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	$86
Full coverage	Auto-Owners	$119
Teens	COUNTRY Financial	$147
Seniors	Auto-Owners	$68
Drivers with a speeding ticket	Mile Auto	$109
Drivers with an at-fault accident	Auto-Owners	$117
Drivers with a DUI	Progressive	$109
Drivers with excellent credit	Auto-Owners	$68
Drivers with poor credit	Mile Auto	$108

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: Tuesday, February 10 at 11:00 AM PST. 

Company	Average Monthly Premium
Auto-Owners	$86
Mile Auto	$88
Progressive	$88
State Farm	$92
COUNTRY Financial	$93
Allstate	$101
USAA	$107
Foremost	$116
Mercury	$137
Root	$142
GAINSCO	$159
Bristol West	$163
Direct Auto	$165
GEICO	$172
Clearcover	$179
Safeco	$184
National General	$190
The General	$197
AssuranceAmerica	$198
Infinity	$216
Nationwide	$222
Liberty Mutual	$372

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 Tuesday, February 10 at 11:00 AM PST.

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 $226 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: COUNTRY Financial

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.

Compare Real-Time Car Insurance Quotes in Augusta

Rates in Augusta start at $86 per month.

Enter your ZIP codeView My Quotes

Excellent

4.6 out of 5 based on 507 reviews

Secure. Free. Easy-to-use.

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 $166 per month in Georgia, while drivers with poor credit have an average monthly rate of $236.

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	3.2 286 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.	$138/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.	$229/mo

Hide Details

Driver Reviews

3.2

A solid optionBased on 715 verified guest reviews and ratings

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

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

Reviews (286)

Thomas

Verified Review

Ghastly. I have cancelled my contract

Reviewed in Florida on February 11, 2026

Customer service is bad. The company policy for billing is confusing, and agents cannot explain refunds. I was billed, then received a late charge, followed by a $700+ invoice with no explanation. Agents cannot explain why. I'm done after 2 months of craziness. I paid the initial amount in full for 2 vehicles, $3400. They have no idea what they are billing for, but won’t admit it’s a company error.

Richard

Verified Review

Richard's Review: Not Happy with Progressive

Reviewed in Utah on February 10, 2026

Progressive is my current insurance, and they are not good. They raise your rates for no reason, even after you've been with them for two or three years.

Kenneth

Verified Review

Auto Insurance

Reviewed in Virginia on February 10, 2026

Expensive.

Previous

1234…25

Next

See all Progressive reviews

Our Advice

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

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.	$97/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.	$147/mo

Show Details

Our Advice

J.D. Power

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

NR

NAIC Index

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

2.18

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

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

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+
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.	4.5 /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.	$98/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.	$139/mo

Show Details

Our Advice

J.D. Power

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

NR

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