5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Cheapest recent rates near Augusta, Georgia
Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $70/mo for full coverage in Augusta and other Georgia cities.
*Quotes generated for Insurify users in and around Augusta, Georgia within the last 10 days. Last updated on May 9, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 9, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Augusta, Georgia within the last 10 days. Last updated on May 9, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 9, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The overall average cost of car insurance in Augusta, Georgia, is $186 per month. Drivers in Augusta pay slightly cheaper rates than Georgia’s overall average of $193 per month.
Car insurance rates in Augusta could be less expensive because of the city’s inland location, where severe weather is less common. Additionally, Augusta has a lower population density than some other Georgia cities, like Atlanta.
Here’s what you need to know about comparing quotes and finding cheap car insurance in Augusta.
Quick Facts
Hugo, Auto-Owners, and State Farm have the cheapest car insurance in Augusta.
Augusta drivers pay $142 per month for liability insurance and $230 per month for full-coverage insurance, on average.
Full-coverage car insurance in Augusta costs an average of $2,759 per year.
3 of the cheapest car insurance companies in Augusta
Many car insurance companies sell coverage in Augusta. But the best insurer for you will depend on your individual situation. If you’re shopping for car insurance in Augusta, it’s important to compare several companies to find the best option for your insurance needs.
You can start your search with the three companies below; rates shown in the table are statewide rates for Georgia.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Hugo
3.5
$70
$56
Cheap rates
Auto-Owners
4.3
$96
$65
Coverage options
State Farm
4.6
$103
$70
Customer satisfaction
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$61/mo
Hugo has some of the cheapest average car insurance rates in Augusta. The company operates entirely online and offers more flexible coverage than traditional insurance companies. You can get coverage for as little as three days and pause your coverage when you don’t need it. Three plans are available — Flex, Unlimited Basic, and Unlimited Full — which provide varying amounts of coverage based on your needs. And unlike most insurers, there’s no down payment required and you can pay as you go.
My car's registration has been suspended because Hugo failed to report to the state that I have insurance.
Ronald - March 8, 2024
Verified
Hugo gradually increases prices like other insurance companies
I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$91/mo
If you want to customize your car insurance policy, Auto-Owners is a great insurer to consider. Auto-Owners offers a big selection of add-on insurance coverage, including rental car coverage, accident forgiveness, gap insurance, a common loss deductible waiver, diminished value coverage, and additional expenses coverage. The company also has many discounts, with savings for policy bundling, paying in full, getting a quote in advance, having no prior claims, and insuring a safe vehicle. Additionally, several discounts are available for young drivers.
Pros
Good selection of endorsements
Multiple discounts for potential savings
Cons
Must work with an agent to get a quote and buy coverage
Below-average J.D. Power customer satisfaction rating in the Southeast region
I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
Brandy - April 6, 2024
Verified
Fair Prices from a Trustworthy Company
I've had zero issues!
Best insurer for customer satisfaction: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$68/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
State Farm stands out for its excellent customer satisfaction. In J.D. Power’s 2023 U.S. Auto Insurance Study, State Farm was rated above average for overall customer satisfaction in the Southeast region. It also has an A++ financial strength rating from AM Best, which is the highest score possible. Drivers in Augusta can take advantage of 12 different discounts from State Farm. The company has savings for smart students, accident-free drivers, taking a defensive driving course, insuring a safe vehicle, enrolling in a safe driver rewards program, and several others. But State Farm offers limited endorsements compared to some of its competitors.
I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.
Wanda Carole - April 22, 2024
Verified
Excellent
Check out other companies and their rates before making a decision.
…
How to get the cheapest car insurance in Augusta
Drivers in Augusta can lower their car insurance premiums in a variety of ways. Here are some tips for getting cheap car insurance in Augusta:[1]
Raise your deductibles. For car insurance policies that have a deductible, such as collision insurance, choosing a higher deductible will lower your monthly premium.
Improve your credit. In Georgia, improving your credit may help you get a more affordable auto insurance premium.
