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
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Melanie Lockert
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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
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Danny Smith
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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
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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 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 July 25, 2024

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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 $219 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners8.5$97$64Liability-only coverage
State Farm9.3$104$69Teen drivers
COUNTRY Financial8.8$106$70Full 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 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.8
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.
8.5/10
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.
$73/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.
$110/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 more driver reviews of Auto-Owners
Paula - July 23, 2024
Verified

Auto Owners Review

They do not offer savings for low mileage!

Angela - July 23, 2024
Verified

The person I spoke with was very helpful and polite, and did her best to get my rate as low as possible.

The person I spoke with was very helpful and polite, and did her best to get my rate as low as possible.

Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
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.
$78/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.
$118/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 more driver reviews of State Farm
Robert - July 25, 2024
Verified

Upsetting

The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.

Matthew - July 25, 2024
Verified

Abandoned by State Farm

It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.

Janet - July 25, 2024
Verified

Too High

I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.

Best insurer for full coverage: COUNTRY Financial

Compare personalized, real-time quotes
User Reviews
3.2
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.
8.8/10
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.
$79/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.
$120/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 more driver reviews of Country Financial
Katlyn - July 15, 2024
Verified

Way too expensive

The rate was increased to $950 every three months. I called twice about getting a lower rate and was told they would call me back. They never did.

Linda - July 15, 2024
Verified

Great Customer Service

I have loved Country Financial, but my rates keep going up. I can get better prices elsewhere.

Brian - July 15, 2024
Verified

Great until complications arose...

Country's coverage was initially satisfactory, but they made it a full-time job to account for what I was covered for. I understand they needed a list of my losses after a home fire. I took 3 days off work to provide them with a list, which totaled over 50k. Then, they required receipts to replace those losses! I had to start buying replacements for the things I lost out of my own pocket. I only managed to purchase 18.6k worth of items and provide the receipts from my own resources. Then I was told, 'Oh, you need to match those receipts to our itemized list of your losses that you paid for?' I don't own a computer anymore and where I'm living now has no internet. How am I supposed to do this? I gave Country a 3-day report of my losses and they had me spending my OWN money to replace my losses! They initially covered me well, which is what I thought I paid for, but this deteriorated from there. Now, I'm not only dealing with over 50k in losses, but I'm also caught up in their replacement receipt scheme for over 15.6k out of my own pocket! Something is wrong and needs to be corrected!
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 $179 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Hugo$65
Auto-Owners$73
State Farm$78
COUNTRY Financial$79
Allstate$85
Mile Auto$86
USAA$91
Progressive$106
Safeco$111
GEICO$126
Mercury$130
Clearcover$137
Elephant$158
Liberty Mutual$158
Direct Auto$159
AssuranceAmerica$161
GAINSCO$176
Midvale Home & Auto$176
National General$184
Nationwide$188
Infinity$231
The General$239
Foremost$286
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: 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 $258 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Auto-Owners$110
State Farm$118
COUNTRY Financial$120
Allstate$129
USAA$138
Mile Auto$145
Safeco$180
Progressive$184
GEICO$191
Mercury$204
Elephant$226
State Auto$247
Clearcover$258
Hugo$259
Midvale Home & Auto$270
AssuranceAmerica$280
Liberty Mutual$285
Nationwide$285
Direct Auto$290
National General$311
Foremost$356
GAINSCO$357
The General$411
Infinity$436
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.

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 $358 for full coverage and $248 for liability only. Read on to learn more about how these events affect rates and where to find affordable prices.

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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 $257 per month for liability-only coverage and $370 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Hugo$65$89
Auto-Owners$73$95
State Farm$78$101
COUNTRY Financial$79$105
Allstate$85$111
Mile Auto$86$119
USAA$91$118
Progressive$106$138
Safeco$111$147
GEICO$126$164
Mercury$130$181
Clearcover$137$181
Elephant$158$226
Liberty Mutual$158$226
Direct Auto$159$208
AssuranceAmerica$161$213
GAINSCO$176$251
Midvale Home & Auto$176$238
National General$184$239
Nationwide$188$247
Infinity$231$314
The General$239$315
Foremost$286$408
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 $392 for full coverage and $272 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Hugo$65$87
Auto-Owners$73$101
State Farm$78$107
COUNTRY Financial$79$113
Allstate$85$118
Mile Auto$86$128
USAA$91$126
Progressive$106$149
Safeco$111$149
GEICO$126$175
Mercury$130$191
Clearcover$137$202
Elephant$158$214
Liberty Mutual$158$237
Direct Auto$159$225
AssuranceAmerica$161$222
GAINSCO$176$235
Midvale Home & Auto$176$257
National General$184$256
Nationwide$188$262
Infinity$231$315
The General$239$337
Foremost$286$430
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 $444 per month for full coverage and $308 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Hugo$65$98
Auto-Owners$73$124
State Farm$78$133
COUNTRY Financial$79$134
Allstate$85$145
Mile Auto$86$132
USAA$91$155
Progressive$106$180
Safeco$111$189
GEICO$126$214
Mercury$130$200
Clearcover$137$233
Elephant$158$269
Liberty Mutual$158$269
Direct Auto$159$271
AssuranceAmerica$161$274
GAINSCO$176$300
Midvale Home & Auto$176$300
National General$184$313
Nationwide$188$320
Infinity$231$393
The General$239$407
Foremost$286$487
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 $137 per month for liability-only coverage and $198 monthly for full coverage. Below are the most affordable insurers for seniors in Savannah, GA.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Hugo$37$146
Auto-Owners$42$64
State Farm$44$66
COUNTRY Financial$45$69
Mile Auto$51$86
Allstate$53$80
Progressive$53$92
USAA$57$86
Safeco$74$120
GEICO$77$117
Mercury$78$122
Clearcover$90$169
AssuranceAmerica$97$168
Direct Auto$97$177
Liberty Mutual$99$179
Nationwide$100$152
Elephant$102$146
Midvale Home & Auto$103$158
National General$117$198
GAINSCO$129$262
Infinity$137$258
The General$162$278
Foremost$177$221
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 $474 per month, while liability-only coverage costs $329 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: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
Hugo$115$457
COUNTRY Financial$118$179
Auto-Owners$127$191
State Farm$134$203
Allstate$151$229
USAA$154$233
Mile Auto$169$285
Progressive$194$336
GEICO$202$306
Safeco$233$377
Mercury$239$375
Elephant$264$378
Clearcover$269$507
Direct Auto$293$535
Liberty Mutual$294$530
AssuranceAmerica$303$526
Midvale Home & Auto$308$472
GAINSCO$316$642
Nationwide$327$495
National General$359$607
The General$391$673
Infinity$429$810
Foremost$515$640
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

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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 $219 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$222$274
Augusta$143$227
Columbus$140$239
Gainesville$139$230
Lawrenceville$175$267
Macon$187$317
Marietta$174$246
Woodstock$163$248
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 $258 for full-coverage car insurance and $179 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 $73 and $78, 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 8.5, 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 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
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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 HalachevVP of Engineering & Data Science
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Konstantin HalachevVP of Engineering & Data Science
  • 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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