Finding the best cheap car insurance in Savannah shouldn’t be overly difficult if you know where to look. In Savannah, the average car insurance rate for full coverage is $2,047, which is more than the national average rate of $2,014. For minimum coverage, the average rate in Savannah is $658. However, several car insurance companies charge less than these rates in Savannah.


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Our analysis found that several companies, including Auto-Owners, USAA and Progressive, may offer Savannah drivers lower-than-average rates. To find the cheapest car insurance rates in Savannah, one of the most important steps is to compare multiple quotes. However, you should also maintain a clean driving record if possible, as this will also help your rates. Other factors may also play a part, including your age, driving record, where you live, and the make and model of your vehicle.

Best cheap car insurance companies in Savannah

Based on rate data provided by Quadrant Information Services, the five best cheap car insurance companies in Savannah include Auto-Owners, USAA and Progressive. These providers were selected based on their average annual premiums, discount options, coverage, customer satisfaction ratings, financial strength scores and customer satisfaction scores from the J.D. Power 2022 U.S. Auto Insurance Study.

We calculate each carrier’s Bankrate Score using a 5-point scale. Bankrate assigns Scores by analyzing each insurer’s affordability, availability and financial strength ratings. We also examine each provider’s customer service history and look for carriers that offer mobile and online tools to help policyholders manage their policies. Our survey may narrow the field to help Savannah drivers find carriers that offer the coverage they’re looking for at a price they can afford.

While these car insurance companies may be useful for the sake of comparison, your own rates or coverage needs may make one provider a better fit over another. Comparing quotes and coverage options for your circumstances may help you determine the best provider.

Insurance company Bankrate Score J.D. Power score (Southeast) Average annual premium for full coverage Average annual premium for minimum coverage
Auto-Owners 4.17 871/1,000 $1,243 $350
USAA* 4.28 886/1,000 $1,596 $511
Progressive 4.22 842/1,000 $1,723 $671
Mercury 3.23 Not rated $1,737 $657
Nationwide 3.94 850/1,000 $1,767 $513

*Not officially ranked by J.D. Power due to eligibility restrictions


Auto-Owners may be a great option for Savannah drivers looking for robust coverage at an affordable price. Auto-Owners offers customers an impressive lineup of coverages that include all standard protections, along with optional gap insurance and roadside assistance. Following a covered loss, the provider’s optional additional expense coverage may help pay for rental car costs, and if you have an accident away from home, it may also cover incidental, food and hotel expenses. For drivers looking for a discount, the carrier offers potential savings for students, paperless billing and more. Unfortunately, the carrier only offers auto policies through three independent Savannah insurance agencies.

Learn more: Auto-Owners Insurance review


USAA has the highest J.D. Power score 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 $451 less than the Savannah average. In addition to customizable coverage options, USAA also offers highly-rated customer service, claims handling and generous discounts. Enrolling in USAA’s usage-based SafePilot program could save you up to 30 percent if you maintain good driving habits. Military members who garage their vehicles on base may also earn up to a 15 percent discount. While USAA sells all standard car insurance coverages, it only offers two optional protections: rental car reimbursement and roadside assistance.

Learn more: USAA Insurance review 


With Progressive, Savannah drivers may get access to helpful online tools and great savings opportunities. Progressive offers a long list of discounts. Its usage-based Snapshot program features an enrollment discount, plus additional savings if you maintain good driving habits. The insurer also extends a discount to homeowners and offers three savings opportunities for young drivers. Along with standard coverages, Progressive also offers several optional protections, including gap insurance, rental car reimbursement, rideshare coverage and roadside assistance. Although Progressive made the cut in J.D. Power’s 2023 U.S. Auto Insurance Study, it earned a below-average score in the Southeast region.

Learn more: Progressive Insurance review


In addition to standard auto coverages, Mercury offers optional rental car reimbursement, rideshare and roadside assistance coverages. If you qualify, you may be able to lower your rate with good driver, good student and multi-policy discounts. Plus, you may save even more if your vehicle is equipped with anti-theft devices. Mercury could be a choice for low-mileage drivers as its RealDrive program may lower your premium based on the number of miles you drive. Mercury was not included in the 2022 J.D. Power Auto Insurance Study, but it did receive an A (Excellent) financial strength rating from AM Best. Mercury sells auto policies through five independent Savannah insurance agencies.

Learn more: Mercury Insurance review


Nationwide offers all standard car insurance coverages, plus a few optional protections, including gap insurance, rental car reimbursement, roadside assistance and towing and labor coverage. Nationwide could be a good choice for drivers looking to reduce their premium with discounts. The carrier offers potential savings for being accident free, installing anti-theft devices, enrolling in a defensive driving course, and being a good student, among others. Nationwide does charge the highest full coverage rates on this list.

Learn more: Nationwide Insurance review

How to get and keep the cheapest car insurance in Savannah

Bankrate’s analysis may give you a head start in finding the cheapest car insurance in Savannah, but you may want to do further research on your own. These strategies may help you find and keep the best rates:

  • One of the easiest ways to find cheaper auto insurance is by comparing quotes from several car insurance companies. Each company has its own method of determining rates, so you will likely see different rates with each quote.
  • Try to keep your driving record clean. Sometimes accidents are unavoidable, but at the very least, you should avoid accidents where you are found at fault. This will show insurance companies you are a less risky driver, and this usually leads to lower rates.

Frequently asked questions

    • There is no single best car insurance company for everyone, as coverage requirements and rates may vary from person to person. The best company for you may depend on your location, the amount and type of coverage you need, and your budget.
    • In Savannah, the average annual full coverage insurance premium is $2,047 and the average minimum coverage insurance premium is $658 per year. However, every driver may pay a slightly different rate based on factors like their age, credit history, claims history, the type of car they own, the age of the vehicle, their deductible and the amount of coverage they have. Most insurance experts recommend comparing quotes from multiple providers to find the cheapest car insurance for your needs.
    • According to the Georgia Office of the Commissioner of Insurance and Safety Fire, Savannah drivers are legally required to carry at least 25/50/25 in personal liability coverage. However, drivers who have a leased or financed vehicle may be required to carry full coverage insurance as mandated by their lender.
    • According to Georgia’s Office of Highway Safety, traffic fatalities in Chatham County have increased in recent years. Savannah also has a relatively high rate of auto theft. In 2021, the Georgia Bureau of Investigation reported 264 auto thefts in Savannah. In addition, experts say an international auto theft pipeline runs through Savannah. Insurance companies may use auto theft rates as a factor when determining rates, which may lead to higher rates in Savannah.
    • Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 2021 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.

    • Our 2023 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. Like our previous Bankrate Scores, 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. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
      • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 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 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.