Car insurance in Augusta for an adult with a clean driving record and good insurance score costs $1,471 a year for a full coverage policy, according to CarInsurance.com data.

But that’s just an average. Insurance companies look at drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.

Where you live is also a big factor. Car insurance rates can vary greatly from city to city and even from ZIP code to ZIP code within a city.

More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors.

Some ZIP codes have much more auto theft than other areas. Insurers will thus charge higher premiums in those zip codes because the risk of loss is much higher. Other ZIP codes have a lot more car wrecks and the insurance company will charge higher premiums to cover the risk,” says James Brau, professor of finance at Brigham Young University. “Imagine a densely-crowded ZIP code where a lot of folks are driving versus a code out in a rural area where you hardly ever see another car. The odds of more wrecks and thefts are higher where there are a ton of vehicles — it becomes a statistics exercise.

Knowing where you live and what you’re likely to pay can be a big help when shopping for auto insurance.

That’s why our experts have created this comprehensive guide to help you make intelligent decisions about car insurance. The guide provides the average car insurance rates in Augusta by coverage levels, age, city and ZIP code. It also lists the cheapest car insurance carriers and rates in Augusta.

Key Highlights
  • Car insurance in Augusta is cheaper than car insurance in Georgia for full coverage policies.
  • The average cost of a full-coverage car insurance policy in Augusta is $1,471 per year or $123 per month.
  • In Augusta, USAA offers the cheapest full coverage car insurance at $89 per month.
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Written by:
Katrina Raenell
Contributing Researcher
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

What is the average cost of car insurance in Augusta, GA?

The average auto insurance rates in Augusta, GA at various coverage levels are listed below:

  • State minimum: $514 per year
  • Liability-only coverage (50/100/50): $630 per year
  • Full coverage (100/300/100): $1,471 per year

The cost of car insurance can vary significantly depending on the coverage level you choose. The three most-talked-about coverage levels are:

State minimum car insurance, which is the minimum liability coverage your state requires; liability car insurance coverage, which pays for the medical bills of anyone you injure with your car and pays to repair or replace any cars or property you hit; and full coverage car insurance, which includes collision and comprehensive insurance that pays for damage to your car.

Average annual rates by company for different coverage levels

CompanyState MinimumLiability OnlyFull Coverage
USAA$333$427$1,063
Nationwide$873$780$1,204
Auto-Owners$336$441$1,231
Geico$332$468$1,249
Progressive$482$609$1,381
State Farm$544$710$1,594
Mercury Insurance$633$767$1,747
Allstate$580$684$1,769
Country Financial$518$783$2,003

Note:

  • State Minimum: State minimum liability only
  • Liability Only: 50/100/50 liability only
  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

What are the cheapest car insurance companies in Augusta, GA?

Out of all the carriers available in Augusta, USAA offers the cheapest full coverage car insurance at $89 per month.

The second-cheapest car insurance company in Augusta is Nationwide, offering car insurance at $100 monthly.

Cheapest CompanyFull Coverage Monthly Rates
USAA$89
Nationwide$100
Auto-Owners$103
Geico$104
Progressive$115
State Farm$133
Mercury Insurance$146
Allstate$147
Country Financial$167

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Comparing quotes from multiple insurers can help you save money on your car insurance premiums.

Which companies offer the cheapest rates for high-risk drivers in Augusta, GA?

Car insurance is more expensive for high-risk drivers. A high-risk driver in Georgia is considered as such because they have:

  • Multiple speeding tickets or other traffic infractions in the last three- to five-year period.
  • An injury or a high-cost accident in the last three- to five-year period
  • A DUI conviction
  • A teen/inexperienced driver on their policy
  • A high-performance sports car
  • A poor credit score (a few states — California, Hawaii, Maryland, Massachusetts and Michigan — prohibit insurance companies from using credit to set rates)
  • A recent lapse in car insurance

Cheapest rates for drivers with two speeding tickets in Augusta, GA

See the average annual premium for drivers with two speeding tickets on their records in Augusta, GA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 2 Speeding Tickets
USAA$127
Nationwide$133
State Farm$148
Geico$156
Allstate$174
Progressive$177
Auto-Owners$194
Mercury$243

Note:

  • Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Insurance rates after receiving 2 speeding tickets for speeds 11 mph or over.

Cheapest rates for drivers with a DUI conviction in Augusta, GA

See the average annual premium for a driver convicted of DUI in Augusta, GA in the table below.

Cheapest CompanyFull Coverage Monthly Rates with 1 DUI
State Farm$148
USAA$176
Progressive$178
Auto-Owners$194
Allstate$197
Nationwide$198
Mercury$212
Geico$322

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Companies with the cheapest insurance by driver profile in Augusta, GA

Personal factors can affect how much you pay for car insurance in states that allow it. Insurance companies do use a driver’s age as a rating factor as more driving experience leads to lower rates – and vice versa. However, not all states allow gender and credit score to be used when setting car insurance rates.

Cheapest rates for drivers in Augusta, GA, by age

Age is a key factor when considering car insurance rates in most cities, including Augusta – it’s one of several key factors taken into account by insurers to determine premiums.

Teens (age 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.

Drivers in their 40s, 50s and 60s pay less for their car insurance premiums when compared to teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute.

