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Cheap Auto Insurance in Augusta Georgia

Augusta is perhaps best known as being the home of the Masters Golf Tournament. But despite being a sporting Mecca, the people who live there still need regular services, including car insurance.

How Much Does Car Insurance In Augusta, GA, cost? 

The price of the average Augusta, GA, insurance policy is $1,517 in 2022, which is lower than both the state average for Georgia at $1,609, and the national average, at $1,548. 

The price of your actual premium, however, will depend on the risk that insurance companies’ believe you pose. It could be higher or lower than that Augusta average. 

How Much Do Augusta Insurance Companies Charge? 

The insurance market in Augusta is not perfect. In fact, there is significant discrepancy in the rates that different companies charge. Therefore, the best way to save on car insurance is to compare the market and find the cheapest price. 

To see just how much auto insurance varies by company, check out the following table: 

Average annual car insurance premium by insurer

InsurerAverage annual rate
Progressive$1,753
GEICO$1,490
State Farm$1,432
USAA$1,239
Georgia Farm Bureau$1,113

There is a $640 difference between the highest average premium from Progressive, and the lowest, from the Georgia Farm Bureau. Remember, insurance rates change all the time, and companies may adjust their calculations, so you should not interpret this table as being indicative of general brand affordability. Also, note that many other insurers offer policies in Augusta, GA, so you do not need to buy cover from any of the companies on this list to get a great deal. 

How Much Does The Cost Of Augusta Car Insurance Vary By Age? 

As you might expect, the cost of Augusta car insurance varies considerably by age, as it does in the rest of the country. Those who are in their fifties pay an average of $1,329 per year, while teenagers must fork out a whopping $6,136.

Fortunately, once you stop being a teenager and get into your twenties, the cost of insurance falls dramatically. Premiums more than half to just $2,105 per annum. 

Note, though, that this is an average figure for those between the ages of 20 and 29. Some insurers still charge high rates for those in their early twenties. 

Average annual car insurance premium by age

Age categoryAverage annual premium
16 -19$6,136
20 – 29$2,105
30 – 39$1,503
40 – 49$1,495
50 – 59$1,329
60 – 69$1,371
70 +$1,714

Insurance rates rise for those over the age of seventy because they are more likely to be involved in accidents. However, the increase in the premium is minimal compared to the cost of insuring a vehicle for a young driver. 

How Much Does Driving History Affect Insurance Premiums In Augusta?

Driving history can have a significant impact on the car insurance rates that people pay in Augusta. If you have tickets, citations or accidents on your record, it can bump up your premiums significantly. How much they rise depends on the risk that your insurer believes that you pose. 

Augusta car insurance rates by driver history

Citation/HistoryAverage annual premium
Speeding ticket (16-20 mph over limit)$1,909
At-fault accident with damages < $1,000$2,112
Reckless driving$2,300
At-fault accident with damages > $2,000$2,352
DUI/DWI$2,664

Insurers may raise your premiums slightly for a minor speeding violation, 15 mph or less above the limit. However, if you go 16 to 20 mph faster than allowed and get caught, you’ll have to fork out $392 more per year in insurance. The most expensive traffic violations are DUIs which carry a premium of $1,146 per year on top of your regular bills. 

The message is this: if you want to keep your insurance premiums low, avoid any incidents on your driving record. Insurers will treat these as a sign that you are a risky or dangerous driver and use it as rationale to ask for more money. 

How Does Credit Tier Affect Auto Insurance Rates In Augusta?

In most states, credit score is not a major determinant of auto insurance rates. In fact, some states, such as California, Massachusetts and Michigan, insurers are either limited or prohibited from using it in premium calculations. However, in Augusta, Georgia, it makes a significant difference in the price that drivers pay. 

Credit score affects auto insurance rates because they help insurers learn more about drivers. Those with good credit scores are much more likely to pay their monthly premiums on time, increasing the chance that the insurer will receive more in premiums than they give out in cover.

FICO categorizes credit scores as either “exceptional” (800 – 850), “very good” (740 – 799), “good” (670 – 739), “fair” (580 to 669) and “poor” (300 – 579) depending on your credit history. The higher drivers are on the schedule, the lower the premiums they pay. 

