4.8out of 3,000+ reviews

Cheapest Car Insurance Quotes in Savannah, GA (2023)

Mile Auto and Hugo offer the cheapest rates for full-coverage car insurance in Savannah.

Secure. Free. Easy-to-use.
auto insurance

Why you can trust Insurify

As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.
Nick Dauk
Written by
Nick Dauk
Nick Dauk
Written by
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka
Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated December 21, 2022

The average cost of liability-only car insurance in Savannah is $260 per month — $22 less per month than the Georgia state average of $282. Rates also average $344 per month for full-coverage policies in Savannah.

How much does car insurance cost in Savannah?

As you investigate insurance costs around Savannah, you’ll notice that rates can vary widely from insurer to insurer. It’s a good idea to compare multiple rates and policies from different insurers to ensure you’re getting the cheapest car insurance rate that you qualify for.

Insurify data scientists analyzed the latest insurance rates in the city to identify the cheapest quotes in the area. The average cost per month for coverage in the city is $310. However, average monthly rates can range from $142 for an unmarried policyholder to $424 for a policyholder with a DUI on their record. Insurify data also shows: 

  • Mile Auto has the cheapest liability-only coverage in Savannah.

  • Hugo has the cheapest full-coverage insurance in Savannah.

  • Mile Auto has the cheapest insurance for new/young drivers in Savannah.

Read More: Best Car Insurance in Georgia

Cheapest car insurance in Savannah: Mile Auto

The cheapest car insurance in Savannah is Mile Auto’s liability-only policy, which costs an average of $122 per month. For the cheapest full-coverage quotes, look to Hugo, which offers rates as low as $147.

The cheapest car insurance rates in Savannah are based on multiple factors that are unique to the driver, their vehicle, and their driving history. Your location, age, gender, credit history, accident history, and type of coverage are just a few things that insurers consider when setting your policy rate.

Insurance CompanyLiability OnlyFull Coverage
Mile Auto$122$155
Travelers$128$172
National General$153$279
State Auto$154$230
Safeco$165$237
Clearcover$188$208
Progressive$190$166
Hugo$197$147
SafeAuto$197$219
Elephant$197$257
GAINSCO$209$354
Midvale Home & Auto$210$259
Amigo America$219$361
Liberty Mutual$226$284
Mercury$228$289
Arrowhead$251$507
Everest National$259$427
Direct Auto$273$292
AssuranceAmerica$289$316
InsureMax$296$434
Bristol West$308$330
The General$335$425
Infinity$345$550
Freedom National$352$551
Nationwide $175
Foremost Signature $226
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.

Read More: The 10 Best Car Insurance Companies (2022)

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.

How much car insurance do you need in Savannah?

Laws in Georgia mandate that all motor vehicles are covered by insurance. The minimum liability insurance requirements for private passenger vehicles in Savannah are:

  • $25,000 per accident for property damage

  • $25,000 per person/$50,000 per accident for bodily injury coverage

  • $25,000 per person/$50,000 per accident for uninsured motorist bodily injury and $25,000 per accident for uninsured motorist property damage

Georgia is a no-fault state, which means that both parties’ insurance providers will pay for medical expenses, regardless of which driver caused the accident.

All Georgia drivers must carry proof of insurance with them at all times when operating their vehicle. They must present proof of insurance when law enforcement requests it, when renewing vehicle registration, and when the vehicle is involved in an accident.[1]

Georgia DMV information

Drivers in Georgia have two options for accessing DMV services: visiting either the Motor Vehicle Division of the Georgia Department of Revenue or the Department of Driver Services offices. The Motor Vehicle Division performs duties associated with license plates and vehicle registrations, while the Department of Driver Services handles driver’s licenses and permits.

Drivers renewing their license for the first time must do so in person at a Department of Driver Services location, while later renewals can be done online via the DDS 2 GO app. License plate renewals can also be completed online on the Georgia Drives e-service website.[2]

Tips for getting cheap car insurance in Savannah

Finding the cheapest car insurance in Savannah requires diligence. Many insurers offer low policy rates, as well as incentives like discounts. Because each rate is based on factors unique to you, you may be eligible for lower rates by bundling your homeowner’s insurance or qualifying for things like accident-free discounts.

Getting cheap car insurance is one thing, but keeping it is a separate task. Rates may rise annually, discounts may disappear, and your driving record may change your premium rates. That’s why it’s crucial to regularly shop around and compare car insurance quotes. Shopping for quotes on an annual basis could help you find the cheapest car insurance in Savannah at the time.

Read More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Savannah

A driver’s age will also play a role in their car insurance costs. Statistically, teen drivers are more likely to be in nonfatal and fatal accidents compared to drivers ages 20 and older. This higher likelihood contributes to increased premiums for teen drivers.

