Key Takeaways
- State Farm is the cheapest car insurance company for most drivers in Augusta, Georgia, with rates averaging $99 for minimum coverage and $113 for full coverage.
- USAA offers even cheaper rates for drivers with military ties.
- Augusta drivers pay less for car insurance than other Georgians do, on average.
In this article
Cheapest car insurance in Augusta, Georgia: State Farm
State Farm has the cheapest car insurance for most drivers in Augusta, charging just $99 per month for minimum coverage. That’s over $20 cheaper than the citywide average of $122 per month.
USAA is technically the best option, with a minimum-coverage rate of just $88 per month, but only military members and their families can buy policies from USAA.
| Company | Monthly rate |
|---|---|
| State Farm | $99 |
| GA Farm Bureau | $104 |
| Progressive | $114 |
| Allstate | $119 |
| City average | $122 |
| GEICO | $149 |
| Auto-Owners | $179 |
| USAA | $88 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Insurance that meets a state’s legal requirements is considered minimum coverage. In Georgia, all drivers must purchase liability insurance meeting the following amounts:
- $25,000 bodily injury coverage per person/$50,000 per accident
- $25,000 property damage coverage
To get your cheapest rate for a minimum-coverage policy, compare car insurance quotes from multiple providers.
When it comes to full-coverage car insurance, State Farm is also the best widely available option in Augusta, charging $115 per month, on average.
USAA is again a better choice for military members and their families, while Allstate and Progressive also offer rates below the citywide average of $139.
| Company | Monthly rate |
|---|---|
| State Farm | $113 |
| GA Farm Bureau | $115 |
| Allstate | $132 |
| Progressive | $136 |
| City average | $139 |
| GEICO | $173 |
| Auto-Owners | $203 |
| USAA | $98 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Full-coverage car insurance typically includes collision and comprehensive coverages, in addition to meeting the state’s liability requirements. Drivers may also add coverages for other circumstances, such as uninsured or underinsured motorists.
How much does car insurance cost in Augusta, on average?
In Augusta, the average minimum-coverage car insurance policy costs $122 per month. That’s cheaper than the average cost statewide, which is $141.
When it comes to full coverage, Augusta drivers also pay less than most Georgians. The average policy costs $139 citywide, whereas that number increases to $162 when accounting for the whole state.
Get the cheapest car insurance in Augusta, Georgia
What are the car insurance requirements in Augusta?
In Georgia, drivers need to have at least the minimum required liability insurance, which includes protections for bodily injury and property damage. Policies must meet the following amounts:
- $25,000 in bodily injury coverage per person
- $50,000 in bodily injury coverage per accident
- $25,000 in property damage coverage
Full-coverage car insurance isn’t required in any state. That said, many lenders and lessors may ask for it, and it’s also recommended for drivers with new or expensive vehicles.
Cheapest car insurance in Augusta with driving violations: State Farm and GA Farm Bureau
Most drivers with a speeding ticket in Augusta will find the cheapest car insurance rates from State Farm, while the Georgia Farm Bureau follows close behind.
State Farm charges drivers with one speeding ticket on their record $125 per month, on average. The Georgia Farm Bureau, meanwhile, charges $126. USAA again offers a slightly better option for those who qualify.
| Company | Monthly rate |
|---|---|
| State Farm | $125 |
| GA Farm Bureau | $126 |
| Allstate | $148 |
| USAA | $122 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Drivers with an accident on their record should turn to the Georgia Farm Bureau, which charges Augusta drivers an average of $126 a month.
State Farm also offers an average premium well below the city’s average. The company charges $136, while drivers citywide pay a mean cost of $191.
| Company | Monthly rate |
|---|---|
| GA Farm Bureau | $126 |
| State Farm | $136 |
| Allstate | $202 |
| USAA | $146 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
State Farm has the cheapest car insurance for drivers with a DUI on their record at an average of $125 per month.
That rate is less than half the citywide average. In Augusta, drivers with a DUI pay a mean cost of $263 per month.
| Company | Monthly rate |
|---|---|
| State Farm | $125 |
| Allstate | $176 |
| GA Farm Bureau | $219 |
| USAA | $195 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving recordd. | |
Cheapest car insurance in Augusta for senior drivers: State Farm
State Farm offers the most affordable car insurance for senior drivers in Augusta. At State Farm, a 60-year-old with a clean driving record will find minimum-coverage rates of $93 per month.
Progressive and GEICO are also strong options, with rates of $97 and $101, respectively.
| Company | Monthly rate |
|---|---|
| State Farm | $93 |
| Progressive | $97 |
| GEICO | $101 |
| USAA | $79 |
| Rates are for minimum-coverage car insurance for a 60-year-old male with a good driving record. | |
For most Augusta seniors, the cheapest full-coverage car insurance will also come from State Farm. The company’s premiums average just $106 per month.
In Augusta, the average senior pays just $121 per month for full coverage. That compares favorably to the average citywide cost overall, which is $139.
| Company | Monthly rate |
|---|---|
| State Farm | $106 |
| GA Farm Bureau | $112 |
| GEICO | $116 |
| USAA | $89 |
| Rates are for full-coverage car insurance for a 60-year-old male with a good driving record. | |
Compare car insurance quotes from top companies
Cheapest car insurance in Augusta for teen drivers: State Farm
The majority of teen drivers will find the best deal on car insurance at State Farm. For minimum-coverage policies, the company charges $303 per month, on average.
In our survey, “teen drivers” were classified as 18-year-olds with a clean record — that means no DUIs, speeding tickets or accidents.
| Company | Monthly Rate |
|---|---|
| State Farm | $303 |
| GA Farm Bureau | $321 |
| GEICO | $369 |
| USAA | $201 |
| Rates are for minimum-coverage car insurance for an 18-year-old male with a good driving record. | |
State Farm has the best car insurance for teen drivers in Augusta who want full-coverage policies, too. While USAA offers better rates for those who qualify, State Farm has the cheapest premiums for most drivers.
State Farm’s average policy costs $351 per month, well below the citywide average of $466.
| Company | Monthly rate |
|---|---|
| State Farm | $351 |
| GA Farm Bureau | $358 |
| Allstate | $425 |
| USAA | $229 |
| Rates are for full-coverage car insurance for an 18-year-old male with a good driving record. | |
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Augusta ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Georgia’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- Atlanta
- Augusta
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