Savannah, GA Auto Insurance | Cheap Car Insurance in Savannah, GA
Savannah, GA auto insurance can start at $37 per month. To secure cheap car insurance in Savannah, GA, you need favorable factors that companies use to determine car insurance rates. The most significant of those are age, credit score, driving history, and vehicle. Even education level and gender can affect auto insurance in Savannah, GA. Compare multiple companies and shop around to get the cheapest rates.
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UPDATED: Dec 4, 2020
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Savannah, GA, auto insurance requires a base coverage (25/50/25) for all drivers. Some of the best Savannah auto insurance companies offer affordable rates. This guide will compare cheap auto insurance companies and show you which companies offer affordable Savannah, GA auto insurance rates.
The companies that offer cheap car insurance in Savannah, GA are The Hartford, Nationwide, State Farm, Allied, and Allstate. State Farm offers drivers in Savannah, GA auto insurance for as low as $37 per month.
Continue reading to learn more about Savannah auto insurance and the factors that determine your auto insurance rates.
Are you looking for cheap auto insurance in Savannah, GA that you’ll find affordable? To find Savannah, GA auto insurance for free, enter your ZIP code in the online quote above.
Cheapest Savannah, GA Auto Insurance
The road to cheap insurance in Savannah, GA, is not as difficult as it may seem. You can find cheap car insurance quotes without much effort. It's all a matter of where to look. Let's explore a few companies in Savannah, GA, that has affordable auto insurance rates.
As you can see, State Farm, The Hartford, and Allied have some of the lowest Savannah, GA car insurance rates. But insurance isn't all about premiums. Customer service is important, as well as the claims filing process.
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Major Factors in Cheap Auto Insurance in Savannah, Georgia
There are numerous ways your car insurance rate can be estimated. But not all of it is out of your control; there are actions you can take to impact which discounts you can obtain. Listed here are some of these components in greater detail:
Your ZIP Code
Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars mean a smaller chance that you will get into a collision with another vehicle.
The population of Savannah is 142,772, and the median household income is $36,198.
Savannah has a higher per capita accident fatality rate than other cities in Georgia with a similarly-sized population. These alarming statistics may end up raising your insurance premiums.
Talk to your local agent, and see if there are Safe Driver discounts available near you.
Auto Thefts in Savannah
Even in small cities or rural towns, auto theft can still be a problem. To make it less of a problem for you, think about installing a passive anti-theft system in your car. Your auto insurance company may reward you with low-cost auto insurance in Savannah, Georgia. In Savannah, there were 656 auto thefts in 2018.
Keep in mind that, although pricey, Comprehensive coverage is the only type of insurance coverage that will pay out on theft claims.
Your Credit Score
It's hard to make sure you have a good credit score - regardless, automotive insurance companies still use this metric as a way to determine what to charge you each month for your coverage.
And, as you can see, it can make a big difference.
In the market to insure a teenage driver? We have some bad news and some good news. The bad news is that teenage drivers are the most expensive drivers to insure (on account of their lack of driving experience and increased accident risk). The good news is that car insurance discounts specifically for teenagers - such as "Good Student" and Driver's Ed discounts - can help alleviate the financial burden.
Discounts are the saving grace for your finances, especially when insuring a teen driver.
A general rule of thumb is that teens will pay the most for their auto insurance.
Your Driving Record
If you can keep a clean driving record, you can secure the lowest possible rate on your automotive insurance policy. Unfortunately, the more violations you add to your record, the more expensive your insurance will become.
You may even lose your coverage completely depending on your provider and the severity of the violations.
If you have a common, inexpensive car, it will be much easier to fix or replace should the worst happen than an expensive luxury vehicle. And an inexpensive car doesn't require an extensive, comprehensive insurance policy.
Why are vehicles part of the factors that determine auto insurance rates? The vehicle's value determines how much auto insurance is needed to cover the vehicle if you get into an accident. For example, the 2009 Toyota Corolla's value wouldn't have the same insurance cost as a 2018 Toyota Corolla. Newer vehicles carry higher auto insurance rates because it would cost more to fix them.
Values are often called Manufacturer's Suggested Retail Price (MSRP) or fair market price. New cars usually have an MSRP attached to them while used cars have fair market price tags.
According to Kelley Blue Book, the MSRP is the price that the manufacturer suggests to a dealer or seller should sell a car for.
The fair market price is the value of a vehicle after the MSRP has depreciated from vehicle use and time.
Minor Factors in Cheap Auto Insurance in Savannah, Georgia
But don't forget about these other factors, and how they can influence your rate:
Your Marital Status
It's not that being married makes you more or less likely to get into an accident, statistically speaking. However, insurance companies love it when you bundle policies together. Spouses are in a great position to save by giving their insurance companies what they want and bundling their policies. You can even bundle homeowners, renters, or other forms of insurance (as long as your insurer offers all policies).
