Cheapest Auto Insurance in Savannah, Georgia (2024)

Savannah drivers can find the cheapest rates with Hugo, which offers minimum-coverage policies starting at $65 per month.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie 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.”

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Danny Smith
Edited byDanny Smith
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Danny 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.

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Daniel Roccato
Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 May 23, 2024

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Cheapest recent rates near Savannah, Georgia

Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $68/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 May 23, 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 23, 2024. 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 May 23, 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 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $226 per month, according to Insurify data. That’s higher than the state average of $193 and the national average of $160.

But you may be able to find cheaper rates in Savannah by comparing quotes from multiple insurers.

Quick Facts
  • Hugo, Auto-Owners, and State Farm 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 CompanyIQ 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 CoverageLiability OnlyBest For
Auto-Owners4.3$97$65Liability-only coverage
State Farm4.6$104$70Teen drivers
COUNTRY Financial4.5$105$71Full coverage
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.
  • 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.

Best insurer for liability-only coverage: Auto-Owners

Compare personalized, real-time quotes
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.
4.3
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.
$76/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.
$113/mo

Headquartered in Lansing, Michigan, Auto-Owners is one of the nation’s largest insurers, serving nearly 3 million policyholders in 26 states. The company launched in 1916, and today sells car, home, life, and commercial insurance policies. A.M. Best gives Auto-Owners a financial strength and credit rating of A++, and the company has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Consumer Complaint Index. J.D. Power gives the company high marks for claims satisfaction. Auto-Owners offers several discounts, including ones for having multiple policies with the insurer, and for 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

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
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.
4.6
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.
$82/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.
$121/mo

State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.

Pros
  • Multiple discounts, including many for teen drivers

  • Bundling options

Cons
  • No gap coverage available

  • Potentially high premiums for drivers with poor credit

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for full coverage: COUNTRY Financial

Compare personalized, real-time quotes
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.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
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.
$83/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.
$123/mo

COUNTRY Financial launched in Illinois in 1925, and today offers auto, home, life and other types of insurance products. A.M. Best gives the company an A+ rating for financial stability and credit strength. The company has a much lower-than-expected number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index. COUNTRY Financial offers liability and full-coverage car insurance, as well as home, life and disability. Policyholders can save money with multiple discounts from COUNTRY, including discounts for multiple policies, multiple cars, legacy (unmarried children of policy holders), engaged couples, and certain occupations.

Pros
  • Multiple discounts available

  • Offers roadside assistance coverage

Cons
  • 2.8 stars (out of 5) on Trustpilot

  • Complaints about claims handling

Read our Country Financial review
Margaret - April 2, 2024
Verified

Poor

They constantly raise your rates.

Margaret - March 26, 2024
Verified

Fair

Every year, they raise my car or home insurance. I'm looking for a better deal.

Megan - May 27, 2023
Verified

Excellent

Philip is personable and overall makes dealing with insurance and claims easier.
Check Out: The 10 Best Car Insurance Companies

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: Hugo

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 $181 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
Hugo65
Auto-Owners76
State Farm82
COUNTRY Financial83
Allstate90
Mile Auto90
USAA96
Progressive110
Safeco114
State Auto116
Mercury130
GEICO132
Clearcover140
National General155
Elephant161
Liberty Mutual161
Direct Auto162
AssuranceAmerica164
GAINSCO178
Midvale Home & Auto182
Nationwide197
Infinity234
The General245
Foremost291
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.

Find Car Insurance in Savannah

Minimum-coverage policies start at $65/mo.

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Cheapest full-coverage car insurance in Savannah: Hugo

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 $271 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
Hugo104
Auto-Owners113
State Farm121
COUNTRY Financial123
Allstate133
USAA142
Mile Auto147
Safeco184
Progressive185
GEICO197
Mercury209
Elephant226
State Auto249
Clearcover257
Midvale Home & Auto273
AssuranceAmerica282
Liberty Mutual285
Nationwide294
Direct Auto306
National General320
Foremost356
GAINSCO363
The General418
Infinity431
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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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.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    • $25,000 per person

    • $50,000 per incident

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Property damage liability

    • $25,000 per incident

For further protection, drivers in Savannah should consider the following coverages:

