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Cheap Auto Insurance in Augusta, GA

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updated: Apr. 6, 2020

What is Cheap Car Insurance in Augusta, GA?

In our 2020 Augusta, GA study the cheapest car insurance we could find was $257 (AIG). Keep in mind that every driver’s situation is different. The only way to truly know what insurance will cost for you is to get a quote.

Driver Cheapest Full Coverage Cheapest Liability Only
Retired Couple $1,012 yr. (Progressive) $257 yr. (AIG)
Middle Age Male $1,054 yr. (Progressive) $533 yr. (Owners)
Female (Accident & Speeding) $1,908 yr. (State Farm) $794 yr. (Metropolitan)
Male (DUI & Speeding) $1,982 yr. (Progressive) $870 yr. (Esurance)
Young Female $2,592 yr. (Progressive) $909 yr. (AIG)
Young Male $2,786 yr. (Geico) $1,028 yr. (AIG)
Young Female (Speeding) $3,157 yr. (Progressive) $909 yr. (AIG)
Young Male (Speeding) $3,327 yr. (Progressive) $1,028 yr. (AIG)

Cheap Car Insurance Rate Comparisons in Augusta, GA

Here are the rates we found for a wide variety of drivers in Augusta, GA. Keep in mind that there are so many variables insurance companies use to come up with a specific quote that your driving situation will always have a unique price tag. Insurance rates also vary from month to month. Our study, however, can give you an idea of which insurance companies are generally offering lower rates than others before you start shopping around.

40 year-old Male

For this example we gathered rates for a married 40 year old male with no accidents who drives 12,000 miles per year. The rates spanned from $579 – $2,182 for liability insurance alone. Full coverage insurance ranged from $1,054 – $5,078.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $1,054 $579
THE CINCINNATI $1,115 $537
MERCURY $1,141 $560
GEICO $1,169 $595
GOVERNMENT EMPLOYEES $1,169 $595
OWNERS $1,190 $533
AMERICAN $1,214 $550
AUTO-OWNERS $1,291 $585
GARRISON $1,299 $569
COAST $1,404 $711
MGA $1,405 $704
ESURANCE $1,406 $654
MILBANK $1,426 $704
NATIONWIDE $1,447 $705
DIRECT $1,471 $686
FIRST ACCEPTANCE $1,481 $708
STATE FARM $1,591 $827
AMERICAN STANDARD $1,612 $912
SOUTHERN $1,625 $547
INFINITY $1,644 $763
TEACHERS $1,648 $693
ALLIED $1,671 $758
INSUREMAX $1,696 $771
HORACE MANN $1,712 $713
NATIONAL $1,745 $839
MIDVALE $1,759 $926
METROPOLITAN $1,836 $680
ALFA $1,865 $998
AIG $1,887 $459
TREXIS ONE $1,922 $632
CHUBB $1,924 $851
LM $1,927 $795
OLD AMERICAN $1,998 $836
METROPOLITAN $2,044 $1,032
SAFEWAY $2,096 $904
CENTRAL MUTUAL $2,132 $1,075
OMNI $2,277 $1,209
TRUSTGARD $2,284 $1,214
TRAVELERS $2,333 $1,045
SOUTHERN $2,344 $1,158
ALFA $2,398 $1,285
SAFECO $2,598 $1,157
MAIN STREET AMERICA $2,815 $1,069
UNIQUE $3,156 $1,194
LOYA $3,196 $1,096
MEMBERSELECT $3,203 $1,228
GEORGIA FARM BUREAU $3,573 $1,264
ACCC $3,771 $2,317
PEAK $3,916 $1,702
UNITED $4,702 $1,739
AMICA $5,078 $2,182

30 year-old Female (One Accident & Speeding)

