In 2019, there were 30 fatal car accidents reported in Chatham County, where Savannah is located. The good news is that since 2015, when there were 54 fatal car accidents in Chatham County, this number has been steadily decreasing.
Every driver in Savannah is required to carry car insurance in order to assure they can meet their legal and financial responsibility if they cause an accident. The average full coverage car insurance premium in Savannah is $2,013 per year and the average minimum coverage car insurance premium is $845 per year.
Car insurance in Savannah is more expensive than Georgia’s statewide average, which may in part be due to Savannah being one of Georgia’s largest cities. As of 2019, there were over 7.25 million licensed drivers in the state of Georgia, and Savannah alone has an estimated population of more than 144,000 people. However, based on Bankrate’s extensive experience and research capabilities, we identified several insurance companies in Savannah that offer cheap affordable rates. These providers offer good coverage options, generous discounts, strong financial ratings and a variety of online tools and resources.
Best cheap car insurance companies in Savannah
Based on Bankrate’s 2021 study, the five best cheap car insurance companies in Savannah include 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. While these car insurance companies may be useful for the sake of comparison, your own rates or coverage needs may lend one provider a better fit over another. Comparing quotes and coverage options for your circumstances will help you determine the best provider.
|Insurance company||J.D. Power score||Average annual premium for minimum coverage||Average annual premium for full coverage|
Auto-Owners is a great option for Savannah drivers who are looking for robust coverage at an affordable price. The average annual full coverage premium with Auto-Owners is $1,536 and the average minimum coverage premium is $595 annually. Drivers can purchase all standard 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.
Geico is also an affordable car insurance provider in Savannah, with an average full coverage premium of $1,778 per year and an average minimum coverage premium of $536 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.
With Progressive, Savannah drivers can get access to helpful online tools, good coverages and good savings opportunities. The average full and minimum coverage policies cost $1,942 and $838 a year, respectively. Most drivers can save significantly 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.
State Farm is the largest car insurance provider in the country, with over 16% of the total market share for premiums written in 2020. In Savannah, the average full coverage policy from State Farm costs $1,455 annually and the average minimum policy costs $554 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 is considered by some to be among the best insurance companies on the market. However, drivers must be active duty military members or veterans or members of their families in order to qualify for coverage. In Savannah, the average USAA full coverage policy costs $1,382 per year and the average minimum coverage policy costs $516 per year. In addition to customizable coverage options, USAA also offers highly-rated customer service, claims handling and generous discounts.
Cheapest car insurance in Savannah
Car insurance in Savannah is only slightly more expensive than Georgia’s average rate. The average Georgia driver will pay $1,982 for full coverage insurance per year. The same coverage in Savannah will cost $2,013 annually. 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|
Not all companies that offer cheap car insurance are comparable in the coverage they provide. For example, Geico and State Farm typically offer lower rates, but coverage is more limited. USAA, on the other hand, usually offers affordable rates and more comprehensive coverage options, but the company only provides insurance exclusively to current and former military members and their families.
Drivers in Savannah may prefer to choose another auto insurance provider over Auto-Owners because the rates are more expensive. But the company also offers a variety of discounts, including special savings for loyal customers, teen good drivers and students. If you qualify for these or other discounts, Auto-Owners may offer an inviting affordable option.
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 849, the average for the Southeast region, which includes Georgia. USAA scores the very highest in the region at 909. However, due to USAA’s restrictive membership criteria, J.D. Power does not include the insurer in its actual rankings.
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.
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.
It is fairly easy and beneficial to take full advantage of “administrative” discounts, such as paperless billing and automatic payments. Also, make sure you avail yourself of senior discounts, good student discounts, vehicle safety discounts and others that relate to basic driver and vehicle characteristics as applicable to your situation. However, you will likely receive the most significant discounts in Georgia by remaining accident and ticket free.
Frequently asked questions
What is the best car insurance company?
There is no single best car insurance company for everyone, as coverage requirements vary from person to person. It depends on location, the amount and type of coverage needed, and the driver’s budget. The best course is to select several of the best companies in Savannah and obtain quotes from each. Comparing these will give you the best choice of the car insurer which can meet your needs.
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.
Can I save money by eliminating collision coverage?
Yes, but without collision coverage, you will be fully responsible for the entire cost of repair or replacement of your car if it is damaged in an accident which you cause. There may be instances where you have a very old vehicle and this may be a viable option. If you are certain that you will not spend a significant amount to repair an inexpensive vehicle but rather will buy a new one, you may want to consider reducing your collision coverage.
Bankrate utilizes Quadrant Information Services to analyze 2021 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 base profile drivers own a 2019 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.