Augusta car insurance premiums by credit rating

Credit tierAverage annual premium
Very poor$2,654
Fair$1,728
Good$1,517
Very good$1,429
Exceptional$1,306

As you can see, the benefits of improving your score from “very poor” to “good” are significant. You could save an estimated $1,137 per year if you make this switch. 

Improving your credit score above “good” may provide additional benefits, but not as great as before. Drivers that improve to “very good” can reduce their premiums by an average of $88, while those with exceptional credit ratings could cut costs by an additional $123 per annum. 

How Does Gender And Marital Status Affect Car Insurance Premiums? 

Your gender and marital status can have a small impact on the insurance premiums that you pay, but not a great deal. 

Augusta car insurance premiums by gender and marital status

Credit tierAverage annual premium
Married$1,343
Divorced$1,517
Single$1,343
Male$1,517
Female$1,521

You may be able to get a lower premium on your insurance if you are married and you avoid divorce. There is no significant difference between male and female driver insurance premiums. 

How Does Postal Code Affect Augusta Minimum Premiums? 

Where you live also plays a role in determining how much insurance you should pay. Unfortunately, in Augusta, the risks to vehicles are higher than they are in many other cities in the U.S. For instance, Augusta is 55th out of the 300 most populous cities in America for car accident fatalities and 89th for car thefts. It is also high in terms of annual rainfall and rainy days, ranking 56th and 129th respectively. These risk factors mean that no matter how good your credit rating is, you are likely to pay slightly more, on average, for insurance in Augusta than in other populated areas. 

If you live in ZIP code 30907, your minimum insurance premium is $1,173 per year. Those living in 30909 will pay a minimum of $1,197 and those in 30906 will pay $1,231. Areas with higher insurance premiums tend to have greater crime and auto thefts. 

What Are The Best Car Insurance Companies In Augusta?

When choosing cover for your vehicle, it is important to find an insurer with the ability to pay out, should you need to make a claim. The vast majority of insurers operating in Augusta, GA, have good financial security, maintaining large cash balances to cover cash payouts. However, as you might expect, there are differences between them. 

In some cases, it might not be prudent to choose the insurer offering the lowest-priced premiums. While you will spend less each month on car insurance, you may not get the cover or the service you desire, should you need to make a claim. 

Independent insurance review sites regularly rate insurance companies in Augusta. The goal is to provide drivers with the information they need to decide on which company they should choose. 

Here’s a rundown of the top car insurance companies you should consider: 

#1: USAA

  • Affordability: 4/5
  • Claims rating: 5/5
  • User satisfaction: 4/5 
  • Financial stability: A++

USAA is one of the United State’s leading group of financial companies, offering banking and investing in addition to insurance products. The provider primarily serves veterans and active military personnel. 

#2: Auto-Owners Insurance Co

  • Affordability: 4/5
  • Claims rating: 3/5
  • User satisfaction: 4/5 
  • Financial stability: A++

Auto-Owners Insurance Group is a mutual company offering life, car, home and business insurance. In 2020, it’s revenue was $8.8 billion, giving it deep pockets to honor claims made. Net income for 2020 was $832 million, a healthy profit providing financial stability. 

#3: ALFA

  • Affordability: 4/5
  • Claims rating: 4/5
  • User satisfaction: 4/5 
  • Financial stability: A

ALFA is not as financially stable as the two big names discussed above, but it makes up for that with quality of service. Users rate it as good in every department, including affordability and user satisfaction. 

#4: GEICO

  • Affordability: 3/5
  • Claims rating: 3/5
  • User satisfaction: 3/5 
  • Financial stability: A++

GEICO, also known as The Government Employees Insurance Company, is a private U.S. insurer based in Maryland. It is currently the second largest car insurer in the country, after State Farm. While it offers tremendous financial stability, other aspects of its service are satisfactory at best. 

#5: State Farm

  • Affordability: 3/5
  • Claims rating: 3/5
  • User satisfaction: 4/5 
  • Financial stability: A

State Farm is a conglomerate of mutual companies based in Bloomington, Illinois. The company’s high user satisfaction rating explains why it is so popular. However, it does not always offer the lower premiums, and there are some minor questions concerning its financial stability. 

