Augusta Car Insurance Cost – Cheapest Rates (2025) + Rankings

• Average Augusta car insurance cost is $2,348 per year for a full coverage policy. Average cost per month is around $196.
• For cheap auto insurance in Augusta, compact crossovers like the Mazda CX-5, Hyundai Venue, Chevrolet Trailblazer, and Subaru Crosstrek have some of the best car insurance rates.
• Models with segment-leading auto insurance rates include the Mercedes-Benz CLA250 at $2,416 per year, Kia K5 at $2,260 per year, Toyota GR Corolla at $2,038 per year, and Acura Integra at $2,086 per year.

What is average car insurance cost in Augusta?

The average cost to insure a vehicle in Augusta is $2,348 per year, which is 5.6% more than the overall national average rate of $2,221. The average cost per month for car insurance in Augusta is $196 for full coverage.

In the state of Georgia, the average price for car insurance is $2,514 per year, so the cost in Augusta averages $166 less per year. When compared to other cities in Georgia, the average cost to insure a vehicle in Augusta is approximately $124 per year less than in Columbus, $406 per year cheaper than in Atlanta, and $18 per year less than in Athens.

The chart below goes into more detail for drivers age 20 to 60 by including rates for three different policy deductible amounts. Displaying these different rates can help visualize how car insurance rates increase with lower deductibles, and decreases on a high-deductible policy.

Average car insurance rates in the prior chart range from $1,646 per year for a policy with high deductibles for a 60-year-old driver to $5,492 per year for a 20-year-old driver with a low deductible policy.

For monthly budgeting purposes, the average cost of car insurance per month in Augusta ranges from $137 to $458.

Augusta auto insurance rates have different premiums for every driver and can also be significantly different between companies. The high chance of significant rate differences increases the need for accurate car insurance quotes when searching online for a better price on car insurance in Augusta.

Driver age has a significant impact the price you pay for car insurance. The list below details how driver age influences cost by showing average car insurance rates in Augusta for different driver ages.

Car insurance cost in Augusta, Georgia, for drivers age 16 to 60

• 16 year old – $8,357 per year or $696 per month
• 17 year old – $8,095 per year or $675 per month
• 18 year old – $7,258 per year or $605 per month
• 19 year old – $6,608 per year or $551 per month
• 20 year old – $4,722 per year or $394 per month
• 30 year old – $2,506 per year or $209 per month
• 40 year old – $2,348 per year or $196 per month
• 50 year old – $2,080 per year or $173 per month
• 60 year old – $1,946 per year or $162 per month

The rates listed above for insuring teen drivers age 16 to 19 assumed a male driver. The next chart goes into more detail for teenage car insurance rates and shows the average cost to insure teen drivers in Augusta, Georgia, by gender. Female drivers tend to have cheaper car insurance rates, in particular in the teen years.

Auto insurance for a female 16-year-old driver in Augusta costs an average of $552 less per year than the cost for a male driver, while at age 19, females don’t save quite as much at $1,021 per year.

Models popular with drivers in Augusta tend to be compact and midsize sedans like the Honda Civic and Toyota Camry and small or midsize SUVs like the Chevy Equinox, Toyota RAV4, and Subaru Outback.

Other popular models from other segments include luxury SUVs like the Cadillac XT5 and BMW X5, luxury cars like the Lexus ES 350 and Infiniti Q50, and pickup trucks like the Ford Ranger and Toyota Tacoma.

We will get into car insurance rates for many more models in a bit, but before we get into that, let’s look at some of the ideas that we covered in the prior data.

• Average cost per month ranges from $162 to $696 – That’s the average auto insurance price range for insured drivers age 16 to 60 in Augusta.
• Augusta car insurance prices are cheaper than the Georgia state average – $2,348 (Augusta average) compared to $2,514 (Georgia average)
• Augusta car insurance costs more than the U.S. average – $2,348 (Augusta average) compared to $2,221 (U.S. average)
• A low deductible policy costs more – A 40-year-old driver pays an average of $760 more per year for $250 physical damage deductibles versus $1,000.
• Teenage females pay cheaper rates than teen males – Teenage female drivers age 16 to 19 pay $1,021 to $552 less annually than males of the same age.

Which vehicles have cheap insurance in Augusta?

The vehicles with the most affordable insurance quotes in Augusta tend to be crossovers and compact SUVs like the Subaru Crosstrek, Kia Soul, and Hyundai Venue. Average car insurance quotes for those crossover SUVs cost $2,040 or less per year ($170 per month) for a policy with full coverage.

Some additional models that have affordable auto insurance quotes in our cost comparison are the Subaru Outback, Acura RDX, Ford Bronco Sport, and Honda CR-V.

