Cheapest Auto Insurance in Savannah, Georgia (2026)
Savannah drivers can find the cheapest rates with Auto-Owners, which offers minimum-coverage policies starting at $91 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byMelanie Lockert
)
Melanie LockertInsurance, Personal Finance Writer
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Featured in
){kind=logo}
){kind=small}
){kind=logo}
){kind=small}
)
Edited byDanny Smith
)
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
){kind=small}
)
Reviewed byDaniel Roccato
)
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
)
Data reviewed byKonstantin Halachev
)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
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 $225 per month, according to Insurify data. That’s higher than the state average of $209 and the national average of $142.
But you may be able to find cheaper rates in Savannah by comparing quotes from multiple insurers.
Quick Facts
Auto-Owners, State Farm, and COUNTRY Financial 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 Company  | 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $133 | $73 | Liability-only coverage |
| State Farm | 9.3 | $143 | $79 | Teen drivers |
| COUNTRY Financial | N/A | $145 | $80 | Full coverage |
Disclaimer: Table data is based on real-time Savannah quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 55,000 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
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $91/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. | $155/mo |
4.3
Best choiceBased on 331 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++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
Best insurer for teen drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | $97/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. | $166/mo |
4.0
Best choiceBased on 17,376 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 Georgia reviews for Savannah driversSee all 7,440 State Farm reviews
Verified Review
Reviewed in Georgia on April 24, 2026
State Farm is expensive for what they offer. For my 1966 truck, they wanted more per month than for my 2015 Ford Escape. I found a better deal for a year than their one-month premium.
Verified Review
Reviewed in Georgia on April 23, 2026
Pricey but great customer service and easy claims.
Verified Review
Reviewed in Georgia on April 23, 2026
Don't use State Farm as they charge high rates for senior citizens and disabled veterans.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Pros
Multiple discounts, including many for teen drivers
Bundling options
Cons
No gap coverage available
Potentially high premiums for drivers with poor credit
Best insurer for full coverage: COUNTRY Financial
| User Reviews | 4.0 |
|---|---|
| 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. | 9.1 /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. | $98/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. | $168/mo |
4.0
Best choiceBased on 67 verified driver reviews and ratings
Country Financial's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.2 | 2.9 |
How drivers feel about Country Financial
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 35 Country Financial reviews
Verified Review
Reviewed in Colorado on February 23, 2026
For years, they were the best we could find, then the rates skyrocketed from $800/month to $1800/month. Typical greedy insurance.
Verified Review
Reviewed in Nevada on October 28, 2025
It's good insurance, but I'm over 55, own my vehicle, and have been with them for many years, yet my policy has never gone down. It just steadily rises. I even drive less than 20 miles a day. It seems like you pay and pay and pay, and I never get anything out of it. Like with most insurance companies, you may never use it, and you've paid all this money. It's frustrating paying for something you don't get anything out of.
Verified Review
Reviewed in Illinois on October 25, 2025
The experience has been good; the exception is the constant percentage increases. They are pricing me out of their services because I can purchase comparable coverage for less (and we are “bundled” with autos, home, and liability). I believe I will be changing my auto insurance as I find comparable coverage for $230/6 months for less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Pros
Multiple discounts available
Offers roadside assistance coverage
Cons
2.8 stars (out of 5) on Trustpilot
Complaints about claims handling
)
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: Auto-Owners
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 $175 per month in Savannah. Here are the cheapest options for liability-only car insurance in Savannah, GA.
The below rates in Savannah, GA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $91 |
| State Farm | $97 |
| COUNTRY Financial | $98 |
| Allstate | $106 |
| Mile Auto | $107 |
| USAA | $114 |
| Progressive | $140 |
| Mercury | $152 |
| Root | $175 |
| Bristol West | $183 |
| GEICO | $183 |
| GAINSCO | $187 |
| Clearcover | $190 |
| Direct Auto | $191 |
| The General | $208 |
| AssuranceAmerica | $210 |
| National General | $216 |
| Safeco | $220 |
| Trexis One | $221 |
| Mendota | $225 |
| Nationwide | $235 |
| First Acceptance | $237 |
| Trexis | $241 |
| Liberty Mutual | $390 |
Disclaimer: Table data sourced from real-time Savannah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Savannah may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Savannah
Minimum-coverage policies start at $91/mo.
Excellent
4.7 out of 5 based on 13,775 reviews
Secure. Free. Easy-to-use.
