- For the cheapest auto insurance in Augusta, compact SUV models like the Chevrolet Trailblazer, Subaru Crosstrek, and Kia Soul cost less to insure than most other vehicles.
- The average cost of car insurance in Augusta is 42.4% less than the national average rate of $1,883.
- Augusta car insurance averages $8 per year more than the Maine state average and $659 per year less than the average rate for all 50 states.
Which vehicles are cheapest to insure?
When every make and model is compared, the vehicles with the best auto insurance rates in Augusta, ME, tend to be small SUVs like the Subaru Crosstrek, Kia Soul, and Toyota Corolla Cross. Average car insurance rates for the vehicles ranked in the top 10 cost $1,002 or less per year ($84 per month) for full coverage.
Some other models that have low-cost car insurance prices in the comparison table below are the Nissan Murano, Honda CR-V, Acura RDX, and Subaru Outback. Insurance rates are somewhat higher for those models than the small SUVs and crossovers that rank near the top, but they still have average rates of $1,050 or less per year ($88 per month).
The table below details the 50 models with the cheapest car insurance in Augusta, ordered by cost.
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Augusta, ME Zip Codes. Updated February 22, 2024
A few additional models that made the top 50 table above include the Volkswagen Atlas, Toyota GR Corolla, Toyota Venza, and Ford Escape. Average car insurance rates for those vehicles cost between $1,050 and $1,142 per year in Augusta, ME.
In contrast to the vehicles with cheap rates, some vehicles that cost considerably more to insure include the Ford Mustang Mach-E that costs $1,432 per year, the Ram Truck that costs $1,414, and the Lexus LX 570 at $1,730.
Average car insurance cost in Augusta
Average car insurance rates in Augusta, Maine, cost $1,224 per year, or around $102 per month. That’s 42.4% cheaper than the overall overall U.S. national average rate of $1,883 per year.
In Maine, the average car insurance expense is $1,216 per year, so the cost in Augusta is $8 more per year.
The cost of car insurance in Augusta compared to other Maine locations is approximately $42 per year more than in South Portland, $6 per year cheaper than in Bangor, and $32 per year cheaper than in Lewiston.
The next chart shows additional data for the 20 to 60-year-old age groups by showing a range of rates for a variety of driver ages, policy deductibles, and potential risk scenarios.
Average car insurance rates in the chart above range from $1,018 per year for a 40-year-old driver who qualifies for most policy discounts to $2,812 per year for a 30-year-old driver who has a few accidents and violations and has to buy a high risk policy.
When the average rates are converted to monthly figures, the average cost of car insurance per month in Augusta ranges from $85 to $234.
Augusta auto insurance rates are priced differently for every driver and depend on a lot of factors. This variability reinforces the need to get accurate car insurance quotes when looking for a cheaper car insurance policy.
Driver age is the single-largest factor that determines the price you pay for car insurance. The list below illustrates this by showing the difference in average car insurance rates in Augusta for different driver ages.
Car insurance cost in Augusta for drivers age 16 to 60
- 16-year-old driver – $4,360 per year or $363 per month
- 17-year-old driver – $4,225 per year or $352 per month
- 18-year-old driver – $3,783 per year or $315 per month
- 19-year-old driver – $3,448 per year or $287 per month
- 20-year-old driver – $2,464 per year or $205 per month
- 30-year-old driver – $1,306 per year or $109 per month
- 40-year-old driver – $1,224 per year or $102 per month
- 50-year-old driver – $1,086 per year or $91 per month
- 60-year-old driver – $1,016 per year or $85 per month
The next section of this article illustrates average auto insurance cost by vehicle segment. The rates shown will give you a good understanding of the vehicle segments that have the overall best Augusta car insurance rates.
Average cost to insure by automotive segment
When comparing new or used vehicles, it’s a good idea to know which styles of vehicles have more affordable auto insurance rates in Augusta. For instance, many people wonder if compact SUVs have cheaper insurance than minivans or if sports cars have more expensive insurance than regular cars.
The chart below shows the average auto insurance cost in Augusta for each automotive segment. As a general rule, compact SUVs, midsize trucks, and minivans tend to have the most affordable rates, with luxury and performance models having the highest average insurance cost.
