The average cost of a full coverage car insurance policy in Savannah 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.
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.
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.
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.
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.
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.
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.
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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.
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.
Drivers turning 25 could see lower rates, but a lot depends on your driving record and the kind of car you drive. Assuming you’ve kept a clean record, however, your rates should go down once you turn 25.
Married couples are seen as less likely to file a claim by insurance companies, so your rates could go down, but probably not by a lot. Just make sure to let your insurer know.
Late payments are often reflected in your credit score, and a low score can raise your rates by as much as 50 percent with some insurers. Make payments on time and pay down debts to improve your credit score.
Any kind of ticket can raise your insurance rates, but some types of violations are worse for your car insurance rates than others.
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.