Cheapest Car Insurance In Augusta, GA 2026
Auto-Owners offers the cheapest liability-only car insurance in Augusta, with an average rate of $45 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in Augusta, GA, the options can vary greatly.
For those seeking the cheapest liability-only coverage, Auto-Owners emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that Auto-Owners offers the best rates for full coverage policies. While State Farm offers the cheapest car insurance rates for young drivers.
Key Takeaways
Augusta’s cheapest liability-only car insurance company is Auto-Owners.
Car insurance in Augusta costs an average of $145 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In Augusta – Auto-Owners
Auto-Owners is the cheapest car insurance company for minimum coverage car insurance in Augusta, with an average monthly cost of $45.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $45 | $540 |
| GEICO | $53 | $636 |
| Georgia Farm Bureau | $48 | $576 |
| Progressive | $56 | $672 |
| State Farm | $51 | $612 |
Cheapest Full Coverage Insurance In Augusta – Auto-Owners
Auto-Owners has the cheapest car insurance rates for full coverage. Their quotes average $127 a month in Augusta.
The table below compares average auto insurance quotes from affordable insurers in Augusta.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $144 | $1,728 |
| Auto-Owners | $127 | $1,524 |
| GEICO | $134 | $1,608 |
| Progressive | $130 | $1,560 |
| State Farm | $138 | $1,656 |
Cheapest Car Insurance For Senior Drivers – GEICO
GEICO offers the cheapest car insurance policy for seniors in Augusta, at an average rate of $90 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $99 | $1,188 |
| Auto-Owners | $92 | $1,104 |
| GEICO | $90 | $1,080 |
| Progressive | $96 | $1,152 |
| State Farm | $94 | $1,128 |
Cheapest Car Insurance In Augusta For Teenagers – State Farm
Teenage drivers in Augusta can find the cheapest quotes from State Farm, with average monthly premiums of $271.
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $301 | $3,612 |
| GEICO | $282 | $3,384 |
| Nationwide | $295 | $3,540 |
| Progressive | $310 | $3,720 |
| State Farm | $271 | $3,252 |
Find Affordable Augusta Rates
Cheapest Car Insurance In Augusta After A Speeding Ticket – State Farm
State Farm offers the cheapest car insurance in Augusta, with average rates of $138 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $149 | $1,788 |
| GEICO | $143 | $1,716 |
| Nationwide | $155 | $1,860 |
| Progressive | $151 | $1,812 |
| State Farm | $138 | $1,656 |
Cheapest For Drivers With After At-Fault Accident – GEICO
GEICO offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $146 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $166 | $1,992 |
| Auto-Owners | $151 | $1,812 |
| GEICO | $146 | $1,752 |
| Progressive | $171 | $2,052 |
| State Farm | $156 | $1,872 |
Cheapest Rates In Augusta For Drivers After A DUI – Country Financial
Country Financial offers the cheapest rates for drivers after a DUI in Augusta, with average monthly premiums of $166.
Drivers in Augusta with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $182 | $2,184 |
| Country Financial | $166 | $1,992 |
| GEICO | $191 | $2,292 |
| Progressive | $199 | $2,388 |
| State Farm | $174 | $2,088 |
Best Car Insurance Companies In Augusta
Drivers in Augusta can find the most affordable insurance with USAA for $138 a month. Augusta drivers might want to also consider GEICO at $148 a month, or State Farm at $153 per month.
Shown below are the top 10 car insurance companies in Augusta, GA, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Allstate | $175 |
| Auto-Owners | $156 |
| Direct Auto | $166 |
| Farmers Insurance | $169 |
| GEICO | $150 |
| Liberty Mutual | $185 |
| Nationwide | $159 |
| Progressive | $172 |
| State Farm | $154 |
| USAA | $138 |
Average Car Insurance Cost In Augusta
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in Augusta is $145 per month, compared to the Georgia state average of $189, and the national average of $180 per month.
| Area | Average Monthly Rate |
| National | $180 |
| Georgia | $189 |
| Augusta | $145 |
Average Auto Insurance Rates In Augusta – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $6,150 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $6,150 |
| 20s | $2,878 |
| 30s | $2,532 |
| 40s | $2,396 |
| 50s | $2,270 |
| 60s | $2,197 |
| 70s | $2,354 |
Average Car Insurance Rates In Augusta – By Vehicle
The type of vehicle you own plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in Augusta for different vehicles.
| Vehicle | Average Monthly Rate |
| Chevrolet Malibu | $211 |
| Ford Edge | $224 |
| Honda CR-V | $218 |
| Hyundai Sonata | $207 |
| Nissan Pathfinder | $230 |
Find Affordable Augusta Rates
Average Cost Of Auto Insurance In Augusta – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in Augusta.
| Zip Code | Average Monthly Rate |
| 30904 | $145 |
| 30909 | $151 |
| 30901 | $148 |
| 30906 | $154 |
| 30907 | $142 |
How Much Is Car Insurance In Other Cities In Georgia?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in Augusta can expect to pay around $149 per month for car insurance, while residents of Valdosta pay an average rate of $136 per month.
| City | Average Monthly Rate |
| Columbus | $130 |
| Atlanta | $265 |
| Macon | $151 |
| Savannah | $156 |
| Athens | $138 |
| Albany | $163 |
| Newnan | $142 |
| Warner Robins | $144 |
| Valdosta | $136 |
FAQs
Who has the lowest car insurance rates in Augusta?
The lowest car insurance rates in Augusta are offered by Auto-Owners for the minimum coverage required by the State of Georgia and Auto-Owners for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Augusta?
The average cost of car insurance in Augusta is about $145 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Augusta, GA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.
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