Average rates are somewhat higher for those models than the small SUVs at the top of the rankings, but they still have average rates of $2,188 or less per year.

The table below lists the vehicles with the cheapest overall insurance rates in Augusta, sorted by average cost.

The above table containing 25 ranked vehicles doesn’t really provide a comprehensive summary of Augusta car insurance cost. Considering we track over 700 makes and models of vehicles, there is a lot of rate data no being shown. Let’s try a different approach and reorganize the most affordable vehicles in a format that is more usable.

The next section goes into detail about the cost of insurance based on different automotive segments. The rates shown should provide a good idea of which types of vehicles have the overall least expensive rates. Then the sections after the chart will break out the vehicles with the cheapest insurance rates for each segment.

Augusta car insurance rates by automotive segment

When comparing new or used vehicles, it is useful to know which kinds of vehicles are more affordable to insure. For instance, maybe you want to know if midsize SUVs are more affordable to insure than small SUVs or if luxury cars are more affordable to insure than luxury SUVs.

The chart below displays the average auto insurance cost in Augusta for each automotive segment. In general, small and midsize SUVs, vans and minivans, and midsize pickup trucks have the best rates, while sports cars, large luxury cars, and performance exotic cars have the highest average insurance cost.

Rates by segment are fine for making an overall comparison, but cost ranges greatly within each segment listed in the previous chart.

For example, in the small car segment, average Augusta car insurance rates range from the Toyota GR Corolla at $2,038 per year for a full coverage policy to the Toyota Mirai costing $2,920 per year, a difference of $882 within that segment.

Also, in the large SUV segment, the average cost of insurance ranges from the Chevrolet Tahoe costing $2,204 per year to the Toyota Sequoia at $2,936 per year.

In the next parts of this article, we will remove much of this variability by analyzing the cost of auto insurance in Augusta at the model level rather than the segment level.

Cheapest cars to insure in Augusta

The #1 ranking in Augusta for cheapest insurance in the non-luxury sedan segment is the Toyota GR Corolla, with a cost of $2,038 per year. Second place is the Nissan Leaf costing $2,054 per year, the third cheapest is the Honda Civic, costing an average of $2,076 per year, and in fourth place is the Nissan Sentra, costing an average of $2,152 per year.

Some other cars that have affordable average insurance rates are the Toyota Prius, Chevrolet Malibu, Toyota Corolla, and Kia K5, with average cost of $2,286 per year or less.

In the bottom half of the top 20, cars like the Nissan Versa, Mazda 3, Kia Forte, Volkswagen Jetta, and Subaru Legacy average between $2,286 and $2,426 per year for auto insurance in Augusta.

Auto insurance in Augusta for this segment for an average middle-age driver starts at an average of $170 per month, depending on where you live and the company you use.

The table below ranks the cars with the cheapest car insurance in Augusta, starting with the Toyota GR Corolla at $170 per month and ending with the Mazda 3 at $202 per month.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Is your vehicle not in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Augusta car insurance quotes from top-rated car insurance companies in Georgia.

Cheapest SUVs to insure in Augusta, Georgia

The most affordable non-luxury SUVs to insure in Augusta are the Subaru Crosstrek at $1,732 per year, the Chevrolet Trailblazer at $1,764 per year, and the Kia Soul at $1,832 per year.

Not the cheapest, but still in the top 10, are SUVs like the Ford Bronco Sport, Mazda CX-5, Hyundai Venue, and Toyota Corolla Cross, with an average cost of $1,922 per year or less.

Ranked between 10th and 20th place, SUVs like the Buick Encore, Volkswagen Tiguan, Subaru Outback, Nissan Murano, Subaru Ascent, and Honda HR-V cost between $1,922 and $2,042 per year to insure.

Full-coverage car insurance in Augusta for this segment for an average middle-age driver will start around $144 per month, depending on your location.

The next table ranks the twenty SUVs with the lowest-cost average car insurance rates in Augusta, starting with the Subaru Crosstrek at $144 per month and ending with the Subaru Ascent at $170 per month.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Need rates for a different SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Augusta car insurance quotes from the best companies in Georgia.

Cheapest luxury car insurance rates in Augusta

The cheapest luxury car models to insure in Augusta are the Acura Integra at $2,086 per year, the BMW 330i at $2,388 per year, and the Mercedes-Benz CLA250 at $2,416 per year.

Not the cheapest luxury cars to insure, but still affordable, are cars like the Mercedes-Benz AMG CLA35, Cadillac CT4, Lexus RC 300, and Genesis G70, with an average cost to insure of $2,466 per year or less.

In the lower half of the top 20 luxury cars to insure, models like the BMW 330e, Audi S3, Lexus ES 250, Cadillac CT5, and Lexus IS 350 average between $2,466 and $2,632 to insure per year in Augusta.

