Best Savannah, Georgia Auto Insurance in 2024
Savannah, GA auto insurance rates average $430 per month or $5,166 per year. You’ll find the cheapest Savannah, GA car insurance from USAA and GEICO. Savannah, GA traffic, crime rates, and even weather can affect your rates. Personal factors like your age, gender, and ZIP code have the most significant effect on rates. The best way to find affordable Savannah, GA auto insurance is to compare quotes from at least three different companies.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- USAA and Geico are the cheapest auto insurance companies in Savannah, GA
- The average rate for car insurance in Savannah, GA, is $430 per month
- You’ll need to carry minimum coverage of at least 25/50/25 to drive in Savannah, GA legally
If you live in Savannah, GA, you need to know the car insurance requirements and rates you’ll pay to drive legally. So what is the best car insurance in Savannah? What are average Savannah, GA auto insurance rates? How can you save on Savannah, GA auto insurance?
You’ve come to the right place. You can find cheap auto insurance by comparing rates from multiple companies, asking about discounts, and more. Read this article for the information and tips you need to save on Savannah, Georgia auto insurance.
Monthly Savannah, GA Car Insurance Rates by ZIP Code
ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Savannah, Georgia auto insurance rates by ZIP Code below:
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Savannah, GA Car Insurance Rates vs. Top US Metro Car Insurance Rates
You might find yourself asking how does my Savannah, Georgia stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.
Ready to find affordable Savannah, GA auto insurance? Enter your ZIP code in our free tool to start comparing Savannah, GA car insurance rates right now.
What is the cheapest auto insurance company in Savannah, GA?
When you’re looking to buy Savannah, GA auto insurance, you need to know which Savannah, GA car insurance company offers the cheapest coverage. USAA and Geico offer the lowest rates in Savannah, but we’ve also pulled rates from some of the other major companies in the area for your review.
Which Savannah, GA car insurance company has the best rates? And how do those rates compare against the average Georgia car insurance company rates? We’ve got the answers below.
The top Savannah, GA car insurance companies, ranked from cheapest to most expensive are:
- USAA – $3,099.83
- Geico – $3,344.62
- State Farm – $3,548.57
- Allstate – $4,283.10
- Progressive – $5,086.26
- Nationwide – $6,657.01
- Liberty Mutual – $10,140.19
These numbers are a good baseline, but what you pay will vary based on several factors, including your age, marital status, coverage amount, credit score, driving history, and more.
Additionally, these rates are specific to Savannah, so if you live (or move to) Columbus, GA, for example, these rates may change.
Savannah, GA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.
Your coverage level will play a major role in your Savannah car insurance rates. Find the cheapest Savannah, GA car insurance rates by coverage level below:
Your credit score will play a significant role in your Savannah car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Savannah, GA car insurance rates by credit score below.
Your driving record will play a major role in your Savannah car insurance rates. For example, other factors aside, a Savannah, GA DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Savannah, GA car insurance rates by driving record.
Factors affecting car insurance rates in Savannah, GA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Savannah, Georgia car insurance.
These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. GA does use gender, so check out the average monthly car insurance rates by age and gender in Savannah, GA.
What auto insurance coverage is required in Savannah, GA?
As a Savannah resident, you’ll need to meet the minimum coverage requirements set in Georgia to drive legally.
Georgia requires resident drivers to carry at least:
- $25,000 per person and $50,000 per incident for bodily injury liability
- $25,000per incident for property damage
- $25,000 per person and $50,000 per incident for uninsured/underinsured motorist bodily injury
- $25,000 per person with a deductible of $250, $500, or $1,000 for uninsured/underinsured motorist property damage
Georgia is an at-fault state, meaning whoever is at fault in an accident is financially responsible for the resulting damages and injuries. You may want to carry more than the state minimum to save on out-of-pocket costs.
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What affects auto insurance rates in Savannah, GA?
External factors like crime rate and traffic can affect your insurance rates, and to give you the information you need to make an informed decision, we’ve compiled some basic Savannah, GA driving facts.
According to INRIX, Savannah is the 209th most congested city in the U.S.