How To Manage Your Driving License In Augusta, GA

Augusta allows drivers to use online services, including the DDS 2 GO mobile app to manage their driver’s license. In Georgia, residents must renew auto tags in the 30 days before their date of birth. Regular residents can do tagging at either their County Tag Office or online. Non-residents and members of the military stationed at Fort Gordon need to attend offices in person. 

How To Get The Cheapest Car Insurance In Augusta, GA

The best way to get the cheapest car insurance in Augusta, GA, is to compare prices on a price comparison site. These sites typically display lower rates than would be available on the insurer’s own site. 

However, paying as little as possible isn’t always the best policy. As discussed above, insurers vary dramatically in the type of service they provide. 

If customer service is important to you, you may wish to pay more. Insurers with higher premiums are able to offer customers better phone support and fast-track claims when they call. They can also provide additional services, such as courtesy cars in the event of an accident, and even additional cover that insures against the need to pay an excess. 

Companies also vary considerably according to their claims processes. Many attempt to reduce the amount of money they pay out by quoting terms and conditions that disqualify you. Before you take out any policy, you should check these terms carefully to make sure that you don’t fall foul of them when the time finally comes to make a claim. 

All together

Overall, Augusta is a slightly cheaper location to insure your car from the national average, and Georgia as a whole. However, how much you pay depends substantially on your risk profile, with young drivers, and those with poor credit ratings and driving histories, paying the highest premiums. 

The best way to reduce car insurance costs in Augusta, GA, is simply to get older. Failing that, you may want to find ways to improve your credit score. 

In many cases, you can get a better deal when you come to renew by switching your insurer. There is no need to remain with your current provider long-term if their terms are unacceptable. 

Get the best rates by comparing multiple car insurance quotes! Affordable auto insurance for every budget. Proving that we offer the best in cheap car insurance in your zipcode!



Local Auto Insurance agents



* We are not affiliated with any of the agents listed below
0.34 driving distance
219780


2100 Central Ave Ste D4, Augusta, GA 30904

(706) 922-7283

State Farm
0.52 driving distance
123515


1901 Walton Way, Augusta, GA 30904

(706) 210-4651

Nationwide
1.14 driving distance
313912


2476 Wrightsboro Rd, Augusta, GA 30904

(706) 860-7500

Foremost, Grange, MetLife Auto & Home, Travelers, Victoria
1.14 driving distance
73737


2501 Wrightsboro Rd, Augusta, GA 30904

(706) 733-6744

State Farm
1.53 driving distance
306002


2803 Wrightsboro Rd Ste 33, Augusta, GA 30909

(706) 733-7033

Victoria
1.53 driving distance
73744


2803 Wrightsboro Rd Ste 12, Augusta, GA 30909

(706) 737-6060

Foremost, The General, Assurance America, MILE, Gainsco, National General, Co-operative, Aggressive, Dairyland, Hallmark, State Auto, Titan, Victoria
Servicing Georgia and South Carolina, Affordable Insurance Agency, Inc. offers a variety of insurance products and packages for your home, auto or business. We offer the option of purchasing annual and semi-annual policies with affordable monthly payments to ensure you receive top-of-the-line insurance coverage.
1.61 driving distance
73731

The Insurance Center

1499 Ellis St, Augusta, GA 30901

(706) 722-4818

Auto-Owners, Grange, State Auto, Travelers – Auto, Home Insurance
1.68 driving distance
73748


2945 Walton Way, Augusta, GA 30909

(706) 738-0411

Central, Donegal, Foremost, Titan, Travelers, Victoria
2.04 driving distance
73729

Donald H Bailie Agency

1220 Greene St, Augusta, GA 30901

(706) 722-0000

Auto-Owners, Central, Foremost, Infinity, Travelers – Auto, Home Insurance
2.06 driving distance
73733


1254 Broad St, Augusta, GA 30901

(706) 722-7292

Foremost, Grange, Infinity, The General – Auto Insurance,Home
2.14 driving distance
73732

William J Hefferman & Company

1228 Reynolds St, Augusta, GA 30901

(706) 722-6441

Foremost, Grange, Infinity, Progressive – Auto, Home Insurance
2.37 driving distance
73693


