For a 40-year-old driver with a clean record, Augusta car insurance averages about $187 a month ($2,242 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 10% below the Georgia average of $208 a month. Progressive has the lowest full-coverage average among the four major insurers we compared (Allstate, Auto-Owners, GEICO and Progressive), at about $144 a month.
Augusta and Albany are effectively tied as the least expensive of our six Georgia city guides, at about $187 a month for full coverage. Our benchmark driver pays about $21 a month less here than the state average and about $65 a month less than in Atlanta.
Our data covers six ZIP codes with an Augusta mailing address, from about $182 a month in 30905 to $193 in 30901.
Cost data comes from the auto rates insurers file with state regulators, priced across all six Augusta ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Augusta averages $2,242 a year, or about $187 a month, for our benchmark driver. Liability-only coverage at Georgia’s 25/50/25 minimum averages $910 a year ($76 a month), and 50/100/50 liability with comprehensive and collision averages $2,221 ($185 a month).
Progressive has the lowest full-coverage average among the five insurers in our Augusta rate data. The published 2026 statewide Georgia rate studies we reviewed most often rank Progressive or Georgia Farm Bureau cheapest for full coverage, apart from USAA; one puts GEICO first. For liability-only coverage at 25/50/25 limits, GEICO has the lowest average among these four insurers, at about $55 a month, followed by Progressive at $62. USAA comes in even lower, at about $53 a month, but it sells only to military families.
Full-coverage averages by insurer in Augusta
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $748 | $62 | $1,728 | $144 |
| GEICO | $658 | $55 | $1,847 | $154 |
| USAA (military families) | $636 | $53 | $1,916 | $160 |
| Auto-Owners | Not in our data | Not in our data | $2,360 | $197 |
| Allstate | $1,596 | $133 | $3,358 | $280 |
| State Farm (Nov. 2025 rates)* | $1,552 | $129 | $3,620 | $302 |
| Georgia Farm Bureau* | $470 | $39 | $1,037 | $86 |
| Country Financial* | $820 | $68 | $2,419 | $202 |
| Central Insurance* | $823 | $69 | $2,548 | $212 |
| Mercury* | $1,342 | $112 | $3,322 | $277 |
| Augusta average | $910 | $76 | $2,242 | $187 |
This table uses Augusta ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the six Augusta ZIP codes we price, full coverage for our driver ranges from about $182 a month in 30905 to $193 in 30901, a gap of $133 a year.
Lowest-priced Augusta ZIP codes
Highest-priced Augusta ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Augusta’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 30901 | $945 | $79 | $2,316 | $193 | +3% |
| 30904 | $912 | $76 | $2,255 | $188 | +1% |
| 30905 | $867 | $72 | $2,183 | $182 | -3% |
| 30906 | $901 | $75 | $2,256 | $188 | +1% |
| 30907 | $914 | $76 | $2,216 | $185 | -1% |
| 30909 | $919 | $77 | $2,224 | $185 | -1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Augusta data: with the same $500 deductibles, full coverage averages $2,242 a year and 50/100/50 averages $2,221. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Auto-Owners and GEICO charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Yes, for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Augusta ZIP codes, their full-coverage average rose from $2,122 a year nine months earlier to $2,212 in rates as of Aug. 31, 2026, a 4.2% increase. USAA cut its Augusta average 1.2%, while Progressive raised its average 20.4% and Allstate 2.8%; GEICO’s average was unchanged. Auto-Owners is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Augusta average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits fell 0.1%, led by USAA, which cut its liability-only average 17.8%.
Richmond County averages about $188 a month for full coverage, the 77th-most expensive of the 133 Georgia counties we price.
Suburbs in Columbia County cost a little less: Evans averages about $185 a month and Grovetown $181. Prices depend on where in Georgia you live, not just on your car and driving record.
More Georgia cities and towns are in the Georgia rates by city table, and you can compare states on our car insurance rates by state page.
Savannah, about 110 miles southeast, averages $207 a month, and Macon, about 105 miles southwest, $212. Atlanta averages $252.
Drivers in Augusta follow Georgia’s rules. Every policy must include at least:
Uninsured motorist coverage comes with your policy unless you reject it in writing. Our Georgia requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Georgia law and the Office of the Commissioner of Insurance and Safety Fire. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Augusta averages about $187 a month ($2,242 a year) and liability-only coverage about $76 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 10% below the Georgia average of $208 a month.
Progressive has the lowest full-coverage average in our Augusta rate data, at about $144 a month, with GEICO close behind at $154. For liability-only coverage, GEICO has the lowest average among the four major insurers we compared, at about $55 a month. The published 2026 statewide Georgia rate studies we reviewed most often rank Progressive or Georgia Farm Bureau cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Augusta, for our benchmark driver. Augusta full coverage averages about $187 a month and Atlanta about $252, a difference of about $65 a month for the same driver and car.
In our data, 30905 has the lowest full-coverage average in Augusta, at about $182 a month, and 30901 the highest, at about $193. The ZIP code table on this page lists all six.
In our Augusta data, full coverage (100/300/100 with $500 deductibles) averages about $187 a month and liability-only coverage at 25/50/25 limits about $76, a difference of about $111 a month ($1,332 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Georgia law doesn’t require full coverage, but a lender or leasing company may.
Yes, for our benchmark driver. Comparing the four insurers in both sets of rates (Auto-Owners is new over the past nine months), their Augusta full-coverage average rose 4.2%, from about $2,122 to $2,212 a year. That’s lower than the Augusta average of $2,242 because it leaves out Auto-Owners. USAA cut its Augusta average 1.2%, while Progressive raised its average 20.4% and Allstate 2.8%. Liability-only coverage at 25/50/25 limits fell 0.1%.
For our benchmark driver, full coverage in Augusta averages about $187 a month. Nearby, Macon averages about $212, Savannah about $207 and Atlanta about $252. Augusta is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
