Updated: December 18, 2025
Advertising & Editorial Disclosure
Auto-Owners: Best overall option for Savannah drivers, with the lowest full coverage rate at $115 per month and strong pricing across multiple driver profiles.
GEICO: Cheapest option for minimum coverage at $51 per month, with competitive rates for senior drivers and drivers with violations.
Central: Competitive pricing for drivers with an accident, making it a strong third choice for affordable coverage after claims.
Cheapest Monthly Rates by Coverage and Driver Profile in Savannah:
Auto-Owners leads Savannah's full coverage market at $115 monthly, offering 38% savings compared to the city average. GEICO follows closely at $123 per month with 36% savings below average rates.
For minimum coverage, GEICO ranks first at $51 monthly, while Auto-Owners comes in second at $53 per month. Both options save drivers around 36% to 38% compared to Savannah's average. Compare quotes from several insurers since your ZIP code and driving record affect your final rates.
| Geico | $51 | $123 | -36% |
| Auto Owners | $53 | $115 | -38% |
| Central Insurance | $69 | $153 | -18% |
| Progressive | $75 | $155 | -15% |
| Country Financial | $92 | $139 | -15% |
Not in Savannah? Read more about the cheapest car insurance or the best provider in Georgia.
Young drivers in Savannah pay high insurance rates due to their lack of driving experience. Auto-Owners offers the most affordable coverage at $257 monthly. COUNTRY Financial comes in second at $272 per month, while Central rounds out the top three at $297 monthly.
Young drivers save hundreds each month by staying on their parents' policy rather than buying separate coverage. Completing a defensive driving course can also reduce premiums by 5% to 15%.
Note: Drivers under 18 may have additional legal requirements related to coverage levels and parental consent. Since state laws vary, review local insurance rules before adding a teen to a policy.
| Auto Owners | $257 | $3,089 | -45% |
| Country Financial | $272 | $3,268 | -42% |
| Central Insurance | $297 | $3,566 | -37% |
| Geico | $340 | $4,076 | -28% |
| Allstate | $398 | $4,777 | -15% |
Senior drivers have strong options in Savannah. GEICO leads at $140 monthly for full coverage, while COUNTRY Financial follows at $156 and Auto-Owners rounds out the top three at $171.
Beyond competitive base rates, seniors qualify for more savings by completing a defensive driving course, reducing premiums up to 10% for three years.
Most insurers also provide accident forgiveness programs for drivers 65 and older, plus many offer age-specific discounts for experienced drivers.
| Geico | $140 | $1,674 | -42% |
| Country Financial | $157 | $1,880 | -34% |
| Auto Owners | $171 | $2,054 | -28% |
| Farmers | $236 | $2,836 | -1% |
| Allstate | $240 | $2,881 | 1% |
Getting a violation doesn't mean you'll pay high rates forever, though some insurers are more forgiving than others. If you have a DUI, Auto-Owners offers the most affordable coverage at $110 monthly for minimum coverage, with Progressive coming in second at $119.
For speeding tickets, Auto-Owners again leads at $60 per month, followed closely by GEICO at $61. After an at-fault accident, Central provides the cheapest option at $69 monthly, while GEICO offers competitive rates at $76.
Compare rates since different companies rate violations differently. Speeding tickets drop off your record after three to five years, but serious violations like DUIs can impact your premiums for up to a decade.
| At-Fault Accident | Central Insurance | $69 | -51% |
| At-Fault Accident | Geico | $76 | -47% |
| DUI | Auto Owners | $110 | -46% |
| DUI | Progressive | $119 | -41% |
| Speeding Ticket | Auto Owners | $60 | -51% |
| Speeding Ticket | Geico | $61 | -50% |
Your ZIP code matters more than your neighborhood name for Savannah car insurance rates. Drivers in 31405 pay $204 monthly for full coverage, while those in 31421 pay just $143. That's a $61 gap between the most and least expensive areas in the city.