3108 Wrightsboro Rd Ste A, Augusta, GA 30909

(706) 667-0879

Allstate – Auto, Home Insurance
2.40 driving distance
73736


931 Broad St, Augusta, GA 30901

(706) 724-2452

Auto-Owners, Donegal, Foremost, Grange, Hanover, State Auto, Titan, Victoria
2.40 driving distance
209260


306 West Ave, North Augusta, SC 29841

(803) 278-5708

Allstate – Auto, Home Insurance
2.41 driving distance
73743


1557 Gordon Hwy Ste F, Augusta, GA 30906

(706) 737-2896

Aggressive, Assurance America, Co-operative, Dairyland, Foremost, Gainsco, Hallmark, Infinity, MILE, National General, State Auto, The General, Titan, Victoria
Servicing Georgia and South Carolina, Affordable Insurance Agency, Inc. offers a variety of insurance products and packages for your home, auto or business. We offer the option of purchasing annual and semi-annual policies with affordable monthly payments to ensure you receive top-of-the-line insurance coverage.
2.41 driving distance
210581


1557 Gordon Hwy Ste D, Augusta, GA 30906

(706) 738-6283

Allstate – Auto, Home Insurance
2.43 driving distance
287074


1745 Gordon Hwy, Augusta, GA 30904

(706) 737-0978

State Farm
2.64 driving distance
123518


516 Georgia Ave, North Augusta, SC 29841

(803) 279-8046

Nationwide
2.65 driving distance
90726


108 W Spring Grove Ave, North Augusta, SC 29841

(803) 279-8855

Auto-Owners, Foremost, State Auto, Travelers – Auto, Home Insurance
2.68 driving distance
90727


533 Georgia Ave, North Augusta, SC 29841

(803) 279-9660

State Farm
2.94 driving distance
150875


2429 Peach Orchard Rd, Augusta, GA 30906

(706) 798-4968

State Farm
2.99 driving distance
73735


453 Broad St, Augusta, GA 30901

(706) 722-9444

Infinity, The General, Assurance America, MILE, Gainsco, National General, Co-operative, Aggressive, Dairyland, Hallmark, State Auto, Titan, Victoria
Servicing Georgia and South Carolina, Affordable Insurance Agency, Inc. offers a variety of insurance products and packages for your home, auto or business. We offer the option of purchasing annual and semi-annual policies with affordable monthly payments to ensure you receive top-of-the-line insurance coverage.
3.06 driving distance
73855

Us Discount Tax & Insurance Center

349 Greene St, Augusta, GA 30901

(706) 860-3887

MetLife Auto & Home, Titan, Victoria
3.08 driving distance
73822

Peach State Insurance

2505 Peach Orchard Rd, Augusta, GA 30906

(706) 798-1352

Foremost, Travelers – Auto, Home Insurance
3.08 driving distance
73746


2601 Commons Blvd, Augusta, GA 30909

(706) 737-8811

Auto-Owners, EMC, Encompass, Grange, Harleysville, State Auto, The Hartford, Travelers, Kemper, Westfield
3.16 driving distance
204784

