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The Cheapest Car Insurance for Augusta Drivers

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Georgia.
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R.E. Fulton
Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Head of Insurance Operations
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Edited by Lina Zhang, Lisenced Insurance Agent

How to find the cheapest car insurance in Augusta

On average, car insurance in Augusta costs about $125 per month for minimum coverage liability insurance, and about $248per month for full coverage insurance. Augusta drivers pay 1% less than the average rate in Georgia.  
There’s no finding the one and only
cheap car insurance company in Georgia
. Your ideal auto insurance provider depends on your driver profile, your credit score, your vehicle, and, of course, where you live! That's why it's essential to compare multiple quotes to find the best coverage at the most affordable price.
In Augusta,
Jerry
is the go-to destination for thousands of savvy car insurance shoppers. We’ve made it simple to compare and buy
car insurance
—without endless paperwork, phone calls, or confusion!
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Progressive
$190
Barbara, 62
Zip: 30901
Hyundai Elantra GLS
• State Minimum Liability
Travelers
$183
Margaret, 35
Zip: 30909
Volkswagen Jetta S
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$118
Betty, 52
Zip: 30907
Toyota Scion TC
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$116
Sophie, 35
Zip: 30906
Ford Fusion SEL
• State Minimum Liability
• Comp / Collision
Gainsco
$330
Bertie, 25
Zip: 30815
KIA Optima EX
• State Minimum Liability
coverageLast Updated Jan 29, 2025

Best Car Insurance Companies in Augusta

Looking for the most competitive car insurance rates in Augusta? Jerry conducted one of the nation's largest insurance shopping surveys to find the answer to that very question.
We discovered that
GEICO
and
State Farm
hold the biggest market shares, but they’re not necessarily the best insurers for every driver. 
Drivers in Augusta rated smaller insurance companies like Clearcover, Gainsco,
Safeco
, and Mercury much higher than the big-name carriers. State Farm and GEICO scored 3.4 and 3.3 out of 5.0 for policy costs, while Mercury Auto scored a perfect 5.0 for both policy costs and customer service. 
The table below shows how drivers in Augusta rated different companies on a scale of 0 to 5.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Progressive
4.4
4
4
4.4
State Farm
4.2
3.6
4.5
4
Geico
3.9
3.2
3.6
4.1
Liberty Mutual
3.7
2.5
3
3.7
USAA
3.3
2.7
4
4.2

Best cheap car insurance quotes in Augusta

To comply with
Georgia car insurance laws
, all drivers in Augusta must carry
liability car insurance
. Liability insurance covers the costs of treatment, repairs, and replacements if you cause harm to someone else or their property while driving. You might also want to increase your coverage limits above the state minimum requirements in certain circumstances—which, we’ll argue, is most of them.

Cheap minimum liability insurance quotes in Augusta

The minimum liability coverage requirements in Georgia—and by extension, Augusta—are 25/50/25.
In other words, you’ll need to buy a policy that provides at least:
Sticking with the minimum required liability coverage often means paying the lowest rates. Here are some of the deals Jerry helped Augusta drivers to find:
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Barbara (62 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30901)
$190
per month
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Owen (28 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30906)
$184
per month
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Sophie (35 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30906)
carFord Fusion SEL
$116
per month
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Safeco
Harriet (36 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30907)
carHonda CR-V LX
$83
per month
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Infinity
Brett (37 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30909)
$117
per month

Do you need more than minimum coverage in Augusta?

Drivers in Augusta should consider coverage that exceeds the 25/50/25 minimum required by the state.
In an at-fault accident in downtown Augusta, medical and vehicle repair expenses could easily add up, especially if someone is seriously injured. If anything exceeds your coverage limits, you’ll have to pay it out-of-pocket. Moreover,
Georgia’s car accident laws
allow injured parties to sue for a variety of damages up to two years after a collision.
The bottom line: Consider 50/100/50 or 100/300/100 liability coverage limits for better financial protection.

Cheap full coverage car insurance quotes in Augusta

There’s no law requiring
full-coverage car insurance
, but it provides a way to pay for repairs or replacements to your vehicle.
A full coverage policy includes
collision coverage
and
comprehensive coverage
. Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object. Comprehensive coverage does the same thing, but it only applies to damages caused by theft, vandalism, or natural disasters.
If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car. You can cut costs by using Jerry to find the lowest full coverage car insurance rates in Augusta.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$106
Nellie, 29
Zip: 30901
Honda Accord SE
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$183
Margaret, 35
Zip: 30909
Volkswagen Jetta S
• State Minimum Liability
• Comp / Collision
Nationwide
$116
Sophie, 35
Zip: 30906
Ford Fusion SEL
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$94
Marion, 68
Zip: 30907
Hyundai Accent GLS
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$172
Emily, 36
Zip: 30904
KIA Sorento
coverageLast Updated Jan 29, 2025
Using a car insurance comparison app or website is the fastest way to compare car insurance quotes online. With the Jerry app, you’ll be able to find savings and get the answers to all your questions from a team of 100+ licensed agents.

