Cheapest car insurance companies in Augusta
A recent data analysis by Insurance.com found the cheapest car insurance companies are Auto-Owners and Travelers in Augusta for 2023.
In Augusta, Auto-Owners provides the cheapest auto insurance rates to drivers at an average annual premium of $694 annually.
Car insurance costs may vary in Augusta based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Augusta.
| Companies | Average 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 is the cheapest option for car insurance in Augusta for teen drivers, with average annual premiums at just $1,724 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
When compared to other car insurance companies, Auto-Owners turned out to be the cheapest car insurance company for young drivers in Augusta, offering full coverage at an annual average cost of $1,111.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Augusta is Auto-Owners. Its average rate for a full coverage car insurance policy is $722 per year.
With an average annual premium of $670, Auto-Owners offers Augusta's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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
Your driving profile plays an important role in determining your car insurance rates in Augusta. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
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.
Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Augusta drivers based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Augusta drivers is $1,102.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $1,102 |
| USAA | $1,289 |
| Travelers | $1,300 |
| Progressive | $1,832 |
| Allstate | $2,262 |
| Farmers | $2,711 |
| State Farm | $2,834 |
Cheapest for drivers with a speeding ticket: USAA
In Augusta, USAA provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $965, on average.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| USAA | $965 |
| State Farm | $1,014 |
| Geico | $1,042 |
| Travelers | $1,237 |
| Progressive | $1,420 |
| Allstate | $1,685 |
| Farmers | $2,864 |
Cheapest auto insurance after an at-fault accident: State Farm
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Augusta with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,104 annually.
| Company | Average annual rates |
|---|---|
| State Farm | $1,104 |
| Travelers | $1,271 |
| Geico | $1,417 |
| USAA | $1,436 |
| Progressive | $1,897 |
| Allstate | $2,245 |
| Farmers | $3,317 |
Cheapest auto insurance after a DUI: State Farm
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.
| Company | Average 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
In Augusta, the average annual cost for full coverage car insurance is around $1,155, which breaks down to approximately $96 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Augusta is about $360.
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 premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State 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.
