The best car insurance in Savannah, GA

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 8, 2021

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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.

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

Driving with a suspended license

$1,569

$2,193

$1,665

$3,117

$3,008

Driving with an open container

$1,569

$1,699

$1,665

$3,117

$1,592

Driving with expired registration

$851

$1,435

$1,665

$1,529

$1,592

Driving without Lights

$851

$1,435

$1,665

$1,529

$1,592

Failure to show documents

$851

$1,435

$1,665

$1,529

$1,592

Failure to stop at 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

I’m turning 25 soon, will my rates change?

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.

I’m single but getting married soon, will my rates change?

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.

I was late on my rent a few times, will that cause my rates to go up?

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.

I received a ticket for running a stoplight, will my insurance go up?

Any kind of ticket can raise your insurance rates, but some types of violations are worse for your car insurance rates than others.

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.