Best Cheap Auto Insurance in Savannah, Georgia (2023)

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.

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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

Best insurer for teen drivers: State Farm

Best insurer for full coverage: COUNTRY Financial

Cheapest liability-only car insurance in Savannah

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. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Hugo	64
Auto-Owners	74
State Farm	79
COUNTRY Financial	80
Allstate	87
Mile Auto	88
USAA	93
Progressive	109
GEICO	128
Safeco	131
Mercury	139
Liberty Mutual	148
Clearcover	149
AssuranceAmerica	150
Direct Auto	150
National General	153
Elephant	159
State Auto	162
GAINSCO	174
Infinity	186
Nationwide	192
Midvale Home & Auto	196
Foremost	221
The General	243
Bristol West	248

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. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Hugo	73
Auto-Owners	105
State Farm	112
COUNTRY Financial	113
Allstate	122
USAA	130
Mile Auto	133
Progressive	164
Travelers	179
GEICO	180
Direct Auto	201
Mercury	209
Elephant	221
Safeco	221
Nationwide	245
Clearcover	248
AssuranceAmerica	256
Liberty Mutual	260
State Auto	260
Midvale Home & Auto	263
National General	316
Foremost	330
GAINSCO	346
Infinity	357
The General	394
Bristol West	442

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.

• 

  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. 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. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Hugo	103	90
Auto-Owners	148	104
State Farm	158	112
COUNTRY Financial	160	113
Allstate	172	123
USAA	184	131
Mile Auto	188	124
Progressive	232	154
GEICO	254	181
Direct Auto	284	212
Mercury	295	196
Elephant	312	224
Safeco	312	185
Nationwide	346	271
Clearcover	350	210
AssuranceAmerica	361	212
Liberty Mutual	367	209
State Auto	367	229
Midvale Home & Auto	371	277
National General	446	216
Foremost	466	312
GAINSCO	488	246
Infinity	504	263
The General	556	343
Bristol West	624	350

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. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Hugo	108	95
Auto-Owners	155	109
State Farm	166	117
COUNTRY Financial	167	118
Allstate	180	129
USAA	192	137
Mile Auto	197	130
Progressive	242	161
GEICO	266	189
Direct Auto	297	222
Mercury	309	205
Elephant	327	235
Safeco	327	194
Nationwide	362	284
Clearcover	367	220
AssuranceAmerica	378	222
Liberty Mutual	384	219
State Auto	384	240
Midvale Home & Auto	389	290
National General	467	226
Foremost	488	327
GAINSCO	512	257
Infinity	528	275
The General	582	359
Bristol West	653	367

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. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Hugo	123	107
Auto-Owners	176	124
State Farm	188	133
COUNTRY Financial	190	134
Allstate	205	146
USAA	218	156
Mile Auto	223	148
Progressive	275	183
GEICO	302	215
Direct Auto	337	252
Mercury	351	233
Elephant	371	267
Safeco	371	220
Nationwide	411	322
Clearcover	416	250
AssuranceAmerica	430	252
Liberty Mutual	436	248
State Auto	436	272
Midvale Home & Auto	441	329
National General	530	257
Foremost	554	371
GAINSCO	581	292
Infinity	599	312
The General	661	408
Bristol West	742	416

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. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Hugo	48	42
Auto-Owners	68	48
State Farm	73	51
COUNTRY Financial	74	52
Allstate	79	57
USAA	85	61
Mile Auto	87	57
Progressive	107	71
GEICO	117	83
Direct Auto	131	98
Mercury	136	90
Elephant	144	104
Safeco	144	85
Nationwide	159	125
Clearcover	161	97
AssuranceAmerica	167	98
Liberty Mutual	169	96
State Auto	169	105
Midvale Home & Auto	171	128
National General	206	100
Foremost	215	144
GAINSCO	225	113
Infinity	232	121
The General	256	158
Bristol West	288	161

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. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Hugo	129	113
Auto-Owners	186	131
State Farm	199	140
COUNTRY Financial	200	142
Allstate	216	154
USAA	230	165
Mile Auto	236	156
Progressive	291	193
GEICO	319	227
Direct Auto	356	266
Mercury	370	246
Elephant	392	282
Safeco	392	232
Nationwide	434	340
Clearcover	440	264
AssuranceAmerica	454	266
Liberty Mutual	461	262
State Auto	461	287
Midvale Home & Auto	466	347
National General	560	271
Foremost	585	392
GAINSCO	613	308
Infinity	633	330
The General	698	431
Bristol West	783	440

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.

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.

Find Car Insurance in Savannah

Enter your ZIP codeGet My Quotes

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Based on 3,806+ reviews

4.8/5

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]

Georgia drivers with excellent or good credit scores typically pay the lowest rates. On the other hand, drivers with poor credit scores may pay significantly more in Savannah.

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.

Savannah car insurance FAQs