Augusta, GA Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Augusta.
How much does car insurance cost in Augusta?
The average cost of auto insurance in Augusta is $758 per year. That's less expensive than the statewide average in Georgia ($804) and less expensive than the national average of $880. Our guide to Augusta auto insurance includes average rates based on age, credit score, and other factors in Augusta. Read on to learn more!
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| Car insurance in Augusta vs. Georgia | Average 6 Mo. Premium |
|---|---|
| Augusta average | $758 |
| Georgia average | $804 |
The Zebra's key takeaways about car insurance in Augusta:
- The average cost of a car insurance policy in Augusta is $758 per six-month policy — $126 per month.
- The cheapest company in Augusta is Georgia Farm Bureau ($556).
- 36% of Zebra customers in Augusta stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Augusta car insurance rates by company
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, Georgia Farm Bureau provides Augusta's cheapest rates. See below the best options for affordable auto insurance in Augusta. Don't forget to get car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Georgia Farm Bureau | $556 |
| USAA | $619 |
| State Farm | $716 |
| GEICO | $745 |
| Progressive | $876 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Augusta.
Augusta auto insurance rates by age
Our data shows that drivers between the ages of 20-29 make up 28% of Augusta drivers. The age group that enjoys the lowest auto insurance rates in Augusta are drivers in their 50s, who pay an average of $664 per year. Those in their 60s don't pay significantly more ($985).
The Augusta drivers facing the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Augusta is to age out of your teens. In Augusta, teenage drivers pay $3,068 per six months — a full $4,765 more than the second-most expensive rate paid by an age group.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,068 |
| 20s | $1,052 |
| 30s | $751 |
| 40s | $717 |
| 50s | $664 |
| 60s | $685 |
| 70s | $857 |
Augusta car insurance rates by credit score
Credit score is often closely correlated with car insurance costs. In fact, Augusta drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 51% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Augusta, moving into the "Fair" credit tier corresponds to an average of $463 in savings on insurance every six months. Our data tells us 40% of drivers in Augusta have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,327 |
| Fair | $864 |
| Good | $758 |
| Very Good | $714 |
| Exceptional | $653 |
Augusta car insurance costs by violation
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Augusta drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $783 per year versus the city average. A ticket for speeding results in a $392 rate hike, on average, while a DUI violation costs $1,146 per year in insurance premiums.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,331 |
| Reckless Driving | $1,150 |
| At-fault Accident (damages less than $1,000) | $1,056 |
| At-fault Accident (damages > $2,000) | $1,176 |
| Speeding Ticket (16-20 mph over speed limit) | $954 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.