Cheapest Auto Insurance in Savannah, Georgia (2025)
Savannah drivers can find the cheapest rates with Progressive, which offers minimum-coverage policies starting at $92 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byMelanie Lockert
)
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Featured in
){kind=logo}
){kind=small}
){kind=logo}
){kind=small}
)
Edited byDanny Smith
)
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
){kind=small}
)
Reviewed byDaniel Roccato
)
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
)
Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Savannah is considered the oldest city in the state of Georgia, with a historic district that takes you back in time. Its population, location, and accident rates all play a role in car insurance costs, which are higher than the average in the United States.
The overall average cost of car insurance in Savannah is $228 per month, according to Insurify data. That’s higher than the state average of $205 and the national average of $140.
But you may be able to find cheaper rates in Savannah by comparing quotes from multiple insurers.
Quick Facts
Progressive, Mile Auto, and Auto-Owners are the three cheapest car insurance companies in Savannah.
Savannah’s location on the coast may contribute to its higher rates, as damage from storms can drive up insurance costs.
The city’s impaired driving rate is more than three times the state’s average.[1]
Best car insurance companies in Savannah
If you’re looking for car insurance in Savannah, GA, you have plenty of options to choose from. You can secure basic liability insurance coverage, opt for full coverage, and find optional coverage types to meet your needs. For the most competitive rates and discounts, here are some of the top options for auto insurance in Savannah.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $133 | $95 | Liability-only coverage |
| State Farm | 9.3 | $143 | $102 | Teen drivers |
| COUNTRY Financial | 9.1 | $144 | $103 | Full coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| 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. | $106/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. | $148/mo |
4.3
Best choiceBased on 234 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (135)
David
Verified Review
Getting Expensive
Reviewed in Michigan on October 2025
I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.
Ronald
Verified Review
I Hate Insurance Companies
Reviewed in Pennsylvania on October 2025
The good is my broker was fantastic; she got me a good policy for a decent price in the beginning. The bad is, in the 3 years I’ve had my policy, it went up about 4-5 times, and the last two times it went up, it was like a day or two apart, which is very unacceptable. I just don’t understand when you are loyal to a company, pay your bills on time, and haven’t had a claim on your vehicle(s) or house, they just increase your payment without notice or care about how much income you have. I have no problem paying my bills on time, but honestly, I’d like to be able to feed my family, and it’s really hard to do that when a majority of your income goes to bills.
Michael
Verified Review
Best Kept Secret!
Reviewed in South Carolina on September 2025
Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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).
A++Why we picked this company
Auto-Owners serves nearly 3 million policyholders in 26 states. The company launched in 1916 and today sells car, home, life, and commercial insurance policies. AM Best gives Auto-Owners superior financial strength and credit ratings, and the company receives significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Complaint Index. J.D. Power also ranks the insurer highly for claims satisfaction. Auto-Owners offers several discounts, including for having multiple policies, choosing paperless billing, and paying in full.
Pros
Insures classic and modified cars
Good optional coverages
Cons
Comparatively high number of customer complaints in Georgia, according the National Association of Insurance Commissioners
Complaints about claims
Best insurer for teen drivers: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $113/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. | $159/mo |
4.1
Best choiceBased on 11,914 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,274)
Stephen
Verified Review
Excellent Service
Reviewed in Alabama on October 2025
Great. I have used them for 20 years.
Linda
Verified Review
I am upset as this is not right.
Reviewed in North Carolina on October 2025
State Farm sent me a letter stating that they were canceling my collision and towing and labor costs effective 10-28-2025. The reason they gave was that they could not verify that my husband had a driver's license. He was told by a patrolman that he has 2 years to get his license renewed.
Darrell
Verified Review
Price - Price - Price Lower than Competitors
Reviewed in Kentucky on October 2025
Great
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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).
A++Why we picked this company
State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.
Pros
Multiple discounts, including many for teen drivers
Bundling options
Cons
No gap coverage available
Potentially high premiums for drivers with poor credit
Best insurer for full coverage: COUNTRY Financial
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $115/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. | $160/mo |
4.0
Best choiceBased on 54 verified guest reviews and ratings
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Good claims process
High customer satisfaction
Reviews (32)
Debbie
Verified Review
Disappointed
Reviewed in Ohio on October 2025
Awesome and they don't raise my premium for something that wasn't my fault, and they don't have a big turnover in sales reps in their office. You also get to deal with the main agent, unlike State Farm in Toronto, Ohio.
