The best car insurance in Savannah, GA

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.

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.

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.

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
31421	$1,980

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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	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
Failure to yield	$851	$1,435	$1,665	$1,529	$1,592
Following too closely	$851	$1,435	$1,665	$1,529	$1,592
Hit and run	$1,569	$2,437	$1,665	$3,117	$4,863
Illegal turn	$851	$1,435	$1,665	$1,529	$1,592
Improper passing	$937	$1,435	$1,665	$1,529	$1,592
Not-at-fault accident	$851	$1,162	$1,526	$1,529	$1,413
Passing a school bus	$937	$1,699	$1,665	$1,529	$3,008
Racing	$1,081	$2,313	$1,665	$2,588	$3,008
Reckless driving	$1,569	$1,699	$1,665	$2,588	$3,008
Speeding	$1,081	$1,435	$1,665	$1,529	$3,008

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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.

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.

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.