Cheap Auto Insurance Quotes in Savannah, GA (2021)

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If you squint just right, this genteel Georgia city will make you feel as if you’ve gone back in time with its famous architecture and a coastal expanse that goes on for miles.

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.

Car Insurance in Savannah, GA

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.

$144
$161
$214
$224
$234
ProgressiveTravelersThe GeneralAmerican FamilyNationwide

Cheapest Car Insurance in Savannah

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.

Best Car Insurance in Savannah, GA

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.

Average Car Insurance Cost

$205
$253
$176
$185
$204
$207
GeorgiaAtlantaColumbusAugustaRoswellSavannah

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Savannah, GA Driving Facts

georgia

Minimum Car Insurance Requirements in GA

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:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Savannah Car Insurance Rates by Driver Age

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.

Driving History
No Violation$320
Speeding Ticket$400
At-Fault Accident$392
Failure to Stop for Red Light / Stop Sign$353

Savannah Car Insurance Rates by Driving and Accident History

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.

Savannah Car Insurance Rates by Credit Tier

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.

Savannah, GA DMV Information

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.

Public Transportation in Savannah, GA

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.

Conclusion: How to get the best and cheapest car insurance in Savannah, GA

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.

Find local Savannah agents

Wilson Insurance and Financial Planning Inc.
7505 Waters Avenue, Savannah, GA 31406
Savannah Insurance Advisors
6001 Chatham Center Drive, Savannah, GA 31405-1351
R M Bush & Company, Inc.
340 Eisenhower Dr Building 300, Savannah, GA 31406-2600
Sterling Seacrest Partners
1001 Whitaker Street, Savannah, GA 31401
Carter Thompson Inc.
9100 White Bluff Rd, Savannah, GA 31406
BB&T Insurance Services - Savannah
1020 Drayton St., Ste. 200, Savannah, GA 31401
Corish & Company, Inc.
6811 Waters Ave, Savannah, GA 31406-2719
Morris and Templeton Insurance Agency, Inc.
7180 Hodgson Memorial Dr, Savannah, GA 31406-2532
Bernard Williams and Company
6001 Chatham Ctr Dr., Savannah, GA 31405-1351
McGriff Insurance Services - Savannah branch on Victory Drive
2280 E. Victory Dr., Savannah, GA 31404

Insurify Insights: How Savannah Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Savannah, GA
suspended licenses
#21
Cities with Most
Suspended Licenses Rank

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.

Accidents Savannah

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.

  • Rank within state: #79
  • Percent of drivers in Savannah with an accident: 11.17%
  • Drivers in Savannah, GA with an accident in their driving history paid on average 38.83% more than drivers with a clean record

Speeding Savannah

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.

  • Rank within state: #20
  • Percent of drivers in Savannah with a speeding ticket: 12.56%
  • Drivers in Savannah, GA with a speeding ticket in their driving history paid on average 38.1% more than drivers with a clean record

DUI/DWIs Savannah

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.

  • Rank within state: #16
  • Percent of drivers in Savannah with a DUI: 1.86%
  • Drivers in Savannah, GA with a DUI in their driving history paid on average 11.36% more than drivers with a clean record

Most Popular Vehicle Savannah

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.

Rude Savannah

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.

  • Rank within state: #55
  • Percent of drivers in Savannah with a reckless driving violation: 3.25%
  • Drivers in Savannah, GA with a reckless driving violation in their driving history paid on average 33.7% more than drivers with a clean record.

Safest Drivers Savannah

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.

  • Rank within state: #52
  • Percent of drivers in Savannah with clean record: 76.65%

Failure to Yield the Right of Way Savannah

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.

  • Rank within state: #58
  • Percent of drivers in Savannah with a failure to yield violation: 0.66%
  • Drivers in Savannah, GA with a failure to yield violation in their driving history paid on average 2300% more than drivers with a clean record

Reckless Drivers Savannah

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.

  • Rank within state: #3
  • Percent of drivers in Savannah with a reckless driving offense: 0.38%

Hybrid/Electric Vehicle Ownership Savannah

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.

  • Rank within state: #56
  • Percent of drivers in Savannah with a hybrid/electric vehicle: 0.65%

FAQs - Savannah, GA Car Insurance

What kind of car insurance covers theft and vandalism?

Though Savannah is considered a relatively safe place to live, theft and vandalism can occur anywhere. The kind of insurance coverage that you’ll need in this case is called comprehensive coverage. The state of Georgia does not require it, but having this kind of coverage will give you peace of mind if you are worried about losing money due to theft, vandalism, or even “acts of God.” These include damage to your car caused by fire, wind, hail, and flood. Falling objects and hitting an animal is also covered under comprehensive coverage.

What could it cost me if I let my insurance coverage lapse in Savannah?

Georgia law requires a vehicle to be continuously insured. The Georgia Department of Revenue can suspend and revoke the registration of any vehicle in Georgia that is not continuously insured with mandatory motor vehicle liability insurance. If you are found to have a lapse in coverage, you must pay a $25 lapse of insurance fee within 30 days to avoid having your insurance suspended. If you don’t pay within 30 days, an additional $60 fee is tacked on.

What happens if I get a DUI in Savannah?

Even though it’s easy to get carried away with yourself while having a good time in Savannah, you don’t want to face the severe consequences of a DUI in this town. If you are arrested for DUI, your license could be suspended, and you only have 10 days from the date of your arrest to request an administrative hearing before the Georgia Department of Motor Vehicle Safety to try to avoid that penalty. Additionally, you’ll be facing a maximum fine of $1,000 and up to 12 months in jail if this is your first offense. The minimum consequences for a DUI in Savannah are 24 hours in jail, which may still be waived, and a $300 fine.

Insurify Rate Comparison Methodology

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.