The Cheapest Auto Insurance Companies in Augusta, Georgia, in 2026

Cheapest Car Insurance in Augusta by Driver and Coverage Type

The companies above are a good starting point for comparing car insurance coverage in Augusta. But your insurance costs will vary based on several factors, including your age, driving record, location, and more.

The table below highlights some of the cheapest car insurance companies for different driver backgrounds and coverages.

Driver or Coverage Type	Cheapest Insurer	Insurer’s Average Monthly Premium
State-minimum coverage	Auto-Owners	$82
Full coverage	Auto-Owners	$136
Teens	Auto-Owners	$160
Seniors	Auto-Owners	$66
Drivers with a speeding ticket	Auto-Owners	$106
Drivers with an at-fault accident	Auto-Owners	$112
Drivers with a DUI	Auto-Owners	$109
Drivers with excellent credit	Auto-Owners	$65
Drivers with poor credit	Auto-Owners	$124

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

The Overall Cheapest Car Insurance in Augusta

While average rates in Augusta may be higher than you’d like to pay for auto coverage, you can always look for ways to save. Rates can vary across insurers, so comparing quotes from multiple companies is one of the best ways to save money.

The table below lists the cheapest insurers in Augusta, according to Compare.com data.

The below rates in Augusta, GA, are estimated rates current as of: Wednesday, October 21 at 7:33 AM PDT. 

Company	Average Monthly Premium
Auto-Owners	$82
State Farm	$89
Country Financial	$90
Mile Auto	$96
Progressive	$100
USAA	$104
Mercury	$136
Root	$147
Bristol West	$149
GEICO	$150
Clearcover	$153
GAINSCO	$163
Allstate	$165
Direct Auto	$165
The General	$166
AssuranceAmerica	$168
Safeco	$179
Trexis One	$186
National General	$187
Mendota	$196
First Acceptance	$200
Insurify Car	$201
Trexis	$201
Excepsure	$208
Hugo	$287
Liberty Mutual	$321

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Wednesday, October 21 at 7:33 AM PDT.

Cheapest Liability Car Insurance in Augusta: Auto-Owners

Georgia requires all drivers to have liability insurance to drive legally. A liability-only policy includes bodily injury and property damage coverage that protects other drivers and their vehicles if you cause an accident. But while liability insurance offers some protection, many insurance experts recommend buying more coverage to protect yourself and your vehicle after a crash.

The chart below shows the five cheapest companies for state-minimum coverage, according to our research.

How much car insurance is required in Augusta?

Like nearly every U.S. state, Georgia requires drivers to have car insurance. To legally drive in the Peach State, you need the following coverage:^[1]

• $25,000 per person and $50,000 per accident of bodily injury liability insurance

• $25,000 per accident of property damage liability insurance

While Georgia doesn’t require drivers to have collision or comprehensive insurance, buying them can be a smart idea. That’s especially true if you finance or lease your car or drive a newer vehicle.

Cheapest Full-Coverage Car Insurance in Augusta: Auto-Owners

Full-coverage car insurance comes with a higher price tag but also gives you more protection. In addition to liability insurance, full-coverage policies typically include collision and comprehensive insurance.

Collision coverage pays for damages to your car if another driver hits you. Comprehensive coverage pays for damages due to events outside your control, like vandalism or severe weather. Lenders and leasing companies usually require you to buy full-coverage car insurance if you finance or lease your car.

Drivers in Augusta pay an average of $219 per month for full-coverage insurance.

Take a look at the five cheapest full-coverage insurers in the chart below, according to Compare.com data.

Cheapest Car Insurance for Teen Drivers: Auto-Owners

Teen drivers pay the highest car insurance rates of any age group in Augusta. That’s because teenagers’ inexperience on the road makes them riskier to insure. Teens are four times more likely to get into accidents than drivers ages 20 and older, according to the Insurance Institute for Highway Safety (IIHS).^[2]

The five insurers in the chart below offer the most affordable coverage for teenage drivers in Augusta, according to Compare.com data.

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Rates in Augusta start at $82 per month.

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Cheapest Car Insurance for Senior Drivers: Auto-Owners

Unlike teens, senior drivers tend to pay the lowest car insurance rates of any age group. Senior drivers generally drive fewer miles and avoid driving at night, making them less risky to insure, according to the IIHS.^[3]

Augusta seniors pay an average of $164 per month for car insurance. But several companies may offer lower-than-average rates.

The chart below shows the five cheapest auto insurers for Augusta seniors, according to Compare.com data.

The Cheapest Car Insurance for Drivers by Driving Record

Your driving record plays a big role in determining your rates. Having an incident on your record, like a driving under the influence (DUI) conviction, a speeding ticket, or an at-fault accident, can increase your rates when your insurance policy renews. This is because insurance companies now view you as a high-risk driver.^[4]

But you still have ways to get affordable insurance if you have a less-than-perfect record.

The tables below show the cheapest insurers in Augusta for people with a recent ticket, at-fault accident, or DUI, according to Compare.com data.

Cheapest Car Insurance for Drivers by Credit

Georgia allows insurance companies to use your credit history to create a credit-based insurance score when determining your rates.^[5] Insurance companies believe that your credit history can predict how likely you are to file a claim.^[6]

Drivers with a good credit history have an average rate of $161 per month in Georgia, while drivers with poor credit have an average monthly rate of $230.

But not all insurance companies use your credit when determining your rates, and it’s still possible to find affordable insurance regardless of your credit.