MetLife Auto & Home

360 Bay St Ste 125, Augusta, GA 30901

(706) 261-9092

Foremost, MetLife Auto & Home
3.21 driving distance
258659


202 E Martintown Rd, North Augusta, SC 29841

(803) 279-0420

Nationwide
3.21 driving distance
90822

Jay Weigle Insurance Group

419 W Martintown Rd, North Augusta, SC 29841

(803) 426-2026

Foremost – Auto, Home Insurance
3.31 driving distance
73825


2541 Peach Orchard Rd, Augusta, GA 30906

(706) 798-4484

Foremost, Grange, Titan, Victoria
3.40 driving distance
125827


1145 Georgia Ave, North Augusta, SC 29841

(803) 279-5411

Allstate – Auto, Home Insurance
3.49 driving distance
201224

Cleo Parker

2616 Peach Orchard Rd, Augusta, GA 30906

(706) 771-0007

Foremost, GuideOne, The Hartford – Auto,Home,life
3.69 driving distance
200712

Sherman & Hemstreet

3523 Walton Way Ext, Augusta, GA 30909

(706) 722-8334

Travelers – Auto, Home Insurance
3.71 driving distance
242182


3351 Wrightsboro Rd Ste 201, Augusta, GA 30909

(706) 737-0194

Allstate – Auto, Home Insurance
3.72 driving distance
73747


1810 Wylds Rd Ste D, Augusta, GA 30909

(706) 737-9003

Allstate – Auto, Home Insurance
3.77 driving distance
73753

AAA Insurance

3601 Walton Way Ext, Augusta, GA 30909

(706) 738-6611

AAA, Donegal, Foremost, Safeco – Auto, Home, Life
3.79 driving distance
73738


3510 Wheeler Rd, Augusta, GA 30909

(706) 733-6888

Foremost, Kemper, The Hartford, Travelers – Auto, Home Insurance
3.81 driving distance
73734


3512 Wheeler Rd, Augusta, GA 30909

(706) 722-8338

Chubb, Cincinnati, EMC, Foremost, State Auto, The Hartford – Auto,Home,life
3.87 driving distance
539523

Leonard New

2113 Lumpkin Rd, Augusta, GA 30906

(706) 755-4103

ANPAC
3.87 driving distance
539520

Mark Samaha

2113 Lumpkin Rd, Augusta, GA 30906

(706) 790-5350

ANPAC
4.04 driving distance
73751

The Insurance Agency

3435 Wrightsboro Rd, Augusta, GA 30909

(706) 738-4593

Foremost, Infinity, National General, The General, Titan, Victoria
4.07 driving distance
327973


3540 Wheeler Rd Ste 102, Augusta, GA 30909

(706) 364-0851

Nationwide
4.07 driving distance
276943


3540 Wheeler Rd Ste 604, Augusta, GA 30909

(706) 738-6657

Allstate – Auto, Home Insurance
4.07 driving distance
73808


3084 Deans Bridge Rd, Augusta, GA 30906

(706) 790-4381

Foremost, Infinity, The General, Assurance America, MILE, Gainsco, National General, Co-operative, Aggressive, Dairyland, Hallmark, State Auto, Titan, Victoria
Servicing Georgia and South Carolina, Affordable Insurance Agency, Inc. offers a variety of insurance products and packages for your home, auto or business. We offer the option of purchasing annual and semi-annual policies with affordable monthly payments to ensure you receive top-of-the-line insurance coverage.
4.12 driving distance
208146


1740 Georgia Ave, North Augusta, SC 29841

(803) 279-8383

State Farm
4.19 driving distance
285827


3107 Deans Bridge Rd, Augusta, GA 30906

(706) 790-9707

Allstate – Auto, Home Insurance
4.33 driving distance
298574


3128 Deans Bridge Rd Ste D, Augusta, GA 30906

(706) 792-0086

Nationwide
4.35 driving distance
73827


3108 Peach Orchard Rd Ste 3, Augusta, GA 30906

(706) 798-8860

Cornerstone, Foremost, Hallmark, The Hartford, Travelers – Auto, Home Insurance
An independent agency offering all types of personal and business insurance, bonds, Medicare advantage, financial planning and estate planning.
4.42 driving distance
287778


2743 Perimeter Pkwy Ste 200 Ste 10, Augusta, GA 30909

(706) 619-3550

American Family
4.42 driving distance
125826


1832 Georgia Ave, North Augusta, SC 29841

(803) 279-6700

Allstate – Auto, Home Insurance
4.46 driving distance
287173


3320 Washington Road , Augusta, GA 30907

(706) 863-2956

State Farm
4.49 driving distance
73818


3123 Peach Orchard Rd, Augusta, GA 30906

(706) 793-6204

State Farm
4.54 driving distance
73874


3328 Washington Rd Ste C, Augusta, GA 30907

(706) 863-5108

Foremost, Nationwide
4.54 driving distance
150877


1201 George C Wilson Dr, Augusta, GA 30909

(706) 860-1233

State Farm
4.57 driving distance
73853

Great South Insurance

3401 Washington Rd, Martinez, GA 30907

(706) 860-1774

Allied, Encompass, Farmers, Foremost, The General – Auto Insurance,Home
4.58 driving distance
73842