Average cost of car insurance in Augusta

After helping thousands of Augusta drivers find car insurance, we can confidently say the average cost of minimum liability coverage is around $125 per month or $1,500 per year. 
The average cost for full coverage insurance in Augusta increases to $248 per month or $$2,976 per year. Costs start at about $125 per month for minimum liability coverage and $248 per month for full coverage policies.
Insurance coverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$103
$1,234
Full coverage
$193
$2,322
Augusta average insurance rates can help you build a budget, but they aren’t the whole story. Every driver’s insurance premiums are determined by a ton of factors, including the type of car they drive, their driver profile, and their claims history. Don’t be surprised if you end up spending more—or less if you comparison shop!

Average cost of car insurance in Augusta by zip code

Zip codes not only indicate where your car insurance provider should send your bills but also how likely you are to file a claim. 
Zip codes with high traffic, crime, or car accident rates (or all three) are considered "riskier" than others to insure. The drivers in these neighborhoods tend to pay higher insurance premiums than those in other parts of Augusta.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
30901
$95
$167
30904
$91
$141
30905
$197
$252
30906
$102
$196
30907
$101
$141
30909
$129
$165
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Car insurance quotes in Augusta by rating factors 

Various factors change
how your car insurance premiums are calculated
in Augusta, including:
  • Your driving record and claims history: Accidents and tickets will increase your insurance rates.
  • Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.
  • Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
  • Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
  • Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.

How Do Different Factors Impact Your Car Insurance Costs in Augusta?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, insurance history.
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Prohibited (or effectively prohibited): Education, occupation, employment status.
Learn more about the car insurance rating factors in Augusta:

Cheap car insurance quotes in Augusta after driving violations

Driver violation points can have a significant impact on your insurance rates. The more points you have, the more high-risk your
Georgia driving record
. If you’re struggling to find affordable rates, here’s what to look for:

Cheapest car insurance in Augusta after speeding ticket

A
Georgia speeding ticket
will cost you anywhere between $25 to $700, but that’s not the worst of it. Your car insurance rates in Augusta could be up to 13% more expensive for years afterward. 
To find savings, you’ll need to compare car insurance quotes from as many providers as you can. Here’s how much Augusta drivers with speeding tickets saved using this method (and Jerry’s help):
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$543
Rhoda, 26
Zip: 30909
Chevrolet Cruze Premier
• 50,000/100,000 Liability
• Comp / Collision
Speeding 11-15
Clearcover
$175
Jose, 27
Zip: 30906
Hyundai Elantra SE
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Mercury
$206
Tillie, 35
Zip: 30909
Dodge Dart SXT
• 50,000/100,000 Liability
• Comp / Collision
Speeding 21+
Mercury
$362
Raymond, 30
Zip: 30909
Infiniti Q60 Journey
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jan 24, 2025

Cheapest car insurance in Augusta after DUI

Committing a
DUI in Georgia
comes with longer-lasting consequences than a ticket, a jail sentence, and a license suspension. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums for many years.
If you have a DUI on your record, it's important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Augusta even after a DUI conviction.
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Matthew (40 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30904)
carJeep Grand Cherokee Limited
$84
per month

Cheapest car insurance in Augusta after an at-fault accident

A few at-fault accidents in your driving history can add many more dollars to your monthly car insurance bills. Auto insurance providers use your
Georgia driving record
to predict how many claims you might make (and how much money you could cost the company); if you appear to be a high-risk investment, they’ll charge you high premiums.
With Jerry’s help, drivers in Augusta found savings with these companies after their at-fault accident:
Accident TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
At Fault With Injury
Progressive
$105
Christina, 30
Zip: 30901
Toyota Camry L
• 50,000/100,000 Liability
At Fault With No Injury
Travelers
$189
Mary, 39
Zip: 30907
KIA Forte FE
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Allstate
$221
Samuel, 28
Zip: 30906
Nissan Sentra 2.0
• State Minimum Liability
• Comp / Collision
Nationwide
$116
Peter, 35
Zip: 30906
Ford Fusion SEL
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jan 27, 2025

Cheapest car insurance in Augusta after other driving violations

Other moving violations, such as driving without a license, stunt driving, or
reckless driving in Georgia
come with their fair share of car insurance woes. If you’ve been hit with traffic tickets and high premiums, here are some of the best companies in Augusta to check for savings:
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Illegal Turn
Progressive
$237
Kate, 33
Zip: 30907
Dodge Dakota
• State Minimum Liability
Failure to Obey Signal
Safeco
$143
Claudia, 36
Zip: 30906
GMC Sierra K1500 SLT
• 100,000/300,000 Liability
• Comp / Collision
Wrong Way/Wrong Lane
Bristol West
$203
Margaret, 44
Zip: 30906
Dodge Charger SRT-8
• State Minimum Liability
Careless Driving
National General
$204
Mollie, 31
Zip: 30904
Jeep Patriot Latitude
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Allstate
$148
Julia, 49
Zip: 30906
Toyota Camry L
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Clearcover
$102
Matilda, 26
Zip: 30909
Ford Taurus X SEL
• State Minimum Liability
Seat Belt
Nationwide
$106
Loretta, 34
Zip: 30901
Nissan Versa SR
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jan 29, 2025

Cheap car insurance quotes in Augusta by age

Car insurance rates follow an inverse bell curve as you age—they start high when you're a teen driver, drop in the middle, and then rise again as you become a senior driver.

