The average cost of a full coverage car insurance policy in Savannah, Georgia is $1,948 per year, but insurance rates are different for everyone, and depend on things like your age, address, credit score.
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The best way to save money on your car insurance is by comparison shopping. Policygenius can help you see quotes from top companies so you can choose the best protection at the best price.
Key Takeaways
Auto-Owners Insurance has the lowest average rates at $858 per year for full coverage car insurance in Savannah.
Drivers with multiple speeding tickets and other infractions on their driving history often pay more for car insurance.
Georgia’s minimum liability car insurance requirements are $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 in property damage liability.
Cheapest car insurance companies in Savannah, GA
The price you pay for car insurance depends on many factors, including your age, location, and the kind of car you drive. Insurance companies all use the same information to set rates, but exactly how companies use your personal data varies by company, which is why it’s so important to shop around.
The table below shows the five cheapest car insurance companies in Savannah.
Company
Average cost
JD Power Rating
Auto-Owners Insurance
$858
890
USAA
$1,103
890
State Farm
$1,508
881
Georgia Farm Bureau
$1,527
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GEICO
$1,542
871
Cheapest car insurance rates by ZIP code in Savannah, GA
Your ZIP code is one of the biggest factors insurance companies use to set car insurance rates. Information like crime rates and the number of accidents in a neighborhood help companies predict how likely you are to file a claim. Below are the cheapest average rates by ZIP code in Savannah.
ZIP code
Average cost
31401
$1,984
31404
$1,979
31405
$1,983
31406
$1,945
31407
$1,892
31409
$1,966
31415
$1,992
31419
$1,812
Choosing the right car insurance company in Savannah, GA
Choosing the right car insurance company is a big decision — it’s important to consider more than just cost. Look at customer service ratings, coverage options and available discounts before you pick a policy.
Policygenius can help you see quotes from top insurers and pick the one that best suits your needs.
Car insurance rates for drivers with driving violations in Savannah, GA
Insurance companies use your driving history to determine rates, so more tickets means higher rates. Some infractions will cost you more than others, but even drivers with a DUI or an accident on their record can find affordable rates by shopping around. Below are the average rates for motorists in Savannah with speeding tickets or other infractions.
Violation
Auto-Owners Insurance
USAA
State Farm
Georgia Farm Bureau
GEICO
At-fault accident
$1,127
$1,651
$1,804
$1,875
$2,454
DUI
$1,569
$2,313
$1,665
$3,117
$4,863
Suspended license
$1,569
$2,193
$1,665
$3,117
$3,008
Open container
$1,569
$1,699
$1,665
$3,117
$1,592
Expired registration
$851
$1,435
$1,665
$1,529
$1,592
Driving without lights
$851
$1,435
$1,665
$1,529
$1,592
Not showing documents
$851
$1,435
$1,665
$1,529
$1,592
Running a red light
$851
$1,435
$1,665
$1,529
$1,592
Cheapest car insurance for drivers with bad credit in Savannah, GA
A bad credit score can mean much higher rates for car insurance, which makes it all the more important to shop around and compare quotes before you buy. The table below shows the cheapest rates for drivers in Savannah with bad credit.
Company
Rates for drivers with bad credit
GEICO
$1,900
USAA
$2,086
Auto-Owners Insurance
$2,190
Nationwide
$2,356
Allstate
$2,860
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Buying car insurance in Savannah, GA
To be legally insured in Georgia, state law says drivers must meet the following minimum liability insurance requirements:
Bodily Injury Liability Coverage per person: $25,000
Bodily Injury Liability Coverage per accident: $50,000
Property Damage Liability Coverage: $25,000
Motor vehicle owners and lessees are required by law to maintain continuous Georgia liability insurance coverage on vehicles with active registrations.
The minimum amount of insurance isn’t enough to fully protect most drivers. Consider setting higher limits for liability coverage and adding on optional coverages.
Collision: This coverage typically pays for damage to your car if you hit another car or object
Comprehensive: This covers things like theft, fire, falling objects, and vandalism
Georgia is a fault state when it comes to car accidents. This means that after an accident, the insurance company of the at-fault driver is responsible for paying for the victim’s damage and injuries.
How to get cheap car insurance in Savannah, GA
Many car insurance companies offer a variety of discounts to reduce premiums. Here are some of the most common:
Safe-driver discount: For drivers with no accident claims during a given timeframe
Bundling discount: For combining policies, like as auto and home insurance, with the same company
Paid-in-full discount: A discount for paying your premium in full instead of in monthly installments.
Military discount: A discount for active-duty military and their families
Savings vary by company, so ask to make sure you’re getting every available discount.
Frequently asked questions
Can you drive without insurance in Georgia?
No, drivers in Georgia are required by state law to have a minimum of 25/50/25 in liability coverage.
Is car insurance in Georgia expensive?
The average cost of full coverage car insurance in Georgia is $1,710 per year, which is slightly above the national average. Drivers in Georgia can save money on car insurance by comparing quotes from multiple companies.
Is Georgia an at-fault state?
Yes, Georgia is an at-fault state. This means a driver who is deemed at fault in a car accident is responsible for all of the bodily injury and property damage costs associated with the accident. If the at-fault driver doesn't have enough car insurance to cover the damage, they will be required to pay the additional costs out of pocket.
How much is car insurance per month in Georgia?
Drivers in Georgia pay an average of $1,710 per year for car insurance, which breaks down to $142.50 per month.
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