In this example we gathered rates for a married 30 year old female with one speeding ticket and one accident who drives 12,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
STATE FARM $1,908 $1,003
MERCURY $1,968 $987
MILBANK $1,976 $1,015
METROPOLITAN $1,996 $794
AMERICAN $2,002 $998
AUTO-OWNERS $2,031 $996
GEICO $2,044 $995
PROGRESSIVE $2,061 $1,106
FIRST ACCEPTANCE $2,126 $1,021
AMERICAN STANDARD $2,177 $1,297
GARRISON $2,193 $1,032
ALFA $2,249 $1,248
ESURANCE $2,294 $1,130
COAST $2,315 $1,195
LM $2,451 $925
GOVERNMENT EMPLOYEES $2,495 $1,289
NATIONAL $2,525 $1,231
TEACHERS $2,541 $1,109
SOUTHERN $2,559 $1,268
METROPOLITAN $2,570 $1,360
HORACE MANN $2,656 $1,141
INFINITY $2,725 $1,282
NATIONWIDE $2,735 $1,514
OLD AMERICAN $2,770 $1,306
INSUREMAX $2,775 $1,391
SAFEWAY $2,858 $1,370
CENTRAL $3,041 $1,548
AIG $3,238 $763
CHUBB $3,329 $1,526
TRAVELERS $3,355 $1,411
ALLIED $3,451 $1,641
OMNI $3,499 $1,857
ALFA $3,698 $2,055
MIDVALE $3,766 $2,144
TREXIS ONE $3,824 $1,450
UNIQUE $3,975 $1,682
SAFECO $4,259 $1,960
GEORGIA FARM BUREAU $4,754 $1,765
DIRECT $5,164 $2,432
LOYA $5,266 $2,220
MAIN STREET AMERICA $5,415 $2,178
PEAK $5,632 $2,594
MEMBERSELECT $6,019 $2,800
ACCC $6,195 $3,990
UNITED $6,202 $2,370
AMICA $8,367 $3,814

28 year-old Male (DUI & Speeding)

Here are the rates we found for a married 28 year old male with one speeding ticket and a DUI who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $1,982 $1,174
COAST $2,026 $1,036
AMERICAN $2,094 $1,060
MERCURY $2,123 $1,094
ESURANCE $2,140 $870
MGA $2,243 $1,130
STATE FARM $2,269 $1,402
INSUREMAX $2,322 $1,077
FIRST ACCEPTANCE $2,697 $1,321
METROPOLITAN $2,808 $1,498
GEICO $2,811 $1,478
ALFA $2,831 $1,627
GARRISON $2,835 $1,309
LM $2,854 $1,141
OLD AMERICAN $3,040 $1,404
GOVERNMENT EMPLOYEES $3,115 $1,762
OMNI $3,149 $1,668
METROPOLITAN GROUP $3,172 $1,404
AMERICAN STANDARD $3,339 $1,886
NATIONWIDE $3,390 $1,956
INFINITY $3,441 $1,651
DIRECT $3,590 $1,821
SAFEWAY $3,876 $2,148
UNIQUE $4,016 $1,670
NATIONAL GENERAL ASSURANCE $4,166 $2,194
HORACE MANN $4,230 $2,265
TRAVELERS $4,356 $1,928
MIDVALE $4,577 $2,623
ALFA $4,657 $2,679
AIG $4,807 $1,599
SAFECO $4,915 $2,344
ALLIED $5,138 $2,501
SOUTHERN $5,256 $2,652
PEAK $5,394 $2,448
LOYA $6,102 $2,212
UNITED $7,370 $3,000
CHUBB $7,581 $3,560
CENTRAL $9,240 $4,771
GEORGIA FARM BUREAU $9,691 $3,701
TEACHERS $10,428 $5,451
HORACE MANN $10,956 $5,611
MEMBERSELECT $11,631 $5,155
AMICA $28,092 $13,229

65 year-old Retired Couple

In this example with gathered rates for a married 65 year old couple with clean driving records driving 7,500 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $1,012 $556
GEICO $1,016 $500
GOVERNMENT EMPLOYEES $1,016 $500
AMERICAN $1,034 $498
OWNERS $1,048 $479
SAFE AUTO $1,095 $629
AUTO-OWNERS $1,136 $525
GARRISON $1,152 $553
CHUBB $1,179 $518
AIG $1,199 $257
MGA $1,202 $602
STATE FARM $1,285 $658
MILBANK $1,298 $660
ALFA $1,303 $653
MIDVALE $1,341 $692
MERCURY $1,350 $715
FIRST ACCEPTANCE $1,389 $735
TEACHERS $1,424 $589
NATIONWIDE $1,435 $704
LM $1,469 $600
HORACE MANN $1,476 $606
ESURANCE $1,490 $718
AMERICAN STANDARD $1,563 $920
INSUREMAX $1,587 $771
METROPOLITAN $1,662 $632
DIRECT $1,667 $871
COAST $1,687 $891
ALFA $1,690 $849
ALLIED $1,693 $751
CENTRAL $1,723 $851
NATIONAL $1,796 $920
TREXIS ONE $1,854 $714
TRAVELERS $1,883 $885
METROPOLITAN $1,894 $948
TRUSTGARD $1,963 $1,073
INFINITY $2,065 $1,015
SAFECO $2,126 $1,004
OLD AMERICAN $2,184 $942
SOUTHERN $2,226 $1,098
SAFEWAY $2,236 $944
OMNI $2,379 $1,280
MAIN STREET AMERICA $2,468 $1,027
MEMBERSELECT $2,741 $1,175
PEAK $2,774 $1,336
UNIQUE $3,098 $1,474
LOYA $3,210 $1,248
GEORGIA FARM BUREAU $3,214 $1,192
AMICA $3,570 $1,558
UNITED $5,211 $2,059