Maintain a clean driving record. Most insurers in Augusta offer a discount to people who maintain a clean driving record and have no recent accidents or tickets.
Bundle your policies. You can typically save money on car insurance when you bundle two or more insurance products with the same company, like car insurance and home insurance, life insurance, or renters insurance.
Find Cheap Car Insurance in Augusta
Liability rates start as low as $54 per month
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Cheapest liability-only car insurance in Augusta: Hugo
Liability-only insurance is required in Georgia. It covers another person’s bodily injuries and property damage, but it provides no coverage for your injuries or vehicle.
Liability-only coverage in Augusta costs an average of $142 per month.
Here are the cheapest car insurance companies in Augusta for liability-only insurance:
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Hugo
54
Auto-Owners
63
State Farm
68
COUNTRY Financial
69
Allstate
75
Mile Auto
75
USAA
79
Progressive
92
Safeco
100
Mercury
105
GEICO
109
State Auto
109
Clearcover
111
National General
128
Liberty Mutual
129
AssuranceAmerica
131
Elephant
134
Direct Auto
137
GAINSCO
147
Midvale Home & Auto
160
Nationwide
164
Infinity
184
The General
203
Bristol West
226
Foremost
242
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Augusta: Hugo
Full-coverage car insurance provides more protection than liability-only insurance. A standard full-coverage auto policy includes liability insurance, collision insurance, comprehensive insurance, and medical expenses insurance. Full coverage is optional for most drivers, but it’s typically a lender requirement if you lease or finance your car.
Augusta drivers pay a monthly average of $230 for full-coverage insurance.
In the table below, you can see which car insurance companies in Augusta have cheap auto insurance rates for full coverage:
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Hugo
61
Auto-Owners
91
State Farm
98
COUNTRY Financial
100
Allstate
108
USAA
114
Mile Auto
119
Progressive
146
Travelers
150
GEICO
159
Mercury
171
Safeco
172
Elephant
187
State Auto
199
Clearcover
201
AssuranceAmerica
222
Midvale Home & Auto
223
Liberty Mutual
224
Direct Auto
230
Nationwide
233
National General
264
Foremost
288
GAINSCO
298
Infinity
331
The General
340
Bristol West
427
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Georgia
In Augusta, vehicle owners must carry a minimum amount of car insurance to register their cars and drive legally. The minimum coverage limits are 25/50/25 in liability insurance, which kicks in when you cause an accident that results in someone else’s injuries or property damage.[2]
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$25,000 per accident
In addition to liability insurance, many drivers in Augusta can benefit from adding endorsements to their policy. Endorsements can fill gaps in your standard policy and provide more peace of mind. Some common add-ons include:
Gap coverage
If you lease or finance your vehicle and have negative equity, gap insurance can be beneficial. If your vehicle gets totaled or stolen, this coverage pays the difference between the car’s value and the amount you still owe.
Accident forgiveness coverage
Accident forgivenesswaives your first at-fault collision so it doesn’t affect your premium. This add-on policy is often only available to drivers with a clean record and accident history.
Roadside assistance coverage
Roadside assistance coverage helps pay for basic roadside vehicle services, such as flat-tire changes, fuel delivery, battery replacements, and towing.
Georgia Automobile Insurance Plan
Drivers in Augusta who aren’t able to purchase car insurance through the voluntary marketplace can get coverage from the Georgia Automobile Insurance Plan. This plan can be a good alternative for people who have been denied car insurance because of their credit history, vehicle type, or driving history.
Cheapest car insurance for drivers with an incident
Drivers with incidents on their record, such as speeding tickets, at-fault accidents, and other traffic violations, usually pay higher car insurance rates than people with a clean record. More serious violations, like driving under the influence, often have the biggest effect on rates.
Having traffic incidents on your record makes you riskier to insure, so insurance companies charge higher rates to offset the increased risk of a claim. But the cost of car insurance for drivers with an incident will also depend on their insurer.