The tables below show the cheapest companies for drivers with excellent and poor credit according to Compare.com data.

How to Get the Cheapest Car Insurance in Augusta

Getting cheap car insurance doesn’t have to be hard. Here are some ways you can save on your premiums:

• Look for discounts. Taking advantage of discounts is a great way to lower your car insurance costs. Some common options include bundling, multi-car, good student, safe driving, and paid-in-full discount. It’s worth asking your agent what you qualify for.

• Shop around. Every insurer weighs your driving profile differently, so it’s important to shop around to get the best rate. Get quotes from at least three to five insurers to see which company offers you the best premium.

• Increase your deductible. If you have full-coverage insurance, you can save by increasing your deductible on your comprehensive and collision coverage. But make sure you can afford the higher out-of-pocket cost if you have to submit a claim.

• Adjust your coverage. Take a look at your policy to see if you’re paying for any coverages you don’t need. Dropping add-ons can help reduce your rates. But make sure you still have enough coverage to protect you and your car.

Our Picks for the Best Auto Insurance in Augusta

Finding the best auto insurance can be difficult because everyone has different budgets, preferences, and requirements. To help you narrow down your search, we reviewed the top insurance companies in Augusta, rating them based on affordability, available discounts, customer service rankings, and more.

Here are the best companies for car insurance in Augusta, Georgia.

Compare Quotes

User Reviews	3.8 1,110 reviews
Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.	4.3 /5
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$100/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$184/mo

Details

3.8

A solid option in Augusta, GABased on 1,110 verified guest reviews and ratings

	Progressive's score	Industry average
Coverage options	3.7	3.2
Customer service	3.8	3.6
Discounts	3.6	2.9
Policy transparency	3.6	3.1
Value	3.5	2.9

How drivers feel about Progressive

Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.

AI-generated from the text of verified reviews collected by Compare.com

Showing 7 Georgia reviews for Augusta driversSee all 413 Progressive reviews

Thomas

Verified Review

So Far, So Good

Reviewed in Georgia on September 17, 2026

No problems so far.

Sue

Verified Review

High Rates

Reviewed in Georgia on September 10, 2026

The 6-month fee is too high.

Gary

Verified Review

OK

Reviewed in Georgia on August 17, 2026

I’m currently getting quotes from other companies that are much lower.

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

If you’re looking for cheap rates, plenty of ways to save, and a great digital experience, Progressive is a solid option. With its highly rated mobile app, it’s easy to manage your policy and claims without having to speak to an agent. You can even receive an average 7% discount for getting your quote online, an average 10% discount for signing online, and a paperless billing discount as soon as you sign up.

Pros

• Easy online quote process

• Very affordable rates

• Customizable coverages and discounts

Cons

• Lower-than-average customer satisfaction rating

• Below-average claims satisfaction rating

• Gap insurance not available

Compare Quotes

AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).	NR
Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.	4.4 /5
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$96/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$156/mo

Details

JD Power

JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

Why we picked this company

Mile Auto is a small insurer that specializes in pay-per-mile coverage. If you work remotely, take the bus, or generally don’t drive much, Mile Auto could be a great option to help you save.

Mile Auto charges a low monthly base rate, then a per-mile rate. You don’t need an in-car device; instead, Mile Auto has you send in a picture of your odometer every month.

Pros

• Doesn’t monitor driving habits

• Affordable rates

• Easy online quote process

Cons

• Limited coverages available

• No discounts listed

• Low customer reviews

Compare Quotes

JD Power JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	665
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$90/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$148/mo

Details

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.44

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

COUNTRY Financial is a great option if you’re looking for affordable insurance and discount opportunities. The company offers over 10 discounts, ranging from classics like multi-car and good driver to occupational and legacy discounts.

Plus, the company has more than 50 local agents in the Augusta area.

Pros

• Very affordable rates

• Great discount opportunities

• Strong local agent network

Cons

• Limited digital experience

• Can’t buy a policy or get quotes online

• No gap insurance available

Augusta Auto Insurance FAQs

We’re here to help you find the best auto insurance policy for your needs. Below, we answered some common car insurance questions from Augusta drivers.

How much is car insurance in Augusta?

Augusta drivers pay an average of $184 per month for car insurance. Liability-only insurance costs $148 per month, while full-coverage costs $219 per month, according to Compare.com data.

What’s the cheapest auto insurance company in Augusta?

Auto-Owners offers the cheapest auto insurance in Augusta, with rates starting at $82, according to Compare.com data.

What’s the best car insurance company in Augusta?

Our top picks for car insurance in Augusta include Progressive, Mile Auto, and COUNTRY Financial. But every driver is different, so it’s important to compare rates from multiple companies.

Is car insurance in Augusta expensive?

It depends. Augusta drivers pay an average of $184 per month for auto coverage, compared to the U.S. average of $143. But the cost of your car insurance depends on many factors, including your driving history, age, ZIP code, gender, and coverage needs.

Is minimum coverage enough in Augusta?

It depends. In general, experts recommend always getting more insurance if you can because liability insurance doesn’t cover your injuries or your car’s damage if you cause an accident. Liability insurance also doesn’t protect your car against weather damage, theft, vandalism, or collisions.

While Georgia’s coverage requirement is decently high, it could still leave you financially vulnerable. For example, say you have the minimum coverage and you total someone’s car. The car was worth $30,000, but your insurance company will cover only $25,000. You’re on the hook for the remaining $5,000. Without full coverage, you’ll also have to pay to repair your own car.