19 year-old Female (Speeding)

In this example we gathered rates for a single 19 year old female with one speeding ticket who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $3,157 $1,752
AIG $3,203 $909
GEICO $3,337 $1,843
GOVERNMENT EMPLOYEES $3,337 $1,843
COAST $3,342 $2,011
FIRST ACCEPTANCE $3,349 $1,779
AUTO-OWNERS $3,374 $1,915
MGA $3,379 $1,906
GARRISON $3,408 $1,643
STATE FARM $3,772 $2,178
METROPOLITAN $3,776 $1,996
MERCURY $3,826 $2,177
ESURANCE $3,922 $2,030
NATIONWIDE $4,010 $2,594
TEACHERS $4,090 $1,829
ALFA $4,140 $2,299
AMERICAN $4,146 $2,314
METROPOLITAN $4,206 $1,996
CHUBB $4,272 $2,207
HORACE MANN $4,294 $1,883
OLD AMERICAN $4,756 $2,792
MIDVALE $4,778 $3,086
SAFEWAY $4,786 $2,846
AMERICAN STANDARD $4,867 $3,207
CENTRAL $5,202 $2,672
ALLIED $5,231 $2,572
ALFA $5,271 $2,927
NATIONAL $5,350 $3,017
TRAVELERS $5,543 $2,492
SOUTHERN $5,566 $2,805
MILBANK $5,676 $3,313
TREXIS ONE $5,736 $1,874
INSUREMAX $6,091 $3,564
UNIQUE $6,383 $2,714
LOYA $6,820 $3,408
OMNI $7,190 $3,775
INFINITY $7,306 $3,287
PEAK $7,402 $3,934
LM $7,409 $3,633
TRUSTGARD $7,887 $5,143
DIRECT $8,018 $4,208
GEORGIA FARM BUREAU $8,233 $3,412
SAFECO $8,959 $5,152
ACCC $9,976 $6,992
MAIN STREET AMERICA $10,643 $5,091
UNITED $11,472 $5,703
AMICA $11,776 $5,450
MEMBERSELECT $12,823 $7,252

19 year-old Male (Speeding)

In this table you’ll find rates for a single 19 year old male with one speeding ticket who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
GEICO GENERAL $3,327 $1,786
GOVERNMENT EMPLOYEES $3,327 $1,786
PROGRESSIVE $3,479 $1,890
FIRST ACCEPTANCE $3,630 $1,931
AIG $3,649 $1,028
COAST $3,694 $2,258
GARRISON $4,048 $1,967
GEICO $4,120 $2,256
NATIONWIDE $4,207 $2,713
AUTO-OWNERS $4,404 $2,470
METROPOLITAN $4,544 $2,168
AMERICAN $4,588 $2,482
MERCURY $4,599 $2,435
STATE FARM $4,722 $2,726
MIDVALE $4,861 $3,279
CHUBB $4,886 $2,560
ESURANCE $5,162 $2,660
AMERICAN STANDARD $5,172 $3,397
NATIONAL $5,659 $3,059
METROPOLITAN $5,812 $3,134
MGA $5,979 $3,298
CENTRAL $6,271 $3,227
INSUREMAX $6,395 $3,554
ALFA $6,489 $3,788
SAFEWAY $6,500 $3,760
OLD AMERICAN $6,540 $3,688
TRAVELERS $6,634 $3,237
ALLIED $6,657 $3,293
MILBANK $6,673 $3,892
UNIQUE $6,985 $2,480
LOYA $7,100 $3,128
TEACHERS $7,308 $3,326
SOUTHERN $7,597 $3,843
HORACE MANN $7,694 $3,424
TRUSTGARD $7,757 $4,943
TREXIS ONE $7,816 $2,424
OMNI $7,868 $4,162
LM $7,913 $4,039
INFINITY $8,202 $3,518
ALFA GENERAL $8,264 $4,825
PEAK $8,934 $5,010
DIRECT GENERAL $9,449 $4,725
GEORGIA FARM BUREAU $9,613 $4,128
SAFECO $9,668 $5,677
ACCC $11,188 $7,838
MAIN STREET AMERICA $11,657 $5,720
AMICA $12,355 $5,732
UNITED $13,578 $5,809
MEMBERSELECT $15,371 $9,098

