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Best cheap car insurance in Savannah for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Progressive made our list: If you’re looking for affordable auto insurance that’s easy to manage from your phone, it’s worth getting a quote from Progressive. Progressive’s 4.4 Bankrate Score for auto insurance reflects its affordable rates, nationwide affordability and strong financial strength ratings, even in the midst of challenging market conditions. As winner of the 2024 Bankrate Award for Best Auto Insurance Company for High-Risk Drivers, Progressive may be an especially strong option for young drivers and anyone with a poor driving record.
Why Progressive may be best for digital policy management: Online car insurance sales and digital customer service are strong points for Progressive, which scored above the industry average for both service and shopping in J.D. Power’s 2023 U.S. Insurance Digital Experience Study. Drivers who prefer to work with a local agent in person will still have plenty of options, but Progressive may be one of the best picks for people who prefer to keep their insurance business digital-only.
| Bankrate Score | 4.4 |
| J.D. Power | 637/1,000 |
| AM Best score | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Auto-Owners made our list: Auto-Owners offers a wide lineup of both coverage and discounts for drivers in Savannah, making it one of the most affordable providers for many drivers. The company tied for a 2024 Bankrate Award for Best Budget Auto Insurance Company in recognition of its affordable pricing, and it also fared well above average in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. However, Auto-Owners ranked fairly low in the Southeast region for customer satisfaction, according to J.D. Power, so it may not be a good fit for drivers who prioritize service over cost.
Why Auto-Owners may be best for low rates: Auto-Owners consistently charges premiums well below the Savannah average for both full and minimum coverage. Add its robust slate of discounts into the mix, and this carrier may have the lowest rate for a large number of drivers in the area. In particular, safe drivers and young drivers have extra opportunities to save with Auto-Owners.
| Bankrate Score | 4.3 |
| J.D. Power | 650/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why USAA made our list: USAA has the highest J.D. Power scores on our list, but drivers must be active-duty military members, veterans or their family members to qualify for coverage. On average, USAA’s full coverage car insurance policies cost 9 percent less than the Savannah average. In addition to customizable coverage options, USAA also offers highly rated customer service, claims handling and generous discounts, including the usage-based SafePilot program, which could save you up to 30 percent if you maintain good driving habits.
Why USAA may be best for military-focused coverage: USAA’s coverage — and its low rates and strong customer service — are reserved for military members and their families. But military families can get additional benefits through a USAA auto insurance policy, from discounts for vehicles garaged on a military installation to pre-deployment support and a wide range of financial services geared toward military members.
| Bankrate Score | 4.2 |
| J.D. Power | 759/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Not available
Avg. full coverage premium
Full coverage
Not available
Why Nationwide made our list: Nationwide provides all standard auto insurance coverage options, in addition to some less-common add-ons like vanishing deductibles, rental car expense insurance, gap coverage and accident forgiveness. In addition to its 4.0 Bankrate Score for auto insurance, Nationwide received a 4.3 Bankrate Score for home insurance, which could make it an ideal option for drivers who own a home in Savannah. While Nationwide’s rates for full coverage insurance are higher than any other carrier on this list, its robust list of discounts could help to offset costs for many drivers.
Why Nationwide may be best for usage-based insurance: Two of Nationwide’s most impactful discounts are its usage-based SmartRide and SmartMiles programs. SmartRide rewards drivers who track their driving with a telematics program with discounted rates for safe driving, while SmartMiles allows policyholders who don’t drive much to pay a significantly reduced rate based on their actual mileage.
| Bankrate Score | 4 |
| J.D. Power | 669/1,000 |
| AM Best score | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Mercury made our list: Mercury sells standard auto insurance coverage with a few key add-ons, such as rideshare and roadside assistance, through local agents and online. Drivers can file claims 24/7 through Mercury’s automated system, search for a qualified repair shop or apply a range of discounts to their coverage. Mercury wasn’t included in J.D. Power’s 2023 insurance industry studies, but the company received a 3.9 Bankrate Score and a financial strength rating of A (Excellent) from AM Best.