Traffic density, crime rates and accident frequency all affect your ZIP code's risk profile, which explains why two drivers just miles apart can see such different premiums.
| 31405 | $204 |
| 31419 | $185 |
| 31404 | $157 |
| 31415 | $156 |
| 31401 | $156 |
| 31409 | $156 |
| 31406 | $154 |
| 31407 | $147 |
| 31421 | $143 |
| 31421 | $143 |
| 31407 | $147 |
| 31406 | $154 |
| 31401 | $156 |
| 31409 | $156 |
| 31415 | $156 |
| 31404 | $157 |
| 31419 | $185 |
| 31405 | $204 |
Auto-Owners ranks first in Savannah with a MoneyGeek score of 97 out of 100. This insurer combines perfect affordability ratings with strong customer satisfaction scores.
GEICO, Central, Progressive and Mercury round out the city's top insurance choices. These companies offer strong coverage options with reasonable rates and reliable customer support for Savannah drivers.
| Auto Owners | 97 | 1 | 1 | 7 |
| Geico | 91 | 2 | 6 | 8 |
| Central Insurance | 91 | 3 | 3 | 1 |
| Progressive | 89 | 4 | 2 | 3 |
| Mercury Insurance | 84 | 6 | 5 | 6 |
Most affordable rates for Savannah drivers
24/7 claims support with fast resolution
SR-22 coverage for high-risk drivers
No rideshare coverage for Uber or Lyft drivers
Cannot file claims online like most competitors
Limited coverage options compared to other providers
Auto-Owners offers personalized service with competitive rates for young drivers, those with violations and drivers with accidents in Savannah. Local independent agents understand Savannah's hurricane and flood risks, offering tailored coverage options and 24/7 claims support through their No Problem service.
The company combines competitive pricing with digital tools that let drivers manage policies efficiently during weather emergencies. This approach addresses Savannah's specific insurance challenges while maintaining above-average customer satisfaction ratings.
24/7 claims service through app and phone
DriveEasy app offers safe driving discounts
Coverage available for high-risk drivers
Limited coverage options compared to local competitors
Less personalized service due to large national scale
Slower claims processing and resolution times
GEICO provides outstanding digital customer service and competitive rates for senior drivers and those with driving violations. The company's 24/7 mobile app and online platform enable Savannah drivers to file claims and access roadside assistance during hurricane season emergencies.
Its comprehensive coverage includes protection against hurricanes, floods and wind damage that frequently impact this coastal city. Mechanical Breakdown Insurance and fast digital claims processing provide added convenience for weather-related damages.
Insurance costs in Savannah can run higher than average, though drivers can still find reasonably priced coverage with a bit of planning.
Combine your auto policy with home or renters insurance for 15% to 25% savings. Multi-car discounts add another 10% to 25% per vehicle. Stack these with good driver and paperless billing discounts to reach 30% to 40% total savings.
Increasing your deductible from $500 to $1,000 often reduces premiums by 10% to 15% annually. This strategy works best when you have enough emergency savings to cover the higher out-of-pocket amount if you file a claim.
Insurance companies regularly adjust rates based on Savannah's changing risk factors and local claim patterns. After three years of clean driving, your improved record qualifies you for better rates that weren't available before.
Our team analyzed Savannah insurance options to help you secure affordable coverage that fits your needs.
Car insurance in Savannah runs well above the state average for full coverage, with rates varying by ZIP code, driving history and coverage level. Compared to other areas in Georgia, costs in Savannah sit below high-priced locations like Candler-McAfee but remain higher than low-cost areas such as Moody AFB.
Finding affordable car insurance in Savannah depends on how insurers price policies across the city. Traffic patterns, theft risk and Georgia’s insurance requirements affect rates. Even within city limits, drivers in ZIP code 31405 often pay more than those in 31421.
We partnered with the Georgia Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Savannah ZIP code.
Our ratings for the best car insurance in Savannah are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Savannah neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
