes comprehensive and collision insurance. The price you pay can vary depending on the type of liability coverage you purchase.

Cheapest Car Insurance in Augusta
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $798
  • 2.
    GEICO
    $881
  • 3.
    Nationwide
    $1,014
  • 4.
    State Farm
    $1,076
  • 5.
    Allstate
    $1,115
  • 6.
    Mercury
    $1,176
  • 7.
    Esurance
    $1,314
  • 8.
    Country Financial
    $1,361
  • 9.
    MetLife
    $1,394
  • 10.
    Progressive
    $1,473

MoneyGeek’s analysis, which is described in our methodology, is based on our sample driver: a 40-year-old male driver in Augusta with a full coverage policy.

Compared to minimum coverage policies, full coverage policies in Augusta cost more because they include additional coverages, including:

  • Comprehensive insurance: covers your car for damages not caused by a collision, such as adverse weather events and theft
  • Collision insurance: covers your car for damages resulting from a collision

Although full coverage offers better protection overall, the policy premiums may add up to be more expensive than the replacement value of your car. If that’s the case, you may find liability-only insurance coverage the most affordable option.

Compare Car Insurance Rates in Augusta

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Augusta for Minimum Coverage

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.

Cheapest Minimum Liability Car Insurance in Augusta
State Minimum

State minimum coverage is the cheapest in Augusta, but it also offers the least protection. A state minimum policy only carries the minimum liability limits required by Georgia car insurance laws at 25/50/25. That means, in the case of an accident, your out-of-pocket costs can be quite high.

For example, if you cause an accident where the property damage is $40,000, and your policy only carries a $25,000 limit, you will need to pay for the additional costs yourself.

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.

Cheapest Car Insurance in Augusta if You Have Driving Violations

Your driving record impacts the cost of car insurance in Augusta, so if you have a violation like a DUI, you will pay higher rates. Depending on the violation, the most affordable auto insurers in Augusta are:

  • Cheapest after a ticket: GEICO, $1,054 per year
  • Cheapest after an at-fault accident: State Farm, $1,274 per year
  • Cheapest after a DUI: State Farm, $1,175 per year

USAA is the cheapest option if you are in the military and have a speeding ticket or an at-fault accident. If you have a driving record with violations, you can get cheaper rates in the future by improving it over time. In the meantime, you can find the cheapest insurers for drivers with violations by comparing quotes.

Cheapest Car Insurance in Augusta With a Violation
Speeding Ticket

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.

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.

Compare Car Insurance Rates in Augusta

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Augusta

MoneyGeek researched the best auto insurance providers in Augusta to find you the right policy. Our analysis considered claims ratings, user satisfaction and average policy rates. MoneyGeek determined the two top-rated insurance providers in Augusta are:

  • GEICO: MoneyGeek score 90.8 of out 100
  • State Farm: MoneyGeek score 82.6 of out of 100

USAA, with a MoneyGeek score of 99 out of 100, is the best auto insurance provider in Augusta. However, USAA offers coverage only to military members and veterans, so we did not include it in our rankings.


1
GEICO
Score:91

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

A 40-year-old Augusta driver can enjoy GEICO’s full coverage for $881 per year. The company offers emergency roadside and rental reimbursement coverages. Mechanical breakdown service is a unique feature that can assist drivers who are stranded due to a vehicle malfunction.

More About GEICO

GEICO’s rental car coverage pays up to a preset amount for a rental vehicle if your car isn’t driveable for more than 24 hours after a covered accident. With accident forgiveness coverage, your rates won’t increase due to your first at-fault accident. You can purchase or earn accident forgiveness if you’re over 21 and remain accident-free for at least five years.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:83

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm is the second-best car insurance company in Augusta, Georgia. The company scores high for customer satisfaction and claims and offers a full coverage policy for $1,076 per year. State Farm’s safe driver discount rewards policyholders who remain accident-free for at least three years.

More About State Farm

State Farm’s rental car and/or travel reimbursement coverage pays up to $500 for expenses if you are responsible for an accident in your rental car. The company’s roadside insurance covers mechanical labor at your breakdown location, gas delivery and towing.

Read MoneyGeek's State Farm auto Insurance Review

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
rain icon
Most Annual Rainfall56th/300
umbrella icon
Most Rainy Days129th/300

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.