Christian
Verified Review
My experience with Country Financial has been upstanding and I haven't had a problem with them
Reviewed in Nevada on September 2025
Honestly, one of the best insurance providers I have dealt with.
Nan
Verified Review
Good
Reviewed in Georgia on March 2025
I would like my representative to return my calls. My coverage has been average.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44A.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).
A+Why we picked this company
Launched in 1925, COUNTRY Financial continues to offer auto, home, life, and other types of insurance to this day. The insurer offers liability and full-coverage car insurance, plus optional coverages like roadside assistance and windshield replacement. Policyholders can save with numerous discounts, like for multiple policies, multiple cars, legacy (unmarried children of policyholders), engaged couples, and certain occupations. AM Best gives the company superior ratings for financial stability and credit strength.
Pros
Multiple discounts available
Offers roadside assistance coverage
Cons
2.8 stars (out of 5) on Trustpilot
Complaints about claims handling
)
Check Out: The 10 Best Car Insurance Companies
How to get the cheapest car insurance in Savannah
Savannah drivers looking for cheap car insurance should consider some of the following strategies:
Compare car insurance companies. If you find a good quote, don’t stop there. Gather quotes from a minimum of three auto insurance companies. Look at rates, discounts, benefits, and customer service ratings.
Bundle insurance policies. If you need other insurance products, such as renters insurance or homeowners insurance, most companies offer discounts if you bundle those policies.
Look for discounts. To lower rates, see which discounts you may qualify for at each insurer and compare how much you could save. “Many insurance providers offer discounts that can help reduce premiums,” Grizzle says. “Explore potential discounts, such as safe driving discounts, discounts for bundling multiple policies, or discounts for certain safety features in your vehicle. These opportunities can lead to significant savings.”
Drive safely. The best way to save money on car insurance rates is to stay safe and keep a spotless driving record. Wear your seat belt, follow speed limits, and drive defensively. Only get behind the wheel if you’re sober and energized. If not, use a rideshare service or public transportation.
Cheapest liability-only car insurance in Savannah: Progressive
Liability car insurance is a type of coverage the state mandates. By Georgia law, Savannah drivers must obtain certain limits in coverage that typically cover bodily injury and property damage liability.
It protects against liability if you injure someone or damage their vehicle in an accident, but it can leave you exposed, as it doesn’t cover you and your own vehicle.[2] On average, liability-only coverage costs $183 per month in Savannah. Here are the cheapest options for liability-only car insurance in Savannah, GA.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $92 |
| Mile Auto | $100 |
| Auto-Owners | $106 |
| State Farm | $113 |
| COUNTRY Financial | $115 |
| Allstate | $123 |
| USAA | $132 |
| Mercury | $163 |
| Root | $176 |
| GAINSCO | $186 |
| Direct Auto | $190 |
| Bristol West | $195 |
| GEICO | $201 |
| Clearcover | $217 |
| National General | $224 |
| AssuranceAmerica | $229 |
| The General | $232 |
| Safeco | $235 |
| Infinity | $251 |
| Nationwide | $274 |
| Liberty Mutual | $435 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Savannah
Minimum-coverage policies start at $92/mo.
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cheapest full-coverage car insurance in Savannah: Auto-Owners
While you can manage with just liability insurance required by Georgia law, you’ll receive more generous protections by getting full-coverage car insurance. Full-coverage car insurance includes not only liability insurance but also collision and comprehensive coverage. These additional coverages can pay to repair or replace your car in an at-fault accident, or a non-collision event. If you lease or finance your car, your leasing company or lender will require you to buy full-coverage car insurance to protect their investment.
Drivers in Savannah pay an average of $273 per month for full-coverage insurance.
If you want greater benefits with your insurance, consider these affordable full-coverage options in Savannah.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $148 |
| Mile Auto | $156 |
| State Farm | $159 |
| COUNTRY Financial | $160 |
| Allstate | $174 |
| USAA | $186 |
| Progressive | $191 |
| Mercury | $259 |
| Root | $262 |
| GEICO | $270 |
| Safeco | $295 |
| Clearcover | $304 |
| Direct Auto | $306 |
| National General | $309 |
| GAINSCO | $358 |
| AssuranceAmerica | $366 |
| Bristol West | $366 |
| Nationwide | $383 |
| The General | $383 |
| Infinity | $464 |
| Liberty Mutual | $475 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Savannah, Georgia
Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $73/mo for full coverage in Savannah and other Georgia cities.
