120+ more*Quotes generated for Insurify users in and around Savannah, Georgia within the last 10 days. Last updated on May 13, 2026. 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 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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AFCPE Accredited Financial Counselor
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Licensed property and casualty insurance agent
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Auto-Owners is the cheapest overall insurer in Savannah.
Car insurance rates in Savannah are higher than the Georgia state average of $209 per month.
More than 7,000 car crashes occurred in Savannah in 2024.
On average, Savannah drivers pay $173 per month for state-minimum insurance coverage and $287 per month for full coverage.
Smaller Georgia towns — such as Pooler, just northwest of Savannah — generally have cheaper car insurance, with rates averaging $207 per month. Larger metros like Atlanta have higher average rates, at $285 per month.
Many Savannah drivers (66%) own their vehicles outright, while 34% lease or finance their vehicles. This means their lender likely requires them to carry full-coverage insurance.
Savannah car insurance rates exceed the Georgia state average of $157 per month for liability-only coverage and $261 per month for full coverage. Savannah’s coastal hurricane risk and the common heavy rainfall that leads to road flooding affect car insurance rates in the city.
The following table shows how car insurance rates in Savannah compare to the rest of Georgia.
Car Insurance Costs in Savannah vs. Georgia  | Average Monthly Quote |
|---|---|
| Savannah average | $230 |
| Georgia average | $209 |
The cheapest car insurance company for liability-only coverage in Savannah is Auto-Owners, with rates averaging $80 per month.
The cheapest insurer for full coverage is Auto-Owners, with monthly rates of $146.
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Savannah is a beautiful, lively city filled with history and culture. Whether you’re a local or on vacation, there are some things you should know about driving in the area.
In 2024, more than 7,000 car crashes occurred in Savannah, resulting in more than 2,000 injuries and 14 fatalities.[1] In particular, the intersection between Abercorn Street and White Bluff Road outside of the Oglethorpe Mall sees many crashes.
Savannah is in Georgia’s coastal region, making it vulnerable to flooding during heavy rainfall and hurricanes, particularly in low-elevation areas. Downtown and Midtown Savannah tend to see the most flooding, according to city data.[2]
Tourism also contributes to traffic and congestion in Savannah. In 2023, more than 17 million people visited the Savannah and Chatham County areas. Congestion can intensify during Savannah Bananas games at Grayson Stadium, where off-site parking is extremely limited.
In the first half of 2025, Chatham County recorded 294 stolen vehicles, according to Insurify data, representing a 40% decline over the previous year’s numbers.
In the same time period in 2024, the county reported 494 stolen vehicles. Though vehicle thefts in Savannah are dropping, insurers consider local theft rates when setting prices.
Car insurance costs in Savannah fall somewhere in the middle compared to other areas in Georgia. For example, drivers in Atlanta pay more than Savannah drivers, with an average cost of $285 per month.
Interestingly, Augusta, which has a larger population than Savannah, has lower average premiums than Savannah. Augusta drivers pay $194 per month, on average, while Savannah drivers pay $230 per month.
Car insurance in Savannah might be more expensive than in other cities in Georgia due to its flood risk from being on the coast and its high accident rate.
Some of the cheapest auto insurance rates in Georgia can be found in La Fayette, Ellijay, Chatsworth, and Hartwell.
The following table shows average car insurance rates in several Georgia cities.
City | Average Monthly Quote |
|---|---|
| Albany | $191 |
| Alpharetta | $211 |
| Athens | $178 |
| Atlanta | $285 |
| Augusta | $194 |
| Columbus | $190 |
| Dallas | $236 |
| Dalton | $147 |
| Gainesville | $194 |
| Lawrenceville | $251 |
| Macon | $241 |
| Marietta | $234 |
| Savannah | $230 |
| Valdosta | $148 |
| Warner-Robins | $197 |
| Woodstock | $208 |
Traffic and congestion patterns in Savannah affect local insurance costs. Traffic in Savannah tends to be concentrated along a few key corridors, such as Highway 204, Interstate 95, I-16, and Route 80. These roads carry a high volume of daily traffic, and because the city has limited alternate routes, even minor incidents can lead to backups.
Congestion is most noticeable during rush hour and during peak tourism season, as people visit Savannah and its surrounding islands. Savannah ranks No. 67 in the country for congestion.
Freight traffic from the Port of Savannah also contributes to local traffic congestion. As a result, Savannah drivers often experience stop-and-go conditions and occasional bottlenecks, particularly near major interchanges and bridges.
Savannah’s above-average car insurance costs might be driven by a combination of factors, including its coastal location, large number of tourists, and population density.
