Car insurance costs vary based on driving history, age and coverage requirements. Auto-Owners Insurance Co is the cheapest car insurance company in Savannah for minimum coverage policies and drivers with speeding tickets. Meanwhile, Country Financial offers the lowest rates for full coverage insurance and drivers with at-fault accidents. Allstate is the most affordable provider for teen drivers and motorists with a DUI. Military-affiliated drivers get the cheapest rates from USAA.
Cheapest and Best Car Insurance in Savannah, GA
Cheapest Minimum Liability Car Insurance in Savannah
MoneyGeek's analysis shows the following companies offer the most affordable minimum coverage car insurance in Savannah:
- Auto-Owners Insurance Co: $322 per year
- Country Financial: $366 per year
State Farm is the priciest insurance company in the city, costing approximately $593 per year.
Meanwhile, Country Financial is the cheapest car insurance provider in Georgia at about $321 per year as of October 2022. Notably, its rates in Savannah are higher than its statewide prices, showing how insurance premiums can change based on location.
Georgia's minimum coverage requirements for drivers include bodily injury and property damage with coverage limits of:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Bodily injury liability insurance covers the costs of injuries to other people in an accident you caused. If your bodily injury liability coverage is $25,000, your insurer will cover damages up to that amount. But, if the damages exceed your coverage limit, you are responsible for the remaining costs.
Cheapest Full Coverage Car Insurance in Savannah
MoneyGeek’s research found that these companies offer the most affordable full coverage car insurance in Savannah:
- Country Financial: $741 per year
- Auto-Owners Insurance Co: $779 per year
Country Financial is also the cheapest full coverage car insurance provider in Georgia, costing approximately $675 per year as of October 2022. Note that its rates are cheaper statewide than those in Savannah, highlighting the influence of location on car insurance prices. With an annual cost of $1,256 per year, Progressive has the priciest policies in the city.
A full coverage car insurance policy offers more extensive protection than a minimum coverage policy. It includes collision and comprehensive coverage with the state’s required liability limits.
- Collision Coverage: Pays to repair or replace your vehicle after a covered collision with an object or another vehicle.
- Comprehensive Coverage: Pays for damages caused by non-collision incidents, such as theft or natural disasters.
Full coverage insurance may be worth considering for new vehicles, as it provides comprehensive protection. However, the extra cost of full coverage may not be worthwhile for older cars.
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Cheapest Car Insurance in Savannah After a Driving Offense
MoneyGeek’s analysis shows the cheapest car insurance companies in Savannah for drivers with a driving violation are:
- Speeding Ticket: Auto-Owners Insurance Co ($876 per year)
- At-Fault Accident: Country Financial ($1,046 per year)
- DUI: Allstate ($1,167 per year)
These providers, on the other hand, have the highest premiums for drivers with a driving offense:
- Speeding Ticket: Mercury ($1,696 per year)
- At-Fault Accident: Mercury ($2,367 per year)
- DUI: GEICO ($3,536 per year)
Note that a driving violation on your record can lead to higher insurance premiums, even if you choose a low-cost provider.
The severity of your driving violation dictates the rate amount you'll face after an accident. In Savannah, a DUI can result in a $510 increase in your car insurance premium, while a speeding ticket can result in an increase of $272. However, it's still possible to find cheap car insurance after a bad driving record by comparing quotes from multiple providers.
Cheapest Car Insurance in Savannah for Teens and Their Families
The following are the most affordable car insurance options for teenage drivers on a family plan in Savannah, per MoneyGeek’s analysis:
- Allstate: $1,561 per year for female teens; $1,634 per year for male teens
- GEICO: $2,159 per year for female teens
- Auto-Owners Insurance Co: $2,281 per year for male teens
Progressive and State Farm offer the city's most expensive premiums for teen drivers at roughly $2,892 and $3,614 for female and male teens, respectively.
Generally, insurance providers perceive male teenage drivers as riskier to insure than female teenagers, leading to higher premiums for the former. This rate difference typically diminishes during the early stages of adulthood.
Car insurance for teens can be expensive, especially if you’re buying an individual policy. However, adding your teen to your family's policy can result in substantial savings. In Savannah, it costs $3,112 less to add a male teen to your policy than to purchase one separately. You can evaluate various providers to find cheap car insurance for teens.
Cheapest Car Insurance in Savannah for Military Drivers
Based on MoneyGeek’s analysis, the cheapest full coverage car insurance companies for military-affiliated drivers in Savannah are:
- USAA: $724 per year
- Country Financial: $741 per year
Auto-Owners Insurance Co and Country Financial provide the most affordable rates for drivers with military backgrounds seeking minimum coverage policies in Savannah, costing around $322 and $366 annually, respectively.
How to Compare Cheap Savannah Car Insurance Quotes Online
To obtain a quote from a car insurance provider in Savannah, you may have to enter your personal details and spend around 15 minutes of your time. Simplify the process and save time and effort by using MoneyGeek's car insurance calculator. With our tool, you can get immediate estimates when you provide just your age, vehicle type, driving history and preferred coverage.