Shop for Car Insurance in Augusta, GA
Monthly rates start at $72 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Hugo
Drivers with a speeding ticket on their record often pay slightly higher insurance rates than drivers with a clean record. If you get pulled over for speeding, insurers assume that there’s a risk you’ll speed again, which endangers other drivers on the road.
In Augusta, the average cost of car insurance for drivers with a speeding ticket is $334 per month for full coverage and $206 per month for liability-only coverage.
These are the cheapest car insurance companies in Augusta for drivers with a speeding ticket on their record:
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Hugo
54
74
Auto-Owners
63
82
State Farm
68
88
COUNTRY Financial
69
92
Allstate
75
98
Mile Auto
75
105
USAA
79
103
Progressive
92
120
Safeco
100
132
Mercury
105
147
GEICO
109
142
State Auto
109
154
Clearcover
111
146
National General
128
184
Liberty Mutual
129
185
AssuranceAmerica
131
175
Elephant
134
193
Direct Auto
137
181
GAINSCO
147
211
Midvale Home & Auto
160
216
Nationwide
164
216
Infinity
184
249
The General
203
268
Bristol West
226
292
Foremost
242
348
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Hugo
Getting into an accident can have a significant effect on your car insurance premium, unless you have accident forgiveness. The rate increase after an at-fault accident often depends on the type of accident and severity of the accident, as well as your insurer.
Augusta drivers with an accident pay monthly averages of $215 for liability coverage and $349 for full coverage.
In the table below, you can see which car insurance companies in Augusta have the cheapest rates for drivers with an at-fault accident:
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Hugo
54
72
Auto-Owners
63
86
State Farm
68
93
COUNTRY Financial
69
98
Allstate
75
103
Mile Auto
75
113
USAA
79
108
Progressive
92
129
Safeco
100
133
Mercury
105
153
GEICO
109
150
State Auto
109
165
Clearcover
111
162
National General
128
174
Liberty Mutual
129
193
AssuranceAmerica
131
181
Elephant
134
181
Direct Auto
137
193
GAINSCO
147
196
Midvale Home & Auto
160
232
Nationwide
164
227
Infinity
184
249
The General
203
285
Bristol West
226
305
Foremost
242
362
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Hugo
Augusta drivers with a DUI on their record can expect to see a significant rate increase on their car insurance. A DUI conviction is one of the most serious violations, and people who drive while under the influence are among the riskiest to insure. In fact, some insurers may refuse to renew a client’s car insurance policy after a DUI.
Augusta drivers with a DUI pay $244 per month for minimum-coverage policies. The average cost of a full-coverage policy increases to $395 per month after a DUI.
Below are the cheapest car insurance companies in Augusta for drivers with a DUI:
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Hugo
54
92
Auto-Owners
63
107
State Farm
68
115
COUNTRY Financial
69
117
Allstate
75
127
Mile Auto
75
116
USAA
79
134
Progressive
92
156
Safeco
100
170
Mercury
105
162
GEICO
109
185
State Auto
109
185
Clearcover
111
188
National General
128
217
Liberty Mutual
129
219
AssuranceAmerica
131
222
Elephant
134
227
Direct Auto
137
232
GAINSCO
147
249
Midvale Home & Auto
160
271
Nationwide
164
278
Infinity
184
312
The General
203
344
Bristol West
226
383
Foremost
242
410
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Hugo
Senior drivers in Augusta usually pay slightly higher rates for car insurance compared to middle-aged adults. In general, car insurance premiums start to decrease around age 35 but increase again around age 70. Because older drivers are more likely to have changes in vision, mobility, and cognitive ability that can lead to unsafe driving, insurers consider them to be higher-risk.[3]
Senior drivers in Augusta pay $110 per month, on average, for liability-only insurance.