19 year-old Female

In this example we gathered rates for a single 19 year old female with a clean driving record who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
OWNERS $2,592 $1,434
PROGRESSIVE $2,659 $1,474
GARRISON $2,717 $1,294
COAST $2,815 $1,730
AUTO-OWNERS $2,828 $1,574
GEICO $2,965 $1,637
GOVERNMENT EMPLOYEES $2,965 $1,637
FIRST ACCEPTANCE $3,188 $1,681
AIG $3,203 $909
MERCURY $3,258 $1,860
MGA $3,347 $1,724
STATE FARM $3,426 $1,960
TEACHERS $3,435 $1,525
CHUBB $3,577 $1,843
AMERICAN NATIONAL $3,582 $1,966
METROPOLITAN $3,590 $1,896
NATIONWIDE $3,591 $2,326
HORACE MANN $3,601 $1,569
MIDVALE $3,620 $2,333
AMERICAN STANDARD $3,709 $2,411
ALFA $3,747 $2,052
ESURANCE $3,764 $1,962
METROPOLITAN GROUP $3,856 $1,796
SAFEWAY $4,498 $2,586
MILBANK $4,499 $2,642
OLD AMERICAN $4,502 $2,538
ALLIED $4,536 $2,251
TREXIS ONE $4,560 $1,468
CENTRAL $4,746 $2,435
ALFA $4,772 $2,614
NATIONAL $4,801 $2,731
TRAVELERS $5,035 $2,340
TRUSTGARD $5,045 $3,242
INSUREMAX $5,544 $3,281
SOUTHERN $5,566 $2,805
DIRECT GENERAL $5,783 $3,012
UNIQUE $5,854 $2,468
SAFECO $6,020 $3,424
LOYA $6,044 $2,972
INFINITY $6,727 $3,024
LM $6,925 $3,616
OMNI $6,972 $3,634
PEAK $6,996 $3,728
GEORGIA FARM BUREAU $7,497 $3,133
INFINITY SELECT $8,011 $3,534
MAIN STREET AMERICA $8,541 $4,097
MEMBERSELECT $9,012 $4,751
ACCC $9,431 $6,659
AMICA MUTUAL $10,062 $4,637
UNITED $10,425 $4,941

19 year-old Male

In this example we gathered rates for a single 19 year old male with a clean driving record who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
GEICO $2,786 $1,496
GOVERNMENT EMPLOYEES $2,786 $1,496
PROGRESSIVE $2,965 $1,601
COAST NATIONAL $3,168 $1,978
GARRISON $3,219 $1,547
OWNERS $3,385 $1,850
FIRST ACCEPTANCE $3,453 $1,824
AIG $3,649 $1,028
MIDVALE $3,663 $2,470
AUTO-OWNERS $3,695 $2,030
NATIONWIDE $3,789 $2,446
AMERICAN STANDARD $3,923 $2,545
AMERICAN NATIONAL $3,970 $2,110
MERCURY $4,023 $2,116
CHUBB $4,087 $2,135
METROPOLITAN $4,166 $1,952
STATE FARM $4,290 $2,454
NATIONAL $4,801 $2,731
ESURANCE $4,812 $2,378
TRUSTGARD $5,017 $3,174
MILBANK $5,285 $3,100
MGA $5,425 $2,977
METROPOLITAN $5,524 $2,978
INSUREMAX $5,689 $3,176
CENTRAL $5,816 $2,991
ALFA $5,871 $3,382
ALLIED $5,981 $2,984
TRAVELERS $6,045 $3,039
TEACHERS $6,116 $2,772
SAFEWAY $6,128 $3,420
OLD AMERICAN $6,282 $3,430
LOYA $6,284 $2,724
UNIQUE $6,404 $2,254
HORACE MANN $6,435 $2,854
TREXIS ONE $6,486 $1,980
SAFECO $6,490 $3,766
DIRECT $6,829 $3,384
LM $7,393 $4,020
ALFA $7,479 $4,308
SOUTHERN $7,597 $3,843
INFINITY $7,621 $3,254
OMNI $7,650 $4,021
PEAK $8,450 $4,744
GEORGIA FARM BUREAU $8,866 $3,839
MAIN STREET AMERICA $9,389 $4,603
ACCC $10,572 $7,465
MEMBERSELECT $10,699 $5,953
AMICA $10,996 $5,083
UNITED $12,377 $5,033

Auto Insurance Agencies in Augusta, GA

If you would like to meet an insurance agent in Augusta county, here are some good options to choose from. Just be sure to get some quotes online first so you can ask them to match the cheapest you find!

