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Best cheap car insurance in Savannah for 2025
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The best car insurance companies in Savannah
To narrow down the best auto insurance carriers in the Savannah area, Bankrate’s insurance editorial team looked at a range of factors, from the latest rate data provided by Quadrant Information Services and results of this year’s J.D. Power insurance studies to each company’s 2024 Bankrate Score, a 5-point scale that reflects each insurer’s affordability, availability and financial strength.
The results: Progressive, Auto-Owners, USAA, Nationwide and Mercury ranked highest in our analysis. While these aren’t the only Georgia car insurance companies worth considering, they may act as a solid starting point for drivers seeking affordable rates and reliable service in Savannah.
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Bankrate's trusted insurance industry expertise
Read our full methodologyBankrate’s insurance editorial team is made up of insurance professionals and licensed agents with combined decades of experience in the industry. To ensure that readers have the most up-to-date information about insurance companies in their area, we source the latest rate data available from Quadrant Information Services along with other relevant third-party studies.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Savannah
According to Bankrate’s research, Auto-Owners, Mercury and Geico are the three cheapest auto insurance companies in Savannah for state minimum coverage, with Auto-Owners customers paying an average of $46 per month for minimum coverage.
Keep in mind, however, that your own quotes depend on a wide range of rating factors like age, driving record and credit score. If price is the primary factor in your insurance search, consider getting quotes from these and other cheap car insurance companies in Georgia to find the best match for your profile.
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$548
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$1,801
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$719
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$2,277
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$790
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$2,324
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$990
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$2,439
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$1,017
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$2,703
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How much is car insurance in Savannah, Georgia?
The average cost of car insurance in Savannah, Georgia is $2,876 per year for full coverage and $1,062 per year for state minimum coverage. That’s 2 percent more than the Georgia state average and 56 percent more than the national average for all states.
However, rates vary considerably between different age groups. Because age is directly linked to driving experience for most Savannah residents, it’s a major factor in setting personal auto insurance rates.
Savannah rates for teens
Teenage drivers typically pay higher rates for car insurance, including state minimum coverage, thanks to their lack of on-road experience and higher statistical rate of accidents and violations. Staying on a parent’s policy may be the best way to keep costs low for teen drivers: while a married couple in Savannah pay $5,388 per year for full coverage with an 18-year-old on their policy, that 18-year-old driver would pay an average of $8,343 for a standalone policy.
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$1,631
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$1,408
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$1,798
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$1,521
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$1,830
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$1,653
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$1,837
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$1,320
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$2,286
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$1,938
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Savannah rates for young drivers
Once drivers in Savannah reach their mid-20s, car insurance rates tend to drop. A 25-year-old on their own policy in Savannah pays $3,456 per year for full coverage insurance — 26 percent less than a 21-year-old and 59 percent less than an 18-year-old.
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$1,394
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$856
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$1,515
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$985
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$1,574
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$1,084
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$1,629
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$952
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$1,694
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$835
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Savannah rates for adults
Rates tend to stabilize in adulthood, although various rating factors can still contribute to higher or lower rates for individual drivers. In Savannah, 30-year-old drivers pay an average of $2,994 per year for full coverage, while 50-year-old drivers pay 13 percent less at $2,596 per year.
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$568
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$548
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$536
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$792
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$756
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$726
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$821
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$719
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$701
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$833
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$833
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$691
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$850
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$790
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$749
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Savannah rates for senior drivers
Senior citizen status comes with certain advantages — including the lowest average rates for auto insurance in Savannah. On average, 60-year-olds in Savannah pay $2,555 per year for full coverage, while 70-year-olds pay $2,844 per year. Rates tend to go up as drivers reach their mid-70s to account for higher risks of injury and risky driving.
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$593
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$748
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$634
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$821
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$691
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$617
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$714
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$801
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$748
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$944
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The cheapest car insurance in Savannah by driving record
Your driving history — short or long — also impacts the cost of auto insurance in Savannah. If insurers see accidents, tickets or serious violations on your driving record, you’re likely to pay a higher rate to account for the added risk of costly claims. A clean record, on the other hand, will get you the lowest Savannah car insurance rates available.
Car insurance with a speeding ticket in Savannah
A speeding ticket conviction could raise your auto insurance rates in Savannah, even if it’s your first. Drivers in Savannah with a single speeding ticket pay an average of $3,531 per year for full coverage, 25 percent more than drivers with clean records.
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$631
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$2,004
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$926
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$3,709
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$971
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$3,109
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$997
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$2,893
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$1,096
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$2,732
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Car insurance after an accident in Savannah
An at-fault accident on your driving record signals to insurers that you may be more likely to generate insurance claims. As a result, Savannah drivers with an at-fault accident typically pay $4,157 per year for full coverage, 47 percent more than the citywide average. Across Georgia, drivers with at-fault accident records pay 46 percent more for full coverage on average.
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$878
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$2,613
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$1,081
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$4,108
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$1,104
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$3,462
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$1,219
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$3,030
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$1,269
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$3,537
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Car insurance after a DUI in Savannah
A DUI is a serious offense in Georgia, carrying a minimum $300 fine and up to $1,000 and one year in jail, plus mandatory license suspension and community service. A DUI can also make it difficult to find affordable auto insurance in Savannah, with average rates starting at $5,037 per year for full coverage and $1,865 for state minimum coverage. That’s around 71 percent more than the statewide average for drivers with clean records. You may need to shop around in order to find the best car insurance in Savannah after a DUI.
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$1,234
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$3,493
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$1,283
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$3,215
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$1,418
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$4,299
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$1,502
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$4,395
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$1,583
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$4,767
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Minimum coverage requirements in Savannah
All drivers in Savannah must carry at least the minimum coverage limits required by Georgia law:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Most insurance professionals, however, recommend carrying more than the minimum coverage mandated by Georgia’s car insurance laws. Additional coverage, including comprehensive and collision coverage, could reduce the out-of-pocket costs and liability associated with an accident.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in January 2025 for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.