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.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

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 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.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

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.

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.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State