Heavy rainfall and coastal flooding often cause damage to cars, which full coverage would pay for. Savannah is also a tourist destination that sees millions of new drivers every year, which can increase the level of accidents and overall congestion.
Similarly, its high population density also leads to accidents and congestion, with almost 4.5% of Savannah drivers having an accident on their record, according to Insurify data.
The average liability-only car insurance policy in Savannah is $173 per month, which is higher than the state average of $157 per month. But you may find cheaper coverage with Auto-Owners or State Farm.
Georgia car insurance requirements include bodily injury liability coverage of $25,000 per person and $50,000 per accident. It also requires $25,000 property damage liability coverage.[3]
The following table shows the cheapest liability insurance rates in Savannah.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $80 |
| State Farm | $86 |
| Country Financial | $88 |
| Allstate | $95 |
| Mile Auto | $97 |
| USAA | $100 |
| Progressive | $124 |
| Mercury | $135 |
| Root | $160 |
| Bristol West | $162 |
| GEICO | $163 |
| GAINSCO | $167 |
| Clearcover | $168 |
| Direct Auto | $171 |
| The General | $183 |
| AssuranceAmerica | $185 |
| National General | $193 |
| Safeco | $196 |
| Trexis One | $196 |
| Mendota | $202 |
| Nationwide | $208 |
| First Acceptance | $211 |
| Trexis | $216 |
| Liberty Mutual | $348 |
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For peace of mind, Savannah drivers may want to purchase full-coverage auto insurance if they live in a flood-prone area of the city. Plus, 31% of Savannah drivers have a loan on their car, and their lender may require them to carry full coverage.
The cheapest insurer for full-coverage car insurance in Savannah is Auto-Owners, which has monthly premiums starting at $146.
The following table shows the cheapest rates for full-coverage auto insurance in Savannah.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $146 |
| State Farm | $156 |
| Country Financial | $158 |
| Mile Auto | $167 |
| Allstate | $172 |
| USAA | $183 |
| Mercury | $231 |
| Root | $243 |
| Progressive | $248 |
| Safeco | $260 |
| Direct Auto | $296 |
| National General | $300 |
| AssuranceAmerica | $305 |
| Clearcover | $305 |
| GEICO | $308 |
| Bristol West | $322 |
| GAINSCO | $343 |
| Mendota | $368 |
| Trexis One | $374 |
| Nationwide | $379 |
| The General | $385 |
| Trexis | $407 |
| First Acceptance | $410 |
| Liberty Mutual | $417 |
*Quotes generated for Insurify users in and around Savannah, Georgia within the last 10 days. Last updated on May 13, 2026. 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 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Of all Savannah drivers, 5.09% have a ticket, according to Insurify data. Super speeders — defined as drivers ticketed for speeding over 75 mph on a two-lane road or over 85 mph on a highway — will have an extra $200 added to their speeding tickets in Georgia.[4]
Some of the cheapest insurers in Savannah for drivers with a ticket are Auto-Owners and State Farm.
The following table shows cheap Savannah car insurance for drivers with a ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $105 |
| State Farm | $109 |
| Mile Auto | $118 |
| Country Financial | $120 |
| Allstate | $124 |
| USAA | $129 |
| Progressive | $156 |
| Mercury | $187 |
| GAINSCO | $200 |
| Bristol West | $205 |
| Root | $214 |
| GEICO | $214 |
| Clearcover | $215 |
| Direct Auto | $215 |
| AssuranceAmerica | $236 |
| National General | $241 |
| The General | $246 |
| Trexis One | $247 |
| Mendota | $254 |
| Safeco | $258 |
| First Acceptance | $265 |
| Nationwide | $270 |
| Trexis | $272 |
| Liberty Mutual | $444 |
In Savannah, 4.5% of drivers have a car accident on their driving record, according to Insurify data.
In Georgia, after certain violations, like at-fault accidents, the state adds points to your license. Georgia’s point system ranges from two to six points, depending on the type of conviction. For example, reckless driving adds four points to your record.[5]
Drivers with an accident in Savannah pay an average of $238 per month for liability policies.
The table below shows the cheapest rates for drivers with an at-fault accident in Savannah.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $108 |
| State Farm | $117 |
| Country Financial | $123 |
| Allstate | $130 |
| Mile Auto | $134 |
| USAA | $137 |
| Progressive | $171 |
| Mercury | $206 |
| Bristol West | $218 |
| GAINSCO | $219 |
| GEICO | $219 |
| Root | $220 |
| Direct Auto | $238 |
| Clearcover | $245 |
| AssuranceAmerica | $251 |
| The General | $257 |
| National General | $263 |
| Trexis One | $270 |
| Mendota | $278 |
| Safeco | $278 |
| Nationwide | $286 |
| First Acceptance | $291 |
| Trexis | $297 |
| Liberty Mutual | $472 |
In Savannah, Insurify data shows that 0.51% of drivers have had a DUI, which is lower than in Atlanta (0.86%).
