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Cheapest Car Insurance Quotes in Savannah, GA (2023)
Mile Auto and Hugo offer the cheapest rates for full-coverage car insurance in Savannah.
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
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Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio.
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Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated December 21, 2022
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.
Table of contents
- How much does car insurance cost in Savannah?
- Cheapest car insurance in Savannah: Mile Auto
- How much car insurance do you need in Savannah?
- Tips for getting cheap car insurance in Savannah
- How age affects car insurance rates in Savannah
- How credit scores affect cheap car insurance in Savannah
- The effect of driving habits on car insurance in Savannah
- Find local Savannah agents
- Savannah car insurance rates FAQs
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.
| Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Mile Auto | $122 | $155 |
| Travelers | $128 | $172 |
| National General | $153 | $279 |
| State Auto | $154 | $230 |
| Safeco | $165 | $237 |
| Clearcover | $188 | $208 |
| Progressive | $190 | $166 |
| Hugo | $197 | $147 |
| SafeAuto | $197 | $219 |
| Elephant | $197 | $257 |
| GAINSCO | $209 | $354 |
| Midvale Home & Auto | $210 | $259 |
| Amigo America | $219 | $361 |
| Liberty Mutual | $226 | $284 |
| Mercury | $228 | $289 |
| Arrowhead | $251 | $507 |
| Everest National | $259 | $427 |
| Direct Auto | $273 | $292 |
| AssuranceAmerica | $289 | $316 |
| InsureMax | $296 | $434 |
| Bristol West | $308 | $330 |
| The General | $335 | $425 |
| Infinity | $345 | $550 |
| Freedom National | $352 | $551 |
| Nationwide | $175 | |
| Foremost Signature | $226 |
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.
Read More: The 10 Best Car Insurance Companies (2022)
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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.
| Age Group | Average Monthly Rate |
|---|---|
| Teenagers | $589 |
| Under 25 | $408 |
| 25–29 | $297 |
| 30s | $256 |
| 40s | $246 |
| 50s | $209 |
| 60s | $206 |
| 70s | $256 |
| 80+ | $269 |
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.
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.
| Insurance Company | Average Monthly Rate |
|---|---|
| Mile Auto | $205 |
| Clearcover | $206 |
| Progressive | $212 |
| Travelers | $212 |
| Hugo | $221 |
| Elephant | $256 |
| State Auto | $256 |
| SafeAuto | $305 |
| Safeco | $311 |
| National General | $315 |
| Liberty Mutual | $319 |
| Mercury | $329 |
| Midvale Home & Auto | $348 |
| GAINSCO | $359 |
| Direct Auto | $367 |
| Bristol West | $405 |
| AssuranceAmerica | $445 |
| Amigo America | $474 |
| The General | $486 |
| Freedom National | $492 |
| InsureMax | $498 |
| Arrowhead | $517 |
| Infinity | $545 |
| Everest National | $608 |
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.
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.
| Insurance Company | Average Monthly Rate |
|---|---|
| Mile Auto | $114 |
| Hugo | $147 |
| Progressive | $149 |
| National General | $161 |
| Travelers | $161 |
| Clearcover | $170 |
| SafeAuto | $176 |
| Elephant | $191 |
| State Auto | $200 |
| Direct Auto | $206 |
| Mercury | $208 |
| Safeco | $208 |
| Amigo America | $212 |
| Liberty Mutual | $224 |
| GAINSCO | $225 |
| AssuranceAmerica | $231 |
| InsureMax | $234 |
| Midvale Home & Auto | $235 |
| Bristol West | $274 |
| Arrowhead | $280 |
| Infinity | $288 |
| The General | $329 |
| Everest National | $330 |
| Freedom National | $392 |
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.
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
| Insurance Company | Average Monthly Rate |
|---|---|
| Mile Auto | $96 |
| Progressive | $114 |
| Elephant | $158 |
| Travelers | $164 |
| Safeco | $177 |
| GAINSCO | $179 |
| Direct Auto | $184 |
| Mercury | $189 |
| Foremost Signature | $196 |
| AssuranceAmerica | $202 |
| Liberty Mutual | $203 |
| Midvale Home & Auto | $203 |
| Amigo America | $210 |
| Clearcover | $212 |
| InsureMax | $213 |
| Bristol West | $221 |
| Arrowhead | $250 |
| The General | $303 |
| Infinity | $332 |
| Everest National | $354 |
| Freedom National | $407 |
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.
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.
| Credit Tier | Average Monthly Quote |
|---|---|
| Excellent | $291 |
| Good | $283 |
| Fair | $299 |
| Poor | $301 |
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.