*Quotes generated for Insurify users in and around Savannah, Georgia within the last 10 days. Last updated on October 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 October 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Savannah, Georgia within the last 10 days. Last updated on October 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 October 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Georgia
Drivers in Savannah must comply with Georgia’s minimum insurance requirements. This means getting bodily injury liability coverage at $25,000 per person and $50,000 per incident. Plus, you need $25,000 in coverage per incident for property damage liability.[3]
“Beyond the minimum requirements, evaluate additional coverage options based on your specific needs,” says Tyler Grizzle, a founding partner at GSP Insurance Group with offices in Georgia and South Carolina. “This may include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. Understanding the benefits and costs of each option can help you make informed decisions.”
It’s important to note that Georgia is an at-fault state. After an accident, fault will be assigned to a driver who’s responsible for the damage done to the other party and vehicle.
Bodily injury liability
$25,000 per person
$50,000 per incident
Property damage liability
$25,000 per incident
For further protection, drivers in Savannah should consider the following coverages:
Collision coverage
Collision insurance covers costs for collisions with vehicles and other objects.
Comprehensive coverage
Comprehensive insurance covers costs of vehicle damage from theft, vandalism, fire, or debris damaging the windshield.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for costs if the other party in an accident is uninsured or underinsured.
Cheapest car insurance for drivers with an incident
Driving a vehicle is a major responsibility. It requires your total focus and energy — and in a split second, anything can happen. Incidents occur all the time, every day. They can include anything from minor fender benders to serious events, like receiving a speeding ticket or driving under the influence.
These incidents appear on your driving record, raise your risk profile, and typically come with increased car insurance premiums. In Savannah, drivers with moving violations face average monthly rates of $329 for full coverage and $220 for liability only. Read on to learn more about how these events affect rates and where to find affordable prices.
Find Car Insurance in Savannah
Minimum coverage starts at $111/mo. for drivers with incidents on their records
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Progressive
Driving over the speed limit can put other drivers at risk and reduce your reaction time. If you drive above the posted speed limit and get pulled over, you’ll probably get a speeding ticket. How much you’ll pay depends on how fast you’re going, but your insurance rates will likely increase regardless of how much your ticket is.
A speeding ticket bumps Savannah’s average car insurance costs to $231 per month for liability-only coverage and $344 for full coverage. Below are the cheapest places to get insurance in Savannah after a speeding ticket.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Progressive | $92 | $116 |
| Mile Auto | $100 | $121 |
| Auto-Owners | $106 | $136 |
| State Farm | $113 | $141 |
| COUNTRY Financial | $115 | $153 |
| Allstate | $123 | $157 |
| USAA | $132 | $168 |
| Mercury | $163 | $228 |
| Root | $176 | $233 |
| GAINSCO | $186 | $224 |
| Direct Auto | $190 | $239 |
| Bristol West | $195 | $245 |
| GEICO | $201 | $261 |
| Clearcover | $217 | $285 |
| National General | $224 | $280 |
| AssuranceAmerica | $229 | $272 |
| The General | $232 | $308 |
| Safeco | $235 | $307 |
| Infinity | $251 | $313 |
| Nationwide | $274 | $350 |
| Liberty Mutual | $435 | $548 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Progressive
An at-fault accident is an unpleasant experience that affects more than just you and your car. It typically increases your premiums, too. Rates typically increase for about three years, according to the Insurance Information Institute (Triple-I).[4]
In Savannah, drivers with at-fault accidents face average monthly rates of $375 for full coverage and $251 for liability-only policies. Here are the top insurance companies in Savannah to consider if you’ve been in an accident.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Progressive | $92 | $126 |
| Mile Auto | $100 | $135 |
| Auto-Owners | $106 | $140 |
| State Farm | $113 | $149 |
| COUNTRY Financial | $115 | $155 |
| Allstate | $123 | $164 |
| USAA | $132 | $176 |
| Mercury | $163 | $243 |
| Root | $176 | $232 |
| GAINSCO | $186 | $242 |
| Direct Auto | $190 | $262 |
| Bristol West | $195 | $260 |
| GEICO | $201 | $258 |
| Clearcover | $217 | $322 |
| National General | $224 | $300 |
| AssuranceAmerica | $229 | $284 |
| The General | $232 | $323 |
| Safeco | $235 | $332 |
| Infinity | $251 | $326 |
| Nationwide | $274 | $368 |
| Liberty Mutual | $435 | $583 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Progressive
Getting convicted of a DUI is a serious matter and can lead to a number of negative consequences. In Georgia, your first DUI can lead to a license suspension for a year, though you may be able to get it reinstated after 120 days if you meet certain requirements.[5] On top of that, insurance rates can potentially double.
