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But don’t close your eyes for too long. Besides the fact that there’s so much to see and do, paying attention to your surroundings is the number one rule for driving safely in Savannah. A close second? Having an insurance plan in place.
The average cost of Georgia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Savannah, GA to find you the cheapest quotes in the area.
Here are the cheapest carriers in Savannah for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
Progressive | $144/mo |
 Travelers | $161/mo |
 The General | $214/mo |
 American Family | $224/mo |
 Nationwide | $234/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Savannah. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
American Family | $274/mo | |
 Safeco | $274/mo | |
 Liberty Mutual | $252/mo | |
 Mercury | $281/mo | |
Travelers | $191/mo |
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Within the first month that a hands-free driving law was put into effect, car accidents in Georgia dropped by roughly 27%.
Georgia's minimum liability car insurance limits are as follows:
As the average insurance rates in Savannah demonstrate, young motorists pay more for insurance than their parents and grandparents. Why? Because more mature drivers are viewed by insurance companies as less risky to cover. In Savannah, drivers in their 20s pay nearly twice as much to insure their rides as those in their 70s ($429 versus $232, respectively). Though car insurance in your 20s is expensive here, rates do drop in your 30s and 40s by as much as $141 per month, on average.
| Driver's Age | |
|---|---|
| teens | $668 |
| 20s | $430 |
| 30s | $289 |
| 40s | $300 |
| 50s | $329 |
| 60s | $276 |
| 70s | $233 |
| 80s | $288 |
| Driving History | |
|---|---|
| No Violation | $320 |
| Speeding Ticket | $400 |
| At-Fault Accident | $392 |
| Failure to Stop for Red Light / Stop Sign | $353 |
It’s easy to be charmed by this Southern city, but keep your eyes on the road. You’ll be happier with your monthly insurance premium if you keep your driving record clean in Savannah. Dangerous driving signals risk to insurance companies. So does submitting claims when you cause a wreck. Risk makes car insurance rates go up. In Savannah, drivers with an at-fault accident on their record can expect to pay an average of $391 for insurance monthly. Speed here, and insurance could cost you as much as $399 monthly. By comparison, the clean-record driver pays just $319 for the same coverage.
Though there’s more to a credit score than just paying your bills on time, drivers who do are more likely to see the benefits of their credit scores when it comes to calculating insurance rates. A poor credit score affects your insurance rates like a poor driving record can. On average, Savannah drivers with an excellent credit score can expect to pay $188 in monthly car insurance premiums, while those with a poor credit score pay an average of $135 more for the same coverage.
| Credit Tie | |
|---|---|
| Excellent | $331 |
| Good | $372 |
| Average | $331 |
| Poor | $324 |
In Savannah, you can use online services or the DDS 2 GO Mobile App to manage anything having to do with your driver’s license. That’s pretty convenient, considering most of us would rather be strolling the beach than standing in line. As far as titling and tags are concerned, residents must do business either online or in person with the County Tag Office. There are four tag offices serving Savannah residents. Check out Georgia DRIVES e-services for some easily accessible online options for renewing your vehicle registration, paying insurance fines, applying for a tag, and even getting the opportunity to receive tag expiration notices by email.
You’ll be tempted to walk the miles of historic districts that Savannah has to offer, but your feet won’t be happy with you. Instead, try one of these transportation options: the free dot Shuttle, which circulates throughout historic downtown Savannah; the Savannah Belles Ferry, which takes you offshore for a unique city perspective; or local bus routes that take you to other points around the county. In addition to bikeshare and rideshare options, Savannah offers a variety of transportation-included tours,including trolleys, walking tours, horse-drawn carriages, Segway tours, and more.
Ghost and vampire tours around the historic city are also very popular activities to enjoy after the sun goes down—that is, if you like a good fright. What you don’t want is to have to hold your breath the next time you open your insurance bill.
Rest assured you can stroll around the city streets in peace (or even take a Segway if you want) because a much better—and less scary—option is just a click away. Insurify is the online comparison engine that drivers like you are turning to every day to find out almost instantly what their options are for competitive insurance rates. Unsatisfied with your current rate? Insurify makes it easy to shop around.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Savannah drivers measure up to their fellow Georgia motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Savannah drivers rank 79 in the number of car accidents per driver across all cities in Georgia.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Savannah drivers rank 20 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Savannah drivers rank 16 in the number of DUI’s per driver across all cities in Georgia.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Savannah is the Toyota Camry.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Georgia, Savannah drivers rank 55 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Savannah drivers rank 52 in clean driving records across all cities in Georgia.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Savannah drivers rank 58 in failure to yield violations per driver across all cities in Georgia.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Georgia, Savannah drivers rank 3 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Savannah drivers rank 56 in hybrid and electric vehicle ownership across all cities in Georgia.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