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.
| Car Insurance Company | Clean Record | With Accident | Difference |
|---|---|---|---|
| Nationwide | $176 | $134 | -$42 |
| Mile Auto | $137 | $225 | +$88 |
| Hugo | $177 | $226 | +$49 |
| Safeco | $204 | $252 | +$48 |
| Elephant | $197 | $272 | +$75 |
| Liberty Mutual | $232 | $277 | +$45 |
| State Auto | $193 | $295 | +$102 |
| Foremost Signature | $199 | $299 | +$100 |
| Clearcover | $170 | $305 | +$135 |
| Progressive | $146 | $307 | +$161 |
| SafeAuto | $223 | $326 | +$103 |
| GAINSCO | $255 | $343 | +$88 |
| Amigo America | $329 | $354 | +$25 |
| Acuity | $157 | $359 | +$202 |
| National General | $182 | $364 | +$182 |
| Mercury | $221 | $373 | +$152 |
| Bristol West | $285 | $390 | +$105 |
| Midvale Home & Auto | $224 | $391 | +$167 |
| Direct Auto | $242 | $396 | +$154 |
| AssuranceAmerica | $274 | $422 | +$148 |
| InsureMax | $301 | $450 | +$149 |
| Infinity | $365 | $461 | +$96 |
| Everest National | $389 | $481 | +$92 |
| Arrowhead | $343 | $507 | +$164 |
| Freedom National | $387 | $517 | +$130 |
| The General | $350 | $530 | +$180 |
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.
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.
| Car Insurance Company | Clean Record | With DUI | Difference |
|---|---|---|---|
| Bristol West | $285 | $307 | +$22 |
| InsureMax | $301 | $281 | -$20 |
| Infinity | $365 | $424 | +$59 |
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.
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 Company | Clean Record | With Speeding Ticket | Difference |
|---|---|---|---|
| Mile Auto | $137 | $223 | +$86 |
| Clearcover | $170 | $247 | +$77 |
| Elephant | $197 | $258 | +$61 |
| Liberty Mutual | $232 | $290 | +$58 |
| GAINSCO | $255 | $311 | +$56 |
| AssuranceAmerica | $274 | $338 | +$64 |
| Amigo America | $329 | $343 | +$14 |
| Mercury | $221 | $346 | +$125 |
| Midvale Home & Auto | $224 | $372 | +$148 |
| Direct Auto | $242 | $372 | +$130 |
| Bristol West | $285 | $375 | +$90 |
| InsureMax | $301 | $422 | +$121 |
| Arrowhead | $343 | $472 | +$129 |
| Infinity | $365 | $500 | +$135 |
| Freedom National | $387 | $528 | +$141 |
| Everest National | $389 | $539 | +$150 |
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.
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:
Find local Savannah agents
Wilson Insurance and Financial Planning Inc.
7505 Waters Avenue,
Savannah, GA 31406Savannah Insurance Advisors
6001 Chatham Center Drive,
Savannah, GA 31405-1351R M Bush & Company, Inc.
340 Eisenhower Dr Building 300,
Savannah, GA 31406-2600Sterling Seacrest Partners
1001 Whitaker Street,
Savannah, GA 31401Carter Thompson Inc.
9100 White Bluff Rd,
Savannah, GA 31406BB&T Insurance Services - Savannah
1020 Drayton St.,
Ste. 200, Savannah, GA 31401Corish & Company, Inc.
6811 Waters Ave,
Savannah, GA 31406-2719Morris and Templeton Insurance Agency, Inc.
7180 Hodgson Memorial Dr,
Savannah, GA 31406-2532Bernard Williams and Company
6001 Chatham Ctr Dr.,
Savannah, GA 31405-1351McGriff Insurance Services - Savannah branch on Victory Drive
2280 E. Victory Dr.,
Savannah, GA 31404
Savannah car insurance rates FAQs
To help you find the best rate on car insurance in Savannah, Georgia, consider these frequently asked questions.
The average monthly cost for car insurance in Savannah is $274, with the average liability-only policies costing $228 and the average full-coverage policies costing $319. The average rate for car insurance throughout the state of Georgia is $282, which means Savannah is slightly less expensive on average.
The average rate of car insurance in Georgia per month is $282. The national average for car insurance rates is $231 per month, based on Insurify data.
According to Insurify research, Georgia had the fifth-highest percentage of drivers with an at-fault accident on record at 10.6%. That’s higher than the national average of 8.8%. The IIHS cited Georgia as having a 15.5 rate for road deaths per 100,000 population, which puts it at 38th for most fatalities across the nation.[4]
These and other factors may be reasons why rates for car insurance in Georgia are higher than the national average.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Georgia Department of Revenue. "Insurance Card Requirement." Accessed December 15, 2022
- Georgia Department of Driver Services. "Manage it all online." Accessed December 15, 2022
- Insurance Information Institute. "Background on: Credit scoring." Accessed December 15, 2022
- Insurance Institute for Highway Safety. "Fatality Facts 2020." Accessed December 15, 2022
