The Cheapest Auto Insurance Companies in Augusta, Georgia, in 2026
Auto-Owners offers the cheapest rates in Augusta, with an average premium of just $76 per month.
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Written byJess Ullrich
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Jess UllrichInsurance Writer
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Edited bySara Getman
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Sara GetmanInsurance Editor
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Reviewed byDavid C. Marlett, Ph.D., CPCU
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David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
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Key Takeaways
Auto-Owners offers the most affordable liability-only car insurance, with average rates starting at $76 per month.
Augusta drivers pay an average of $148 per month for liability coverage and $224 for full coverage.
Progressive, Mile Auto, and COUNTRY Financial are our top picks for car insurance in Augusta.
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 | $76 |
| Full coverage | Auto-Owners | $124 |
| Teens | Auto-Owners | $150 |
| Seniors | Auto-Owners | $61 |
| Drivers with a speeding ticket | Auto-Owners | $99 |
| Drivers with an at-fault accident | Auto-Owners | $103 |
| Drivers with a DUI | Auto-Owners | $96 |
| Drivers with excellent credit | Auto-Owners | $60 |
| Drivers with poor credit | Auto-Owners | $114 |
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, June 24 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $76 |
| State Farm | $81 |
| Country Financial | $83 |
| Allstate | $89 |
| Mile Auto | $94 |
| USAA | $95 |
| Progressive | $104 |
| Foremost | $120 |
| Mercury | $130 |
| Root | $150 |
| Bristol West | $152 |
| GEICO | $153 |
| Clearcover | $156 |
| GAINSCO | $161 |
| Direct Auto | $163 |
| The General | $169 |
| AssuranceAmerica | $174 |
| Safeco | $181 |
| National General | $184 |
| Trexis One | $185 |
| Mendota | $192 |
| Nationwide | $196 |
| First Acceptance | $201 |
| Insurify Car | $202 |
| Excepsure | $205 |
| Trexis | $206 |
| Hugo | $275 |
| Liberty Mutual | $324 |
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, June 24 at 5:00 PM PDT.
Estimated Cost: $186 per month
Category | Price |
|---|---|
| $78 | 3.8% |
| $96 | 5.3% |
| $115 | 7.0% |
| $134 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 7.6% |
| $208 | 7.5% |
| $227 | 6.8% |
| $245 | 5.8% |
| $264 | 5.5% |
| $282 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $338 | 3.1% |
| $357 | 2.8% |
| $376 | 2.4% |
| $394 | 2.0% |
| $413 | 1.9% |
| $431 | 1.6% |
40.3% of drivers like you pay less for car insurance. Compare quotes to save up to $1296 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
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.
The below rates in Augusta, GA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Average Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $76 |
| State Farm | $81 |
| Country Financial | $83 |
| Allstate | $89 |
| Mile Auto | $94 |
| USAA | $95 |
| Progressive | $104 |
| Foremost | $120 |
| Mercury | $130 |
| Root | $150 |
| Bristol West | $152 |
| GEICO | $153 |
| Clearcover | $156 |
| GAINSCO | $161 |
| Direct Auto | $163 |
| The General | $169 |
| AssuranceAmerica | $174 |
| Safeco | $181 |
| National General | $184 |
| Trexis One | $185 |
| Mendota | $192 |
| Nationwide | $196 |
| First Acceptance | $201 |
| Insurify Car | $202 |
| Excepsure | $205 |
| Trexis | $206 |
| Hugo | $275 |
| Liberty Mutual | $324 |
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 $224 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.
The below rates in Augusta, GA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Average Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $124 |
| State Farm | $133 |
| Country Financial | $135 |
| Allstate | $146 |
| Mile Auto | $150 |
| USAA | $156 |
| Progressive | $191 |
| Mercury | $203 |
| Root | $211 |
| Safeco | $218 |
| Foremost | $230 |
| Clearcover | $256 |
| Direct Auto | $258 |
| AssuranceAmerica | $260 |
| GEICO | $263 |
| National General | $265 |
| Bristol West | $274 |
| GAINSCO | $305 |
| Mendota | $317 |
| Trexis One | $319 |
| Nationwide | $322 |
| The General | $327 |
| Trexis | $355 |
| First Acceptance | $361 |
| Liberty Mutual | $364 |
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.
