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 you need to know what car insurance companies are looking at. The most significant factors are age, credit score, driving history, and vehicle. Even education level and gender can affect auto insurance rates in Savannah, GA. Compare multiple companies and shop around to get the cheapest auto policy.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Can't-Miss Facts

  • Drivers in Savannah are required to carry the state’s minimum coverage requirements of 25/50/25 or greater
  • The top auto insurance companies in Savannah, GA are The Hartford, Nationwide, State Farm, Allied, and Allstate
  • Many factors affect your auto insurance rates, such as your age, gender, city, credit history, and more

If you live in Savannah, GA, the state requires base coverage of 25/50/25 for all drivers. Some of the best Savannah auto insurance companies offer affordable car insurance rates even for higher risk drivers. You just have to shop around and take advantage of available discounts. This guide will compare cheap auto insurance companies and help you shop the Savannah market like a pro.

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? To find Savannah, GA auto insurance for free, enter your ZIP code in the online quote above.

Can You Get Reliable Coverage and Affordable Rates in Savannah, GA?

The road to cheap insurance in Savannah, GA, is not as difficult as it may seem. Despite what you might think, you don’t necessarily have to sacrifice coverage for discounts or spend hours on the phone talking to different agents. You can find cheap car insurance quotes without much effort. It’s all a matter of where to look.

Savannah, GA Average Monthly Auto Insurance RatesLegend: Savannah The Hartford Nationwide State Farm Allied Allstate 5101520253035404550$39$46$37$39$51

When you shop around and compare quotes, you get a high-level overview of your options. Then you can drill down into factors that matter more to you. Are you worried about the average cost? Do you worry about customer service and claims adjusters? Are you interested in minimum auto insurance or more comprehensive coverage? Do you want a company that offers student discounts? These are all factors to consider when shopping around.

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What Factors Go into Auto Insurance Quotes in Savannah?

There are numerous ways your car insurance rate can be estimated. But you have more control than you might realize. Even if you have a teen driver or prior accident, there are actions you can take to lower your rates. Listed here are some of the things to think about:

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. Similarly, do you park in a garage or on the street? If you’re in a city, what neighborhood do you live in, and what is the crime rate? Do you live on a busy street increasing your risk of filing a collision insurance claim?

Georgia Average Monthly Auto Insurance Rates by CityLegend: Atlanta Athens Savannah Macon Columbus The Hartford Nationwide State Farm Allied Allstate 1020304050$45$34$39$38$35$47$35$46$36$42$48$36$37$43$45$48$33$39$37$38$59$43$51$44$41

The population of Savannah is 142,772, and the median household income is $36,198.

Automotive Accidents

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. Similarly, do you park in a garage or on the street? If you’re in a city, what neighborhood do you live in, and what is the crime rate? Do you live on a busy street increasing your risk of filing a collision insurance claim?

Savannah, GA Fatal Auto Accidents StatisticsLegend: Savannah Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 5101520253035404550552636629596

If you’re unsure about being tracked while in your car, you may have to wait until accidents and tickets fall off your record. There’s no time like the present to watch your speed, avoid distractions, and be a more careful driver. Both now and in the future, the effects of those choices will show up in dollar amounts on your insurance premium.

Of course, we can’t always control those around us. That’s why a growing number of insurance companies offer accident forgiveness for first time accidents or minor offenses. If you avoid reckless driving and practice defensive driving, you significantly lower your risk and your rates.

Auto Thefts in Savannah

Even in small cities or rural towns, auto theft can still be a problem. If your car is stolen, even for a few hours, the person driving could get into an accident, vandalize your car, and more. If you’re only buying the minimum car insurance, your plan may not cover the damage.

Savannah, GA Liability vs. Comprehensive Auto Insurance RatesLegend:Liability Coverage Comprehensive Coverage The Hartford Nationwide State Farm Allied Allstate 102030405060708090100110$45$81$47$90$48$80$48$83$59$115

To reduce your risk of auto theft, think about installing a passive anti-theft system. Just like common safety features, an anti-theft system doesn’t guarantee it’ll never happen. Systems can help you get your car back sooner or deter would be thieves by making it a little harder, though. Your auto insurance company may reward you with low-cost auto insurance in Savannah, Georgia. In Savannah, there were 656 auto thefts in 2018.

