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 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Augusta is $360 per year. The state minimum liability limits are 50/100/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$577
Average annual premium$1,155
State minimum premium$360

Cheapest car insurance companies in Augusta

Auto-Owners offers the cheapest rates on average at $694 per year. Travelers is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Augusta.

CompanyAverage 6 month rateAverage annual rate
Auto-Owners$347$694
Travelers$403$805
Progressive$532$1,065
Allstate$583$1,166
Geico$607$1,214
State Farm$624$1,248
MMG Insurance$675$1,351
Frankenmuth Insurance$732$1,464
Farmers$847$1,694
USAA$423$846

Cheapest car insurance cost in Augusta by age group

Car insurance rates in Augusta vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Augusta by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Auto-Owners
  • Cheapest for young adults: Auto-Owners
  • Cheapest for adults: Auto-Owners
  • Cheapest for seniors: Auto-Owners

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Auto-Owners offers the cheapest car insurance for teens at $1,724 per year.

Auto-Owners offers the most affordable auto insurance for young adults at $1,111 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Auto-Owners provides the lowest car insurance rates at $722 per year for adult drivers in Augusta.

Auto-Owners offers the least expensive car insurance for senior drivers in Augusta, at $670 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Auto-Owners$1,724$1,111$722$670
Travelers$2,515$1,324$812$700
Progressive$5,541$1,995$1,122$1,056
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
Farmers$8,853$3,871$1,683$1,699
USAA$2,908$1,300$879$846

Cheapest car insurance companies in Augusta by driver profile

Car insurance rates in Augusta vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Augusta by driver profile.

Cheapest for a driver with poor credit: Auto-Owners

Auto-Owners is the most affordable car insurance for drivers with poor credit. On average, drivers in Augusta pay about $1,215 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Augusta.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$608$1,215
Travelers$655$1,309
Geico$889$1,778
Allstate$896$1,791
Progressive$950$1,899
Frankenmuth Insurance$1,115$2,229
Farmers$1,530$3,059
State Farm$2,628$5,255
USAA$696$1,392

Cheapest auto insurance after an at-fault accident: Auto-Owners

In Augusta, Auto-Owners offers the cheapest car insurance for drivers with at-fault accident at $1,031 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Augusta.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$516$1,031
Travelers$603$1,205
State Farm$731$1,462
Allstate$831$1,662
Progressive$881$1,762
Frankenmuth Insurance$920$1,839
Geico$977$1,954
Farmers$1,344$2,687
USAA$644$1,288

Cheapest auto insurance after a DUI: Auto-Owners

Auto-Owners offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $1,156 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Augusta.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$578$1,156
Progressive$611$1,222
Travelers$645$1,289
State Farm$673$1,346
Allstate$799$1,598
Farmers$1,349$2,698
Geico$1,577$3,153
Frankenmuth Insurance$3,273$6,545
USAA$862$1,724

Cheapest for drivers with a speeding ticket: Auto-Owners

Auto-Owners offers the cheapest car insurance at $797 in Augusta for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Auto-Owners$399$797
Travelers$617$1,233
Allstate$651$1,301
State Farm$673$1,346
Progressive$704$1,407
Frankenmuth Insurance$922$1,843
Geico$928$1,856
Farmers$1,226$2,451
USAA$479$957

Car insurance discounts for Augusta drivers

The biggest car insurance discount available in Augusta is for the years licensed category at 40.08%, offered by Travelers.

Car insurance is essential for drivers in Augusta, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Augusta drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$1,3650.22%$3
Air BagsFrankenmuth Insurance$1,3940.50%$7
Air BagsGeico$1,0431.53%$16
Anti-Theft DeviceAuto-Owners$7331.18%$9
Anti-Theft DeviceGeico$1,0430.86%$9
Daily CommuteGeico$1,0435.27%$55
Daily CommuteMMG Insurance$1,1618.53%$99
Days Advanced PurchaseAllstate$1,36516.56%$226
Days Advanced PurchaseAuto-Owners$73312.55%$92
Days Advanced PurchaseFrankenmuth Insurance$1,39413.99%$195
Days Advanced PurchaseProgressive$1,1073.79%$42
Days Advanced PurchaseTravelers$8755.26%$46
Days Per Week DrivenGeico$1,0435.27%$55
EducationProgressive$1,1073.46%$38
Electronic Funds TransferAllstate$1,3654.10%$56
Electronic Funds TransferFrankenmuth Insurance$1,3945.02%$70
Electronic Funds TransferProgressive$1,1070.27%$3
Electronic Funds TransferTravelers$8754.00%$35
Electronic SignatureProgressive$1,1079.94%$110
HomeownerAllstate$1,3658.42%$115
HomeownerProgressive$1,1072.26%$25
Lower Annual MileageAuto-Owners$7331.64%$12
Lower Annual MileageState Farm$1,0089.92%$100
Lower Annual MileageTravelers$8756.60%$58
Loyalty - Years Renewal With CompanyFrankenmuth Insurance$1,39412.84%$179
Loyalty - Years Renewal With CompanyProgressive$1,1074.85%$54
Loyalty - Years Renewal With CompanyState Farm$1,00828.23%$285
Marital StatusAllstate$1,3653.37%$46
Marital StatusAuto-Owners$73315.42%$113
Marital StatusGeico$1,0430.38%$4
Marital StatusProgressive$1,10711.38%$126
Multi PolicyAllstate$1,36510.79%$147
Multi PolicyAuto-Owners$7337.98%$59
Multi PolicyFrankenmuth Insurance$1,39413.75%$192
Multi PolicyGeico$1,0436.30%$66
Multi PolicyMMG Insurance$1,16124.98%$290
Multi PolicyProgressive$1,1079.24%$102
Multi PolicyState Farm$1,00810.16%$102
Multi PolicyTravelers$8757.17%$63
Paperless/Electornic DocumentsAllstate$1,3658.28%$113
Paperless/Electornic DocumentsAuto-Owners$7330.95%$7
Paperless/Electornic DocumentsProgressive$1,1070.81%$9
Payment TypeAllstate$1,3658.42%$115
Payment TypeFrankenmuth Insurance$1,3949.97%$139
Payment TypeProgressive$1,1079.85%$109
Payment TypeTravelers$8755.03%$44
Primary UseAllstate$1,3657.40%$101
Primary UseGeico$1,0435.27%$55
Primary UseMMG Insurance$1,1618.53%$99
Primary UseState Farm$1,00811.71%$118
Primary UseTravelers$8754.00%$35
ProfessionProgressive$1,10716.32%$181
Safety DevicesAllstate$1,3657.40%$101
Safety DevicesAuto-Owners$7330.82%$6
Safety DevicesGeico$1,0432.30%$24
Safety DevicesProgressive$1,1073.48%$39
TelematicsProgressive$1,1079.94%$110
Years InsuredAllstate$1,5335.71%$88
Years InsuredAuto-Owners$7704.81%$37
Years InsuredFrankenmuth Insurance$1,4474.31%$62
Years InsuredGeico$1,27914.23%$182
Years InsuredProgressive$1,3914.89%$68
Years InsuredTravelers$1,57234.97%$550
Years LicensedGeico$2,07436.55%$758
Years LicensedProgressive$1,65714.43%$239
Years LicensedState Farm$1,26617.83%$226
Years LicensedTravelers$2,67940.08%$1,074

How to get cheap car insurance in Augusta in 2025

Find affordable car insurance in Augusta by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Augusta.

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.

Compare auto insurance rates by city in Maine