Here are the cheapest auto insurance companies in Augusta for senior drivers:
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Hugo
42
37
Auto-Owners
69
48
State Farm
73
51
COUNTRY Financial
76
53
Allstate
84
58
Mile Auto
87
55
USAA
88
61
Progressive
101
64
GEICO
122
84
Mercury
125
76
Safeco
134
78
Elephant
142
102
State Auto
148
81
Clearcover
155
86
AssuranceAmerica
163
96
Midvale Home & Auto
164
118
Nationwide
168
118
Direct Auto
170
101
Liberty Mutual
170
98
National General
205
99
Foremost
217
182
GAINSCO
234
115
Infinity
241
134
The General
270
161
Bristol West
331
175
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Hugo
Teen drivers pay the highest car insurance rates in Augusta. Data shows that teen drivers have a higher risk of accidents than any other age group and are more likely to make critical driving errors that can lead to serious collisions.[4] Because teens lack experience behind the wheel, they pay the most expensive insurance premiums.
Car insurance for Augusta teens costs $254 per month for liability coverage and $412 for full coverage, on average.
But teen drivers can save money on car insurance in a few ways. For example, staying on a parent’s policy is cheaper than getting an individual policy. Additionally, many insurers offer discounts for young drivers who get good grades in school or enroll in a safe driver rewards program, like Steer Clear from State Farm.
These companies offer the cheapest car insurance for teens in Augusta:
The below rates are estimated rates current as of: Friday, May 3 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Hugo
106
94
COUNTRY Financial
147
101
Auto-Owners
156
108
State Farm
165
115
Allstate
188
131
USAA
189
131
Mile Auto
229
144
GEICO
249
171
Progressive
264
166
Elephant
308
221
Mercury
311
191
State Auto
351
192
Safeco
361
210
Midvale Home & Auto
388
279
Clearcover
390
215
Nationwide
396
279
AssuranceAmerica
411
243
Liberty Mutual
416
240
Direct Auto
419
250
National General
489
237
Foremost
508
427
GAINSCO
534
263
The General
549
328
Infinity
605
336
Bristol West
725
383
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Check quotes from 100+ top insurance companies
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Augusta car insurance quotes by credit tier
In Georgia, insurance companies can use credit-based insurance scores to calculate premiums. That means your credit history can affect the cost of your auto insurance. Because people with poor credit are considered riskier to insure, they usually pay higher premiums than drivers with good credit.
Below, you can see the average cost of car insurance in Augusta by credit tier:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Augusta?
Car insurance is more expensive in Augusta compared to the U.S. national average. The overall average monthly premium in Augusta is $186, and the national average premium is $159 per month.
One reason behind Augusta’s high car insurance premiums is the number of uninsured drivers in the state. Georgia is No. 7 in the U.S. for the highest number of uninsured drivers.[5]
More cities in Georgia
The average cost of auto insurance depends on your city and ZIP code. Augusta’s average premiums fall somewhere in the middle compared to other large cities in Georgia.
For example, the average cost of car insurance in Atlanta is $231 per month, which makes it one of the most expensive cities in the state for car insurance. Macon residents also pay high premiums, with an average rate of $254 per month.
In the table below, you can see the average cost of car insurance in some of the largest cities in Georgia:
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Augusta car insurance FAQs
If you’re shopping for affordable insurance in Augusta, Georgia, this additional information may help as you research your coverage options.
How much is car insurance in Augusta?
Car insurance in Augusta costs $142 per month for liability coverage and $230 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Augusta?
With monthly liability rates as low as $54, Hugo has the cheapest car insurance in Augusta. Other affordable insurers in the city include Auto-Owners and State Farm, with respective monthly liability rates of $63 and $68.
But the cheapest company for you will depend on many factors, including your age, ZIP code, type of car you drive, and coverage levels you choose.
What are the best car insurance companies in Augusta?
With an IQ Score of 4.6 out of 5, an A++ (Superior) financial strength rating from AM Best, and above-average J.D. Power customer satisfaction scores, State Farm is one of the best car insurance companies in Augusta.
Other top insurers in the city include Auto-Owners and Hugo. But you should compare quotes from at least three insurers to find the best coverage for you.
How much is car insurance per month in Georgia?
Car insurance in Georgia costs an average of $146 per month for liability coverage and $240 per month for full coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.