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.”
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.
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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Savannah is considered the oldest city in the state of Georgia, with a historic district that takes you back in time. Its history, population, and location all play a role in car insurance rates, which are higher than the average in the United States.
The average monthly cost of insurance in Savannah is $308, according to Insurify data. Some of the most affordable insurers in the city are Auto-Owners, State Farm, and COUNTRY Financial. Read on to learn about car insurance requirements and where to find the best coverage for your needs in Savannah.
Quick Facts
Savannah drivers pay more for car insurance than the national average.
Georgia is an at-fault state, meaning the driver responsible for an accident must pay for any damages they cause.
Georgia insurers can use your credit score when setting your car insurance rate.
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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.
Best insurer for liability-only coverage: Auto-Owners
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$74/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.
$105/mo
Auto-Owners has the lowest rates for liability insurance for drivers in Savannah.
Pros
Insures classic and modified cars
Good optional coverages
Cons
Low customer rating on Better Business Bureau (BBB) website
Complaints about claims
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$112/mo
State Farm offers car insurance nationwide and has many discounts available for young drivers.
Pros
Multiple discounts, including many for teen drivers
Bundling options
Cons
Bad rating on Trustpilot
Complaints about customer service
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.9
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
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.
$80/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.
$113/mo
COUNTRY Financial has affordable full-coverage car insurance and offers multiple discounts.
Pros
Multiple discounts available
Offers roadside assistance coverage
Cons
Low customer rating on BBB
Complaints about claims handling
Philip is personable and overall makes dealing with insurance and claims easier.
Megan - May 27, 2023
Verified
Average customer service from the agent
Michael - December 27, 2022
Verified
Worked with them for many years; never had issues, and our agent always had our best interests at heart
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.[1] Here are the cheapest options for liability-only car insurance in Savannah, GA.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
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.
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 full-coverage car insurance in Savannah
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.
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: Tuesday, November 7 at 11:00 AM PST.
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.
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.[2]
“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. In the event of an accident, fault will be assigned to a driver who’s responsible for the damage done to the other party/vehicle.
Bodily injury liability
$25,000 per person
$50,000 per incident
Property damage liability
$25,000 per incident
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.
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. Read on to learn more about how these events affect rates and where to find affordable prices.
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Cheapest car insurance for drivers with a speeding ticket
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.
Below are the cheapest places to get insurance in Savannah after a speeding ticket.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
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.
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
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 (III).[3] 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: Tuesday, November 7 at 11:00 AM PST.
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.
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
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.[4] On top of that, insurance rates can potentially double.
Here are the cheapest car insurance options for drivers with a DUI in Savannah.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
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.
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
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.[5]
Below are the most affordable insurers for seniors in Savannah, GA.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
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.
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
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. A couple reasons include a lack of driving experience and aggressive, risky driving behaviors. Unfortunately, fatal accidents are the top cause of death among U.S. teens, according to the Centers for Disease Control and Prevention (CDC).[6]
Look for insurance companies that offer a good student discount 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: Tuesday, November 7 at 11:00 AM PST.
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.
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.
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.
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Savannah car insurance quotes by credit tier
Insurance companies use various factors when determining your risk, including your credit score. Several states have outlawed this practice, but most states, including Georgia, still allow insurers to consider your credit rating when assessing risk.[7]
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, full-coverage car insurance costs $361 per month, higher than both the state and national averages of $350 and $253, respectively.
Other Georgia cities are even more expensive, though, with full-coverage rates in Decatur costing $558 per month on average. Rates may fluctuate by city due to population and crime rates, among other factors.
More cities in Georgia
Compared to other cities in Georgia, Savannah drivers tend to pay less but not in all cases. For example, the average cost of full coverage in Atlanta is 24% more, at $446 per month. On the other hand, full-coverage costs are 22% lower in Columbus, with drivers paying an average of $281 per month.
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 $308 per month for car insurance. Liability-only coverage costs $256 per month, and full-coverage insurance costs $361 per month. 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 best car insurance companies in Savannah?
Auto-Owners is the best car insurance company in Savannah, with an IQ Score of 4.0 and an A.M. Best financial strength rating of A++ (Superior). It’s followed closely by State Farm, with an IQ Score of 4.4 and an A.M. 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 Stone Mountain. 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.
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.
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.
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.