The best car insurance in Savannah, GA

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Gianetta PalmerGianetta PalmerFreelance contributorGianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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The average cost of a full coverage car insurance policy in Savannah, Georgia is $1,847 per year, which is $222 more expensive than the statewide average. It's still possible for drivers in Savannah to find cheap coverage, though.

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The best way to save money on your car insurance is by comparing rates as you shop. 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 $1,074 per year for full coverage car insurance in Savannah.

  • 31419 is the Savannah ZIP code where the average cost of car insurance is cheapest

  • 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

$1,074

865

USAA

$1,118

890

COUNTRY Financial

$1,306

--

Central Insurance

$1,408

--

Farm Bureau

$1,480

--

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

31419

$1,702

31407

$1,777

31406

$1,835

31409

$1,863

31405

$1,880

31421

$1,886

31401

$1,886

31404

$1,887

31415

$1,904

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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

COUNTRY Financial

Central Insurance

Farm Bureau

At-fault accident

$1,433

$1,674

$1,832

$2,246

$1,818

DUI

$2,026

$2,334

$2,228

$3,163

$3,018

Suspended license

$2,026

$2,215

$2,228

$3,163

$3,018

Open container

$1,062

$1,718

$1,885

$3,163

$3,018

Expired registration

$1,062

$1,452

$1,885

$1,827

$1,483

Driving without lights

$1,062

$1,452

$1,885

$1,932

$1,483

Running a red light

$1,062

$1,452

$1,885

$1,932

$1,483

Following too closely

$1,062

$1,452

$1,885

$1,932

$1,483

Hit and run

$2,026

$2,456

$2,228

$3,163

$3,018

Not-at-fault accident

$1,062

$1,177

$1,435

$1,508

$1,483

Passing a school bus

$1,178

$1,718

$1,885

$1,932

$1,483

Reckless driving

$2,026

$1,718

$2,228

$3,163

$2,507

Speeding

$1,371

$1,452

$1,885

$1,932

$1,483

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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

$2,042

COUNTRY Financial

$2,052

USAA

$2,116

Nationwide

$2,346

Allstate

$2,448

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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 very close to 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?

The average cost of car insurance in Georgia is $135 per month, or $1,625 per year.

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: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • 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.

Authors

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

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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