Compare the Cheapest Car Insurance Quotes in Savannah

The average cost of car insurance in Savannah is $1,376, which is less than the state average by 16%. GEICO is the most affordable and most widely available insurance company in the city, with an average annual cost of $1,043 per year. MoneyGeek ranked companies based on their different coverage amounts and driving profiles to ensure that drivers looking for quality and affordable coverage find the best option for their needs.

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Insurance Rates

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Last Updated: 11/3/2022
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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.

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2022

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
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $807
  • 2.
    GEICO
    $1,043
  • 3.
    State Farm
    $1,134
  • 4.
    Allstate
    $1,210
  • 5.
    Nationwide
    $1,227
  • 6.
    Country Financial
    $1,351
  • 7.
    Mercury
    $1,392
  • 8.
    Esurance
    $1,518
  • 9.
    MetLife
    $1,690
  • 10.
    Progressive
    $1,819

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.

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Insurance Rates

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
State Minimum

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

  • Item
    Description
  • 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
Speeding Ticket

Average Cost of Car Insurance in Savannah

Savannah$1,376
Georgia$1,638
U.S.$1,424

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.

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Insurance Rates

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: 86.80 out of 100
  • State Farm: 84.60 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.


1
GEICO
Score:87

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About GEICO

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
2
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

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.

More About State Farm

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities58th/300
handcuffs2 icon
Most Car Thefts160th/300
uninsured icon
Most Uninsured Motorists by State25th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall46th/300
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Most Rainy Days119th/300

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters and award-winning journalists. Learn more about the MoneyGeek team.