Cheap Auto Insurance Quotes in Savannah, GA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Savannah, GA

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

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Savannah, GA Driving Facts

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
georgia

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.

Driver's AgeAvg. Monthly Cost
teens$668
20s$430
30s$289
40s$300
50s$329
60s$276
70s$233
80s$288
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$331
Good$372
Average$331
Poor$324

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Savannah stacks up for the state of Georgia:

toyota
Toyota Camry
Most Popular Car in
Savannah, GA
suspended licenses
#16
Cities with Most
Suspended Licenses Rank

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.