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See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Savannah: Summary
The best car insurance policy for you depends on your budget, coverage needs, customer service preferences and more. MoneyGeek studied Savannah’s top car insurance providers and picked the following as the best for their respective categories:
- Best overall: Country Financial (MoneyGeek score 81 out of 100)
- Best for service: Auto-Owners Insurance Co (MoneyGeek score 66 out of 100)
- Best cheap: Auto-Owners Insurance Co: (MoneyGeek score 84 out of 100)
MoneyGeek's rating of a provider can vary based on its category. We recommend USAA as the best auto insurer for individuals with a military background, with a MoneyGeek score of 81 out of 100. Additionally, State Farm tops our list as the best car insurance company overall in Georgia. The variation in the best insurers between the state and city underscores how location impacts rates.
Best Overall Car Insurance in Savannah
MoneyGeek analyzed affordability, service quality and similar factors to determine the best overall car insurance providers in Savannah, which are:
- Country Financial: MoneyGeek score 81 out of 100 ($741 per year)
- Auto-Owners Insurance Co: MoneyGeek score 79 out of 100 ($779 per year)
Country Financial stood out over its six competitors for its excellent customer service and affordable rates. It scored the highest for both categories, demonstrating that Country Financial provides the best value for your money and doesn’t compromise on quality to offer lower rates.
How was this MoneyGeek score calculated?
Rates at $741 per year
Exceptional customer service reputation
Offers roadside assistance as add-on coverage
Mediocre claims management
Lacks OEM coverage and gap insurance
MoneyGeek’s choice for the best overall car insurance provider in Savannah is Country Financial. It offers the second-cheapest premiums in the city while having the second-highest customer service score. Despite limited coverage offerings, you can still find useful add-ons from this provider.
Country Financial offers roadside assistance coverage as an add-on. The company has a 24-hour dispatch service that provides vehicle towing, flat tire repair, fuel delivery and locksmith services. This endorsement offers peace of mind that you won’t be stranded if your car breaks down.
Additionally, Country Financial has rental reimbursement coverage. This rider pays for your rental car expenses if your vehicle is undrivable due to a covered incident. It’s useful in ensuring you can go about your routine without interruption. Note that it’s only available for full coverage policies.
Best Car Insurance in Savannah for Customer Service
MoneyGeek's research reveals that the top car insurance providers in Savannah for customer service, regardless of cost, are:
- Auto-Owners Insurance Co: MoneyGeek score 66 out of 100 ($779 per year)
- Country Financial: MoneyGeek score 65 out of 100 ($741 per year)
Auto-Owners Insurance Co is the best choice among the seven car insurance providers in Savannah due to its exceptional customer satisfaction ratings and coverage options. If you prioritize customer service, this company is a good match. Additionally, Auto-Owners Insurance Co is one of the most affordable options in the city, so you get excellent service without paying a higher price.
How was this MoneyGeek score calculated?
Top-notch customer service
Superb claims management
Offers OEM coverage
Lacks roadside assistance and gap coverage
Auto-Owners Insurance Co is MoneyGeek’s pick as the best car insurance provider for people who value customer service. With Auto-Owners Insurance Co, you can expect an excellent customer experience, efficient claims management and useful coverage options.
Notably, Auto-Owners Insurance Co offers an agreed value coverage. This unique add-on lets you and the company determine the value of your vehicle at the start of your policy. If your car is stolen or totaled, you’ll receive the agreed-upon amount. This coverage is useful if you’re insuring a vehicle that doesn’t have a high appraised value.
Auto-Owners Insurance Co also provides original equipment manufacturer (OEM) coverage. Another rare endorsement from this company, OEM coverage ensures original parts and procedures are used to repair your vehicle.
Best Cheap Car Insurance in Savannah
MoneyGeek analyzed the affordability and service quality of minimum coverage policies in Georgia and determined the best insurers in Savannah to be:
- Auto-Owners Insurance Co: MoneyGeek score 84 out of 100 ($322 per year)
- Country Financial: MoneyGeek score 75 out of 100 ($366 per year)
Opting for a minimum coverage policy may lower your premiums initially. However, it also means you have limited liability coverage and no protection for damages to your own vehicle. This could result in significant financial losses in the event of an accident.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs $322 per year
Features bundling, safe driving and anti-theft system discounts
Strong customer service reputation
Inefficient claims management
If you’re looking for a minimum coverage policy, Auto-Owners Insurance Co stands out as the best in Savannah. This company offers the second cheapest rates in the city and maintains a solid reputation for customer service, balancing affordability and service quality.
In addition, Auto-Owners Insurance Co offers several discount opportunities that can help reduce your auto insurance rates. The company will give you a discount if you bundle your car insurance policy with other Auto-Owners Insurance Co products. Likewise, insuring multiple cars and being claims-free for a period of time can result in discounts. If you’re a student, you save if you have good grades.
Auto-Owners Insurance Co also gives discounts to drivers who install safety devices in their cars. Folks under 25 may be eligible for a discount if they complete an accredited driver training course.
Average Cost of Car Insurance in Savannah
MoneyGeek’s research reveals that the average cost of full coverage auto insurance in Savannah is $996 per year. This quote is for a full coverage car insurance policy that includes $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
Additionally, car insurance in Savannah is approximately $17 more affordable than the cost of car insurance in the state of Georgiaas of October 2022. It’s also $269 cheaper than the national average. These price differences demonstrate how location can impact car insurance rates.
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