Cheapest Car Insurance Quotes in Savannah, GA (2023)

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.

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

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.

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.

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. 

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

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.

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.

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. 

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 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:

• Cheapest Car Insurance in Columbus, Georgia

• Cheapest Car Insurance in Buford, Georgia

• Cheapest Car Insurance in Athens, Georgia

• Cheapest Car Insurance in Atlanta, Georgia

• Cheapest Car Insurance in Augusta, Georgia

Find local Savannah agents

Savannah car insurance rates FAQs