Based on Bankrate’s research, Savannah motorists pay an average annual premium of $1,981 for full coverage auto insurance and $670 for minimum coverage. Statewide, Georgia drivers pay an average of $2,009 for full coverage auto insurance.

Compare rates and save on auto insurance today!

Close X
Advertising Disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon Created with Sketch.

Save on auto insurance with quotes from trusted providers like:


Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?


Safe drivers choose Allstate®

Powered by (NPN: 19966249)
Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. 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.

See more providers in
Choose from insurers in

Savannah drivers may pay high insurance rates in part due to Georgia’s high rates of car theft. According to the most current Federal Bureau of Investigation statistics, Georgia has the sixth highest rate of motor vehicle thefts in the U.S. In 2020 alone, car thieves made off with over 25,500 automobiles in the state.

Our analysis found that several companies, including Auto-Owners, USAA and Progressive, may offer Savannah drivers lower-than-average rates. However, average rates may not reflect what you will pay for a car insurance policy. Insurers may determine rates based on several factors, including your age, driving record, location and the type of car you drive.

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 4.2 871/1,000 $1,202 $350
USAA* 5.0 886/1,000 $1,448 $507
Progressive 4.4 842/1,000 $1,684 $680
Mercury 4.2 Not rated $1,697 $657
Nationwide 4.4 850/1,000 $1,759 $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 four 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 $533 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 2022 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


In the J.D. Power study, Nationwide ranked above average in the Southeast region. The insurer 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:

  • To find cheap car insurance, consider comparing quotes from multiple carriers. Comparing quotes from different auto insurance companies may help you see which provider could offer you the cheapest rates for your specific needs.
  • To keep your cheap car insurance, consider maintaining a clean driving record. Staying accident and ticket-free may demonstrate to your insurer that you are less likely to file a claim. Your insurance company may lower your premium based on this lower risk profile.

Frequently asked questions