A Affiliated Insurance Agency

3405 Washington Rd, Martinez, GA 30907

(706) 855-8805

Infinity, The General, Safeco – Auto, Home, Life
4.59 driving distance
164648


1229 Augusta West Pkwy, Augusta, GA 30909

(706) 860-6787

Chubb, Foremost, Grange, Kemper, The Hartford, Titan, Travelers, Victoria
4.59 driving distance
73680


245 Davis Rd, Augusta, GA 30907

(706) 650-6000

Central, Chubb, Cincinnati, EMC, Encompass, Foremost, Frankenmuth, Grange, Infinity, Selective, The Hartford, Travelers, Westfield
4.75 driving distance
258041


151 Davis Rd, Augusta, GA 30907

(706) 793-4574

Nationwide
4.79 driving distance
278044

Capital Insurance

144 Davis Rd, Augusta, GA 30907

(706) 305-1698

The General – Auto Insurance,Home
4.84 driving distance
73824


3299 Peach Orchard Rd, Augusta, GA 30906

(706) 798-3036

Nationwide
4.85 driving distance
310103


3238 Peach Orchard Rd, Augusta, GA 30906

(706) 790-4600

Allstate – Auto, Home Insurance
4.85 driving distance
278045

Affordable Insurance Agency

3328 Washington Rd Ste L, Martinez, GA 30907

(706) 210-4794

The General – Auto Insurance,Home
4.85 driving distance
73870


3328 Washington Rd Ste L, Augusta, GA 30907

(706) 863-0060

Aggressive, Assurance America, Co-operative, Dairyland, Foremost, Gainsco, Hallmark, Infinity, MILE, National General, State Auto, Titan, Victoria
Servicing Georgia and South Carolina, Affordable Insurance Agency, Inc. offers a variety of insurance products and packages for your home, auto or business. We offer the option of purchasing annual and semi-annual policies with affordable monthly payments to ensure you receive top-of-the-line insurance coverage.
4.85 driving distance
179098

Wetherington Insurance Agency

3328 Washington Rd Ste L, Augusta, GA 30907

(706) 798-6106

The Hartford – Auto,Home,life
4.90 driving distance
201927


3240 Peach Orchard Rd, Augusta, GA 30906

(706) 793-2399

Assurance America, Foremost, Infinity, National General, Progressive – Auto, Home Insurance
We have been in the same location for 7 years. We represent several companies so depending on your situation we have the right coverage for you. Low down payments and several payment plans.
4.91 driving distance
73856

Dougherty Insurance Services

123 Davis Rd, Martinez, GA 30907

(706) 860-6584

Foremost, Infinity, The General – Auto Insurance,Home
4.97 driving distance
242400


119 Davis Rd Ste 9c, Martinez, GA 30907

(706) 855-7555

Allstate – Auto, Home Insurance
4.97 driving distance
310217


119 Davis Rd Ste 9c, Martinez, GA 30907

(706) 394-7190

Allstate – Auto, Home Insurance
4.97 driving distance
73290

WMW Insurance & Tax Services

119 Davis Rd Ste 8a, Martinez, GA 30907

(706) 210-4400

Foremost, MetLife Auto & Home, The Hartford, Travelers – Auto, Home Insurance
Languages: English & Spanish.
5.03 driving distance
530831


341 Furys Ferry Rd Ste 4, Augusta, GA 30907

(706) 228-5779

Liberty Mutual
5.07 driving distance
292892


3350 Peach Orchard Rd Ste 805, Augusta, GA 30906

(706) 869-4322

Foremost – Auto, Home Insurance
5.54 driving distance
73823


3420 Peach Orchard Rd, Augusta, GA 30906

(706) 798-1975

Foremost, GuideOne, Infinity, MetLife Auto & Home, Titan, Victoria
6.79 driving distance
287037


1030 Jimmie Dyess Parkway , Augusta, GA 30909

(706) 737-0422

State Farm
7.01 driving distance
536475

Stewart Agency

3588 Peach Orchard Rd, Augusta, GA 30906

(706) 796-1985

Foremost – Auto, Home Insurance
7.50 driving distance
541661


3661 Peach Orchard Rd, Augusta, GA 30906

(706) 560-1111

Allstate – Auto, Home Insurance

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