On average, the cheapest car insurer for full and state minimum coverage in Savannah is GEICO, but the best for you depends on your profile and needs. State Farm is the most affordable with a ticket. USAA is often the cheapest for military families. MoneyGeek found that Auto-Owners offers the best balance of quality service and affordability in Savannah.
The Cheapest and Best Car Insurance in Savannah
The Cheapest Car Insurance Companies in Savannah
In Savannah, on average, the cheapest auto insurers for a full coverage policy are:
- GEICO: $1,043 per year
- State Farm: $1,134 per year
If you have a military background, you may qualify for a USAA policy with the cheapest rate for full coverage at around $807 per year.
GEICO, offering the cheapest widely available full coverage policy in Savannah, is up to 74% cheaper than Progressive, the most expensive at roughly $1,819 per year.
Full coverage policies include comprehensive and collision insurance, but the rate you pay may vary depending on the liability coverage purchased.
Cheapest Car Insurance in Savannah
- Company100/300/100per year
- 1.$807
- 2.$1,043
- 3.$1,134
- 4.$1,210
- 5.$1,227
MoneyGeek obtained average car insurance rates in Savannah for a 40-year-old male driver with a full coverage policy, in accordance with our methodology.
Drivers in Savannah pay more for a full coverage policy compared to a state minimum policy because it has liability plus very valuable comprehensive and collision insurance.
- Comprehensive insurance: covers non-collision damage like hail and vandalism, and theft
- Collision insurance: Covers damage resulting from at-fault collisions with other vehicles or stationary objects
Liability-only insurance or a state minimum policy may be a better option for drivers with older cars in Savannah since the cost of a full coverage policy may exceed the vehicle’s value.
Compare Car Insurance Rates in Savannah
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Savannah for Minimum Coverage
Drivers in Savannah who want the most affordable policy should choose a minimum coverage policy. The cheapest insurers for minimum coverage in Savannah, on average, are:
- GEICO: $494 per year
- State Farm: $623 per year
USAA is cheapest overall for minimum coverage at roughly $432 per year but is only available to the military.
MetLife, the most expensive minimum coverage policy in Savannah at around $1,222, costs up to $728 more than GEICO, the cheapest, open-to-all option.
While minimum coverage is the cheapest auto policy, you risk not being fully covered since it excludes comprehensive and collision insurance and has low liability coverage.
You can see the rates for higher liability coverage in the table below.
Cheapest Minimum Liability Car Insurance in Savannah
- CompanyState Minimumper year
- 1.$432
- 2.$494
- 3.$623
- 4.$721
- 5.$738
When you purchase a state minimum policy in Savannah, you only get the minimum liability coverage required by Georgia insurance laws, 25/50/25. You get the cheapest policy but have limited protection and risk incurring high out-of-pocket costs in an accident.
For example, the state minimum policy has $25,000 in property damage coverage. In an at-fault accident, where the property damage is $30,000, you must pay the difference out of pocket.
Georgia Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Savannah if You Have Driving Violations
Violations such as a DUI, speeding ticket or at-fault accident significantly increase your car insurance premium in Savannah. On average, the cheapest car insurers for Savannah drivers, depending on the violation, are:
- Cheapest after a ticket: State Farm, $1,237 per year
- Cheapest after an at-fault accident: State Farm, $1,340 per year
- Cheapest after a DUI: State Farm, $1,237 per year
USAA has cheap rates for people with a military background that have a ticket or at-fault accident.
If you have a poor driving record in Savannah, improving it over time helps you get a lower rate. Right now, you can save on car insurance, even with a violation, by comparing quotes to find the best rate.
Cheapest Car Insurance in Savannah With a Violation
- CompanySpeeding Ticketper year
- 1.$929
- 2.$1,237
- 3.$1,246
- 4.$1,361
- 5.$1,418
Average Cost of Car Insurance in Savannah
Car insurance in Savannah costs an average of $1,376 per year. This cost is less than the state and the national averages. The state average is higher by 16%, while the national average is higher by only 3.4%, which means that Savannah offers an overall lower cost for car insurance.
Personalized Quotes to Get You the Cheapest Car Insurance in Savannah
Several factors contribute to the cost of car insurance in Savannah, such as your credit score, driving history, ZIP code, gender and coverage level. The average cost of car insurance in the city is $1,376. However, your rates may vary based on the above factors. To find the cheapest coverage and special offers like discounts and perks, we recommend that you compare car insurance rates from multiple providers regularly.
Compare Car Insurance Rates in Savannah
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Savannah
MoneyGeek scored car insurance companies in Savannah based on their average rates, claims ratings and customer satisfaction. We analyzed this data to find which company offers the best car insurance.
According to our analysis, the following are the top-ranking car insurance companies in Savannah:
- GEICO: MoneyGeek score of 87 out of 100
- State Farm: MoneyGeek score of 85 out of 100
We did not rank USAA together with the other companies. USAA received a score of 99 out of 100. It is the best choice for veterans and members of the military who are shopping for car insurance in California.

GEICO scored well in affordability, claims and satisfaction. For a 40-year-old driver in Savannah, the average premium is $1,043 per year. Drivers can have mechanical breakdown insurance with their GEICO policy.
Compared to the extended warranty provided by your car dealer, GEICO’s Mechanical Breakdown Insurance (MBI) covers all parts and systems of your vehicle. It doesn’t specify the parts it covers, giving more protection for your car. In addition to this, MBI is cheaper than most extended warranties in Savannah, so you’ll get more coverage for a lower price.
Drivers who own or lease cars that have less than 15,000 miles on it can add this coverage to their GEICO policy. The car also needs to be less than 15 months old. You’ll rarely see this coverage in other companies, but it’s a widely applicable coverage in GEICO.
Read MoneyGeek's GEICO auto Insurance Review
State Farm has above-average scores for claims, satisfaction and affordability. In Savannah, the average cost of a policy is $1,134 annually for a 40-year-old driver. It also offers rideshare insurance as additional coverage.
State Farm is one of the best car insurance companies in Savannah for its affordability and excellent customer service. Aside from this, it offers rideshare insurance, a unique coverage among other insurers.
Rideshare insurance keeps your medical, emergency roadside assistance, rental car reimbursement coverages and deductibles in place while you’re driving for a ridesharing company. With rideshare insurance, your personal policy still applies while you’re working for a TNC, except for your liability insurance.
If you’re a driver for a ridesharing company, you can add this coverage to your policy to give you extra protection. It typically costs 15% to 25% of your premium.
Read MoneyGeek's State Farm auto Insurance Review






Average Cost of Car Insurance by Postal Code
Where you stay can also change your car insurance costs. If you stay in a neighborhood that records more accidents, car thefts and other higher-risk occurrences, your rates will be higher. This is demonstrated by the significant difference in car insurance costs across Savannah’s ZIP codes. Drivers staying at ZIP code 31419 pay an average of $1,272 per year. The average rate for ZIP code 31405, on the other hand, is $1,479. That’s a difference of $207 per year.
- Zip CodeState Minimumper year
- 31419$1,272
- 31405$1,479
Factors That Impact Insurance Costs in Savannah
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Savannah. How Savannah ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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