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 $378 for full coverage and $253 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 $86/mo. for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket: Hugo

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 $263 per month for liability-only coverage and $393 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Speeding Ticket
Hugo6590
Auto-Owners7699
State Farm82106
COUNTRY Financial83111
Allstate90117
Mile Auto90126
USAA96125
Progressive110144
Safeco114151
State Auto116165
Mercury130182
GEICO132173
Clearcover140185
National General155223
Elephant161232
Liberty Mutual161232
Direct Auto162214
AssuranceAmerica164219
GAINSCO178256
Midvale Home & Auto182246
Nationwide197260
Infinity234318
The General245324
Foremost291419
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

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 $411 for full coverage and $275 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Accident
Hugo6587
Auto-Owners76104
State Farm82112
COUNTRY Financial83118
Allstate90124
Mile Auto90135
USAA96132
Progressive110154
Safeco114152
State Auto116176
Mercury130190
GEICO132182
Clearcover140204
National General155212
Elephant161218
Liberty Mutual161241
Direct Auto162228
AssuranceAmerica164226
GAINSCO178237
Midvale Home & Auto182264
Nationwide197273
Infinity234318
The General245344
Foremost291436
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

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 $465 per month for full coverage and $311 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith DUI
Hugo65110
Auto-Owners76129
State Farm82139
COUNTRY Financial83141
Allstate90153
Mile Auto90139
USAA96163
Progressive110187
Safeco114194
State Auto116197
Mercury130200
GEICO132224
Clearcover140238
National General155263
Elephant161273
Liberty Mutual161273
Direct Auto162275
AssuranceAmerica164279
GAINSCO178302
Midvale Home & Auto182309
Nationwide197335
Infinity234397
The General245416
Foremost291494
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

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 $140 per month for liability-only coverage and $209 monthly for full coverage. Below are the most affordable insurers for seniors in Savannah, GA.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
Hugo3759
Auto-Owners4466
State Farm4567
COUNTRY Financial4770
Mile Auto5489
Allstate5581
Progressive5593
USAA5987
State Auto69148
Safeco74119
Mercury76122
GEICO80119
Clearcover91166
Liberty Mutual97172
AssuranceAmerica99170
Direct Auto99186
Elephant101142
Midvale Home & Auto104156
Nationwide104155
National General107220
GAINSCO127258
Infinity138255
The General168287
Foremost180220
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

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 $488 per month, while liability-only coverage costs $326 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: Thursday, May 23 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
Hugo113181
COUNTRY Financial122181
Auto-Owners131194
State Farm139205
Allstate157232
USAA159236
Mile Auto174284
Progressive199334
State Auto205441
GEICO208310
Mercury236380
Safeco238385
Elephant266373
Clearcover272499
National General289596
Direct Auto295558
Liberty Mutual299530
AssuranceAmerica304523
Midvale Home & Auto317475
GAINSCO318649
Nationwide336502
The General397677
Infinity428789
Foremost515630
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.
Read More: The 10 Best and Worst Car Insurance Comparison Sites

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

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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 $226 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.

CityLiability OnlyFull Coverage
Atlanta$216$270
Augusta$144$235
Columbus$140$237
Gainesville$135$241
Lawrenceville$173$266
Macon$187$318
Marietta$167$241
Woodstock$159$238
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.

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 $271 for full-coverage car insurance and $181 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?

    Hugo is the cheapest insurer in Savannah. Its minimum-coverage policies start at $65 per month. Auto-Owners and State Farm are the second- and third-cheapest car insurance companies in Savannah, with liability-only rates as low as $76 and $82, 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 4.3, 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 4.6, 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 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.

Sources

  1. Vision Zero Savannah. "2022 Action Plan."
  2. Insurance Information Institute. "https://www.iii.org/article/auto-insurance-basics-understanding-your-coverage."
  3. Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
  4. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  5. Georgia Department of Driver Services. "Reinstatement FAQs - Driving Under The Influence (DUI) (First Offense) Drivers Age 21 And Over."
  6. National Highway Traffic Safety Administration. "Older Drivers."
  7. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  8. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
Melanie Lockert
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.

Danny Smith
Edited byDanny Smith
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Danny 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.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
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Daniel RoccatoAdvisor
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 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.

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