Ashley Insurance Agency

3240 Peach Orchard Rd #8, Augusta, GA 30906, United States
+1 706-793-2399
www.ashleyinsurance.net

Dawson Taylor & Company

3510 Wheeler Rd, Augusta, GA 30909, United States
+1 706-733-6888
www.dtcinsurance.com

Insurance Services of Augusta

5 George C Wilson Ct, Augusta, GA 30909, United States
+1 706-738-0411
www.1917ins.com

Austin Taylor Ins Agency Inc

202 E Martintown Rd, North Augusta, SC 29841, United States
+1 803-279-0420
www.austintaylorinsurance.com

Dennis Lam Insurance

1220 Greene St, Augusta, GA 30901, United States
+1 706-726-1446
www.dennislaminsurancega.com

Peach State Insurance

3420 Peach Orchard Rd, Augusta, GA 30906, United States
+1 706-798-1352
www.mypeachstate.com

Blanchard & Calhoun Insurance Agency, Inc.

245 Davis Rd, Augusta, GA 30907, United States
+1 706-650-6000
www.blanchardcalhounins.com

Hoke Brantley – State Farm Insurance Agent

2501 Wrightsboro Rd, Augusta, GA 30904, United States
+1 706-733-6744
www.hokebrantley.com

Affordable Insurance Agency, Inc.

3084 Deans Bridge Rd, Augusta, GA 30906, United States
+1 706-790-4381
www.callaffordable.com

Augusta Auto Body Repair

If you are in an accident, you are going to need body repair done on your car. Here is a list of highly rated body repair shops in Augusta county.

Classic Collision of Augusta

3069 Washington Rd, Augusta, GA 30907, United States
+1 762-233-0704
www.classiccollision.net

Precision Paint & Body Inc

1617 Broad St, Augusta, GA 30904, United States
+1 706-722-6882
no website

Sanders Paint & Body-Johnson

1122 Walton Way, Augusta, GA 30901, United States
+1 706-364-4084
www.sandersbodyshop.com

Lively’s Collision Center, LLC

5453 Jefferson Davis Hwy, Beech Island, SC 29842, United States
+1 803-827-0870
www.livelyscollision.com

John Harris Body Shop

1515 Broad St, Augusta, GA 30904, United States
+1 706-664-2877
www.jhbodyshops.com

Chavous Paint & Body LLC

2500 Peach Orchard Rd, Augusta, GA 30906, United States
+1 706-798-8581
no website

Augusta Auto Mechanic Shops

Whether you are looking for a mobile mechanic or a storefront shop for your Augusta car accident repairs, here are some highly rated shops to choose from.

C & C Automotive

990 Telfair St, Augusta, GA 30901, United States
+1 706-724-0900
www.ccautomotive.com

Mobile Mechanic Augusta GA

2942 Glenn Hills Dr, Augusta, GA 30906, United States
+1 706-214-2997
www.mobileautorepairpros.com

Boy Scout Road Tire & Automotive

252 Boy Scout Rd, Augusta, GA 30909, United States
+1 706-738-8976
www.boyscoutauto.com

atc Auto Center

1853 Gordon Hwy, Augusta, GA 30904, United States
+1 706-738-7812
www.atcautocenter.com

D&T Automotive Repair

2670 Gordon Hwy, Augusta, GA 30909, United States
+1 706-364-4782
www.dntautorepair.com

Bavarian Mechanic Works

110 Commercial Blvd, Martinez, GA 30907, United States
+1 706-860-5354
www.bavarianmechanicworks.com

Augusta Department of Motor Vehicles

If you are looking to renew your drivers license or check the latest status of your driving record, here is the location of Augusta county’s local DMV.

Georgia Department of Driver Services

3423 Mike Padgett Hwy, Augusta, GA 30906, United States
+1 678-413-8400
www.dds.georgia.gov

2020 Study Methodology

The following is the baseline methodology used in our 2020 Georgia study. Prices reflect one year of coverage.

Car Make/Model: 2012 Toyota Camry, 4-door sedan, 6 cylinder

  • Liability: $25,000/ $50,000 per accident
  • Bodily Injury Liability: $25,000 per accident, Property Damage Liability

Full Coverage Additions

  • Car Damage: $1000 collision deductible, $500 comprehensive deductible
  • Uninsured Motorist: $25,000 per person/$50,000 per accident
  • Medical: $2,000 per accident. Bodily Injury/$25,000 per accident