Best Augusta, GA Auto Insurance in 2025 (Check Out the Top 10 Companies)
The best Augusta, GA, auto insurance providers come from State Farm, Geico, and Progressive, with competitive monthly rates as low as $66. These best companies excel in customer service, offer cheap rates, and have local agents so that you can find premium coverage at the lowest price for Augusta drivers.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Licensed Agent & Financial Advisor
UPDATED: Feb 11, 2025
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Full Coverage in Augusta GA
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Full Coverage in Augusta GA
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Full Coverage in Augusta GA
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13,128 reviewsState Farm, Geico, and Progressive are the best Augusta, GA auto insurance providers. They deliver top-quality service and premium yet affordable coverage for your needs.
These top providers offering affordable coverage is backed up with good service. By comparing, you can find the best auto insurance coverage options that perfectly fit your needs Augusta, GA.
Our Top 10 Company Picks: Best Augusta, GA Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Local Agents | State Farm |
 | #2 | 25% | A++ | Competitive Rates | Geico |
 | #3 | 10% | A+ | Flexible Plans | Progressive |
 | #4 | 20% | A+ | Community Engagement | Allstate |
 | #5 | 15% | A | Customizable Coverage | Farmers |
 | #6 | 10% | A++ | Military Benefits | USAA |
 | #7 | 20% | A | Unique Discounts | Liberty Mutual |
 | #8 | 15% | A+ | Safety Rewards | Nationwide |
 | #9 | 10% | A++ | Extensive Coverage | Travelers |
 | #10 | 15% | A | Tailored Solutions | American Family |
Find the best auto insurance in Augusta, GA today. Enter your ZIP code now in the free online quote tool above to get quotes for affordable auto insurance.
- Explore cost-effective choices for top auto insurance in Augusta, GA
- Find rates and coverage options tailored for your individual driving needs
- State Farm stands out as top, with premiums starting at just $66 per month
#1 – State Farm: Top Overall Pick
Pros
- Personalized Local Service: One of the best-rated insurance agent networks in Augusta, GA for auto insurance.
- High Claims Satisfaction: Known among the best Augusta car insurers for consistent and efficient claims processing.
- Reputable Provider: State Farm’s reputation for reliability makes it a preferred pick for auto insurance coverage in Augusta. Check out our State Farm auto insurance review for more details.
Cons
- Premiums for Younger Drivers: Among the top insurers in Augusta, GA, State Farm’s rates can be higher for younger drivers.
- Online Policy Limitations: There are fewer online customization options than other top Augusta providers.
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#2 – Geico: Best for Competitive Rates
Pros
- Competitive Rates: Known for some of the lowest rates among Augusta’s top auto insurance companies. Please review our Geico auto insurance review for additional information.
- Military and Employee Discounts: Multiple discounts benefit military personnel and federal employees in Augusta, GA.
- Efficient Claims Processing: Geico’s rapid claims processing means that it is a trustworthy car insurance provider in Augusta.
Cons
- Limited Agent Access: While top Augusta auto insurers may comprise fewer local agents, customers seeking that personal touch could find it missing.
- Restricted Coverage Options: Some coverage choices are limited, especially in certain areas of Augusta, GA.
#3 – Progressive: Best for Flexible Plans
Pros
- Snapshot Program for Discounts: Provides safe-driving discounts, which can be a significant savings option for Augusta drivers.
- Easy Online Access: Recognized as a top Augusta insurer for seamless online access to policies and claims. To learn more, consult our Progressive auto insurance review.
- Range of Add-Ons: This company offers extras like roadside assistance and gap insurance, increasing its appeal among Augusta, GA, policyholders.
Cons
- Higher Premiums for Comprehensive Coverage: Rates for full coverage among top Augusta insurance providers can be on the higher side.
- Limited Physical Locations: Less physical offices in Augusta, which may not be ideal if you prefer the personal service.
#4 – Allstate: Best for Community Engagement
Pros
- Community Engagement: Augusta drivers appreciate community-driven programs from Allstate.
- Customizable Policy Options: These options allow drivers to tailor coverage to their specific needs in Augusta, GA. For additional information, read our Allstate auto insurance review.