The below rates in Augusta, GA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Average Rates for Teens
Company | Average Monthly Premium |
|---|---|
| Country Financial | $129 |
| Auto-Owners | $150 |
| State Farm | $153 |
| USAA | $171 |
| Allstate | $171 |
| Progressive | $180 |
| Mile Auto | $189 |
| Root | $220 |
| Mercury | $232 |
| Clearcover | $249 |
| Bristol West | $263 |
| GEICO | $270 |
| GAINSCO | $277 |
| The General | $297 |
| Direct Auto | $310 |
| Trexis One | $321 |
| Mendota | $333 |
| First Acceptance | $348 |
| Insurify Car | $350 |
| AssuranceAmerica | $352 |
| Excepsure | $355 |
| Trexis | $357 |
| National General | $359 |
| Safeco | $359 |
| Nationwide | $373 |
| Hugo | $497 |
| Liberty Mutual | $553 |
Compare Real-Time Car Insurance Quotes in Augusta
Rates in Augusta start at $76 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 $166 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 below rates in Augusta, GA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Average Rates for Seniors
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $61 |
| State Farm | $65 |
| Country Financial | $67 |
| Allstate | $73 |
| Mile Auto | $75 |
| USAA | $78 |
| Progressive | $93 |
| Mercury | $105 |
| GEICO | $124 |
| Bristol West | $129 |
| Direct Auto | $136 |
| AssuranceAmerica | $139 |
| Clearcover | $140 |
| Root | $140 |
| GAINSCO | $140 |
| The General | $147 |
| National General | $147 |
| Nationwide | $153 |
| Safeco | $161 |
| Trexis One | $165 |
| Mendota | $172 |
| First Acceptance | $180 |
| Insurify Car | $181 |
| Excepsure | $183 |
| Trexis | $184 |
| Hugo | $243 |
| Liberty Mutual | $274 |
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.
The below rates in Augusta, GA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $99 |
| State Farm | $103 |
| Country Financial | $112 |
| Mile Auto | $114 |
| Allstate | $116 |
| USAA | $123 |
| Progressive | $130 |
| Root | $179 |
| Mercury | $180 |
| Bristol West | $192 |
| GAINSCO | $193 |
| Clearcover | $199 |
| GEICO | $200 |
| Direct Auto | $205 |
| AssuranceAmerica | $222 |
| The General | $227 |
| National General | $230 |
| Trexis One | $232 |
| Safeco | $238 |
| Mendota | $240 |
| First Acceptance | $252 |
| Insurify Car | $253 |
| Nationwide | $254 |
| Excepsure | $257 |
| Trexis | $258 |
| Hugo | $351 |
| Liberty Mutual | $413 |
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, June 24 at 5:00 PM PDT.
The below rates in Augusta, GA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $103 |
| State Farm | $110 |
| Country Financial | $116 |
| Allstate | $122 |
| Mile Auto | $129 |
| USAA | $130 |
| Progressive | $142 |
| Root | $192 |
| Mercury | $198 |
| Bristol West | $205 |
| GEICO | $206 |
| GAINSCO | $210 |
| Clearcover | $226 |
| Direct Auto | $226 |
| AssuranceAmerica | $235 |
| The General | $237 |
| National General | $250 |
| Trexis One | $253 |
| Safeco | $256 |
| Mendota | $263 |
| Nationwide | $269 |
| First Acceptance | $275 |
| Insurify Car | $277 |
| Excepsure | $281 |
| Trexis | $282 |
| Hugo | $372 |
| Liberty Mutual | $438 |
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, June 24 at 5:00 PM PDT.