If you get a driving under the influence (DUI) conviction in Georgia, the state will suspend your license for 12 months, provided it’s your first offense in five years.[6]
The cheapest insurers for drivers with a DUI in Savannah include Auto-Owners and State Farm.
The table below shows the cheapest rates for drivers with a DUI in Savannah.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $106 |
| Country Financial | $114 |
| State Farm | $114 |
| Allstate | $126 |
| Mile Auto | $129 |
| USAA | $133 |
| Progressive | $151 |
| Mercury | $191 |
| Root | $214 |
| GEICO | $214 |
| Bristol West | $215 |
| GAINSCO | $222 |
| Clearcover | $223 |
| Direct Auto | $227 |
| The General | $234 |
| Trexis One | $238 |
| Mendota | $245 |
| AssuranceAmerica | $246 |
| National General | $256 |
| First Acceptance | $256 |
| Trexis | $262 |
| Nationwide | $276 |
| Safeco | $277 |
| Liberty Mutual | $462 |
Monthly rates start at $102 for drivers with an incident
Georgia teens can start the license process at age 15 and apply for a provisional license at 16. Driving restrictions in the Peach State last until age 18 because younger drivers are more likely to engage in reckless driving.[7]
Drivers between the ages of 15 and 24 were in more than 2,000 crashes in Savannah in 2024, resulting in more than 700 injuries.
Teen drivers in Savannah pay monthly averages of $300 for liability policies and $498 for full-coverage policies.
The following table shows the cheapest rates for teen drivers in Savannah.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Country Financial | $138 |
| Auto-Owners | $160 |
| State Farm | $164 |
| USAA | $181 |
| Allstate | $184 |
| Mile Auto | $196 |
| Progressive | $215 |
| Mercury | $242 |
| Clearcover | $269 |
| Root | $272 |
| Bristol West | $281 |
| GEICO | $288 |
| GAINSCO | $291 |
| The General | $322 |
| Direct Auto | $325 |
| Trexis One | $340 |
| Mendota | $351 |
| First Acceptance | $366 |
| Trexis | $375 |
| AssuranceAmerica | $376 |
| National General | $378 |
| Safeco | $390 |
| Nationwide | $398 |
| Liberty Mutual | $596 |
With many retirement communities and multiple beautiful golf courses around the city, Savannah is a great place for seniors to live. Plus, senior drivers often receive the lowest rates, at an average of $207 per month. But drivers between the ages of 65 and 74 were in more than 900 car crashes in Savannah in 2024, resulting in over 300 injuries.
The cheapest insurer for senior drivers in Savannah is Auto-Owners, and you can see other cheap car insurance rates for Savannah senior drivers in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $65 |
| State Farm | $69 |
| Country Financial | $71 |
| Mile Auto | $78 |
| Allstate | $79 |
| USAA | $83 |
| Mercury | $110 |
| Progressive | $111 |
| GEICO | $132 |
| Root | $137 |
| Bristol West | $138 |
| Direct Auto | $143 |
| GAINSCO | $146 |
| AssuranceAmerica | $148 |
| Clearcover | $152 |
| National General | $155 |
| The General | $159 |
| Nationwide | $163 |
| Safeco | $175 |
| Trexis One | $176 |
| Mendota | $182 |
| First Acceptance | $190 |
| Trexis | $194 |
| Liberty Mutual | $295 |
Explore answers to frequently asked questions about Savannah car insurance below.
Savannah drivers pay $230 per month for car insurance, on average. Liability coverage averages $173 per month, and full-coverage policies average $287 per month.
Auto-Owners offers the cheapest car insurance in Savannah, with liability rates averaging $80 per month.
Yes. Car insurance costs in Savannah are more expensive than in many other parts of the state. Drivers in Savannah pay $230 per month for a car insurance policy, compared to the Georgia monthly average of $209.
Progressive offers cheaper car insurance than GEICO in Savannah. For liability coverage, Progressive charges an average of $109 per month in Georgia, while GEICO charges $148 per month.
Various factors can affect your car insurance rate in Savannah, including your driving record, coverage choices, age, and ZIP code. Savannah’s high level of car accidents, its coastal location and flooding risk, high tourist season, and population density also affect your rates.
Savannah drivers can lower their car insurance rates by raising their deductibles or consulting an insurance agent to see if they qualify for insurance discounts.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
30+ years in financial services
Clinical Professor of Finance, University of San Diego
7+ years experience in data analysis
Ph.D. in Computational Biology
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