Savannah drivers with a DUI can expect averages of $333 per month for full coverage and $223 for liability only. Here are the cheapest car insurance options for drivers with a DUI in Savannah.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Progressive | $92 | $112 |
| Mile Auto | $100 | $134 |
| Auto-Owners | $106 | $142 |
| State Farm | $113 | $151 |
| COUNTRY Financial | $115 | $154 |
| Allstate | $123 | $164 |
| USAA | $132 | $176 |
| Mercury | $163 | $227 |
| Root | $176 | $230 |
| GAINSCO | $186 | $248 |
| Direct Auto | $190 | $254 |
| Bristol West | $195 | $260 |
| GEICO | $201 | $259 |
| Clearcover | $217 | $290 |
| National General | $224 | $299 |
| AssuranceAmerica | $229 | $306 |
| The General | $232 | $310 |
| Safeco | $235 | $340 |
| Infinity | $251 | $335 |
| Nationwide | $274 | $366 |
| Liberty Mutual | $435 | $581 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto
Car insurance rates begin to decrease in adulthood at age 35 and continue downward steadily until you reach about 75. Seniors typically face rate increases because age presents additional risks in coordination and vision, but you can still find affordable insurance.[6]
On average, Savannah seniors pay $161 per month for liability-only coverage and $240 monthly for full coverage. Below are the most affordable insurers for seniors in Savannah, GA.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Mile Auto | $70 | $109 |
| Auto-Owners | $71 | $99 |
| State Farm | $73 | $103 |
| Progressive | $78 | $161 |
| COUNTRY Financial | $80 | $111 |
| Allstate | $87 | $123 |
| USAA | $96 | $135 |
| Mercury | $120 | $191 |
| Root | $133 | $198 |
| Direct Auto | $134 | $216 |
| GEICO | $136 | $182 |
| Bristol West | $145 | $272 |
| GAINSCO | $151 | $291 |
| National General | $152 | $210 |
| AssuranceAmerica | $162 | $258 |
| Infinity | $167 | $308 |
| Nationwide | $172 | $240 |
| The General | $174 | $288 |
| Clearcover | $184 | $258 |
| Safeco | $194 | $243 |
| Liberty Mutual | $321 | $350 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Progressive
If you’re a teen or a parent of a teen, you might quickly realize that the average monthly cost of car insurance is much higher for young drivers. Teens’ lack of driving experience and higher tendency toward risky driving behaviors, like speeding or distracted driving, put them at a higher risk of accidents. Unfortunately, fatal accidents are the top cause of death among U.S. teens, according to the Centers for Disease Control and Prevention (CDC).[7]
For full-coverage car insurance, Savannah teens pay an average of $487 per month, while liability-only coverage costs $327 per month, on average. Look for insurance companies that offer a good student discount (you’ll typically need a B average or better) and stay on your parents’ policy to reduce costs. Below, find the cheapest monthly car insurance quotes for teens in Savannah.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Progressive | $164 | $341 |
| COUNTRY Financial | $178 | $248 |
| Mile Auto | $203 | $317 |
| Auto-Owners | $203 | $283 |
| State Farm | $215 | $302 |
| Allstate | $240 | $339 |
| USAA | $241 | $339 |
| Mercury | $302 | $480 |
| Root | $303 | $451 |
| Bristol West | $345 | $648 |
| GAINSCO | $346 | $666 |
| GEICO | $359 | $482 |
| Clearcover | $364 | $510 |
| Direct Auto | $369 | $595 |
| The General | $398 | $657 |
| Infinity | $421 | $778 |
| National General | $451 | $622 |
| AssuranceAmerica | $456 | $729 |
| Safeco | $463 | $582 |
| Nationwide | $528 | $738 |
| Liberty Mutual | $761 | $830 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Read More: The 10 Best and Worst Car Insurance Comparison Sites
Find Car Insurance in Savannah
Unlock discounts and savings when you compare rates through Insurify
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Savannah car insurance quotes by credit tier
Insurance companies use various factors when determining your risk, including your credit history. Several states have outlawed this practice, but most states, including Georgia, still allow insurers to consider your credit and create a credit-based insurance score when assessing risk.[8]
Georgia drivers with excellent or good credit typically pay the lowest rates. On the other hand, drivers with poor credit may pay significantly more in Savannah.