The below rates in Augusta, GA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $96 |
| State Farm | $108 |
| Country Financial | $108 |
| Allstate | $119 |
| Mile Auto | $125 |
| USAA | $127 |
| Progressive | $127 |
| Mercury | $185 |
| Clearcover | $199 |
| Root | $200 |
| Bristol West | $202 |
| GEICO | $203 |
| GAINSCO | $214 |
| Direct Auto | $217 |
| The General | $217 |
| Trexis One | $226 |
| AssuranceAmerica | $232 |
| Mendota | $234 |
| First Acceptance | $245 |
| National General | $245 |
| Insurify Car | $246 |
| Excepsure | $250 |
| Trexis | $251 |
| Safeco | $258 |
| Nationwide | $261 |
| Hugo | $366 |
| Liberty Mutual | $431 |
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, June 24 at 5:00 PM PDT.
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 $164 per month in Georgia, while drivers with poor credit have an average monthly rate of $233.
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.
The below rates in Augusta, GA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $60 |
| State Farm | $68 |
| Country Financial | $75 |
| Allstate | $78 |
| Mile Auto | $80 |
| USAA | $84 |
| Progressive | $92 |
| Mercury | $111 |
| GEICO | $127 |
| Root | $135 |
| Bristol West | $135 |
| GAINSCO | $142 |
| Clearcover | $142 |
| Direct Auto | $144 |
| The General | $149 |
| AssuranceAmerica | $153 |
| Safeco | $162 |
| National General | $162 |
| Trexis One | $163 |
| Mendota | $169 |
| Nationwide | $173 |
| First Acceptance | $177 |
| Insurify Car | $178 |
| Excepsure | $181 |
| Trexis | $182 |
| Hugo | $242 |
| Liberty Mutual | $266 |
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, June 24 at 5:00 PM PDT.
The below rates in Augusta, GA, are estimated rates current as of: Wednesday, June 24 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $100 |
| Allstate | $110 |
| Auto-Owners | $114 |
| Mile Auto | $116 |
| State Farm | $117 |
| USAA | $117 |
| Progressive | $130 |
| Mercury | $159 |
| Root | $185 |
| Bristol West | $188 |
| GEICO | $189 |
| Clearcover | $193 |
| GAINSCO | $199 |
| Direct Auto | $202 |
| The General | $209 |
| AssuranceAmerica | $215 |
| Safeco | $224 |
| National General | $227 |
| Trexis One | $231 |
| Mendota | $240 |
| Nationwide | $242 |
| First Acceptance | $251 |
| Insurify Car | $253 |
| Excepsure | $256 |
| Trexis | $258 |
| Hugo | $340 |
| Liberty Mutual | $388 |
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, June 24 at 5:00 PM PDT.
How to Get the Cheapest Car Insurance in Augusta
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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.
| User Reviews | 3.6 |
|---|---|
| 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. | $104/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. | $191/mo |
3.6
A solid option in Augusta, GABased on 917 verified guest reviews and ratings
Progressive's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.3 | 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 recent national reviewsSee all 312 Progressive reviews
Verified Review
Reviewed in Pennsylvania on June 25, 2026
I was paying $116, then when it was supposed to renew, it went to $168. Too expensive.
Verified Review
Reviewed in New Jersey on June 24, 2026
I found the rates to be very expensive.
Verified Review
Reviewed in Minnesota on June 23, 2026
Underwriting promises something and then arbitrarily changes the terms without accountability.
…
J.D. Power
J.D. 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
| 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. | $94/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. | $150/mo |
J.D. Power
J.D. 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
| J.D. Power J.D. 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. | $83/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. | $135/mo |
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.
Augusta drivers pay an average of $186 per month for car insurance. Liability-only insurance costs $148 per month, while full-coverage costs $224 per month, according to Compare.com data.
Auto-Owners offers the cheapest auto insurance in Augusta, with rates starting at $76, according to Compare.com data.
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.
It depends. Augusta drivers pay an average of $186 per month for auto coverage, compared to the U.S. average of $140. But the cost of your car insurance depends on many factors, including your driving history, age, ZIP code, gender, and coverage needs.
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.
Sources
- Georgia Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
- Insurance Institute for Highway Safety. "Teenagers."
