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.
Compare the Cheapest Car Insurance Quotes in Savannah
The Cheapest and Best Car Insurance in Savannah
The Cheapest Car Insurance Companies in Savannah
The companies offering the lowest rates for a full coverage policy in Savannah are:
- USAA: $807 per year (only for current and former military members)
- GEICO: $1,043 per year
Cost is naturally one of the main factors that drivers consider when choosing a car insurance policy. The cheapest car insurance in Savannah is from USAA, although it is only available to former and current military members. USAA’s average rate is less than half of what Progressive, which is the most expensive, charges per year.
The costs listed above are for a 40-year old male driver with a full coverage car insurance policy. The policy features both liability insurance as well as comprehensive and collision coverage that caters to the cost of repairing your damaged vehicle in the event of an accident.
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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.
The Best Car Insurance Companies in Savannah
MoneyGeek ranked the best car insurance companies in Savannah to ensure that you find a policy that is both affordable and of good quality.
Following the scores, the top companies in the city are:
- Auto-Owners Insurance Co: MoneyGeek score of 90 out of 100
- Alfa Insurance: Moneygeek score of 87.5 out of 100
The MoneyGeek scores are based on a methodology that comprises financial stability, user satisfaction and affordability ratings from J.D. Power. USAA had the highest score but since it is only available to former and current military members, many people will not be able to take full advantage of their low rates.
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 quotes from multiple providers regularly.
Shopping around for car insurance in Savannah could save you $333, which is enough to buy:
Cheapest Car Insurance in Savannah by Coverage Amount
For all the cities in Georgia, including Savannah, the amount of coverage you choose determines how much you pay for your car insurance. A minimum liability-only policy costs an average of $821 per year, while a full coverage policy from the same city costs $1,376. That’s a difference of $555 annually.
Georgia Minimum Liability Requirements
- 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.
When looking for affordable car insurance in Savannah, you will need to select the right coverage amount for your needs to be met adequately. The cheapest coverage in the city is the state minimum liability-only policy, which costs $494 per year on average at GEICO. However, this policy only meets the state’s minimum requirements for car insurance.
A 50/100/50 liability-only or full coverage policy should be taken into consideration if you want higher limits. However, the liability-only policy does not cover your costs in case of an at-fault accident. A 50/100/50 liability-only policy from GEICO costs an average of $633 per year, while a full coverage policy costs $931 per year. That’s a difference of $298.
If you need even higher limits, you should consider the 100/300/100 full coverage policy which costs $1,043, about $112 more than the 50/100/50 full coverage policy per year
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Savannah if You Have Driving Violations
If you have a clean driving record, your car insurance rates in Savannah will be lower than drivers who have traffic violations such as at-fault accidents, or speeding fines.
The average annual cost for individuals with a clean driving record is $1,134. However, if you have a speeding ticket or DUI, you can expect to pay $103 more on average for car insurance in the city. Drivers who have been involved in at-fault accidents will pay $1,340 per year, which is higher than a driver with a clean driving record, by $206.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Savannah are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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