Compare Savannah, GA Car Insurance Rates (2021)

The cheapest Savannah, GA car insurance offered to all drivers is from GEICO, although rates will vary by driver. Auto insurance in Savannah must meet the state requirements of 25/50/25 in liability coverage and 25/50 for uninsured/underinsured motorist coverage. Compare Savannah, GA auto insurance rates online to find the best deal for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 24, 2021

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Here's what you need to know...

  • GEICO has the cheapest car insurance on average in Savannah, GA
  • Savannah car insurance rates are above average
  • Traffic and commute times in Savannah are normal

Savannah, GA car insurance rates are above the national average. This isn’t surprising because Georgia car insurance rates, in general, are higher than the national average.

The good news is that you can still find affordable Savannah, GA car insurance if you know where to look. Shop around and compare quotes from multiple companies to find the cheap car insurance that fits your needs.

Monthly Savannah, GA Car Insurance Rates by ZIP Code

Find more info about the monthly Savannah, GA car insurance rates by ZIP Code below:

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Savannah, GA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Savannah, Georgia against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Savannah, GA car insurance quotes from multiple companies for free.

What is the cheapest car insurance company in Savannah, GA?

Although USAA actually offers the cheapest Savannah car insurance, it only offers coverage to the military, veterans, and their families. GEICO offers the cheapest coverage to all drivers in the city.

The cheapest Savannah, GA auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Georgia auto insurance company rates?” We cover that as well.

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The top Savannah, GA car insurance companies listed from least to most expensive are:

  • USAA – $3,099.83
  • GEICO – $3,344.62
  • State Farm – $3,548.57
  • Allstate – $4,283.10
  • Progressive – $5,086.26
  • Nationwide – $6,657.01
  • Liberty Mutual – $10,140.19

Many different factors affect your car insurance rates. Your age, gender, driving record, and credit history can all be used to calculate your rates.

Where you live and the size of your city can also affect your auto insurance rates. For example, Atlanta car insurance is much higher than coverage in Savannah.

Savannah, Georgia auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Savannah, GA auto insurance rates. Find the cheapest Savannah, Georgia auto insurance rates by coverage level below:

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Your credit score will play a major role in your Savannah, GA auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Savannah, Georgia auto insurance rates by credit score below.

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Your driving record will affect your Savannah auto insurance rates. For example, a Savannah, Georgia DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Savannah, Georgia auto insurance rates by driving record.

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Factors affecting auto insurance rates in Savannah, GA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Savannah, Georgia auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Savannah. Georgia does use gender, so check out the average monthly auto insurance rates by age and gender in Savannah, GA.

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What car insurance coverage is required in Savannah, GA?

Most states, including Georgia, require drivers to carry at least a minimum amount of car insurance. Savannah drivers need to meet these minimums:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

These limits are very low and will be exhausted quickly in a serious accident. Consider increasing these limits and adding additional coverages such as collision and comprehensive to be fully covered.

Consider adding collision and comprehensive coverages. Collision insurance helps pay for damages from an accident. Comprehensive insurance covers damages not resulting from an accident, like damages from the Savannah, GA weather such as hurricanes.

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What affects car insurance rates in Savannah, GA?

Traffic can also influence your car insurance rates. More cars on the road mean a higher chance of being in an accident.

INRIX ranks Savannah as the 209th most congested city in the U.S. This is great news for drivers.

City-Data reports that most drivers in Savannah, GA commute about 25 minutes.

Auto theft can affect your car insurance rates, too. According to the FBI, there were 940 motor vehicle thefts in Savannah in one year.

Savannah, GA Car Insurance: The Bottom Line

Savannah car insurance is more expensive than both the state and national averages. But before you buy Savannah, GA car insurance, shop around to find the best deal. Each company will offer a different rate so compare quotes from several companies to find great coverage at a low rate.

Enter your ZIP code to compare Savannah, GA car insurance rates from companies near you today.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Savannah, GA Car Insurance Rates by ZIP Code
Savannah, GA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Savannah, GA Car Insurance Rates by Company vs. City Average
Savannah, GA Car Insurance Rates by Company and Age
The Cheapest Savannah, GA Car Insurance Rates by Coverage Level
The Cheapest Savannah, GA Car Insurance Rates by Credit Score
The Cheapest Savannah, GA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Savannah, GA
Average Monthly Car Insurance Rates by Age & Gender in Savannah, GA
Monthly Savannah, GA Car Insurance Rates by ZIP Code
Savannah, GA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Savannah, GA Car Insurance Rates by Company vs. City Average
Savannah, GA Car Insurance Rates by Company and Age
The Cheapest Savannah, GA Car Insurance Rates by Coverage Level
The Cheapest Savannah, GA Car Insurance Rates by Credit Score
The Cheapest Savannah, GA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Savannah, GA
Average Monthly Car Insurance Rates by Age & Gender in Savannah, GA