Augusta, Georgia is one of the largest metropolitan areas in the state. The average cost of full coverage car insurance in Augusta is $1,575, a little lower than the Georgia state average, which comes in at $1,625.
The best way to find the most affordable coverage is to compare policy options from a number of insurance companies. policycentral can help you see quotes from top providers and choose the coverage that's right for you.
Methodology & why you can trust our rates
policycentral has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Augusta, GA
Car insurance companies all use factors like your age, driving history, vehicle type, and even credit score to determine car insurance rates. But each company uses a unique calculation system, so a single driver can get two very different quotes from two different companies.
Company | Average cost | JD Power Rating |
|---|---|---|
Auto-Owners Insurance | $1,024 | 865 |
USAA | $1,069 | 890 |
Central Insurance | $1,288 | -- |
GEICO | $1,320 | 874 |
COUNTRY Financial | $1,348 | -- |
Cheapest car insurance rates by ZIP code in Augusta, GA
Car insurance companies consider local factors like crime rates, traffic incidents, and parking options to determine insurance rates. That’s why the neighborhood you live in is one of the most important factors when it comes to car insurance costs.
The table below displays the average cost of car insurance in some of the ZIP codes in Augusta.
ZIP code | Average cost |
|---|---|
30909 | $1,556 |
30904 | $1,557 |
30912 | $1,570 |
30905 | $1,578 |
30906 | $1,579 |
30805 | $1,583 |
30901 | $1,584 |
30815 | $1,596 |
Choosing the right car insurance company in Augusta, GA
Overall cost and coverage options are often the most important factors when people are shopping for car insurance. But it's also important to consider things other than just cost and coverage, you should look at discount options and customer service ratings before you pick a policy.
If you're ready to start shopping, policycentral can help you see quotes from top providers in your area and choose the policy that's right for you.
Car insurance rates for drivers with driving violations in Augusta, GA
Driving record is also a factor when determining car insurance rates. Things like a DUI/DWI, improper passing, even failure to stop at a red light can negatively impact a driver's car insurance rates.
Violation | Auto-Owners Insurance | USAA | Central Insurance | GEICO | COUNTRY Financial |
|---|---|---|---|---|---|
At-fault accident | $1,363 | $1,604 | $2,038 | $2,092 | $1,886 |
DUI | $1,922 | $2,239 | $2,857 | $4,131 | $2,308 |
Suspended license | $1,922 | $2,123 | $2,857 | $2,558 | $2,308 |
Open container | $1,014 | $1,645 | $2,857 | $1,361 | $1,952 |
Expired registration | $1,014 | $1,389 | $1,664 | $1,361 | $1,952 |
Driving without lights | $1,014 | $1,389 | $1,758 | $1,361 | $1,952 |
Running a red light | $1,014 | $1,389 | $1,758 | $1,361 | $1,952 |
Following too closely | $1,014 | $1,389 | $1,758 | $1,361 | $1,952 |
Hit and run | $1,922 | $2,356 | $2,857 | $4,131 | $2,308 |
Not-at-fault accident | $1,014 | $1,126 | $1,379 | $1,208 | $1,484 |
Passing a school bus | $1,123 | $1,645 | $1,758 | $2,558 | $1,952 |
Reckless driving | $1,922 | $1,645 | $2,857 | $2,558 | $2,308 |
Speeding | $1,305 | $1,389 | $1,758 | $2,558 | $1,952 |
Cheapest car insurance for drivers with a DUI in Augusta, GA
Company | Rates for drivers with DUIs |
|---|---|
Auto-Owners Insurance | $1,922 |
USAA | $2,239 |
COUNTRY Financial | $2,308 |
Central Insurance | $2,857 |
GEICO | $4,131 |
Cheapest car insurance for drivers with a speeding ticket in Augusta, GA
Company | Rates for drivers with speeding tickets |
|---|---|
Auto-Owners Insurance | $1,305 |
USAA | $1,389 |
Central Insurance | $1,758 |
COUNTRY Financial | $1,952 |
GEICO | $2,558 |
Cheapest car insurance for drivers with bad credit in Augusta, GA
Credit scores are also used to help calculate car insurance rates. Drivers with poor credit will generally pay more for coverage — but some companies are more forgiving of a low credit score than others.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,625 |
Nationwide | $1,943 |
USAA | $2,017 |
COUNTRY Financial | $2,127 |
Allstate | $2,242 |
Buying car insurance in Augusta, GA
Drivers in Georgia are required to have at least $25,000 per person and $50,000 per accident in bodily liability coverage. Georgia drivers are also required to carry a minimum of $25,000 in property damage liability coverage.
It's also important to know that Georgia is an at fault state. That means that after an accident, the insurance company of the responsible driver has to cover the victims’ injuries and damage.
How to get cheap car insurance in Augusta, GA
If your insurance rates seem too high, then consider some of these go-to ways to help lower rates and find cheap car insurance.
Ask about discounts: Many insurance companies offer discounts for qualifying customers, like savings for safe drivers, good students and for going paperless or paying your premium in full
Improve your credit score: Take steps to improve low credit scores, like paying down debt and making all payments on time
Increase your deductible: Raising your insurance deductibles for comp and collision can significantly lower your rates.
Shop around: Compare quotes from multiple carriers before you settle on a policy, and reshop yearly to make sure you’re still getting the best rates
Frequently asked questions
Which ZIP code is the most expensive?
At $1,596 per year, 30815 is the most expensive ZIP code in Augusta for a full coverage policy.
Is car insurance in Georgia expensive?
Car insurance rates in Georgia are a few dollars lower than the national average, but drivers can still save money on car insurance by comparing quotes from multiple companies.
Is Georgia an at-fault state or a no-fault state?
Georgia is an a-fault state, which means that the driver who is responsible for an accident is financially responsible for all bodily injury and property damage costs caused by that accident. If you are at fault for an accident and don't have enough liability insurance, you will be required to pay the additional costs out of pocket.
How much is car insurance per month in Georgia?
Drivers in Georgia pay an average of $1,625 per year for car insurance, which breaks down to $135 per month.