Age GroupAverage Monthly Rate
Teenagers$589
Under 25$408
25–29$297
30s$256
40s$246
50s$209
60s$206
70s$256
80+$269
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.

Cheapest car insurance for young drivers in Savannah

The cheapest car insurance for a full-coverage policy for young drivers in Savannah is $205 per month through Mile Auto, according to Insurify data. Teens in Georgia have some ways to qualify for lower premiums.

For instance, the Georgia Department of Driver Services notes that state law allows insurance companies to offer reduced auto insurance premiums to customers, like teens, who complete a driver’s education course.

Young drivers or their policyholder parents should also ask if any discounts apply to them, such as:

  • College students temporarily living away from home

  • Driver’s education or defensive driving course completion

  • Student drivers with good grades

  • Low annual mileage

  • Anti-theft devices

The table below shows average full-coverage rates for young drivers in Savannah.

Insurance CompanyAverage Monthly Rate
Mile Auto$205
Clearcover$206
Progressive$212
Travelers$212
Hugo$221
Elephant$256
State Auto$256
SafeAuto$305
Safeco$311
National General$315
Liberty Mutual$319
Mercury$329
Midvale Home & Auto$348
GAINSCO$359
Direct Auto$367
Bristol West$405
AssuranceAmerica$445
Amigo America$474
The General$486
Freedom National$492
InsureMax$498
Arrowhead$517
Infinity$545
Everest National$608
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.

See Also: Best Cheap Car Insurance for Young Adults (2022)

Cheapest car insurance for middle-aged drivers in Savannah

The cheapest car insurance for a full-coverage policy for middle-aged drivers in Savannah is $114 per month through Mile Auto, according to the averages listed below. 

When comparison shopping, middle-aged drivers may be able to lower their premiums if they opt for a higher deductible, have good credit, or bundle home and car insurance with the same provider. Factors like having good credit and a three-year clean driving record may contribute to lower premiums as well. 

Insurance CompanyAverage Monthly Rate
Mile Auto$114
Hugo$147
Progressive$149
National General$161
Travelers$161
Clearcover$170
SafeAuto$176
Elephant$191
State Auto$200
Direct Auto$206
Mercury$208
Safeco$208
Amigo America$212
Liberty Mutual$224
GAINSCO$225
AssuranceAmerica$231
InsureMax$234
Midvale Home & Auto$235
Bristol West$274
Arrowhead$280
Infinity$288
The General$329
Everest National$330
Freedom National$392
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.

Cheapest car insurance for senior drivers in Savannah

The cheapest car insurance for a full-coverage policy for senior drivers in Savannah is $96 per month through Mile Auto, according to Insurify data. When shopping for cheap car insurance in Savannah, senior drivers should check if they can qualify for any discounts, such as:

  • Loyalty discounts

  • Car and home insurance bundling discount

  • Safe driving discounts

  • Multi-car discounts

Insurance CompanyAverage Monthly Rate
Mile Auto$96
Progressive$114
Elephant$158
Travelers$164
Safeco$177
GAINSCO$179
Direct Auto$184
Mercury$189
Foremost Signature$196
AssuranceAmerica$202
Liberty Mutual$203
Midvale Home & Auto$203
Amigo America$210
Clearcover$212
InsureMax$213
Bristol West$221
Arrowhead$250
The General$303
Infinity$332
Everest National$354
Freedom National$407
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.

How credit scores affect cheap car insurance in Savannah

In most states, including Georgia, insurers use your credit score to help determine your policy rates. Credit scoring takes into account your entire credit history, which means your credit score could have an influence on your rate.[3]

When looking at the FICO model, credit scores from 300 to 579 are considered poor, 580 to 669 is fair, 670 to 739 is good, 740 to 799 is very good, and more than 799 is excellent credit. The following table lists the average monthly quotes for full-coverage car insurance in Georgia based on credit tier.

Credit TierAverage Monthly Quote
Excellent$291
Good$283
Fair$299
Poor$301
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.

Read More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Savannah

While accidents weigh heavily into your insurance premium rates, they aren’t the only incidents that affect your costs. A poor driving history, such as prior traffic violations and accidents, as well as poor driving habits, like speeding or driving under the influence, can all impact your rates.

Cheapest car insurance with an accident in Savannah: Nationwide

For instance, drivers with clean records who have an Acuity insurance policy pay an average of $157 for their coverage. But with an at-fault accident, the rates increase to an average of $359. The table below illustrates how rates from different insurers increase based on an accident on your record.

