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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 Cheap Car Insurance Companies in Augusta

In terms of prices, the best car insurance in Augusta is from USAA, with an average annual premium of $798. However, the company has strict qualifications, as only current and former military members and their families can apply for a policy.

For most Augusta drivers, the most affordable option will be GEICO. The average annual premium for a GEICO auto insurance policy in this city is $881, 67.2% lower than the most expensive company, which is Progressive. GEICO’s average premium is also $319 less than the citywide average.

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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.

Insurance Rates

Cheapest Car Insurance in Augusta by Coverage Amount

How much car insurance coverage you purchase in Augusta also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

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 by Coverage Type

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

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
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Most Car Thefts89th/300
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Most Uninsured Motorists by State25th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall56th/300
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Most Rainy Days129th/300

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

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.

Compare Car Insurance Rates in Augusta

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

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.