Savannah, GA Liability vs. Comprehensive Auto Insurance Rates 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

Some find it hard to understand why companies would use your credit score. How is your credit related to your driving history? Some companies worry about receiving payments and collections expenses, which is why you can also get a discount for using auto pay or e-billing. Others see a bad credit score as a sign of risky behavior in general. Even if you shop with a company that doesn’t take your credit score into account, it doesn’t hurt to raise it.

Some people use credit counseling. Often, the best solution is the simplest. Keep a few lines of credit open, make your monthly payments on time, and don’t overextend yourself. If your credit lines offer the option, set up auto-pay and make everything that much simpler.

Savannah, GA Average Monthly Auto Insurance Rates by Credit ScoreLegend: Excellent Credit Score Poor Credit Score The Hartford Nationwide State Farm Allied Allstate 10203040506070$20$77$35$49$29$69$28$42$38$68

And, as you can see, it can make a big difference.

Your Age

Are you 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.

Savannah, GA Average Monthly Auto Insurance Rates by AgeLegend: 34-Year-Old Driver  17-Year-Old Driver The Hartford Nationwide State Farm Allied Allstate 102030405060708090100110120$45$86$47$123$48$120$48$108$59$106

Discounts are the saving grace for your finances, especially when insuring a teen driver.

As your teen spends more time on the road, they’ll build a history with the insurance companies. Know that even a small accident or infraction will weigh more heavily on them than a 30-year-old adult. No matter your drivers ages, good driving will lead to better rates.

Your Driving Record

It’s not just about accidents. Speeding, running a red (or yellow) light, not signaling before changing lanes, and other traffic infractions can also raise your rates. 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.

Savannah, GA Average Monthly Auto Insurance Rates Based on Driving RecordLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident The Hartford Nationwide State Farm Allied Allstate 10203040506070$45$32$35$38$47$45$63$43$48$39$39$43$48$38$69$48$59$46$55$75

If you already have a few tickets and want more immediate discounts, many insurers offer trackers that go on your phone or in your car. Companies typically provide an up front discount that is updated based on your driving record in a set period. This is available for drivers of all legal ages.

Your Vehicle

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. An inexpensive car may not require an extensive, comprehensive insurance policy. You always determine your coverage level by how much you’re willing to pay. It may be more worthwhile to pay for comprehensive coverage on a 2020 Porsche than it would be for a 1990 Ford pickup truck. As long as you meet the damage liability coverage for your state, you can choose options that make sense for your vehicle. Keep in mind, if you’re financing or leasing a vehicle, your financer may require certain coverages as well.

Savannah, GA Average Monthly Auto Insurance Rates by Make/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder The Hartford Nationwide State Farm Allied Allstate 102030405060708090100110120130140150$45$100$47$96$48$109$48$100$59$151

How does your car affect your rates when comparing the same coverage levels? Car 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. This makes them more costly for your insurance company to repair or replace should you get in a serious accident.

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.

Are There Other Factors That Go into Insurance Rates in Savannah?

We’ve covered the main things insurance companies consider when calculating auto rates. These factors you might not think of can also affect your ability to get the cheapest rates:

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. Married couples can put multiple drivers and cars on the same policy. A married couple might also be more likely to buy other types of insurance from homeowners insurance to watercraft policies. Bundle and save applies to everyone. Married people are just more likely to do it.

Your Gender

The difference is smaller than it once was, but gender is still a determining factor in insurance underwriting. Men, especially when in their teens or early 20s, are viewed as being more reckless and likely to be involved in an at-fault accident. Some companies now offer the same rates regardless of gender, but it’s far from being an industry standard.

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. All this goes into your annual mileage (and how much of a risk you’re at in any given year).

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. If you know you won’t put the extra money aside to cover the extra costs of a high deductible accident down the road, it’s best to pay the higher rate. The lowest price isn’t always the best price for auto insurance.

By running a quote in your area, you can compare different companies. You can also compare minimum state requirements with cheaper premiums to higher policy limits with additional coverages and competitive rates. Experienced agents can also educate you on the benefits of different coverage options for your individual situation.

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. Did you know that going back to school could get you an affordable 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. 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.

What Are Car Insurance Coverage Requirements in Savannah?

For legal driving in Georgia, you will need to purchase auto insurance.

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.

Georgia's Auto Insurance Requirements
CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability25,00050,000
Uninsured Motorist Bodily InjuryNot required25,000/50,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 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.

The Bottom Line: What Are Your Auto Insurance Options in Savannah, GA?

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.

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#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.

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#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.

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