Cheapest and Best Car Insurance in Augusta, GA (2024)

The cheapest insurer for you may vary based on your profile and driving record. Allstate is the cheapest insurer for teen drivers on a family policy, while USAA is the least expensive if you have a military background. Auto-Owners Insurance Co is the most affordable option for minimum coverage and drivers with speeding tickets and at-fault accidents. It also offers the best customer service. Country Financial is ideal for minimum coverage policies and drivers with a DUI offense.

The following companies offer the cheapest minimum coverage policies in Augusta:

• Auto-Owners Insurance Co: $312 per year
• Country Financial: $360 per year

State Farm is the most expensive minimum coverage insurer, with an average annual cost of $593. With an average cost of $321 per year, Country Financial is Georgia's most affordable car insurer as of October 2022. This shows how location can significantly impact your insurance rate.

A minimum coverage policy in Georgia will only include bodily injury liability and property damage liability coverage. At a minimum, you’re required to have the following coverage limits in the state:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

The liability coverage limits help you understand the maximum amount the insurance company will cover. For instance, if you have a policy with a $50,000 bodily injury liability per accident and the cost of medical injuries of the victims exceeds this amount, you will have to cover the remaining amount yourself.

MoneyGeek’s analysis shows the following companies have the cheapest full coverage policies in Augusta:

• Country Financial: $758 per year
• Auto-Owners Insurance Co: $766 per year

Progressive has the most expensive full coverage policy, costing an average of $1,095 per year. Country Financial is also the most affordable full coverage insurer in Georgia, at $675 per year as of October 2022. This shows that car insurance rates may be higher in Augusta than in other cities in the state.

You will get collision and comprehensive insurance with a full coverage policy.

• Collision Insurance: If you damage your vehicle in an at-fault accident involving a collision with another vehicle or object, collision insurance will pay for the vehicle’s repair or replacement cost.
• Comprehensive Insurance: This covers the cost of damages from natural disasters, theft and vandalism.

Consider not opting for full coverage car insurance with an older vehicle, as it can be more expensive than the vehicle’s value.

MoneyGeek found that the following car insurance companies offer the most affordable full coverage policies after these driving violations:

• Speeding ticket: Auto-Owners Insurance Co ($861 per year)
• At-fault accident: Country Financial ($1,065 per year)
• DUI: Allstate ($1,106 per year)

Progressive is the most expensive insurer for drivers with a speeding ticket and at-fault accident, charging $1,468 and $2,051 per year, respectively. GEICO has the most expensive rates for drivers with DUI offenses at $2,968 per year.

A driving violation can significantly impact the cost of your insurance, so even a “cheap” rate for you may still be more expensive than an average-priced rate for a safe driver.

More severe driving violations will generally result in more expensive rates; however, this is not always the case. In Augusta, a driver with a DUI will have to pay an average of $444 more for a policy than a driver with a speeding ticket on their record. However, finding the cheapest car insurance for a poor driving record is still possible by shopping around.

In Augusta, 16-year-old teens on a family policy can get the cheapest car insurance from the following companies:

• Allstate: $1,496 per year for female teens and $1,566 per year for male teens
• GEICO: $1,821 per year for female teens
• Auto-Owners Insurance Co: $2,233 per year for male teens

State Farm is the most expensive car insurance company, charging an average of $2,735 per year for female teens and $3,502 per year for male teens.

The insurance rates for male teens are higher because men are risker to insure. However, both men and women generally pay similar rates in early adulthood.

Teen drivers will pay significantly higher rates if they buy an individual policy. MoneyGeek’s analysis shows that the average cost of an individual policy for a 16-year-old teen driver is $6,006 per year, which is $3,112 more than the cost of a family policy. Families with teens can save money by comparing insurers to find the cheapest car insurance for teens.

Active-duty military members or veterans might find the cheapest full coverage policies from the following companies:

• USAA: $702 per year
• Country Financial: $758 per year

The cheapest car insurance companies for military families looking for minimum coverage are Auto-Owners Insurance Co at $312 per year and Country Financial at $360 per year.

It can take up to 15 minutes to receive an insurance quote, since most companies require that you input a significant amount of personal information. If you want a quick estimate, use MoneyGeek’s car insurance calculator. Simply input your age, vehicle type, coverage level and driving record to receive an approximate rate.

The best car insurance for you will vary based on how much you value factors like cost, service quality and coverage options.

These companies are the best options for car insurance in Augusta:

• Best Overall: Country Financial (MoneyGeek score of 81 out of 100)
• Best for service: Auto-Owners Insurance Co (MoneyGeek score of 66 out of 100)
• Best cheap: Auto-Owners Insurance Co (MoneyGeek score of 84 out of 100)

A company’s overall MoneyGeek score might vary across categories based on how individual factors (cost, customer service, service quality, etc.) were weighted. We found that Georgia's best car insurance company is also Country Financial. The best car insurance for military drivers is USAA car insurance, earning a high MoneyGeek score of 85 out of 100.

In Augusta, the following insurers provide the best overall full coverage policies:

• Country Financial: MoneyGeek score of 81 out of 100 ($758 per year)
• Auto-Owners Insurance Co: MoneyGeek score of 81 out of 100 ($766 per year)

Country Financial ranked the highest for customer satisfaction and affordability, showing that you won’t have to compromise between customer service and cost. Those with a military background should consider car insurance from USAA; the insurer received an impressive MoneyGeek score of 85 out of 100.

Excluding cost from our evaluation, the following insurers are the best for customer service in Augusta:

• Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 ($766 per year)
• Country Financial: MoneyGeek score of 65 out of 100 ($758 per year)

Of the insurers we evaluated, Auto-Owners Insurance Co has the highest claims management rating and a relatively high customer service score. This insurance provider also has the second-cheapest rates, which means you can receive quality service without exceeding your budget.

MoneyGeek chose the following companies as the best options for minimum coverage policies in Augusta based on cost and service quality:

• Auto-Owners Insurance Co: MoneyGeek score of 84 out of 100 ($312 per year)
• Country Financial: MoneyGeek score of 75 out of 100 ($360 per year)

Minimum coverage policies are typically the least expensive. However, these policies have the lowest liability limits and won’t protect you against damages to your vehicle if you cause an accident.

The average cost of full coverage car insurance in Augusta is $920 per year. This is $345 less than the national average of $1,265 and $92 less than the average cost of car insurance in Georgia at $1,012 as of October 2022. The primary factor affecting your car insurance rates is your location.

The rates mentioned here are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.