Average rates by automotive segment are practical to make a general comparison, but the insurance cost for specific vehicles ranges significantly within each of the segments displayed in the above chart.
For example, in the large luxury SUV segment, car insurance rates in Augusta range from the Infiniti QX80 at $1,372 per year for a full coverage policy to the Mercedes-Benz G63 AMG at $2,630 per year, a difference of $1,258 just within that segment.
For another example, in the small car segment, the average cost of insurance ranges from the Toyota GR Corolla at $1,060 per year up to the Toyota Mirai costing $1,524 per year.
As a third example, in the midsize SUV segment, insurance rates can range from the Honda Passport at $974 per year to the Rivian R1S at $1,500 per year, a difference of $526 just for that segment.
The following list details the cheapest vehicle to insure in Augusta, ME, for each vehicle category. Annual and monthly average car insurance quotes are calculated for each one.
- Cheapest compact car to insure – Toyota GR Corolla at $1,060 per year or $88 per month
- Cheapest compact SUV to insure – Subaru Crosstrek at $902 per year or $75 per month
- Cheapest midsize car to insure – Hyundai Ioniq 6 at $1,124 per year or $94 per month
- Cheapest midsize SUV to insure – Honda Passport at $974 per year or $81 per month
- Cheapest full-size car to insure – Chrysler 300 at $1,162 per year or $97 per month
- Cheapest full-size SUV to insure – Chevrolet Tahoe at $1,150 per year or $96 per month
- Cheapest midsize pickup to insure – Chevrolet Colorado at $1,046 per year or $87 per month
- Cheapest full-size pickup to insure – Nissan Titan at $1,146 per year or $96 per month
- Cheapest heavy duty pickup to insure – GMC Sierra 2500 HD at $1,244 per year or $104 per month
- Cheapest minivan to insure – Honda Odyssey at $1,118 per year or $93 per month
- Cheapest sports car to insure – Mazda MX-5 Miata at $1,132 per year or $94 per month
- Cheapest compact luxury car to insure – Acura Integra at $1,088 per year or $91 per month
- Cheapest compact luxury SUV to insure – Acura RDX at $1,020 per year or $85 per month
- Cheapest midsize luxury car to insure – Mercedes-Benz CLA250 at $1,258 per year or $105 per month
- Cheapest midsize luxury SUV to insure – Jaguar E-Pace at $1,142 per year or $95 per month
- Cheapest full-size luxury car to insure – Audi A5 at $1,448 per year or $121 per month
- Cheapest full-size luxury SUV to insure – Infiniti QX80 at $1,372 per year or $114 per month
Seven ways to get cheaper car insurance quotes
If you’re looking to cut your car insurance bill, the tips below are some of the best ways to make sure you’re not overpaying.
- Shop around often. Taking the time to get a few free car insurance quotes is the best way to save money. Rates change often and you do not have to wait for your renewal to change companies.
- Choose a vehicle with cheaper auto insurance rates. Vehicle performance is a big factor in the price you pay for car insurance in Augusta. As an example, a Kia Sportage costs $1,162 less per year to insure in Augusta than a Audi R8. Insure cheaper models and save money.
- Remain claim free. Auto insurance companies give a discounted rate if you have no claims. Auto insurance is intended to be used in the case of significant claims, not nickel-and-dime type claims.
- Get cheaper rates because of your job. The vast majority of car insurance companies offer policy discounts for occupations like firefighters, nurses, accountants, high school and elementary teachers, college professors, lawyers, and others. By working in a job that qualifies, you could save between $37 and $119 on your car insurance bill, depending on your age.
- Fewer accidents means cheaper car insurance. Too many at-fault accidents can cost more, possibly up to $1,746 per year for a 20-year-old driver and as much as $368 per year for a 50-year-old driver. So be a cautious driver and save.
- Clean up your credit to lower your rates. Having an excellent credit score over 800 may save up to $192 per year over a credit score between 670-739. Conversely, a less-than-perfect credit history could cost up to $223 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Find cheaper rates by qualifying for policy discounts. Savings may be available if the policyholders are claim-free, choose electronic billing, are military or federal employees, are good students, drive a vehicle with safety or anti-theft features, or many other policy discounts which could save the average Augusta driver as much as $206 per year on car insurance.