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 $275 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 in Savannah, GA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $155 |
| State Farm | $166 |
| COUNTRY Financial | $168 |
| Mile Auto | $171 |
| Allstate | $181 |
| USAA | $194 |
| Mercury | $240 |
| Root | $248 |
| Progressive | $251 |
| Safeco | $271 |
| Direct Auto | $308 |
| National General | $312 |
| Clearcover | $321 |
| GEICO | $325 |
| AssuranceAmerica | $328 |
| Bristol West | $342 |
| GAINSCO | $357 |
| Mendota | $382 |
| Trexis One | $392 |
| Nationwide | $401 |
| The General | $404 |
| Trexis | $425 |
| First Acceptance | $429 |
| Liberty Mutual | $439 |
Disclaimer: Table data sourced from real-time Savannah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Savannah may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Savannah, Georgia drivers
Recent Savannah, Georgia car insurance prices for Honda, Nissan, Chevrolet, and more.
*Quotes generated for Insurify users in and around Savannah, Georgia within the last 10 days. Last updated on April 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 23, 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 April 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 23, 2026. 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.
$25,000 per person
$50,000 per incident
$25,000 per incident
Bodily injury liability
Property damage liability
For further protection, drivers in Savannah should consider the following coverages:
Collision coverage
Collision insurance covers costs for collisions with vehicles and other objects.
Comprehensive coverage
Comprehensive insurance covers costs of vehicle damage from theft, vandalism, fire, or debris damaging the windshield.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for costs if the other party in an accident is uninsured or underinsured.
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 $336 for full coverage and $214 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 $116/mo. for drivers with incidents on their records
Excellent
4.7 out of 5 based on 13,775 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
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 $220 per month for liability-only coverage and $346 for full coverage. Below are the cheapest places to get insurance in Savannah after a speeding ticket.
The below rates in Savannah, GA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $91 | $119 |
| State Farm | $97 | $123 |
| Mile Auto | $107 | $131 |
| COUNTRY Financial | $98 | $133 |
| Allstate | $106 | $138 |
| USAA | $114 | $148 |
| Progressive | $140 | $176 |
| Mercury | $152 | $211 |
| GAINSCO | $187 | $224 |
| Bristol West | $183 | $232 |
| Root | $175 | $234 |
| GEICO | $183 | $240 |
| Direct Auto | $191 | $241 |
| Clearcover | $190 | $243 |
| AssuranceAmerica | $210 | $268 |
| National General | $216 | $270 |
| Trexis One | $221 | $278 |
| The General | $208 | $279 |
| Mendota | $225 | $283 |
| Safeco | $220 | $290 |
| First Acceptance | $237 | $298 |
| Trexis | $241 | $303 |
| Nationwide | $235 | $306 |
| Liberty Mutual | $390 | $497 |
Disclaimer: Table data sourced from real-time Savannah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Savannah may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
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 $380 for full coverage and $242 for liability-only policies. Here are the top insurance companies in Savannah to consider if you’ve been in an accident.
The below rates in Savannah, GA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $91 | $123 |
| State Farm | $97 | $131 |
| COUNTRY Financial | $98 | $137 |
| Allstate | $106 | $145 |
| Mile Auto | $107 | $148 |
| USAA | $114 | $157 |
| Progressive | $140 | $193 |
| Mercury | $152 | $232 |
| Root | $175 | $240 |
| GAINSCO | $187 | $245 |
| GEICO | $183 | $246 |
| Bristol West | $183 | $247 |
| Direct Auto | $191 | $266 |
| Clearcover | $190 | $278 |
| AssuranceAmerica | $210 | $285 |
| The General | $208 | $293 |
| National General | $216 | $294 |
| Trexis One | $221 | $305 |
| Mendota | $225 | $311 |
| Safeco | $220 | $313 |
| Nationwide | $235 | $324 |
| First Acceptance | $237 | $327 |
| Trexis | $241 | $333 |
| Liberty Mutual | $390 | $530 |
Disclaimer: Table data sourced from real-time Savannah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Savannah may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
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 $331 per month for full coverage and $211 for liability only. Here are the cheapest car insurance options for drivers with a DUI in Savannah.
The below rates in Savannah, GA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $91 | $120 |
| COUNTRY Financial | $98 | $126 |
| State Farm | $97 | $128 |
| Allstate | $106 | $140 |
| Mile Auto | $107 | $141 |
| USAA | $114 | $150 |
| Progressive | $140 | $168 |
| Mercury | $152 | $213 |
| Root | $175 | $233 |
| GEICO | $183 | $240 |
| Bristol West | $183 | $242 |
| GAINSCO | $187 | $247 |
| Clearcover | $190 | $251 |
| Direct Auto | $191 | $252 |
| The General | $208 | $265 |
| Trexis One | $221 | $266 |
| Mendota | $225 | $271 |
| AssuranceAmerica | $210 | $277 |
| National General | $216 | $285 |
| First Acceptance | $237 | $285 |
| Trexis | $241 | $290 |
| Safeco | $220 | $309 |
| Nationwide | $235 | $310 |
| Liberty Mutual | $390 | $515 |
Disclaimer: Table data sourced from real-time Savannah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Savannah may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
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 $158 per month for liability-only coverage and $248 monthly for full coverage. Below are the most affordable insurers for seniors in Savannah, GA.