- Strong Claims Support: This company has a great claims support team, making its case for one of the best insurers in Augusta.
Cons
- Higher Base Premiums: Among Augusta’s top auto insurance options, base rates may be higher than average.
- Mixed Online Service Reviews: Some online service elements receive mixed feedback from Augusta customers.
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#5 – Farmers: Best for Customizable Coverage
Pros
- Well-Rated Customer Service: Customer service ratings for Augusta’s top auto insurers are high, and Erie is known to be one of the best.
- Discount Variety: This program provides discounts for teachers, safe drivers, and multipolicy holders, appealing to a range of Augusta drivers.
- Local Agent Network: Strong agent network across Augusta, GA, for personalized guidance. Please read our Farmers auto insurance review for more information.
Cons
- Premium Costs for Add-Ons: Add-ons like accident forgiveness can increase premium costs compared to other Augusta auto insurers.
- Limited Online Discounts: Some discounts may only be available through an agent, not online.
#6 – USAA: Best for Military Benefits
Pros
- Specialized Military Benefits: Ideal for military families, providing some of the best Augusta auto insurance benefits.
- Top Customer Satisfaction: One of the highest rated when it comes to customer service, so it’s a big hit with Augusta’s military community.
- Strong Financial Backing: Known for excellent financial strength, which is especially valuable to Augusta’s veterans. Read more through our USAA auto insurance review.
Cons
- Eligibility Restrictions: Only available to military families, which limits access for other Augusta residents.
- Limited Local Offices: Few physical locations may not suit customers seeking in-person service in Augusta.
#7 – Liberty Mutual: Best for Unique Discounts
Pros
- Unique Discounts: Best known in Augusta to offer specialized discounts for new cars and green cars.
- Comprehensive Mobile Tools: Strong app support for claims and policy management, making it one of Augusta’s best.
- Customizable Plans: Liberty Mutual offers highly flexible plans suited to Augusta’s unique needs. Learn more by reviewing our Liberty Mutual auto insurance review.
Cons
- Average Customer Service: Customer service is a mixed bag, and that may affect Augusta policyholders.
- Higher Premiums for Young Drivers: Young women in Augusta may experience higher insurance premiums, which could make coverage less budget-friendly for them.
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#8 – Nationwide: Best for Safety Rewards
Pros
- Safety Discounts: With its discounts based on good driving habits, it is perfect for safe drivers in Augusta.
- Rewards for Long-Term Customers: Among Augusta’s best options for loyalty and accident-free discounts. Discover more details in our Nationwide auto insurance review.
- Strong Community Presence: Known for supporting local causes and appealing to community-minded drivers in Augusta.
Cons
- Inconsistent Agent Availability: Augusta’s personalized touch can be lost when agent support to help you one-on-one is a hit-or-miss.
- Higher Premiums for New Drivers: Young or new drivers may face higher premiums with Nationwide in Augusta.
#9 – Travelers: Best for Extensive Coverage
Pros
- Wide Range of Coverage Options: Known for the variety of policy options it offers, this process makes it a top choice for Augusta’s coverage needs.
- Strong Claims Satisfaction: Above-average ratings for claims handling make Augusta a trusted provider.
- Discounts for Home-Auto Bundling: Great way to save by combining policies, common in Augusta households. To find out more, please refer to our Travelers auto insurance review.
Cons
- Higher Rates for Comprehensive Coverage: Premiums can be higher for full coverage plans in Augusta.
- Limited Availability of Agents: Local agent access may be limited in some Augusta neighborhoods.
#10 – American Family: Best for Tailored Solutions
Pros
- Tailored Solutions: Known for personalized policies, a key reason it ranks among the best for Augusta drivers.
- Solid Customer Service: Augusta has a positive reputation for customer service. Read more through our American Family auto insurance review.
- Risk-Based Discounts: Offers discounts for low-risk drivers, helping reduce premiums in Augusta.
Cons
- Less Competitive Premiums: Rates can be higher than some of Augusta’s other top options.
- Limited Digital Tools: Fewer digital tools compared to other Augusta insurers, which may deter tech-savvy drivers.