AgeCheapest CompanyFull Coverage Monthly Rates
16Allstate$656
16Auto-Owners$356
16Geico$549
16Country Financial$447
16Mercury Insurance$1,205
16Nationwide$461
16Progressive$730
16State Farm$541
16USAA$382
17Allstate$570
17Auto-Owners$348
17Geico$408
17Country Financial$403
17Mercury Insurance$983
17Nationwide$442
17Progressive$799
17State Farm$475
17USAA$274
18Allstate$480
18Auto-Owners$315
18Geico$302
18Country Financial$364
18Mercury Insurance$881
18Nationwide$415
18Progressive$670
18State Farm$418
18USAA$232
19Allstate$305
19Auto-Owners$287
19Geico$247
19Country Financial$416
19Mercury Insurance$579
19Nationwide$323
19Progressive$365
19State Farm$367
19USAA$210
20Allstate$288
20Auto-Owners$256
20Geico$218
20Country Financial$307
20Mercury Insurance$484
20Nationwide$282
20Progressive$314
20State Farm$322
20USAA$196
21Allstate$234
21Auto-Owners$220
21Geico$199
21Country Financial$285
21Mercury Insurance$437
21Nationwide$178
21Progressive$219
21State Farm$271
21USAA$147
22Allstate$210
22Auto-Owners$197
22Geico$193
22Country Financial$266
22Mercury Insurance$366
22Nationwide$164
22Progressive$193
22State Farm$242
22USAA$139
23Allstate$194
23Auto-Owners$181
23Geico$187
23Country Financial$251
23Mercury Insurance$276
23Nationwide$153
23Progressive$173
23State Farm$213
23USAA$128
24Allstate$178
24Auto-Owners$172
24Geico$179
24Country Financial$236
24Mercury Insurance$237
24Nationwide$145
24Progressive$157
24State Farm$195
24USAA$123
25Allstate$165
25Auto-Owners$145
25Geico$150
25Country Financial$248
25Mercury Insurance$207
25Nationwide$126
25Progressive$138
25State Farm$169
25USAA$111
30Allstate$148
30Auto-Owners$101
30Geico$107
30Country Financial$196
30Mercury Insurance$179
30Nationwide$110
30Progressive$125
30State Farm$135
30USAA$96
35Allstate$147
35Auto-Owners$99
35Geico$107
35Country Financial$180
35Mercury Insurance$160
35Nationwide$104
35Progressive$120
35State Farm$133
35USAA$92
40Allstate$147
40Auto-Owners$103
40Geico$104
40Country Financial$167
40Mercury Insurance$146
40Nationwide$100
40Progressive$115
40State Farm$133
40USAA$89
45Allstate$147
45Auto-Owners$100
45Geico$104
45Country Financial$155
45Mercury Insurance$144
45Nationwide$98
45Progressive$113
45State Farm$132
45USAA$86
50Allstate$146
50Auto-Owners$99
50Geico$93
50Country Financial$148
50Mercury Insurance$138
50Nationwide$95
50Progressive$102
50State Farm$130
50USAA$82
55Allstate$145
55Auto-Owners$98
55Geico$93
55Country Financial$144
55Mercury Insurance$137
55Nationwide$93
55Progressive$98
55State Farm$126
55USAA$81
60Allstate$143
60Auto-Owners$99
60Geico$93
60Country Financial$143
60Mercury Insurance$136
60Nationwide$93
60Progressive$99
60State Farm$123
60USAA$81
65Allstate$150
65Auto-Owners$105
65Geico$95
65Country Financial$147
65Mercury Insurance$154
65Nationwide$95
65Progressive$105
65State Farm$123
65USAA$84
70Allstate$151
70Auto-Owners$115
70Geico$103
70Country Financial$155
70Mercury Insurance$175
70Nationwide$101
70Progressive$120
70State Farm$129
70USAA$96
75Allstate$169
75Auto-Owners$125
75Geico$117
75Country Financial$167
75Mercury Insurance$221
75Nationwide$114
75Progressive$155
75State Farm$141
75USAA$115

Note: Full Coverage: 100/300/100 liability with $500 comprehensive/collision deductible

Cheapest rates for drivers in Augusta, GA, with poor credit

Except in states that don’t allow it – California, Hawaii, Massachusetts, Washington and Michigan – drivers who have poor credit will pay higher rates for car insurance because they’re viewed as riskier by auto insurers.

Cheapest CompanyFull Coverage Monthly Rates with Bad Credit
Geico$131
Nationwide$133
USAA$168
Progressive$175
Mercury Insurance$215
Allstate$224
Auto-Owners$263
State Farm$267

Final thoughts: Car insurance cost in Augusta, GA

Shopping for a new auto insurance policy at renewal time is the best way to make sure you have the cheapest car insurance in Augusta, GA. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.

Resources & Methodology

Sources:

  1. Centers for Disease Control and Prevention. “Teen drivers.” Accessed August 2023.
  2. Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed August 2023.

Methodology:

CarInsurance.com, commissioned Quadrant Information Services to gather data on the average costs of car insurance for drivers residing in Augusta, Georgia.

The rates were derived from a sample profile of a 40-year-old male driving a Honda Accord LX, with no history of violations and a good insurance score. This sample profile opted for full coverage policies with limits of up to 100/300/100 and a $500 comprehensive and collision deductible.

The data was collected across approximately 34,523 ZIP codes, resulting in a total of 56,838,240 quotes obtained from 41 companies.

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Researcher

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.