The below rates in Savannah, GA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $60 | $102 |
| State Farm | $62 | $107 |
| COUNTRY Financial | $64 | $110 |
| Allstate | $74 | $127 |
| Mile Auto | $76 | $122 |
| USAA | $82 | $140 |
| Mercury | $108 | $170 |
| Progressive | $122 | $218 |
| GEICO | $124 | $220 |
| Root | $132 | $187 |
| Bristol West | $139 | $260 |
| Direct Auto | $142 | $229 |
| Nationwide | $148 | $252 |
| National General | $148 | $214 |
| AssuranceAmerica | $151 | $236 |
| GAINSCO | $155 | $296 |
| The General | $167 | $324 |
| Clearcover | $167 | $282 |
| Safeco | $182 | $224 |
| Trexis One | $192 | $341 |
| Mendota | $196 | $332 |
| First Acceptance | $206 | $373 |
| Trexis | $209 | $369 |
| Liberty Mutual | $290 | $326 |
Disclaimer: Table data sourced from real-time Savannah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Savannah may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
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 $478 per month, while liability-only coverage costs $304 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 in Savannah, GA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| COUNTRY Financial | $154 | $264 |
| Auto-Owners | $182 | $309 |
| State Farm | $185 | $316 |
| Allstate | $206 | $351 |
| USAA | $206 | $351 |
| Mile Auto | $216 | $346 |
| Progressive | $243 | $436 |
| Mercury | $272 | $430 |
| Root | $298 | $422 |
| Clearcover | $305 | $515 |
| Bristol West | $318 | $593 |
| GEICO | $324 | $575 |
| GAINSCO | $328 | $626 |
| Direct Auto | $364 | $586 |
| The General | $365 | $710 |
| Trexis One | $384 | $681 |
| Mendota | $391 | $663 |
| First Acceptance | $412 | $745 |
| Trexis | $419 | $738 |
| National General | $424 | $612 |
| AssuranceAmerica | $426 | $665 |
| Safeco | $438 | $539 |
| Nationwide | $450 | $768 |
| Liberty Mutual | $669 | $753 |
Disclaimer: Table data sourced from real-time Savannah car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Savannah may vary based on the policy buyer's unique driver profile.
)
Find Car Insurance in Savannah
Unlock discounts and savings when you compare rates through Insurify
Excellent
4.7 out of 5 based on 13,775 reviews
Secure. Free. Easy-to-use.
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
Category | Price |
|---|---|
| Excellent | $277 |
| Good | $328 |
| Fair | $360 |
| Poor | $559 |
Is car insurance more expensive in Savannah?
In Savannah, car insurance averages $225 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.
City | Liability Only | Full Coverage |
|---|---|---|
| Atlanta | $225 | $330 |
| Augusta | $148 | $229 |
| Columbus | $141 | $228 |
| Gainesville | $148 | $225 |
| Lawrenceville | $200 | $286 |
| Macon | $191 | $279 |
| Marietta | $190 | $267 |
| Woodstock | $168 | $233 |
Disclaimer: Table data is based on real-time Savannah quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $275 for full-coverage car insurance and $175 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?
Auto-Owners is the cheapest insurer in Savannah. Its minimum-coverage policies start at $91 per month. State Farm and COUNTRY Financial are the second- and third-cheapest car insurance companies in Savannah, with liability-only rates as low as $97 and $98, 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 8.2, 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.
Sources
- Vision Zero Savannah. "2022 Action Plan."
- Insurance Information Institute. "https://www.iii.org/article/auto-insurance-basics-understanding-your-coverage."
- Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Georgia Department of Driver Services. "Reinstatement FAQs - Driving Under The Influence (DUI) (First Offense) Drivers Age 21 And Over."
- National Highway Traffic Safety Administration. "Older Drivers."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
Methodology
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:
- 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
- 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.
Related articles
)
Georgia Car Insurance With Bad Credit
Drivers with bad credit in Georgia tend to pay higher car insurance rates.
)
Car Insurance for High-Risk Drivers in Georgia
Some companies, such as Auto-Owners and State Farm, offer competitive auto insurance rates after an accident or ticket for high-risk drivers in Georgia.