- Insurance Institute for Highway Safety. "Older Drivers."
- III. "Do auto insurance premiums go up after a claim?."
- Naic.org. "Credit-Based Insurance Scores Aren’t the Same as a Credit Score. Understand How Credit and Other Factors Determine Your Premiums."
- NH Insurance Department. "Understanding How Insurers Use Credit Information."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Georgia Car Insurance Requirements
Georgia law requires at least $25,000 in bodily injury liability and $25,000 in property damage liability to drive legally in the state.
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What's the Cheapest Place to Live in Georgia?
We checked out five of the cheapest cities in Georgia, and compared some cheap Georgia car insurance rates too. Read about what we found and which city won the title.
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The Georgia Driver's Manual
Is the Georgia driver’s test hard? What’s the Slowpoke Law? And can you use a cell phone while driving in GA? We'll run you through what you need to know.
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The Driver's Guide to Georgia
What do you need to get a GA driver’s license? Is it illegal to use a phone while driving in Georgia? We’ve got the answers.
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The Cheapest Auto Insurance Companies in Georgia in 2026
The average Georgia driver pays $204 per month for car insurance, but companies like Auto-Owners offer policies for less. We’ll show you how to find them.
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The Best Home and Auto Insurance Bundles in 2026
Bundling your home and auto insurance can reduce your premiums by up to 25%. Plus, you’ll have the convenience of a single bill.
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The Cheapest Auto Insurance Companies in Atlanta, Georgia in 2026
Auto-Owners offers the lowest car insurance rates in Atlanta, with an average monthly cost of $111.
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Canton, GA Car Insurance
The average monthly cost for car insurance in Canton is about $96. Learn more in our handy guide below.
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Calhoun, GA Car Insurance
Residents of Calhoun pay, on average, about $81 per month for car insurance. To learn more about policy rates and coverage in the Calhoun area, continue reading our guide below.
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Cordele, GA Car Insurance
The average monthly cost for car insurance in Cordele is about $67. To learn more about car insurance rates in the Cordele area, read our guide below.
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Fairburn, GA Car Insurance
Residents of Fairburn pay, on average, about $124 per month for car insurance. For more information refer to our guide below.
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Decatur, GA Car Insurance
The average monthly cost for car insurance in Decatur is about $136. For information on policy rates, coverage, and more check out our guide below.
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Dallas, GA Car Insurance
Dallas drivers pay, on average, around $115 a month for their car insurance. To learn more about what you're likely to pay in the Dallas area, read our guide below.
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Evans, GA Car Insurance
On average, Evans drivers pay around $103 a month for their car insurance. For more information refer to our guide below.
Kennesaw, GA Car Insurance
Residents of Kennesaw pay, on average, about $112 per month for car insurance. For information on policy rates, coverage, and more check out our guide below.
Flowery Branch, GA Car Insurance
On average, drivers in Flowery Branch pay around $99 per month for their car insurance. Learn more in our handy guide below.
Dawsonville, GA Car Insurance
Residents of Dawsonville pay, on average, about $87 per month for car insurance. For more information refer to our guide below.
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Auburn, GA Car Insurance
Residents of Auburn pay around $106 monthly for their car insurance coverage. To learn more about policy rates and coverage in the Auburn area, continue reading our guide below.
Guyton, GA Car Insurance
Guyton drivers pay, on average, around $92 a month for their car insurance. Learn more in our handy guide below.
Rex, GA Car Insurance
The average monthly cost for car insurance in Rex is about $116. To learn more about what you're likely to pay in the Rex area, read our guide below.
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Snellville, GA Car Insurance
Snellville drivers pay, on average, around $125 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Milledgeville, GA Car Insurance
On average, Milledgeville drivers pay a monthly average rate of around $92 for their car insurance. To learn more about what you're likely to pay in the Milledgeville area, read our guide below.
Barnesville, GA Car Insurance
On average, drivers in Barnesville pay around $88 per month for their car insurance. To learn more about car insurance rates in the Barnesville area, read our guide below.
Blackshear, GA Car Insurance
Drivers in Blackshear pay, on average, $68 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Sylvania, GA Car Insurance
On average, Sylvania drivers pay around $80 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Cedartown, GA Car Insurance
Cedartown drivers pay, on average, around $90 a month for their car insurance. To find out more check out our guide below.
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LaGrange, GA Car Insurance
Drivers in Lagrange pay around $83 a month for their car insurance. To learn more about policy rates and coverage in the Lagrange area, continue reading our guide below.
Rossville, GA Car Insurance
The average monthly cost for car insurance in Rossville is about $75. For information on policy rates, coverage, and more check out our guide below.
Hartwell, GA Car Insurance
Hartwell drivers pay, on average, around $70 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Chatsworth, GA Car Insurance
On average, drivers in Chatsworth pay around $70 per month for their car insurance. For more information refer to our guide below.
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Conyers, GA Car Insurance
Residents of Conyers pay, on average, about $118 per month for car insurance. To learn more about what you're likely to pay in the Conyers area, read our guide below.
Waycross, GA Car Insurance
The average monthly cost for car insurance in Waycross is about $71. For information on policy rates, coverage, and more check out our guide below.
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Dalton, GA Car Insurance
The average cost for car insurance in Dalton is about $73 a month. Check out our guide below to find out how much you'll pay.
Toccoa, GA Car Insurance
Toccoa drivers pay, on average, around $69 a month for their car insurance. To learn more about car insurance rates in the Toccoa area, read our guide below.
Fort Valley, GA Car Insurance
On average, Fort Valley drivers pay around $85 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Jesup, GA Car Insurance
The average monthly cost for car insurance in Jesup is about $71. We cover plan rates, policies and more in our guide below.
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Pooler, GA Car Insurance
On average, Pooler drivers pay around $103 a month for their car insurance. To learn more about car insurance rates in the Pooler area, read our guide below.
Stone Mountain, GA Car Insurance
On average, drivers in Stone Mountain pay around $137 per month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Clarkston, GA Car Insurance
Residents of Clarkston pay around $142 monthly for their car insurance coverage. For more information refer to our guide below.
Covington, GA Car Insurance
Residents of Covington pay around $106 monthly for their car insurance coverage. For more information refer to our guide below.
Americus, GA Car Insurance
On average, drivers in Americus pay around $70 per month for their car insurance. Check out our guide below to find out how much you'll pay.
Leesburg, GA Car Insurance
Drivers in Leesburg pay, on average, $72 a month for their car insurance. To learn more about car insurance rates in the Leesburg area, read our guide below.
Rome, GA Car Insurance
The average monthly cost for car insurance in Rome is about $81. We cover plan rates, policies and more in our guide below.
Grayson, GA Car Insurance
The average cost for car insurance in Grayson is about $128 a month. Read our guide below to learn more about your specific rates.
Loganville, GA Car Insurance
The average cost for car insurance in Loganville is about $114 a month. For information on policy rates, coverage, and more check out our guide below.
Hiram, GA Car Insurance
Residents of Hiram pay, on average, about $114 per month for car insurance. To learn more about policy rates and coverage in the Hiram area, continue reading our guide below.
Cartersville, GA Car Insurance
On average, drivers in Cartersville pay around $91 per month for their car insurance. To learn more about policy rates and coverage in the Cartersville area, continue reading our guide below.
Byron, GA Car Insurance
The average monthly cost for car insurance in Byron is about $88. To find out more check out our guide below.
Peachtree City, GA Car Insurance
Drivers in Peachtree City pay, on average, $94 a month for their car insurance. Learn more in our handy guide below.
Temple, GA Car Insurance
On average, drivers in Temple pay around $100 per month for their car insurance. For more information refer to our guide below.
Dahlonega, GA Car Insurance
The average cost for car insurance in Dahlonega is about $80 a month. For information on policy rates, coverage, and more check out our guide below.
Forest Park, GA Car Insurance
Residents of Forest Park pay around $128 monthly for their car insurance coverage. Check out our guide below to find out how much you'll pay.
Thomaston, GA Car Insurance
Drivers in Thomaston pay around $80 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Valdosta, GA Car Insurance
On average, Valdosta drivers pay a monthly average rate of around $74 for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Thomasville, GA Car Insurance
Drivers in Thomasville pay around $73 a month for their car insurance. For more information refer to our guide below.
Villa Rica, GA Car Insurance
On average, Villa Rica drivers pay a monthly average rate of around $104 for their car insurance. Check out our guide below to find out how much you'll pay.
Marietta, GA Car Insurance
The average monthly cost for car insurance in Marietta is about $114. For information on policy rates, coverage, and more check out our guide below.
Lithonia, GA Car Insurance
Lithonia drivers pay, on average, around $145 a month for their car insurance. To learn more about car insurance rates in the Lithonia area, read our guide below.
Fayetteville, GA Car Insurance
Fayetteville drivers pay, on average, around $106 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Locust Grove, GA Car Insurance
On average, Locust Grove drivers pay a monthly average rate of around $119 for their car insurance. Check out our guide below to find out how much you'll pay.
Smyrna, GA Car Insurance
On average, Smyrna drivers pay a monthly average rate of around $118 for their car insurance. Check out our guide below to find out how much you'll pay.
Suwanee, GA Car Insurance
Drivers in Suwanee pay around $121 a month for their car insurance. To learn more about what you're likely to pay in the Suwanee area, read our guide below.
Tallapoosa, GA Car Insurance
On average, drivers in Tallapoosa pay around $85 per month for their car insurance. Check out our guide below to find out how much you'll pay.
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Rincon, GA Car Insurance
The average monthly cost for car insurance in Rincon is about $100. To find out more check out our guide below.
Waynesboro, GA Car Insurance
On average, Waynesboro drivers pay around $83 a month for their car insurance. To learn more about policy rates and coverage in the Waynesboro area, continue reading our guide below.
Rockmart, GA Car Insurance
Rockmart drivers pay, on average, around $88 a month for their car insurance. To learn more about what you're likely to pay in the Rockmart area, read our guide below.
Warner Robins, GA Car Insurance
Residents of Warner Robins pay, on average, about $94 per month for car insurance. To learn more about car insurance rates in the Warner Robins area, read our guide below.
Hazlehurst, GA Car Insurance
Drivers in Hazlehurst pay around $73 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Adairsville, GA Car Insurance
On average, drivers in Adairsville pay around $78 per month for their car insurance. Read our guide below to learn more about your specific rates.
Acworth, GA Car Insurance
Drivers in Acworth pay around $101 a month for their car insurance. Learn more in our handy guide below.
Oxford, GA Car Insurance
The average monthly cost for car insurance in Oxford is about $100. To learn more about car insurance rates in the Oxford area, read our guide below.
Braselton, GA Car Insurance
Residents of Braselton pay, on average, about $100 per month for car insurance. To find out more check out our guide below.
Jefferson, GA Car Insurance
On average, Jefferson drivers pay a monthly average rate of around $84 for their car insurance. Learn more in our handy guide below.
Union City, GA Car Insurance
On average, drivers in Union City pay around $127 per month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Mableton, GA Car Insurance
Drivers in Mableton pay around $108 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
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The Cheapest Auto Insurance Companies in Macon, Georgia, in 2026
Auto-Owners has the cheapest car insurance in Macon, at $95 per month. But your personal rate depends on several factors, like your age, driving record, and ZIP code.
Powder Springs, GA Car Insurance
Residents of Powder Springs pay, on average, about $112 per month for car insurance. For information on policy rates, coverage, and more check out our guide below.
Hampton, GA Car Insurance
On average, Hampton drivers pay around $117 a month for their car insurance. To learn more about what you're likely to pay in the Hampton area, read our guide below.
Buford, GA Car Insurance
The average cost for car insurance in Buford is about $123 a month. To find out more check out our guide below.
Peachtree Corners, GA Car Insurance
The average cost for car insurance in Peachtree Corners is about $116 a month. For information on policy rates, coverage, and more check out our guide below.
