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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Drivers in the midsized city of Augusta, Georgia, pay an average of $195 per month for car insurance. That said, your car insurance rates will vary depending on your ZIP code, age, driving history, and other personal factors. Many companies have lower-than-average rates, including Mile Auto, Progressive, and Auto-Owners.
If you need cheap car insurance in Augusta, we’ll tell you some insurers to consider, tips for choosing the best coverage, and more ways to save on your car insurance.
Mile Auto offers the most affordable liability-only car insurance, with average rates starting at $84 per month.
Augusta drivers pay an average of $156 per month for liability coverage and $233 for full coverage.
Georgia requires all drivers to have bodily injury and property damage liability insurance.[1]
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.
Company  | Average Monthly Premium |
|---|---|
| Mile Auto | $84 |
| Progressive | $86 |
| Auto-Owners | $90 |
| COUNTRY Financial | $98 |
| State Farm | $98 |
| Allstate | $107 |
| USAA | $114 |
| Mercury | $119 |
| Root | $160 |
| Direct Auto | $163 |
| GAINSCO | $166 |
| GEICO | $173 |
| Clearcover | $178 |
| Bristol West | $189 |
| National General | $189 |
| Safeco | $191 |
| AssuranceAmerica | $193 |
| The General | $202 |
| Infinity | $221 |
| Foremost | $231 |
| Nationwide | $235 |
| Liberty Mutual | $364 |
Mile Auto offers the lowest rates in Augusta, starting at $84. Next, we’ll look at how driver demographics can affect your auto insurance costs.
Compare quotes and get the coverage you need at the best price.
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/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Mile Auto | $84 |
| Full coverage | Auto-Owners | $120 |
| Teens | COUNTRY Financial | $147 |
| Seniors | Progressive | $63 |
| Drivers with a speeding ticket | Mile Auto | $98 |
| Drivers with an at-fault accident | Mile Auto | $110 |
| Drivers with a DUI | Mile Auto | $114 |
| Drivers with excellent credit | Mile Auto | $69 |
| Drivers with poor credit | Mile Auto | $103 |
We’ve broken down the rates for each driver and coverage type in the sections below.
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.
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 $233 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.
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 age 20 and older, according to the Insurance Institute of 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.
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 $167 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.
Augusta drivers with less-than-perfect driving records typically pay more for car insurance than drivers with clean records. Speeding tickets are one of the most common infractions that can hike your auto insurance costs.
Our research shows that a single speeding ticket increases average car insurance rates by 37% nationwide. Augusta drivers with a recent ticket pay an average of $238 per month for car insurance.
But some insurers may offer lower-than-average rates. The chart below shows the five cheapest insurers in Augusta for drivers with a recent ticket, according to Compare.com data.
Like speeding tickets, at-fault accidents can increase your car insurance costs. That’s because your insurance company may consider you a high-risk driver if you cause a crash that leads to an expensive claim. Our research shows that a single at-fault accident causes insurance rates to increase by 41% nationwide.
In Augusta, drivers with a recent at-fault accident pay an average of $259 per month for car insurance. That said, some insurers may offer more affordable premiums.
The five insurance companies in the chart below have the cheapest rates for Augusta drivers with an at-fault accident, according to Compare.com data.
You can also expect higher car insurance rates in Augusta if you get a DUI. A DUI causes the sharpest increases of any driving infraction, hiking rates an average of 61% nationwide.
Augusta drivers pay a monthly average of $241 for car insurance. But some insurers may offer more affordable coverage.
The chart below shows the five cheapest Augusta insurers for drivers with DUIs, according to Compare.com data.
Some states, including Georgia, allow car insurance companies to use your credit history to help determine your premium. While insurance companies can’t refuse to insure you based on your credit, a poor credit history could mean higher rates.
Our research shows that drivers with poor credit pay 20% more for car insurance than drivers with excellent credit.
Augusta drivers with poor credit pay an average of $244 per month for car insurance. But not all insurance companies look at your credit, and some offer cheap rates regardless of your credit history.
In the chart below, we’ve highlighted the five cheapest insurers for Augusta drivers with poor credit, according to Compare.com data.
Get quotes from Augusta’s top insurers and save money today.
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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:
$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.
Experts typically recommend buying more than the state minimum car insurance coverage. For example, if you damage your car in a traffic accident, you could end up paying for repairs on your own without collision insurance. Lenders and leasing companies also typically require you to buy full coverage insurance to protect their investment.
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 $195 per month for car insurance. Liability-only insurance costs $156 per month, while full-coverage costs $233 per month, according to Compare.com data.
Mile Auto offers the cheapest auto insurance in Augusta, with rates starting at $84, according to Compare.com data.
It depends. Augusta drivers pay an average of $195 per month for auto coverage, compared to the U.S. average of $150. But the cost of your car insurance depends on many factors, including your driving history, age, ZIP code, gender, and coverage needs.
Mile Auto has the cheapest car insurance in Georgia, according to Compare.com data. Progressive and Auto-Owners also offer relatively low rates.
Georgia requires drivers to buy $25,000 per person and $50,000 per accident of bodily injury coverage, and $25,000 per accident of property damage coverage.
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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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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