Cheapest Car Insurance Quotes in Augusta

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Augusta Car Insurance

^$ 40

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Augusta

The car insurance rate in Augusta is $1137 for a six-month policy, which is $84 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $404, making it a popular choice for budget-conscious drivers. Rates in Augusta can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Augusta

$1137

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Augusta

1st place: Country Financial

At $404 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $532 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $783 for six months, making it the third cheapest auto insurance company in Augusta.

Augusta Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Augusta, GA is Country Financial, offering policies at just $404 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $532.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1828 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Augusta drivers find the best deals.

Cheap Car Insurance Companies in Augusta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$404	$67
Auto-Owners Insurance Co	$532	$91
Georgia Farm Bureau	$783	$131
Farm Bureau	$860	$146
Auto-Owners	$1206	$203
USAA	$1206	$203
Progressive	$1244	$210
Mercury	$1437	$244
Allstate	$1469	$247
Esurance P&C Ins Co	$1547	$262
State Farm	$1828	$308

Key Takeaways

Way's key takeaways about car insurance in Augusta

The auto insurance costs in Augusta fall around $404 for six months.
The cheapest auto insurance company in Augusta is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Augusta at $1096 per month.

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Cheapest Minimum Liability Car Insurance in Augusta

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Augusta are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Augusta. Their Average 6 Month Premium is $238. State Farm is the most expensive at $840 for the same period.

Cheapest Liability Coverage in Augusta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$238	$40
Georgia Farm Bureau	$321	$54
Farm Bureau	$353	$60
Mercury	$384	$65
Auto-Owners	$397	$67
Country Financial	$410	$69
USAA	$443	$75
Progressive	$449	$76
Central Insurance	$500	$85
Allstate	$725	$121
State Farm	$840	$141

Cheapest Full Coverage Car Insurance in Augusta

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Augusta is Country Financial at $67 per month and $404 for six months.

Cheapest Full Coverage Car Insurance Quotes in Augusta, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$404	$67
Auto-Owners Insurance Co	$532	$91
Georgia Farm Bureau	$783	$131
Farm Bureau	$860	$146
Auto-Owners	$1206	$203
USAA	$1206	$203
Progressive	$1244	$210
Mercury	$1437	$244
Allstate	$1469	$247
Esurance P&C Ins Co	$1547	$262
State Farm	$1828	$308

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Average Car Insurance in Augusta by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Augusta, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Augusta, Georgia, may be increasing due to several external factors. Georgia has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Augusta's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Augusta

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Augusta,GA

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Augusta at $56 per month. At $6511 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$340	$56
Mercury	$404	$69
Country Financial	$482	$81
Central Insurance	$500	$85
USAA	$1995	$336
Georgia Farm Bureau	$2175	$369
Auto-Owners	$2309	$389
Farm Bureau	$2765	$470
Allstate	$5106	$851
Progressive	$6511	$1096
State Farm	$6511	$1096

Teen Car Insurance Rates in GA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Augusta, Country Financial is the cheapest car insurance provider. At $334 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Augusta is Allstate, offering rates of around $2732 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$334	$55
Mercury	$391	$67
Farm Bureau	$860	$144
Progressive	$1630	$278
USAA	$1739	$289
Auto-Owners	$3169	$539
State Farm	$6993	$1165
Allstate	$2732	$456

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Car Insurance Rates with An Accident in Augusta

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Augusta, GA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Augusta

The cheapest car insurance companies after an at-fault accident in Augusta include AutoOwners Insurance Co and Country Financial, offering $353 and $545, respectively. State Farm is an expensive provider with an average six-month premium of $2239.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$353	$58
Country Financial	$545	$92
Encompass	$603	$100
Central Insurance	$661	$112
Farm Bureau	$943	$158
Georgia Farm Bureau	$962	$164
Auto-Owners	$1065	$179
USAA	$1084	$183
Progressive	$1547	$260
Allstate	$2047	$348
State Farm	$2239	$377

Augusta Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Augusta GA. For example, the car insurance in Augusta after a DUI increases to $1167 for a six month policy. While the rate increases by $366 for a six-month policy in the case of a speeding ticket.

