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Based on an analysis by Insure.com, the typical car insurance expense in Savannah, Georgia is $2,164 annually. Furthermore, car insurance premiums in Savannah are $194 more than compared to the state average in Georgia and $269 more than the national average.

Graph
Table
City average ratesState average ratesNational average cost
$2,164$1,970$1,895

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Savannah, the average car insurance rates by age and gender, and the costs in Savannah based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Savannah. Keep reading to learn more.

Key Takeaways

  • The annual cost of car insurance in Savannah, Georgia is $2,164.
  • Auto-Owners provides the most affordable car insurance in Savannah at $1,545 annually.
  • Young adults in Savannah can expect to pay approximately $3,384 annually for car insurance.

Cheap car insurance companies in Savannah

Auto-Owners provides the best value for car insurance in Savannah with coverage limits of 100/300/100, costing $1,545 annually.

A close second is Central Insurance, which offers car insurance at $1,782 per year.

Affordable car insurance providers in Savannah

Graph
Table
Company NameAverage annual costAverage monthly cost
Auto Owners$1,545$129
Central Insurance$1,782$148
Country Financial$1,832$153
Progressive$1,843$154
Allstate$2,015$168
Geico$2,236$186
Mercury Insurance$2,502$209
State Farm$2,533$211
Safeway Insurance$3,807$317
USAA$1,545$129

Read about the best car insurance companies.

Average car insurance cost in Savannah by coverage limits

In Savannah, the average car insurance rates based on coverage types are as follows:

  • State minimum coverage: $628 per year (limits are 25/50/25)
  • Liability only coverage: $914 per year (limits are 50/100/50)
  • Full coverage: $2,164 per year (limits are 100/300/100)
  • Non-owners coverage: $378 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Savannah

The average car insurance per year for female drivers in Savannah, Georgia, is $2,169.

Whereas the yearly average car insurance rate for male drivers is $2,159, which is $10 less than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Savannah

In Savannah, car insurance rates are highest for teens, averaging $6,581 per year or $548 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $3,384 annually for their car insurance, which is $3,197 less than what teens pay for their coverage.

In Savannah, adult drivers pay an average of $2,152 per year for car insurance, while senior drivers pay $2,219 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rates by age groups in Savannah

Graph
Table
Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)
$6,581$3,384$2,152$2,219

Examining the trends in car insurance rates in Savannah, Georgia it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 21%, or $373.

The table below shows the trend for last four years:

How car insurance rates are changing in Savannah

Graph
Table
2016 rates2019 rates2022 rates2023 rates
$1,410$2,069$1,791$2,164

Conclusion

Car insurance rates in Savannah are higher than the average rates in Georgia. Drivers in Savannah can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.

Sources

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is car insurance in other cities

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Prachi Singh
Contributing Researcher

 
  

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.

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