)
Rideshare Insurance in Georgia
Georgia doesn’t require rideshare insurance policies, but Uber and Lyft drivers should still consider adding this coverage to their personal auto policy.
)
Best Car Insurance in Georgia
State Farm, USAA, and Auto-Owners are some of the best car insurance companies for Georgia drivers.
)
Cheapest Car Insurance for Low-Income Drivers in Georgia
Auto-Owners has the cheapest liability car insurance in Georgia, with an average rate of $73 per month.
)
Best Car Insurance for College Students in Georgia
COUNTRY Financial, State Farm, and USAA offer the best car insurance for Georgia college students and their parents.
)
Cheap SR-22 Insurance in Georgia From $88
The average rate for SR-22 insurance in Georgia is $117 per month for liability coverage.
)
Average Car Insurance Cost in Georgia
Drivers in Georgia pay an average of $209 per month for car insurance.
)
DUI Car Insurance in Georgia
Drivers in Georgia with a DUI pay an average of $252 per month for car insurance.
)
Car Insurance Requirements in Georgia
You must meet the 25/50/25 minimum car insurance requirements to drive in Georgia.
Temporary Car Insurance in Georgia: What Your Short-Term Options Really Are
Georgia drivers can find flexible car insurance from companies that specialize in short-term coverage, or shop for standard insurance and cancel anytime. Insurify Car offers policies with low up-front weekly costs.
)
How to Get a Driver’s License in Georgia
Teenagers must go through a graduated licensing program to get their full license. And people moving to the Peach State need to meet requirements to transfer their licenses.
)
Uninsured Motorist Coverage in Georgia: What to Know
Uninsured motorist coverage is an optional policy add-on in Georgia that covers damages if a driver without insurance hits you.
Cheapest Car Insurance Quotes in Georgia
Auto-Owners has the cheapest liability-only car insurance in Georgia, with an average monthly quote of $73. Auto-Owners offers the cheapest average rates for full coverage, at $133. See real-time quotes for Georgia and buy your policy online in minutes.
)
Cheapest Auto Insurance in Albany, Georgia
Auto-Owners offers the cheapest car insurance in Albany, with liability rates starting at $75 per month.
Cheapest Auto Insurance in Augusta, Georgia
Auto-Owners is the cheapest car insurance company in Augusta, with monthly liability rates as low as $76.
)
Cheapest Auto Insurance in Lawrenceville, Georgia
Auto-Owners offers the cheapest car insurance in Lawrenceville, with minimum-coverage policies as low as $98 per month.
)
Cheapest Auto Insurance in Gainesville, Georgia
Auto-Owners offers the cheapest car insurance in Gainesville, with minimum-coverage policies as low as $75 per month.
)
Cheapest Auto Insurance in Valdosta, Georgia
Valdosta drivers can find quotes for liability-only car insurance as low as $58 from Auto-Owners.
)
Cheap Car Insurance Quotes in Atlanta, Georgia
Auto-Owners offers the cheapest car insurance in Atlanta, with minimum-coverage policies as low as $112 per month.
)
Cheapest Auto Insurance in Dalton, Georgia
Auto-Owners is the cheapest insurance company in Dalton, with liability-only rates of $58 per month.
)
Cheapest Auto Insurance in Woodstock, Georgia
The cheapest car insurance company in Woodstock is Auto-Owners with an average rate of $81 per month.
)
Cheapest Auto Insurance in Macon, Georgia
Auto-Owners offers the cheapest car insurance in Macon, with minimum-coverage policies as low as $95 per month.
)
Cheapest Auto Insurance in Marietta, Georgia
Auto-Owners offers the cheapest car insurance in Marietta, with minimum-coverage policies as low as $92 per month.
)
Cheapest Auto Insurance in Columbus, Georgia
Auto-Owners offers the cheapest car insurance in Columbus, with minimum-coverage policies as low as $75 per month.
Cheapest Auto Insurance in Alpharetta, Georgia
Auto-Owners offers the cheapest car insurance in Alpharetta, with minimum-coverage policies as low as $82 per month.
)
Cheapest Auto Insurance in Athens, Georgia
Auto-Owners offers the cheapest car insurance in Athens, with minimum-coverage policies as low as $69 per month.
Cheapest Auto Insurance in Dallas, Georgia
Auto-Owners offers the cheapest car insurance in Dallas, with minimum-coverage policies as low as $92 per month.
)
Cheapest Auto Insurance Quotes in Warner Robins, GA
Auto-Owners is the cheapest liability auto insurance company in Warner Robins.
)
Melanie LockertInsurance, Personal Finance Writer
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Featured in
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology