Cheapest Auto Insurance in Savannah, Georgia (2025)
Savannah drivers can find the cheapest rates with Progressive, which offers minimum-coverage policies starting at $98 per month.
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Savannah is considered the oldest city in the state of Georgia, with a historic district that takes you back in time. Its population, location, and accident rates all play a role in car insurance costs, which are higher than the average in the United States.
The overall average cost of car insurance in Savannah is $231 per month, according to Insurify data. That’s higher than the state average of $207 and the national average of $144.
But you may be able to find cheaper rates in Savannah by comparing quotes from multiple insurers.
Best car insurance companies in Savannah
If you’re looking for car insurance in Savannah, GA, you have plenty of options to choose from. You can secure basic liability insurance coverage, opt for full coverage, and find optional coverage types to meet your needs. For the most competitive rates and discounts, here are some of the top options for auto insurance in Savannah.
Best insurer for liability-only coverage: Auto-Owners
Best insurer for teen drivers: State Farm
Best insurer for full coverage: COUNTRY Financial
How to get the cheapest car insurance in Savannah
Savannah drivers looking for cheap car insurance should consider some of the following strategies:
Compare car insurance companies. If you find a good quote, don’t stop there. Gather quotes from a minimum of three auto insurance companies. Look at rates, discounts, benefits, and customer service ratings.
Bundle insurance policies. If you need other insurance products, such as renters insurance or homeowners insurance, most companies offer discounts if you bundle those policies.
Look for discounts. To lower rates, see which discounts you may qualify for at each insurer and compare how much you could save. “Many insurance providers offer discounts that can help reduce premiums,” Grizzle says. “Explore potential discounts, such as safe driving discounts, discounts for bundling multiple policies, or discounts for certain safety features in your vehicle. These opportunities can lead to significant savings.”
Drive safely. The best way to save money on car insurance rates is to stay safe and keep a spotless driving record. Wear your seat belt, follow speed limits, and drive defensively. Only get behind the wheel if you’re sober and energized. If not, use a rideshare service or public transportation.
Cheapest liability-only car insurance in Savannah: Progressive
Liability car insurance is a type of coverage the state mandates. By Georgia law, Savannah drivers must obtain certain limits in coverage that typically cover bodily injury and property damage liability.
It protects against liability if you injure someone or damage their vehicle in an accident, but it can leave you exposed, as it doesn’t cover you and your own vehicle.1 On average, liability-only coverage costs $188 per month in Savannah. Here are the cheapest options for liability-only car insurance in Savannah, GA.
Cheapest full-coverage car insurance in Savannah: Auto-Owners
While you can manage with just liability insurance required by Georgia law, you’ll receive more generous protections by getting full-coverage car insurance. Full-coverage car insurance includes not only liability insurance but also collision and comprehensive coverage. These additional coverages can pay to repair or replace your car in an at-fault accident, or a non-collision event. If you lease or finance your car, your leasing company or lender will require you to buy full-coverage car insurance to protect their investment.
Drivers in Savannah pay an average of $274 per month for full-coverage insurance.
If you want greater benefits with your insurance, consider these affordable full-coverage options in Savannah.
Car insurance requirements in Georgia
Drivers in Savannah must comply with Georgia’s minimum insurance requirements. This means getting bodily injury liability coverage at $25,000 per person and $50,000 per incident. Plus, you need $25,000 in coverage per incident for property damage liability.2
“Beyond the minimum requirements, evaluate additional coverage options based on your specific needs,” says Tyler Grizzle, a founding partner at GSP Insurance Group with offices in Georgia and South Carolina. “This may include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. Understanding the benefits and costs of each option can help you make informed decisions.”
It’s important to note that Georgia is an at-fault state. After an accident, fault will be assigned to a driver who’s responsible for the damage done to the other party and vehicle.
For further protection, drivers in Savannah should consider the following coverages:
Cheapest car insurance for drivers with an incident
Driving a vehicle is a major responsibility. It requires your total focus and energy — and in a split second, anything can happen. Incidents occur all the time, every day. They can include anything from minor fender benders to serious events, like receiving a speeding ticket or driving under the influence.
These incidents appear on your driving record, raise your risk profile, and typically come with increased car insurance premiums. In Savannah, drivers with moving violations face average monthly rates of $324 for full coverage and $223 for liability only. Read on to learn more about how these events affect rates and where to find affordable prices.
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Driving over the speed limit can put other drivers at risk and reduce your reaction time. If you drive above the posted speed limit and get pulled over, you’ll probably get a speeding ticket. How much you’ll pay depends on how fast you’re going, but your insurance rates will likely increase regardless of how much your ticket is.
A speeding ticket bumps Savannah’s average car insurance costs to $230 per month for liability-only coverage and $335 for full coverage. Below are the cheapest places to get insurance in Savannah after a speeding ticket.
Cheapest car insurance for drivers with an at-fault accident: Progressive
An at-fault accident is an unpleasant experience that affects more than just you and your car. It typically increases your premiums, too. Rates typically increase for about three years, according to the Insurance Information Institute (Triple-I).3
In Savannah, drivers with at-fault accidents face average monthly rates of $366 for full coverage and $251 for liability-only policies. Here are the top insurance companies in Savannah to consider if you’ve been in an accident.
Cheapest car insurance for drivers with a DUI: Mile Auto
Getting convicted of a DUI is a serious matter and can lead to a number of negative consequences. In Georgia, your first DUI can lead to a license suspension for a year, though you may be able to get it reinstated after 120 days if you meet certain requirements.4 On top of that, insurance rates can potentially double.
Savannah drivers with a DUI can expect averages of $441 per month for full coverage and $303 for liability only. Here are the cheapest car insurance options for drivers with a DUI in Savannah.
Cheapest car insurance for seniors: Mile Auto
Car insurance rates begin to decrease in adulthood at age 35 and continue downward steadily until you reach about 75. Seniors typically face rate increases because age presents additional risks in coordination and vision, but you can still find affordable insurance.5
On average, Savannah seniors pay $165 per month for liability-only coverage and $241 monthly for full coverage. Below are the most affordable insurers for seniors in Savannah, GA.
Cheapest car insurance for teens: Progressive
If you’re a teen or a parent of a teen, you might quickly realize that the average monthly cost of car insurance is much higher for young drivers. Teens’ lack of driving experience and higher tendency toward risky driving behaviors, like speeding or distracted driving, put them at a higher risk of accidents. Unfortunately, fatal accidents are the top cause of death among U.S. teens, according to the Centers for Disease Control and Prevention (CDC).6
For full-coverage car insurance, Savannah teens pay an average of $489 per month, while liability-only coverage costs $336 per month, on average. Look for insurance companies that offer a good student discount (you’ll typically need a B average or better) and stay on your parents’ policy to reduce costs. Below, find the cheapest monthly car insurance quotes for teens in Savannah.
Savannah car insurance quotes by credit tier
Insurance companies use various factors when determining your risk, including your credit history. Several states have outlawed this practice, but most states, including Georgia, still allow insurers to consider your credit and create a credit-based insurance score when assessing risk.7
Georgia drivers with excellent or good credit typically pay the lowest rates. On the other hand, drivers with poor credit may pay significantly more in Savannah.
Is car insurance more expensive in Savannah?
In Savannah, car insurance averages $231 per month overall, higher than both the state and national overall averages. Location is an important factor in car insurance rates, as weather events, accident rates, and vehicle crime rates all influence your likelihood of filing a claim.
More cities in Georgia
Car insurance rates can vary from city to city, and even by ZIP codes. Here’s how Savannah’s average monthly rates stack up against other Georgia cities.