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Finding the Best Auto Insurance in Augusta, GA
Auto insurance rates in Augusta GA depend on the provider and coverage level so finding the right policy can help you save. Progressive and USAA have some of the lowest rates while Liberty Mutual and Allstate are on the higher side.
Augusta, GA Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $90 | $195 |
| $87 | $183 |
| $84 | $178 |
| $73 | $167 |
| $92 | $202 |
| $75 | $176 |
| $68 | $157 |
| $88 | $182 |
| $80 | $174 |
| $66 | $162 |
Local factors also impact costs. Traffic is moderate (B+), and uninsured driver rates are relatively low (B-), but vehicle theft (C) and above-average claim sizes (C+) can drive up premiums. Comprehensive and collision rates vary based on location.
Augusta, GA Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B+ | Moderate traffic density, with congestion mainly during peak hours |
| Weather-Related Risk | B | Moderate hurricane and storm risk, less frequent than coastal areas |
| Uninsured Drivers Rate | B- | 12% uninsured, better than average |
| Average Claim Size | C+ | Slightly above average claims |
| Vehicle Theft Rate | C | Vehicle theft rates are above average for a city of its size in Georgia |
| Comprehensive & Collision Rates | B- | Moderate rates, varying by location in Augusta |
To get the best deal, compare rates and take advantage of available discounts. Whether you need minimum coverage or comprehensive and collision auto insurance coverage, shopping around helps you find the best protection at the right price.
Auto Insurance Discounts and Coverage in Augusta, GA
Getting the right auto insurance in Augusta, GA means knowing both available discounts and state coverage requirements. Many top providers offer savings for safe drivers, multi-policy holders, and good students, while Georgia law requires minimum liability coverage to stay legally protected.
Augusta, GA Auto Insurance Discounts From the Top Providers
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Good Student, Safe Driver, Early Signing, Vehicle Safety Features |
| Multi-Policy, Good Student, Safe Driver, Early Signing, Vehicle Safety Features |
| Multi-Policy, Good Student, Safe Driver, Homeowner, Pay in Full |
| Multi-Policy, Good Student, Military, Safe Driver, Vehicle Safety Features |
| Multi-Policy, Good Student, Safe Driver, Homeowner, New Vehicle |
| Multi-Policy, Safe Driver, Good Student, Vehicle Safety Features, SmartRide |
| Snapshot Program, Multi-Policy, Safe Driver, Homeowner, Paid in Full |
| Safe Driver, Multi-Policy, Good Student, Discounts for Vehicle Safety Features |
| Multi-Policy, Good Student, Safe Driver, Homeowner, Paid in Full |
| Military, Multi-Policy, Safe Driver, Good Student, Vehicle Safety Features |
Most insurers offer common discounts like multi-policy bundling and vehicle safety features, but with the rise of new technology, many drivers wonder are self-driving cars safe. Geico and USAA provide military savings, while Progressive’s Snapshot Program rewards good driving habits.
Using these discounts can help lower your premium while keeping you protected. State minimum requirements in Georgia mandate $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 in property damage liability.
Augusta, GA Auto Insurance Coverage Requirements
| Coverage Type | Requirements |
|---|---|
| Bodily Injury Liability | $25,000 / $50,000 |
| Property Damage Liability | $25,000 |
While these minimums provide basic protection, additional coverage can offer greater financial security. To find the best deal, compare insurers and use available discounts. Whether you need minimum coverage or full protection, shopping around helps you get the best coverage at the lowest price
Auto Accidents and Insurance Claims in Augusta, GA
Car accidents play a big role in insurance rates in Augusta, GA. Every year, the city sees around 5,200 accidents and 3,800 claims, with the average claim costing $3,500. While traffic density is moderate, risks like 12% of drivers being uninsured and 200 weather-related incidents each year add to the challenges.
Augusta, GA Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents per Year | 5,200 |
| Claims per Year | 3,800 |
| Average Claim Cost | $3,500 |
| Percentage of Uninsured Drivers | 12% |
| Vehicle Theft Rate | 2.3 per 1,000 vehicles |
| Traffic Density | Moderate |
| Weather-Related Incidents | 200 annually |
Vehicle theft remains a concern, with 2.3 thefts per 1,000 vehicles. While fatal accidents are less common, Augusta sees around 15 each year, involving 22 vehicles and 25 people, with 5 linked to DUI-related crashes. Pedestrian safety is also a risk, with 4 fatalities reported annually.