Cheapest car insurance in Augusta for young drivers

In general,
teen drivers
between 16 and 19 pay the highest insurance rates of any demographic because they are the most likely to be involved in a car accident. 
If you’ve got a young driver on your insurance policy, consider investing in full-coverage car insurance. You can offset the extra cost by shopping with Jerry for the cheapest car insurance for young drivers in Augusta.
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Theodore (23 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30909)
$252
per month
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Bruce (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationAugusta, GA
(Zip Code: 30906)
$284
per month
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Bristol West
Clarence (23 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30901)
$157
per month
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Clearcover
Larry (24 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30907)
$97
per month

Cheapest car insurance in Augusta for senior drivers

Car insurance rates for senior drivers climb after their 70th birthday for several reasons:
  • They may experience a decline in vision, hearing, and reaction time
  • They are at an increased risk of being involved in a car accident
  • They are more likely to suffer severe injuries in a collision 
The best car insurance companies for seniors
in Augusta offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs.
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Derrick (69 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30901)
carMitsubishi Mirage G4 SE
$166
per month
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Safeco
Marion (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationAugusta, GA
(Zip Code: 30907)
$94
per month
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Gainsco
Seth (69 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30909)
$166
per month
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National General
Cory (74 years old)
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30909)
$193
per month

Cheap car insurance quotes in Augusta based on insurance history

Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a car insurance lapse can raise your insurance rates.
With Jerry's automatic reminders, you can find a fresh start at a new company and remember your payments. You'll receive a detailed price comparison when it's time to renew so you can see if your current rates are still the most competitive in Augusta.
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Earl (42 years old)
Currently Insured
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30901)
$166
per month
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Brent (35 years old)
Not Currently Insured
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30906)
carFord Fusion SEL
$116
per month
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Travelers
Myra (35 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationAugusta, GA
(Zip Code: 30909)
carVolkswagen Jetta S
$183
per month
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Safeco
Belle (31 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationAugusta, GA
(Zip Code: 30909)
carToyota Corolla
$70
per month
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National General
Mayme (50 years old)
Currently Insured
coverageCoverage
State Minimum
locationAugusta, GA
(Zip Code: 30906)
carFord F-150
$116
per month

Cheap car insurance quotes in Augusta for drivers with poor credit

Making your payments on time is as important to auto insurance companies as driving safely. Even good drivers will see their insurance rates increase if their credit score is 550 or less. 
Compared to their poor credit counterparts, Augusta drivers with a high credit score pay almost 20% less for car insurance! However, you can make up the difference by shopping around with Jerry’s quick quote-comparing app.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$290
Rosalie, 22
Zip: 30904
Nissan Maxima S
• State Minimum Liability
660 - 750
Safeco
$143
Cornelia, 36
Zip: 30906
GMC Sierra K1500 SLT
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Allstate
$147
Maud, 36
Zip: 30906
GMC Sierra K1500 SLT
• 100,000/300,000 Liability
• Comp / Collision
550 - 659
Travelers
$183
Virginia, 35
Zip: 30909
Volkswagen Jetta S
• 50,000/100,000 Liability
• Comp / Collision
< 550
Infinity
$117
Rena, 37
Zip: 30909
Toyota Camry LE
• State Minimum Liability
coverageLast Updated Jan 29, 2025

How to lower car insurance costs in Augusta

1. Shop around and compare quotes

Unless you compare auto insurance quotes, you can't be 100% sure that you're getting the best deal. Experts recommend
shopping for car insurance quotes
from at least three different companies every six months.
It may seem like a huge task, but Jerry makes it quick! Sign up in 45 seconds and compare five to seven quotes in less than a minute. You get all the benefits of comparison shopping without having to invest any time or money.

 2. Hunt for car insurance discounts

Getting the right
car insurance discount
can transform a good rate into a great one. You could save by joining a program for:
  • Good drivers. If you’ve held a
    clean driving record
    for at least three years, you’re due for some sweet discounts.
  • Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
  • Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

People living in Augusta pay on average $125 per month – or $1,500 per year – on state-minimum liability coverage. Full coverage in Augusta costs on average $248 per month or $2,976 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Nationwide
,
Progressive
, and
Kemper
receive good ratings from Augusta drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry. 
Based on thousands of Augusta drivers Jerry has worked with, car insurance in Augusta costs an average of $125 per month for state-minimum coverage and $248 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  
The state-minimum car insurance in Augusta, Georgia is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.