Car Insurance CompanyClean RecordWith AccidentDifference
Nationwide$176$134-$42
Mile Auto$137$225+$88
Hugo$177$226+$49
Safeco$204$252+$48
Elephant$197$272+$75
Liberty Mutual$232$277+$45
State Auto$193$295+$102
Foremost Signature$199$299+$100
Clearcover$170$305+$135
Progressive$146$307+$161
SafeAuto$223$326+$103
GAINSCO$255$343+$88
Amigo America$329$354+$25
Acuity$157$359+$202
National General$182$364+$182
Mercury$221$373+$152
Bristol West$285$390+$105
Midvale Home & Auto$224$391+$167
Direct Auto$242$396+$154
AssuranceAmerica$274$422+$148
InsureMax$301$450+$149
Infinity$365$461+$96
Everest National$389$481+$92
Arrowhead$343$507+$164
Freedom National$387$517+$130
The General$350$530+$180
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.

Cheapest car insurance with a DUI in Savannah: InsureMax

Driving under the influence (DUI) can critically impact your car insurance rates. Insurance companies may see this behavior as risky and choose to not insure you altogether, or insure you with high premiums to cover the risk. If you have a DUI on your record, you should shop carefully for car insurance to pay the lowest rates possible for the coverage you need. 

For Savannah drivers with a DUI, the cheapest car insurance is with InsureMax, at an average of $281 a month. 

Car Insurance CompanyClean RecordWith DUIDifference
Bristol West$285$307+$22
InsureMax$301$281-$20
Infinity$365$424+$59
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.

Cheapest car insurance with a speeding ticket in Savannah: Mile Auto

Insurance companies may also consider speeding as risky driving behavior and increase your premiums to cover the risk. Speeding tickets on your record can affect your premiums and make it difficult to find the cheapest car insurance in Savannah. However, Mile Auto has the cheapest car insurance premiums for drivers with a speeding ticket, at an average of $223 a month. 

Car Insurance CompanyClean RecordWith Speeding TicketDifference
Mile Auto$137$223+$86
Clearcover$170$247+$77
Elephant$197$258+$61
Liberty Mutual$232$290+$58
GAINSCO$255$311+$56
AssuranceAmerica$274$338+$64
Amigo America$329$343+$14
Mercury$221$346+$125
Midvale Home & Auto$224$372+$148
Direct Auto$242$372+$130
Bristol West$285$375+$90
InsureMax$301$422+$121
Arrowhead$343$472+$129
Infinity$365$500+$135
Freedom National$387$528+$141
Everest National$389$539+$150
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.

Car insurance in other Georgia cities

Auto insurance rates can vary widely based on geography, even within the same state. Here are some car insurance rates in different Georgia cities:

Find local Savannah agents

  • Wilson Insurance and Financial Planning Inc.

    7505 Waters Avenue,
    Savannah, GA 31406
  • Savannah Insurance Advisors

    6001 Chatham Center Drive,
    Savannah, GA 31405-1351
  • R M Bush & Company, Inc.

    340 Eisenhower Dr Building 300,
    Savannah, GA 31406-2600
  • Sterling Seacrest Partners

    1001 Whitaker Street,
    Savannah, GA 31401
  • Carter Thompson Inc.

    9100 White Bluff Rd,
    Savannah, GA 31406
  • BB&T Insurance Services - Savannah

    1020 Drayton St.,
    Ste. 200, Savannah, GA 31401
  • Corish & Company, Inc.

    6811 Waters Ave,
    Savannah, GA 31406-2719
  • Morris and Templeton Insurance Agency, Inc.

    7180 Hodgson Memorial Dr,
    Savannah, GA 31406-2532
  • Bernard Williams and Company

    6001 Chatham Ctr Dr.,
    Savannah, GA 31405-1351
  • McGriff Insurance Services - Savannah branch on Victory Drive

    2280 E. Victory Dr.,
    Savannah, GA 31404
View more

Savannah car insurance rates FAQs

To help you find the best rate on car insurance in Savannah, Georgia, consider these frequently asked questions.

  • The average monthly cost for car insurance in Savannah is $274, with the average liability-only policies costing $228 and the average full-coverage policies costing $319. The average rate for car insurance throughout the state of Georgia is $282, which means Savannah is slightly less expensive on average.

  • The average rate of car insurance in Georgia per month is $282. The national average for car insurance rates is $231 per month, based on Insurify data.

    According to Insurify research, Georgia had the fifth-highest percentage of drivers with an at-fault accident on record at 10.6%. That’s higher than the national average of 8.8%. The IIHS cited Georgia as having a 15.5 rate for road deaths per 100,000 population, which puts it at 38th for most fatalities across the nation.[4]

    These and other factors may be reasons why rates for car insurance in Georgia are higher than the national average.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Georgia Department of Revenue. "Insurance Card Requirement." Accessed December 15, 2022
  2. Georgia Department of Driver Services. "Manage it all online." Accessed December 15, 2022
  3. Insurance Information Institute. "Background on: Credit scoring." Accessed December 15, 2022
  4. Insurance Institute for Highway Safety. "Fatality Facts 2020." Accessed December 15, 2022
Nick Dauk
Written by
Nick Dauk
Linkedin

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.