Fatal Accidents in Augusta, GA
| Statistic | Count |
|---|---|
| Fatal Accidents | 15 |
| Vehicles in Fatal Crashes | 22 |
| DUI-Related Crashes | 5 |
| Total Fatalities | 18 |
| People in Fatal Crashes | 25 |
| Pedestrians in Fatal Crashes | 4 |
With these risks in mind, having the right auto insurance is essential. Whether it’s protecting against accidents, theft, or uninsured drivers, the right coverage gives peace of mind. Comparing policies can also help you find cheap auto insurance for a bad driving record while ensuring you get the protection you need.
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Age-Based Cheapest Car Insurance Rates in Augusta, GA
Young drivers in Augusta, GA usually pay higher insurance rates, but costs tend to go down over time as factors like age, gender, and provider come into play.
Auto insurance is about more than just price—it’s about finding a policy that fits your needs. Teen drivers often face higher premiums due to accident risk, while older drivers may see lower rates and can take advantage of cheap car insurance rates through policy adjustments and discounts.
Auto Policy Age Comparison
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $240 | $260 | $150 | $160 | $130 | $135 | $110 | $115 |
| $220 | $250 | $140 | $150 | $125 | $130 | $105 | $110 |
| $230 | $255 | $145 | $155 | $128 | $133 | $108 | $113 |
| $200 | $220 | $130 | $140 | $115 | $120 | $95 | $100 |
| $250 | $270 | $160 | $170 | $135 | $140 | $115 | $120 |
| $210 | $230 | $135 | $145 | $120 | $125 | $100 | $105 |
| $225 | $245 | $140 | $150 | $123 | $128 | $103 | $108 |
| $215 | $235 | $135 | $145 | $120 | $125 | $100 | $105 |
| $220 | $240 | $138 | $148 | $122 | $127 | $102 | $107 |
| $190 | $210 | $125 | $135 | $110 | $115 | $90 | $95 |
A good policy provides financial protection against accidents, theft, and unexpected events, helping you avoid high out-of-pocket costs. Some drivers may also consider excess coverage for extra peace of mind beyond standard policy limits.
Shopping around for different providers and coverage options ensures you find an affordable and reliable policy that keeps you protected on the road. Taking the time to compare now can help you save more and stay protected in the long run.
Finding Affordable Auto Insurance in Augusta, GA
Finding affordable insurance in Augusta means choosing a provider that offers quality coverage at a great price. If you’re looking for car auto insurance near me, State Farm Augusta Georgia is a trusted local option. With its A+ auto insurance rating, State Farm offers policies that combine affordability with comprehensive protection, making it a great option for drivers looking for reliable coverage in the area.
- Compare Multiple Providers: Shopping around helps you find the most affordable insurance in Augusta that fits your budget and needs.
- Look for Discounts and Bundles: Insurers like State Farm Augusta Georgia offer savings for safe driving, multiple policies, and more.
- Choose the Right Coverage: Finding A+ auto insurance means selecting a policy that provides the right balance of cost and protection.
Choosing the right auto insurance in Augusta goes beyond just finding the Choosing the right auto insurance in Augusta is about more than just finding the lowest price. It’s about making sure you have the right coverage to protect yourself, your passengers, and your vehicle.
For business owners, commercial auto insurance is essential for protecting company vehicles and drivers. Whether you’re a new driver looking for budget-friendly options or someone seeking better rates and coverage, comparing providers can lead to significant savings and long-term financial security.
Choosing the Best Auto Insurance in Augusta GA
When it comes to auto insurance in Augusta, GA, finding the right provider means choosing one that fits your needs and budget. State Farm, Geico, and Progressive are among the best options, offering low premiums, flexible plans, and strong local support. If you’re eligible for a safe driver discount, you might save even more on your policy.
Compare quotes, assess your coverage needs, and take advantage of discounts like safe driver incentives to get the best auto insurance in Augusta, GA.