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 Savannah?
In Savannah, car insurance averages $228 per month overall, higher than both the state and national overall averages. Location is an important factor in car insurance rates, as weather events, accident rates, and vehicle crime rates all influence your likelihood of filing a claim.
More cities in Georgia
Car insurance rates can vary from city to city, and even by ZIP codes. Here’s how Savannah’s average monthly rates stack up against other Georgia cities.
City | Liability Only | Full Coverage |
|---|---|---|
| Atlanta | $235 | $320 |
| Augusta | $154 | $230 |
| Columbus | $147 | $230 |
| Gainesville | $150 | $214 |
| Lawrenceville | $207 | $294 |
| Macon | $198 | $287 |
| Marietta | $193 | $273 |
| Woodstock | $175 | $245 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Savannah car insurance FAQs
Finding the best car insurance in Savannah can be challenging. Below, you’ll find answers to some commonly asked questions about car insurance in the Hostess City of the South.
How much is car insurance in Savannah?
On average, Savannah drivers pay $273 for full-coverage car insurance and $183 for liability-only policies. Your exact premium will vary depending on your driving record, your credit history, your age, the insurer you choose, and much more.
What are the cheapest car insurance companies in Savannah?
Progressive is the cheapest insurer in Savannah. Its minimum-coverage policies start at $92 per month. Mile Auto and Auto-Owners are the second- and third-cheapest car insurance companies in Savannah, with liability-only rates as low as $100 and $106, respectively.
What are the best car insurance companies in Savannah?
Auto-Owners is the best car insurance company in Savannah, with an IQ Score of 8.2, an AM Best financial strength rating of A++ (Superior), and low rates. It’s followed closely by State Farm, which has higher average rates, an IQ Score of 9.3, and an AM Best financial strength rating of A++.
Is car insurance cheaper in Savannah?
Car insurance in Savannah is cheaper than in some other cities in Georgia, such as Atlanta and Macon. But it’s more expensive than in many other cities, including Augusta and Columbus.
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 500+ 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
- 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.
Related articles
)
Cheap Car Insurance Quotes in Georgia Starting at $61
October 14, 2025
)
How to Get a Driver’s License in Georgia
October 14, 2025
)
Best Car Insurance in Georgia
October 14, 2025
)
Temporary Car Insurance in Georgia
October 14, 2025
)
Cheap SR-22 Insurance in Georgia
October 14, 2025
)
Rideshare Insurance in Georgia
October 14, 2025
)
Car Insurance Requirements in Georgia
October 14, 2025
)
Car Insurance for High-Risk Drivers in Georgia
October 14, 2025
)
)
)
Best Cheap Car Insurance in Woodstock, GA, From $85
October 14, 2025
)
Cheap Car Insurance in Warner Robins, GA, Starting at $79
October 14, 2025
)
Best Cheap Car Insurance in Valdosta, GA, From $62
October 14, 2025
)
Cheap Car Insurance in Marietta, GA, Starting at $94
October 14, 2025
)
Cheapest Car Insurance Quotes in Macon, GA
October 14, 2025
)
Best Cheap Car Insurance in Lawrenceville, GA, from $101
October 14, 2025
)
Best Cheap Car Insurance in Gainesville, GA, from $74
October 14, 2025
Cheapest Car Insurance Quotes in Dallas, GA,
October 14, 2025
)
Cheapest Car Insurance Quotes in Dalton, Georgia,
October 14, 2025
)
Cheap Car Insurance in Columbus, GA, starting at $76
October 14, 2025
Best Cheap Car Insurance Quotes in Augusta, GA, From $78
October 14, 2025
Cheap Car Insurance in Alpharetta, GA, Starting at $85
October 14, 2025
)
Cheap Car Insurance in Atlanta, Georgia, From $113
October 14, 2025
)
Cheap Car Insurance in Athens, GA, Starting at $71
October 14, 2025
)
Best Cheap Car Insurance in Albany, GA, From $72
October 14, 2025
Sources
- Vision Zero Savannah. "2022 Action Plan."
- Insurance Information Institute. "https://www.iii.org/article/auto-insurance-basics-understanding-your-coverage."
- Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Georgia Department of Driver Services. "Reinstatement FAQs - Driving Under The Influence (DUI) (First Offense) Drivers Age 21 And Over."
- National Highway Traffic Safety Administration. "Older Drivers."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
)
Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.