Did you ever really believe that there was a significant difference between one gender or another when it came to driving? Well, as it turns out, neither do most insurance companies these days. Several Savannah, GA car insurance companies charge the same premium if the only real difference is gender. Others may charge two to three percent more for one gender over another, and it isn't always the gender you think it is.
Your Driving Distance to Work
It can take anywhere from 14-21 minutes for most Savannah drivers to make it to work each day. Of those, depending on which part of the city you live in, anywhere from three percent to 23 percent will carpool on a given day.
If you can help it, try to avoid registering your car as a business vehicle. On average, those vehicles get charged 10-12 percent higher rates than vehicles driven for work, school, or even recreationally. Also, yearly mileage is a fairly negligible factor - whether your drive above or below the national average, you may only see a two to three fluctuation in your rate.
Your Coverage and Deductibles
If you want to add coverage to your policy but still receive a discounted rate, try raising your deductible. If the worst happens, your out of pocket expenses will be higher, but the lower monthly premiums should help you save up for a rainy day.
Savannah, GA Education
The largest percentage of drivers in Savannah has obtained a high school diploma. A smaller amount has yet to complete their high school education. But did you know that going back to school can get you a lower price on car insurance? Insurance providers tend to give lower rates to those who have bachelor’s degrees, regardless of job or salary.
If you’re looking to improve your education in Savannah, you’re in luck: there are several different schools with all types of specializations for you to choose from. Two major universities, Savannah State University and Armstrong Atlantic State University offer almost 100 different degrees to more than 9,000 students annually. Savannah is also home to one of the biggest art/design universities in the US, Savannah College of Art and Design.
Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.
Savannah, GA Auto Insurance Coverage Requirements
For legal driving in Georgia, you will need to purchase auto insurance. The minimum requirements for auto insurance are essential to all drivers.
According to the Office of the Commissioner of Insurance and Safety Fire, each Georgia driver needs to carry the minimum automobile insurance requirements. Here are the minimum requirements.
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||25,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||25,000/50,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
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Remember that Liability coverage only pays out on claims if the incident in question was something you caused (or found liable for). For any other situation, you will be financially responsible for your vehicle. And if you are currently financing your automobile, your lender may require additional coverage regardless of legal minimums.
Georgia insurance averages can be a little high - some studies show that the average driver pays somewhere around $183 per month for basic coverage. However, you can get covered in Savannah for as little as $42 per month while still maintaining good coverage on your vehicle.
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How We Conducted Our Auto Insurance Analysis
We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Savannah, GA, Auto Insurance: The Bottom Line
There are a variety of companies to research in Savannah, GA. Progressive Auto Insurance, GEICO [car] Insurance in Savannah, Georgia, and The General Car Insurance in Savannah, GA. Make sure you do your research and find the company that's right for you.
Also, Root Insurance is another option you can take if you want to have insurance based on the number of miles you drive.
Auto insurance providers consider various factors when figuring out Savannah, GA auto insurance quotes, including driving violations, accident claims, occupation, miles driven each year, and business use of the vehicle.
Likewise, premiums change from provider to provider. To make sure you’re still being charged the most favorable rate, compare rates, and learn more about Georgia auto insurance.
Get Savannah, GA, car insurance quotes, or quotes from another city by entering your ZIP code in the FREE comparison tool below.
Frequently Asked Questions: Savannah, GA Auto Insurance
Let's recap what you've learned by going over a few frequently asked questions. Bookmark this webpage, so you can get to these answers faster and reassure that you have everything you need as you shop for auto insurance in Savannah or the state of Georgia.
#1 – Who has the cheapest auto insurance in Savannah, GA?
State Farm has the cheapest car insurance in Savannah, Georgia.
#2 – Why is Savannah, GA auto insurance so high?
Savannah is a popular metropolitan area. Since Savannah is compliant with Georgia state law, it carries strict driver laws.
#3 – What is the minimum coverage for auto insurance in Savannah, GA?
Savannah, Georgia's minimum coverage for auto insurance is $25,000 for bodily injury of one person, $50,000 for bodily injury of multiple people, and $25,000 for property damage.
#4 – What city has the highest auto insurance rate in Georgia?
Based on our research, Atlanta has the highest car insurance rates in Georgia.
#5 – Is auto insurance more expensive in Atlanta than Savannah, GA?
Yes. Atlanta, GA, is a densely populated urban area. Therefore, the risk of accidents is much higher than average and much higher than Savannah, GA.