Car insurance rates in Augusta for this segment starts at an average of $174 per month, depending on where you live.

The table below ranks the luxury cars with the lowest-cost auto insurance rates in Augusta, starting with the Acura Integra at $2,086 per year and ending with the Audi S3 at $2,632 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see rates for your luxury car? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Georgia.

Cheapest luxury SUVs to insure in Augusta

Sitting at number one in Augusta for the most affordable average insurance rates in the luxury SUV segment is the Acura RDX, coming in at $1,962 per year. Second place is the Lexus NX 250 at $2,076 per year, and ranking third is the Cadillac XT4, at an average of $2,120 per year.

Some other luxury SUVs that rank well in our comparison are the Lincoln Corsair, Lexus NX 450h, Mercedes-Benz GLB 250, and Lexus UX 250h, with average annual insurance rates of $2,262 per year or less.

On a monthly basis, full-coverage car insurance in Augusta on this segment for an average middle-age driver will start around $164 per month, depending on where you live.

If ranked by vehicle size, the most affordable compact luxury SUV to insure in Augusta is the Acura RDX at $1,962 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $2,194 per year. And for full-size luxury models, the Infiniti QX80 has the cheapest rates at $2,632 per year.

The comparison table below ranks the twenty luxury SUVs with the most affordable auto insurance rates in Augusta.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Augusta car insurance quotes from top companies in Georgia.

Cheapest pickup trucks to insure in Augusta, Georgia

The four lowest-cost pickups to insure in Augusta are the Chevrolet Colorado at $2,064 per year, Nissan Titan at $2,194 per year, Nissan Frontier at $2,218 per year, and Ford Ranger at $2,242 per year.

Not the cheapest in the list, but still ranking well, are models like the GMC Sierra 2500 HD, Toyota Tacoma, GMC Canyon, and Honda Ridgeline, with an average car insurance cost of $2,414 per year or less.

On a monthly basis, full-coverage insurance in Augusta on this segment starts at around $172 per month, depending on where you live. The next table ranks the pickups with the cheapest auto insurance rates in Augusta, starting with the Chevrolet Colorado at $2,064 per year and ending with the Ram Truck at $2,714 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for rates for a different pickup? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Georgia.

Cheapest sports cars to insure in Augusta

Ranking at the top of the list for the most affordable Augusta car insurance rates in the performance and sports car segment are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Auto insurance prices for these models average $219 or less per month.

Not the cheapest, but still in the top 10, are cars like the Toyota GR Supra, Lexus RC F, Subaru BRZ, and BMW M2, with average insurance cost of $2,806 per year or less.

In the lower half of the top 20 sports cars to insure, cars like the Mercedes-Benz AMG GT53, Porsche Taycan, BMW M4, BMW M3, Porsche 718, and Chevrolet Camaro average between $2,806 and $3,974 per year for insurance in Augusta.

Full-coverage car insurance for this segment in Augusta for a good driver will start around $181 per month, depending on your location.

The comparison table below ranks the twenty sports cars with the cheapest average auto insurance rates in Augusta, starting with the Mazda MX-5 Miata at $181 per month and ending with the Porsche Taycan at $331 per month.

Is your vehicle not in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Augusta.

Saving money on car insurance

Augusta drivers should always be searching for ways to reduce their monthly insurance expenses, so take a minute to review the money-saving tips below and it’s very likely you can save some money on your next policy.

• Fewer accidents means cheaper car insurance. Too frequent at-fault accidents can raise rates, potentially as much as $3,348 per year for a 20-year-old driver and as much as $708 per year for a 50-year-old driver. So be a careful driver and save!
• Don’t file small claims. Most car insurance companies reduce rates a little if you have no claims on your account. Auto insurance should only be used to protect you from large financial hits, not for small claims.
• Think about raising your deductibles. Jacking up your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Compare insurance rates before buying a car. Different vehicles, and even different trims of the same vehicle, can have significantly different car insurance premiums, and companies can charge widely varying rates. Get quotes to see the cost of insurance before you upgrade you car in order to prevent price shock when you receive your first bill.
• Get cheaper rates because of your employer. Just about all auto insurance companies offer discounts for specific professions like scientists, lawyers, architects, engineers, nurses, and others. Having this discount applied to your policy may save between $70 and $228 on your yearly insurance bill, depending on your age.
• Save money with better credit. Having excellent credit of 800+ could save a minimum of $369 per year when compared to a credit rating of 670-739. Conversely, a subpar credit score could cost as much as $427 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Shop your coverage around. Take a couple of minutes to get some free car insurance quotes is our best recommendation for saving the most money. Rates change more often that you might think and you are not locked into any one company.