Cheapest and Best Car Insurance in Savannah, GA (July 2024)

In Savannah, finding the cheapest or best insurance can depend on coverage and driver details. For full coverage and minimum coverage, Country Financial is the most affordable. For families with teens, Allstate is the most affordable provider. When it comes to best customer service, Auto-Owners offers the best overall insurance, which balances price with service quality. The perfect fit for you hinges on your individual preferences and coverage necessities.

MoneyGeek found that Country Financial is the Savannah's most affordable option for minimum coverage car insurance, an essential insight for budget-conscious drivers. Here's how the top companies stack up:

• Country Financial: $465 per year
• Auto-Owners: $507 per year

On the other hand, State Farm has the most expensive minimum coverage policy in Savannah at $1,033 annually, which is a stark contrast to Country Financial's rate. The $568 difference between the lowest and highest annual rates highlights the value of comparing quotes to secure the best car insurance deal.

In Georgia, the minimum legally required car insurance is:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $25,000 property damage liability per accident
  

if you hold a minimum coverage policy and incur a liability for bodily injury to a single person exceeding $25,000, or say, $50,000 across an entire accident, the overage is yours to settle out-of-pocket.

MoneyGeek found that Country Financial is the cheapest option in Savannah for cheapest full coverage car insurance. With competitive rates, the two most economical providers in Savannah are:

• Country Financial: $838 per year
• Auto-Owners: $1,058 per year

Progressive offers the most expensive full coverage policy in Savannah, at $1,849 annually. The difference of $1,011 between the cheapest and the most expensive highlights why it’s crucial to compare rates for full coverage car insurance.

Full coverage in Savannah increases the liability limits to $100,000 for bodily injury per person, $300,000 for bodily injury per accident, and $100,000 for property damage per accident. This enhanced coverage is a 100/300/100 plan.

Full coverage insurance policies also include comprehensive and collision coverage.

• Collision Insurance: This component of the policy is responsible for covering the costs of repairs to your vehicle when it's damaged in a collision, regardless of whether the collision is with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This offers financial protection against the costs incurred from non-collision related incidents that cause damage to your vehicle, such as theft, vandalism or natural disasters and being struck by an animal like a deer.

If you have a new vehicle, opting for full coverage insurance is a prudent choice to protect that investment. Yet, for older vehicles, the additional cost of this extensive coverage may exceed the benefits. When deciding on the right amount of car insurance necessary for your needs, consider that more comprehensive insurance will attract higher premiums, but less coverage could leave you inadequately insured.

MoneyGeek found that Country Financial is the most affordable option in Savannah for drivers with a poor driving record. Here are the companies with the lowest annual premiums for each type of incident:

• Speeding Ticket: Country Financial ($1,143 per year)
• At-fault accident: Country Financial ($1,207 per year)
• DUI: Country Financial ($1,398 per year)

GEICO presents the most expensive rates for drivers who have committed these offenses. After a speeding ticket, there is a notable price increase when comparing GEICO's rate of $4,856 per year to Country Financial's $1,143. This highlights how a DUI can affect car insurance rates more severely than a speeding ticket.

In cities like Savannah, insurance rates typically escalate with the gravity of your driving infractions due to the increased risk you pose to insurers. For instance, drivers with a single speeding ticket can expect an annual premium of around $2,396, contrasted with those with a DUI, who might pay approximately $3,351.

MoneyGeek found that Allstate offers the cheapest option in Savannah for full coverage car insurance for both male and female teens. Here are the top contenders with their corresponding rates:

• Allstate: $1,561 per year for female teens and $1,634 per year for male teens
• GEICO: $2,159 per year for female teens and $2,670 per year for male teens

These rates reflect the cost for a policy covering a combination of two parents and one teen driver. In contrast, the most expensive policy for female teens in Savannah comes from Progressive, with an annual premium of $2,892.

In Savannah, as in many US cities, individual teen car insurance premiums are a financial hurdle for young drivers. On average, an individual teen's annual premium is a steep $6,254, significantly higher than the $2,687 average when added to a family's policy. Insurers typically charge more for individual teen policies due to the elevated risk associated with young, inexperienced drivers.

Country Financial is the cheapest option in Savannah for those with military backgrounds seeking the cheapest car insurance for military backgrounds. Here are the two most affordable providers:

• Country Financial: $838 per year
• Auto-Owners: $1,058 per year

Although not the least expensive in this dataset, USAA has an annual premium of $1,123, positioning it as a competitively priced option. While USAA's costs may be higher than the leading competitors, its services are distinctively designed to cater to the needs of active duty military members.

In Savannah, you can use MoneyGeek's car insurance calculator to get estimates. By inputting essential information such as age, driving history, credit score and desired coverage, you can receive tailored rate estimates.

Choosing the right auto insurance requires weighing various factors, such as service quality, cost, coverage options and additional personal preferences. MoneyGeek's unique scoring system evaluates each of these variables to identify the best insurers in Savannah for different needs:

• Best overall: Auto-Owners (87 out of 100)
• Best for service: Auto-Owners (89 out of 100)
• Best cheap: Auto-Owners (92 out of 100)

Auto-Owners excels across all three categories — securing the top spot for overall excellence, service quality and affordability.

MoneyGeek found that Auto-Owners is the top car insurance provider in Savannah, offering the best car insurance for residents seeking a full coverage policy.

• Auto-Owners: MoneyGeek score of 87 out of 100 ($1,058 per year)
• Country Financial: MoneyGeek score of 71 out of 100 ($838 per year)

Auto-Owners has superior customer satisfaction and claims handling, which are significant factors contributing to its MoneyGeek score of 87 for a full coverage policy.

MoneyGeek found that Auto-Owners is the best option in Savannah for customer service in car insurance. This recognition is based on superb general satisfaction, claims handling and coverages.

• Auto-Owners: MoneyGeek score of 89 out of 100 ($1,058 per year)
• Mercury: MoneyGeek score of 73 out of 100 ($1,591 per year)

Auto-Owners has an excellent claims process and outstanding policy offerings.

MoneyGeek found that Auto-Owners offers the best cheap car insurance in Savannah for those prioritizing affordability without sacrificing quality in claims handling and customer satisfaction.

• Auto-Owners: MoneyGeek score of 92 out of 100 ($507 per year)
• Mercury: MoneyGeek score of 74 out of 100 ($646 per year)

Auto-Owners shines as the clear leader, offering a significant value with the lowest annual premium amongst its competitors.

Savannah has an average car insurance cost of $1,429. When compared to the average insurance cost in Georgia, residents of Savannah pay less, with the state average at $1,476. Georgia’s average car insurance is lower than the national average, which is $1,781.

Factors such as local traffic conditions, accident rates and auto theft frequencies play a role in determining regional insurance costs. Within Georgia, the most expensive city for car insurance is Atlanta at $1,894, indicating that urban areas often face higher premiums. Conversely, Athens has the lowest premiums in the state at $1,241, demonstrating that less dense areas might have more affordable rates.