Why Mercury may be best for rideshare coverage: Not all insurance carriers offer the specialized coverage that fills in coverage gaps for drivers working for ridesharing services like Uber and Lyft. If you drive for one of these companies in the Savannah area, you may want to get quotes for rideshare coverage from Mercury.
| Bankrate Score | 3.8 |
| J.D. Power | |
| AM Best score | A |
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, Encompass, Auto-Owners and Mercury are the three cheapest auto insurance companies in Savannah for state minimum coverage, with Encompass customers paying an average of $42 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.
| Insurance company | Average annual min coverage premium | Average annual full coverage premium |
|---|---|---|
|
$597
|
$1,820
|
|
|
$591
|
$1,852
|
|
|
$820
|
$2,024
|
|
|
$502
|
$2,087
|
|
|
$821
|
$2,178
|
How much is car insurance in Savannah, Georgia?
The average cost of car insurance in Savannah, Georgia is $2,424 per year for full coverage and $853 per year for state minimum coverage. That’s 2 percent more than the Georgia state average and 37 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 $4,820 per year for full coverage with an 18-year-old on their policy, that 18-year-old driver would pay an average of $7,590 for a standalone policy.
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$1,336
|
$1,137
|
|
|
$1,327
|
$1,160
|
|
|
$1,715
|
$1,378
|
|
|
$1,825
|
$1,310
|
|
|
$2,003
|
$1,691
|
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
$3,214
|
$2,897
|
|
|
$4,532
|
$3,884
|
|
|
$4,799
|
$3,507
|
|
|
$4,972
|
$4,358
|
|
|
$5,033
|
$4,280
|
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 $3,109 per year for full coverage insurance — 26 percent less than a 21-year-old and 59 percent less than an 18-year-old.
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$997
|
$500
|
|
|
$1,284
|
$918
|
|
|
$1,471
|
$956
|
|
|
$1,528
|
$938
|
|
|
$1,511
|
$983
|
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
$3,719
|
$2,647
|
|
|
$3,885
|
$2,509
|
|
|
$3,903
|
$2,217
|
|
|
$4,083
|
$2,992
|
|
|
$4,578
|
$3,000
|
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 $2,651 per year for full coverage, while 50-year-old drivers pay 12 percent less at $2,322 per year.
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$500
|
$502
|
$431
|
|
|
$625
|
$591
|
$592
|
|
|
$773
|
$665
|
$612
|
|
|
$789
|
$730
|
$723
|
|
|
$775
|
$597
|
$667
|
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
$1,924
|
$1,852
|
$1,789
|
|
|
$2,094
|
$2,087
|
$1,707
|
|
|
$2,098
|
$2,024
|
$1,976
|
|
|
$2,340
|
$1,820
|
$1,871
|
|
|
$2,493
|
$2,199
|
$2,130
|
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 $2,290 per year for full coverage, while 70-year-olds pay $2,515 per year. Rates tend to go up as drivers reach their mid-70s to account for higher risks of injury and risky driving.
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$418
|
$374
|
|
|
$597
|
$767
|
|
|
$598
|
$682
|
|
|
$652
|
$823
|
|
|
$712
|
$798
|
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
$597
|
$2,075
|
|
|
$418
|
$1,513
|
|
|
$652
|
$2,196
|
|
|
$851
|
$2,108
|
|
|
$598
|
$2,172
|
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 $3,147 per year for full coverage, 30 percent more than drivers with clean records.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$581
|
$2,392
|
|
|
$693
|
$2,098
|
|
|
$902
|
$3,604
|
|
|
$925
|
$2,939
|
|
|
$928
|
$2,343
|
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 $3,680 per year for full coverage, 52 percent more than the citywide average. Across Georgia, drivers with at-fault accident records pay 52 percent more for full coverage on average.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$659
|
$2,659
|
|
|
$961
|
$2,718
|
|
|
$1,019
|
$2,596
|
|
|
$1,035
|
$3,944
|
|
|
$1,074
|
$3,121
|
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 $4,870 per year for full coverage and $1,724 for state minimum coverage. That’s around 97 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.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
$1,028
|
$2,805
|
|
|
$1,119
|
$2,866
|
|
|
$1,126
|
$3,350
|
|
|
$1,323
|
$3,564
|
|
|
$1,384
|
$4,037
|
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 July 2024 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 2022 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 2024 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.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
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.