Augusta auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1373	$229
One Med/PIP claim	$1373	$233
One comp claim	$1379	$230
Two Med/PIP claims	$1379	$234
Not-at-fault accident	$1386	$231
Two comp claims	$1405	$239
Driving without lights	$1656	$275
Failure to wear a seat belt	$1656	$282
Child safety restraint	$1674	$279
Failure to show documents	$1674	$285
Cell phone violation	$1713	$285
Texting while driving	$1713	$292
Driving too slowly	$1739	$289
Speeding 6 - 10 MPH over limit	$1739	$296
Speeding in school zone	$1739	$289
Speeding 11 - 15 MPH over limit	$1745	$297
Driving with expired registration	$1752	$292
Failure to yield	$1752	$298
Following too closely	$1752	$292
Illegal turn	$1752	$298
Failure to stop at a red light	$1758	$293
Improper passing	$1758	$299
Speeding 16 - 20 MPH over limit	$1758	$293
Wrong way/wrong lane	$1758	$299
Speeding 21 - 25 MPH over limit	$1777	$296
Passing school bus	$1809	$308
In 65 MPH zone	$1815	$302
Open container	$1841	$313
At-fault accident - less than $1000	$1848	$308
Operating a vehicle without permission	$1873	$319
At-fault accident - $1000-$2000	$2014	$336
At-fault accident - greater than $2000	$2027	$345
Refusal to submit to a chemical test	$2374	$395
Reckless driving	$2444	$416
Racing	$2502	$417
Driving with a suspended license	$2509	$427
DUI	$2540	$423
Leaving scene of an accident/hit and run	$2605	$443

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Augusta after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Augusta.

The cheapest car insurance premiums in Augusta are offered by Mercury at $410 for a six-month policy. However, it can be as expensive as $2079 with companies like State Farm.

Augusta car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$410	$70
Auto-Owners Insurance Co	$532	$89
Country Financial	$578	$97
Esurance P&C Ins Co	$796	$133
Allstate	$1309	$222
Auto-Owners	$1431	$241
Georgia Farm Bureau	$1547	$262
Progressive	$1552	$261
USAA	$1578	$266
Farm Bureau	$1674	$279
State Farm	$2079	$350

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Augusta are offered by AutoOwners Insurance Co at $275. However, it can be as expensive as $1848 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Augusta after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$275	$46
Country Financial	$301	$51
Mercury	$430	$71
Farm Bureau	$943	$160
USAA	$1187	$198
Auto-Owners	$1219	$207
Progressive	$1283	$214
State Farm	$1963	$334
Allstate	$1848	$308

Car Insurance Price Trends in Augusta, Georgia

Car insurance rates in Augusta have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Augusta dipped by $231 in January compared to $243 of December. In other words, there has been an decrease by $12 when you compare January and December.

The average cost of liability insurance in the Augusta dipped to $77 in January, compared to $78 in December. This represents an decrease of $1 when comparing January and December.

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Average Car Insurance Cost in Augusta by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Augusta. At $1364 for a six-month policy, insuring your car at 30909 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
30909	$1364	$229
30905	$1171	$196
30904	$1273	$214
30907	$1421	$238
30906	$1467	$246
30912	$1137	$191
30901	$1228	$206
30903	$1137	$191

Frequently Asked Questions

How much is car insurance in Augusta?

The car insurance in Augusta is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Augusta?

The cheapest car insurance in Augusta is $67 per month for full coverage.

How much is car insurance in Augusta for teenagers?

Car insurance for teenagers costs $340 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Augusta?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $191 per month to insure your car in Augusta.

Is car insurance expensive in Augusta?

Car insurance can be expensive in Augusta if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Augusta can be affordable.

Cheapest Car Insurance Quotes in Augusta

Why you can trust Way?

How Much Is Car Insurance in Augusta

Avg. Car Insurance in Augusta

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Augusta

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Augusta Car Insurance Rates by Company

Cheap Car Insurance Companies in Augusta, GA

Way's key takeaways about car insurance in Augusta

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Augusta

Cheapest Liability Coverage in Augusta, GA

Cheapest Full Coverage Car Insurance in Augusta

Cheapest Full Coverage Car Insurance Quotes in Augusta, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Augusta by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Augusta, GA increasing?

Car Insurance Premiums by Age in Augusta

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Augusta,GA

If you are in your twenties N/A is the best choice for car insurance in Augusta.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Augusta

Cheapest Car Insurance Companies after an At-Fault Accident in Augusta

Augusta Car Insurance Rates by Violation

Augusta auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Augusta after a DUI

Augusta car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Augusta after Speeding ticket

Car Insurance Price Trends in Augusta, Georgia

Average Car Insurance Cost in Augusta by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Augusta, GA

Car Insurance Rates by State in the USA (2025 Update)

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