Chris Abrams Licensed Insurance Agent
Since rates vary based on driving history and coverage levels, comparing quotes ensures you get the best protection at the best price. Take the first step today to find affordable, reliable coverage from a trusted provider.
Finding the best auto insurance company near you is easy—just enter your ZIP code into our free quote tool to compare options.
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Frequently Asked Questions
What is the best car insurance to have in Georgia?
The best car insurance in Georgia depends on your needs. State Farm ranks number one in Augusta, GA, with local agent support and a 17% bundling discount. Geico offers low rates with a 25% discount, while Progressive provides flexible plans with a 10% discount.
Which company is best for car insurance in Georgia?
State Farm is the top-ranked provider in Augusta, GA, known for local agent support. Geico is great for affordable rates, while Progressive offers customizable plans to fit different needs. Find the best car insurance at the right price by entering your ZIP code to compare top providers.
What age does car insurance go down in Georgia?
In Georgia, your car insurance rates generally decrease at about age 25 if you have a clean driving record. Car insurance for teenagers tends to be higher, but rates gradually decrease with safe driving. As you get older, they may continue to go down but can rise again for senior drivers.
Who are the top 3 insurance companies in Georgia?
The top three insurance companies in Georgia are State Farm, Geico, and Progressive. State Farm is #1 in Augusta, GA, offering local agent support. Geico is known for low rates, and Progressive provides flexible coverage options.
What is basic car insurance in Georgia?
Georgia minimum coverage requirements for basic car insurance include liability with at least $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. Augusta GA car insurance that meets these requirements is offered by State Farm Geico and Progressive.
How to save money on car insurance in Georgia?
You can save money on car insurance in Georgia by bundling car insurance and renters insurance to save money, enrolling in safe driving programs, and choosing customizable coverage. Geico offers a 25 percent bundling discount, while State Farm provides a 17 percent discount for multiple policies.
Which insurance company is best in Georgia?
The best insurance company in Georgia depends on what you need. State Farm is #1 in Augusta, GA, known for local service. Geico is a great choice for affordable rates, while Progressive offers flexible coverage options. Compare the best liability-only car insurance with our free tool. Just enter your ZIP code to start.
Which car cover company is best in Georgia?
The best car insurance company in Georgia depends on coverage needs. State Farm is the top-ranked insurer in Augusta, GA, known for local support. Geico is a great option for affordable rates, while Liberty Mutual offers unique discounts.
What insurance provider is the best in Georgia?
The best insurance provider in Georgia depends on the types of auto insurance coverage you need. State Farm is ranked number one in Augusta GA with local agent support. Geico is great for low rates while Progressive is ideal for flexible coverage.
How much is car insurance in Georgia a month?
The average cost of car insurance in Georgia is between $100 and $200 per month, depending on driving history and coverage level. Geico tends to have the lowest rates, while State Farm provides strong local agent support in Augusta, GA.
How can I lower my car insurance in Georgia?
To lower your car insurance in Georgia, try bundling policies, using safe driving programs, or selecting a usage-based plan. State Farm offers a 17% bundling discount, and USAA provides exclusive savings for military families in Augusta, GA.
Is Allstate a good insurance company in Georgia?
Yes Allstate is a good insurance company in Georgia ranking number four in Augusta GA. It is well known for community engagement and offers a 20 percent bundling discount along with a continuous coverage discount for long term policyholders.
Who is the number 1 insurance provider in Georgia?
The number one insurance provider in Georgia is State Farm, ranking highest in Augusta, GA, for local agent support. Geico and Progressive follow closely with affordable rates and flexible plans.
Who is the biggest insurance agent in Georgia?
The biggest insurance provider in Georgia is State Farm, which is ranked number one in Augusta, GA. Geico and Progressive are also top choices with strong coverage options. Compare cheap car insurance quotes instantly with our free tool. Just enter your ZIP code to start.
How long can you go without car insurance in Georgia?
It’s illegal to drive a vehicle in Georgia without maintaining car insurance, and a lapse in coverage can result in criminal fines, license suspension, or registration revocation. To stay compliant and learn how to get insurance on your driver’s license, drivers in Augusta GA should maintain coverage with State Farm Geico or Progressive.