Recent auto theft statistics from the FBI indicate that an average of 387 vehicles are stolen per 100,000 population in the Savannah-Chatham metropolitan area (statistics for Savannah alone were not available).
Savannah, GA Auto Insurance: The Bottom Line
The easiest way to find affordable Savannah, GA car insurance is to compare Savannah, GA auto insurance quotes from multiple companies and ask about discounts.
Before you go, enter your ZIP code in the free tool on this page to start comparing Savannah, GA car insurance quotes today.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a contract between a policyholder and an insurance provider that offers financial protection against physical damage or bodily injury resulting from a car accident or other incidents involving a vehicle. It provides coverage for repairs, medical expenses, and liability costs that may arise from accidents.
Is auto insurance mandatory in Savannah, GA?
Yes, auto insurance is mandatory in Savannah, GA, as it is in most states. The Georgia Department of Driver Services requires all drivers to carry a minimum amount of liability insurance coverage. Failure to comply with this requirement can result in penalties and potential legal consequences.
What is the minimum auto insurance coverage required in Savannah, GA?
In Savannah, GA, the minimum auto insurance coverage required is as follows:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
What does liability coverage mean?
Liability coverage is a component of auto insurance that pays for the costs associated with injuries to other people or damage to their property in an accident where you are at fault. It does not cover your own injuries or vehicle damage. The minimum liability coverage requirements in Savannah, GA, help ensure that you can financially compensate others for their losses if you cause an accident.
Are there additional auto insurance coverage options beyond liability insurance?
Yes, there are several additional coverage options available to Savannah, GA residents. These may include:
- Collision coverage: Pays for repairs or replacement of your vehicle if it is damaged in a collision, regardless of fault.
- Comprehensive coverage: Covers damage to your vehicle caused by non-collision incidents such as theft, vandalism, fire, or severe weather.
- Medical payments coverage: Helps pay for medical expenses for you and your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist coverage: Provides protection if you are involved in an accident with a driver who has insufficient or no insurance.
How are auto insurance rates determined in Savannah, GA?
Auto insurance rates in Savannah, GA are determined by various factors, including:
- Your driving record
- Your age and gender
- The type of vehicle you drive
- Your credit history
- The coverage options you select
- Your location (Savannah, GA) and the area’s crime rate and traffic congestion
Insurance providers use these factors, among others, to assess the level of risk you pose as a driver and calculate your premium accordingly.
Can my auto insurance premium change over time?
Yes, your auto insurance premium can change over time. Insurance companies may review your policy annually and adjust your premium based on various factors, such as changes in your driving record, claims history, and the overall risk landscape. Additionally, factors such as inflation, insurance market conditions, and changes to state laws can also impact premium rates.
Are there ways to lower auto insurance costs in Savannah, GA?
Yes, there are several strategies to potentially lower your auto insurance costs in Savannah, GA:
- Maintain a clean driving record and avoid accidents or traffic violations.
- Choose a higher deductible, if financially feasible, to lower your premium.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance, to qualify for multi-policy discounts.
- Inquire about available discounts, such as safe driver discounts, good student discounts, or discounts for safety features in your vehicle.
- Compare quotes from multiple insurance providers to find the best rates available.
What should I do if I have an auto accident in Savannah, GA?
If you’re involved in an auto accident in Savannah, GA, follow these steps:
- Check for injuries and call emergency services if necessary.
- Exchange information (name, contact, insurance details) with the other driver(s) involved.
- Document the accident scene by taking photos and gathering witness information, if possible.
- Notify your insurance provider and report the accident.
- Cooperate with the claims process, providing accurate and timely information.
- Seek medical attention if needed, and keep records of all medical expenses related to the accident.
- Consult with an attorney if you have concerns about liability, injuries, or compensation.
How can I find auto insurance providers in Savannah, GA?
To find auto insurance providers in Savannah, GA, you can:
- Ask for recommendations from friends, family, or local car dealerships.
- Search online for insurance companies that operate in Savannah, GA.
- Use insurance comparison websites to obtain quotes from multiple providers.
- Contact an independent insurance agent who can assist you in finding suitable coverage options based on your needs and budget.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
