Best Cheap Car Insurance in Savannah

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In 2018, there were 10,559 car accidents reported in Chatham County, where Savannah is located. Every driver in Savannah is required to carry car insurance in order to protect their legal and financial responsibility if they cause an accident. The average full coverage car insurance premium is $2,043 per year and the average minimum coverage car insurance premium is $743 per year.

Car insurance in Savannah is more expensive than Georgia’s statewide average, which may in part be due to the area being one of Georgia’s largest cities. As of 2017, there were over 7 million licensed drivers in the state of Georgia and Savannah, alone, has a city population of more than 100,000 people. However, we identified several insurance companies in Savannah that offer cheap rates. These providers have good coverage options, generous discounts, strong financial ratings and a variety of online tools and resources.

Best car insurance companies in Savannah

The five best cheap car insurance companies in Savannah are Geico, Auto-Owners, State Farm, USAA and Progressive. These providers were selected based on their average annual premiums, discount options, coverage, customer satisfaction ratings and financial strength scores.

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico 857 / 1,000 $501 $1,689
Auto-Owners 854 / 1,000 $545 $1,495
State Farm 835 / 1,000 $505 $1,458
USAA 909 / 1,000 $473 $1,424
Progressive 848 / 1,000 $767 $1,946

Quadrant Information Services, 2020

Geico

Geico is one of the cheapest car insurance providers in Savannah, with an average full coverage premium of $1,689 per year and an average minimum coverage premium of $501 per year. Geico offers basic policies, with few options for customization. However, the company has a wide variety of discounts, including savings for federal employees, military members, emergency deployment, employee and membership groups, smart students and being claims-free.

Auto-Owners

Auto-Owners is a great option for Savannah drivers who are looking for robust coverage at a low price. The average annual full coverage premium with Auto-Owners is $1,495 and the average minimum coverage premium is $545 annually. Drivers can purchase unique coverages, including a package that has protection for lock replacement and cell phone coverage. There are also a number of common discounts for further savings.

State Farm

State Farm is the largest car insurance provider in the country, with over 16% of the total market share. In Savannah, the average full coverage policy from State Farm costs $1,458 annually and the average minimum policy costs $505 annually. Drivers can save money by enrolling in one of State Farm’s safe driver rewards programs, Steer Clear for young drivers or Drive Safe & Save for adults, or by qualifying for one of the standard discounts.

USAA

USAA is widely considered to be the best insurance company on the market. However, drivers must be active duty military members or veterans in order to qualify for coverage. In Savannah, the average USAA full coverage policy costs $1,424 per year and the average minimum coverage policy costs $473 per year. In addition to customizable coverage options, USAA also offers highly-rated customer service, claims handling and generous discounts.

Progressive

With Progressive, Savannah drivers can get access to helpful online tools, good coverages and steep savings opportunities. The average full and minimum coverage policies cost $1,946 and $767 a year, respectively. Most drivers can save an average of $145 by enrolling in the Snapshot safe driver program and find affordable policies using the Name Your Price Tool. Progressive also offers a long list of traditional discounts.

Cheapest car insurance in Savannah

Car insurance in Savannah is slightly more expensive than Georgia’s average rate. The average Georgia driver will pay $2,000 for full coverage insurance per year and $654 for minimum coverage insurance per year. The table below includes the cheapest car insurance rates in Savannah from the most popular carriers (based on market share):

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $473 $1,424
Geico $501 $1,689
State Farm $505 $1,458
Auto-Owners $545 $1,495
COUNTRY Financial $618 $2,040

Quadrant Information Services, 2020

Not all companies that offer cheap car insurance are equal in what each provides. For example, Geico and State Farm offer low rates, but limited coverage. USAA, on the other hand, offers affordable rates and comprehensive coverage options, but the company provides insurance exclusively to military members and veterans.

Drivers in Savannah may prefer to choose another auto insurance provider over COUNTRY Financial because the rates are more expensive. But the company also offers a variety of discounts, including special savings for first responders, teachers and engaged couples. COUNTRY Financial could be the cheapest option for drivers who qualify for those savings.

In terms of customer satisfaction, these five companies have varying rankings from J.D. Power. Geico, USAA and Auto-Owners are the only carriers that are rated above average for the Southeast region, which includes Georgia. State Farm is rated below average and COUNTRY Financial is not rated at all.

Savannah insurance requirements

In Savannah, drivers are required to carry at least 25/50/25 in personal liability coverage. This includes the following coverages:

  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per accident
  • $25,000 in property damage liability coverage per accident

Drivers in Savannah who purchase minimum coverage insurance pay the lowest rate. However, there is no guarantee that Savannah’s minimum insurance requirements will cover the full cost of an at-fault accident. Because of that, it is recommended that most drivers purchase coverage beyond the lowest limits.

In some cases, drivers in Savannah are required to carry full coverage car insurance. This is typically required for drivers who lease or finance their vehicles. Full coverage insurance is more expensive, but it offers additional protection and covers any damage that occurs to the vehicle, itself.

Car insurance discounts in Savannah

Most car insurance companies in Savannah offer discounts that can help drivers get a cheaper premium. Here are some common discounts in Georgia:

  • Claims-free: Most insurance companies offer a discount to drivers who have no prior insurance claims or accidents on their record from recent years, usually between three and five years.
  • Pay in full: Drivers who can afford to pay their annual insurance premium upfront and in full, rather than in monthly installments, often qualify for a discount.
  • Smart student: In Savannah, students who get good grades in school or maintain a minimum GPA can often get a discount on their insurance premiums.
  • Defensive driving course: Taking an approved defensive driving or driver training course usually helps drivers get a cheaper premium.

Frequently asked questions

What is the best car insurance company?

The best car insurance company varies from person-to-person. It depends on location, the amount and type of coverage needed, and the driver’s budget. Some of the highest-rated insurance companies are The Hartford, Erie, USAA, Geico, Nationwide, Amica and State Farm.

How much does car insurance in Savannah cost?

In Savannah, the average annual full coverage insurance premium is $2,043 and the average minimum coverage insurance premium is $743. However, every driver pays a slightly different rate based on factors like their age, credit score, claims history, the type of car they own, the age of the vehicle, the deductible and the amount of coverage.

How much car insurance do I need in Savannah?

Drivers in Savannah 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.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Rates are determined based on 2020 Quadrant Information Services data.