Cheapest car insurance companies in Augusta 

Auto-Owners and Travelers offer the cheapest car insurance rates in Augusta for 2023, according to a study by Insurance.com.

Auto-Owners is the cheapest option for most Augusta drivers, with an average annual rate of $694

When it comes to car insurance costs in Augusta, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy. 

CompaniesAverage annual rates
Auto-Owners$694
Travelers$805
USAA$846
Progressive$1,065
Allstate$1,166
Geico$1,214
State Farm$1,248
MMG Insurance$1,351
Frankenmuth Insurance$1,464
Farmers$1,694

Cheapest car insurance cost in Augusta by Age Group 

Auto-Owners offers the cheapest full coverage car insurance for teenage drivers in Augusta, with an average annual cost of $1,724 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.

Auto-Owners is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Augusta at about $1,111 per year

As Augusta drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. Auto-Owners stands out as the cheapest car insurance option for adult drivers, with an annual premium of $722

Auto-Owners is the cheapest option for senior drivers in Augusta, with an average premium of $670 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
Auto-Owners$1,724$1,111$722$670
Travelers$2,515$1,324$812$700
USAA$2,908$1,300$879$846
Allstate$3,129$1,883$1,156$1,081
Geico$3,747$1,980$1,214$1,147
State Farm$3,868$2,166$1,272$1,206
MMG Insurance$4,043$2,561$1,397$1,305
Frankenmuth Insurance$4,313$2,968$1,545$1,388
Progressive$5,541$1,995$1,122$1,056
Farmers$8,853$3,871$1,683$1,699

Cheapest car insurance companies in Augusta by driver profile 

Insurers in Augusta consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

Finding the cheapest car insurance in Augusta requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit. 

Here's a list of car insurance companies that offer cheap insurance rates in Augusta based on driver profile. 

Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Augusta drivers is $1,102

Drivers with poor or bad credit scores in Augusta can consider the following car insurance companies to get the affordable car insurance coverage. 

CompanyAverage annual rates
Geico$1,102
USAA$1,289
Travelers$1,300
Progressive$1,832
Allstate$2,262
Farmers$2,711
State Farm$2,834

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Augusta. It offers full coverage car insurance for drivers aged 30 at about $965 per year

Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors. 

Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price. 

CompanyAverage annual premium
USAA$965
State Farm$1,014
Geico$1,042
Travelers$1,237
Progressive$1,420
Allstate$1,685
Farmers$2,864

According to Insurance.com's analysis, State Farm tops the list of cheap car insurance providers in Augusta for drivers involved in at-fault accidents, with an average annual cost of $1,104. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget. 

CompanyAverage annual rates
State Farm$1,104
Travelers$1,271
Geico$1,417
USAA$1,436
Progressive$1,897
Allstate$2,245
Farmers$3,317

Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Augusta for drivers with a DUI, with an average annual premium of $1,014.

A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums. 

CompanyAverage annual rates
State Farm$1,014
Progressive$1,481
Travelers$1,546
USAA$1,774
Allstate$2,457
Farmers$2,852
Geico$2,922

Average car insurance cost in Augusta 

The average car insurance rate in Augusta for full coverage is $1,155 per year or $96 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Augusta is $360 per year. 

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState minimum average
$1,155$360

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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