Ellijay, GA Car Insurance
On average, Ellijay drivers pay a monthly average rate of around $76 for their car insurance. Learn more in our handy guide below.
Stockbridge, GA Car Insurance
The average monthly cost for car insurance in Stockbridge is about $108. Learn more in our handy guide below.
Dacula, GA Car Insurance
The average cost for car insurance in Dacula is about $128 a month. To learn more about what you're likely to pay in the Dacula area, read our guide below.
Hinesville, GA Car Insurance
Residents of Hinesville pay around $88 monthly for their car insurance coverage. Read our guide below to learn more about your specific rates.
Lula, GA Car Insurance
Residents of Lula pay, on average, about $83 per month for car insurance. For more information refer to our guide below.
Commerce, GA Car Insurance
Commerce drivers pay, on average, around $86 a month for their car insurance. To learn more about policy rates and coverage in the Commerce area, continue reading our guide below.
Jasper, GA Car Insurance
On average, Jasper drivers pay around $100 a month for their car insurance. Read our guide below to learn more about your specific rates.
Grovetown, GA Car Insurance
On average, drivers in Grovetown pay around $83 per month for their car insurance. Read our guide below to learn more about your specific rates.
Lawrenceville, GA Car Insurance
The average cost for car insurance in Lawrenceville is about $125 a month. Read our guide below to learn more about your specific rates.
Perry, GA Car Insurance
Drivers in Perry pay, on average, $79 a month for their car insurance. For more information refer to our guide below.
Port Wentworth, GA Car Insurance
The average monthly cost for car insurance in Port Wentworth is about $120. To find out more check out our guide below.
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The Cheapest Auto Insurance Companies in Savannah, Georgia, in 2026
Auto-Owners offers the lowest car insurance rates in Savannah. But your rates will likely be different depending on your driving history, age, and coverage needs.
Albany, GA Car Insurance
On average, Albany drivers pay a monthly average rate of around $85 for their car insurance. Learn more in our handy guide below.
Moultrie, GA Car Insurance
The average monthly cost for car insurance in Moultrie is about $71. Check out our guide below to find out how much you'll pay.
Hephzibah, GA Car Insurance
Residents of Hephzibah pay, on average, about $88 per month for car insurance. For information on policy rates, coverage, and more check out our guide below.
Baxley, GA Car Insurance
The average monthly cost for car insurance in Baxley is about $70. Learn more in our handy guide below.
Chickamauga, GA Car Insurance
The average cost for car insurance in Chickamauga is about $72 a month. For more information refer to our guide below.
Conley, GA Car Insurance
Residents of Conley pay around $129 monthly for their car insurance coverage. Learn more in our handy guide below.
Kingsland, GA Car Insurance
On average, Kingsland drivers pay a monthly average rate of around $81 for their car insurance. For more information refer to our guide below.
Douglasville, GA Car Insurance
On average, drivers in Douglasville pay around $112 per month for their car insurance. To learn more about what you're likely to pay in the Douglasville area, read our guide below.
Tifton, GA Car Insurance
On average, drivers in Tifton pay around $69 per month for their car insurance. Read our guide below to learn more about your specific rates.
Lithia Springs, GA Car Insurance
Residents of Lithia Springs pay, on average, about $121 per month for car insurance. We cover plan rates, policies and more in our guide below.
Bethlehem, GA Car Insurance
The average monthly cost for car insurance in Bethlehem is about $105. To learn more about car insurance rates in the Bethlehem area, read our guide below.
Elberton, GA Car Insurance
The average cost for car insurance in Elberton is about $76 a month. For information on policy rates, coverage, and more check out our guide below.
Monroe, GA Car Insurance
The average monthly cost for car insurance in Monroe is about $100. Learn more in our handy guide below.
Austell, GA Car Insurance
Drivers in Austell pay around $118 a month for their car insurance. Learn more in our handy guide below.
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Learn more about us, our team, and what makes us tick.
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Jess UllrichInsurance Writer
Sara GetmanInsurance Editor
David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter