How to find the cheapest car insurance in Savannah

On average, car insurance in Savannah costs about $137 per month for minimum coverage liability insurance, and about $244 per month for full coverage insurance. Savannah drivers pay about 32% more for full coverage than the Georgia state average.

There’s no finding the one and only cheap car insurance company in Georgia. Your ideal auto insurance provider depends on your driver profile, your credit score, your vehicle, and, of course, where you live! That’s why it’s essential to compare multiple quotes to find the best coverage at the most affordable price.

In Savannah, Jerry is the go-to destination for thousands of savvy car insurance shoppers. We’ve made it simple to compare and buy car insurance—without endless paperwork, phone calls, or confusion!

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Insurance Coverage	Has Full Coverage
Gainsco	$674	25	31405	Dodge Caliber Mainstreet	State Minimum	Yes
Progressive	$83	24	31419	Kia Sportage Lx	State Minimum	No
National General	$507	56	31419	Volkswagen Jetta Se	50/100	Yes
First Acceptance	$236	45	31404	Dodge Charger Sxt	State Minimum	No
The General	$729	32	31404	Dodge Challenger Sxt	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest Savannah car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.

Good drivers in Savannah can save up to 40% on their insurance, and with Jerry’s DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.

Customer	Driving Score	Insurance Savings	Has Violations	Insurance Coverage
Irvin, 25	92	33%	No	– State Minimum Liability – Minimum Coverage
Erick, 34	85	25%	No	– State Minimum Liability – Comp/ Collision
Billie, 44	92	39%	No	– 100/30 – Comp/Collision
Matthew, 54	77	23%	No	– State Minimum Liability – Comp/Collision
Angela, 64	74	20%	No	– 50/100 – Comp/Collision

Best car insurance companies in Savannah

Looking for the most competitive car insurance rates in Savannah? Jerry conducted one of the nation’s largest insurance shopping surveys to find the answer to that very question.

We discovered that GEICO and State Farm hold the biggest market shares, but they’re not necessarily the best insurers for every driver.

Drivers in Savannah rated smaller insurance companies like Clearcover, Gainsco, Safeco, and Mercury much higher than the big-name carriers. State Farm and GEICO scored 3.4 and 3.3 out of 5.0 for policy costs, while Mercury Auto scored a perfect 5.0 for both policy costs and customer service.

The table below shows how drivers in Savannah rated different companies on a scale of 0 to 5.

Insurance company	Overall rating	Price	Claims experience	Customer service
Progressive	4.4	4	4	4.4
State farm	4.2	3.6	4.5	4
Geico	3.9	3.2	3.6	4.1
Liberty Mutual	3.7	2.5	3	3.7
USAA	3.3	2.7	4	4.2

Best cheap car insurance quotes in Savannah

To comply with Georgia car insurance laws, all drivers in Savannah must carry liability car insurance. Liability insurance covers the costs of treatment, repairs, and replacements if you cause harm to someone else or their property while driving. You might also want to increase your coverage limits above the state minimum requirements in certain circumstances—which, we’ll argue, is most of them.

Cheap minimum liability insurance quotes in Savannah

The minimum liability coverage requirements in Georgia—and by extension, Savannah—are 25/50/25.

In other words, you’ll need to buy a policy that provides at least:

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

Sticking with the minimum required liability coverage often means paying the lowest rates. The average cost of a minimum liability policy in Savannah is around $137 a month—but shopping around can help you save.

Do you need more than minimum coverage in Savannah?

Drivers in Savannah should consider coverage that exceeds the 25/50/25 minimum required by the state.

In an at-fault accident in downtown Savannah, medical and vehicle repair expenses could easily add up, especially if someone is seriously injured. If anything exceeds your coverage limits, you’ll have to pay it out-of-pocket. Moreover, Georgia’s car accident laws allow injured parties to sue for a variety of damages up to two years after a collision.

The bottom line: Consider 50/100/50 or 100/300/100 liability coverage limits for better financial protection.

Cheap full coverage car insurance quotes in Savanna

There’s no law requiring full-coverage car insurance, but it provides a way to pay for repairs or replacements to your vehicle.

A full coverage policy includes collision coverage and comprehensive coverage. Collision insurance covers the costs of repairing or replacing your car following an accident with another vehicle or stationary object. Comprehensive coverage does the same thing, but it only applies to damages caused by theft, vandalism, or natural disasters.

If you have a car loan, your lender will require you to maintain collision and comprehensive coverage until you’ve paid off your car.

The average cost of a full coverage policy in Savannah is around $244 a month, but you can cut costs by using Jerry to find the lowest full coverage car insurance rates in Savannah.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Insurance Coverage	Has Full Coverage
Gainsco	$674	25	31405	Dodge Caliber Mainstreet	State Minimum	Yes
National General	$507	56	31419	Volkswagen Jetta Se	50/100	Yes
The General	$729	32	31404	Dodge Challenger Sxt	State Minimum	Yes
Bristol West	$547	34	31415	Gmc Terrain Slt	State Minimum	Yes
Assurance America	$310	31	31405	Hyundai Santa Fe Limited	State Minimum	Yes

Last Updated Dec 17, 2024

Using a car insurance comparison app or website is the fastest way to compare car insurance quotes online. With the Jerry app, you’ll be able to find savings and get the answers to all your questions from a team of 100+ licensed agents.

Average cost of car insurance in Savannah

After helping thousands of Savannah drivers find car insurance, we’ve found that the average cost of minimum liability coverage is around $137 a month, and the average cost of full coverage is around $244 a month.

Understanding the average insurance rates in Savannah can help you build a budget, but they aren’t the whole story. Every driver’s insurance premiums are determined by a ton of factors, including the type of car they drive, their driver profile, and their claims history. Don’t be surprised if you end up spending more—or less if you comparison shop!

Average cost of car insurance in Savannah by zip code

Zip codes not only indicate where your car insurance provider should send your bills but also how likely you are to file a claim.

Zip codes with high traffic, crime, or car accident rates (or all three) are considered “riskier” than others to insure. Here’s what drivers pay on average by zip code in Savannah:

Zip code	Average monthly insurance cost
31407	$142
31401	$148
31404	$149

Car insurance quotes in Savannah by rating factors

Various factors change how your car insurance premiums are calculated in Savannah, including:

• Your driving record and claims history: Accidents and tickets will increase your insurance rates.
• Your age: Insurers consider young drivers to be a higher risk due to their inexperience behind the wheel.
• Your vehicle: Luxury, high-performance, and sports cars are more expensive to insure.
• Your parking spot: If you park your car in a neighborhood with a high incidence of auto insurance claims, your rates will likely be higher.
• Your credit score: Drivers with bad credit scores often pay higher premiums than drivers with good credit scores for the same amount of coverage.

Cheap car insurance quotes in Savannah after driving violations

Driver violation points can have a significant impact on your insurance rates. The more points you have, the more high-risk your Georgia driving record. If you’re struggling to find affordable rates, here’s what to look for:

Cheapest car insurance in Savannah after speeding ticket

A Georgia speeding ticket will cost you anywhere between $25 to $700, but the expenses won’t end there.

Here’s what Georgia drivers pay on average after a speeding ticket:

• 11–20 mph over the speed limit: $155/month
• 21+ mph over the speed limit: $253/month

To find savings, you’ll need to compare car insurance quotes from as many providers as you can. Here’s how much Savannah drivers with speeding tickets paid with Jerry’s help:

Speeding Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Insurance Coverage	Has Full Coverage
Speeding Violation-Minor	The General	$729	32	31404	Dodge Challenger Sxt	State Minimum	Yes
Speeding Violation-Minor	Progressive	$155	52	31419	Nissan Versa Sv	State Minimum	Yes
Speeding Violation-Minor	National General	$264	36	31405	Kia Optima Ex	State Minimum	No
Speeding Violation-Minor	Bristol West	$359	43	31404	Jeep Compass Sport	State Minimum	No
Speeding Violation-Minor	National General	$250	28	31419	Genesis G80 Base	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest car insurance in Savannah after DUI

Committing a DUI in Georgia comes with longer-lasting consequences than a ticket, a jail sentence, and a license suspension. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums for many years.

In Georgia, drivers pay around $181 a month for car insurance after a DUI.

If you have a DUI on your record, it’s important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Savannah even after a DUI conviction.

Cheapest car insurance in Savannah after an at-fault accident

A few at-fault accidents in your driving history can add many more dollars to your monthly car insurance bills. Auto insurance providers use your Georgia driving record to predict how many claims you might make (and how much money you could cost the company); if you appear to be a high-risk investment, they’ll charge you high premiums.

Savannah drivers pay an average of around $228 a month for car insurance after an at-fault accident.

With Jerry’s help, drivers in Savannah found savings with these companies after their at-fault accident:

Accident Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Insurance Coverage	Has Full Coverage
At Fault With No Injury	First Acceptance	$236	45	31404	Dodge Charger Sxt	State Minimum	No
At Fault With No Injury	The General	$729	32	31404	Dodge Challenger Sxt	State Minimum	Yes
Not At Fault	Assurance America	$310	31	31405	Hyundai Santa Fe Limited	State Minimum	Yes
Not At Fault	First Acceptance	$105	39	31419	Ford Mustang	State Minimum	No
Not At Fault	Gainsco	$742	23	31407	Nissan Altima Sr	State Minimum	Yes

Last Updated Dec 16, 2024

Cheapest car insurance in Savannah after other driving violations

Other moving violations, such as driving without a license, stunt driving, or reckless driving in Georgia come with their fair share of car insurance woes. If you’ve been hit with traffic tickets and high premiums, here are some of the best companies in Savannah to check for savings:

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Insurance Coverage	Has Full Coverage
Suspension	Assurance America	$649	32	31415	Ram 1500 Slt	State Minimum	Yes
Failure to Yield	National General	$210	31	31405	Nissan Kicks Sv	State Minimum	Yes
Driving on Sus. License	Progressive	$94	44	31406	Oldsmobile 88	State Minimum	Yes
Ticket Violation Not Listed	First Acceptance	$132	33	31415	Ford Expedition Xlt	State Minimum	No
Illegal Turn	Bristol West	$1,544	25	31419	Honda Accord Lx	State Minimum	Yes

Last Updated Dec 17, 2024

Cheap car insurance quotes in Savannah by age

Car insurance rates follow an inverse bell curve as you age—they start high when you’re a teen driver, drop in the middle, and then rise again as you become a senior driver.

Cheapest car insurance in Savannah for young drivers

In general, teen drivers between 16 and 19 pay the highest insurance rates of any demographic because they are the most likely to be involved in a car accident.

Savannah drivers under the age of 21 could pay around $423 a month for minimum liability coverage and $520 a month for full coverage. However, those costs are about 41% lower for young drivers who remain on a parents’ policy.

If you’ve got a young driver on your insurance policy, consider investing in full-coverage car insurance. You can offset the extra cost by shopping with Jerry for the cheapest car insurance for young drivers in Savannah.

Cheapest car insurance in Savannah for senior drivers

Car insurance rates for senior drivers climb after their 70th birthday for several reasons:

• They may experience a decline in vision, hearing, and reaction time
• They are at an increased risk of being involved in a car accident
• They are more likely to suffer severe injuries in a collision

The best car insurance companies for seniors in Savannah offset these risks with plenty of savings, including safe driver discounts, reduced usage discounts, and telematics programs.

On average, drivers 65 and up in Savannah pay around $138 a month for minimum liability insurance and around $173 a month for full coverage. Here are some real quotes Jerry found for senior drivers in Savannah.

Cheap car insurance quotes in Savannah based on insurance history

Insurance providers consider you a high-risk driver if you drove without car insurance in the past, ie. you were an uninsured motorist. As you can guess, a car insurance lapse can raise your insurance rates—you’ll pay an average of around $221 for car insurance in Savannah after a lapse.

With Jerry’s automatic reminders, you can find a fresh start at a new company and remember your payments. You’ll receive a detailed price comparison when it’s time to renew so you can see if your current rates are still the most competitive in Savannah.

Cheap car insurance quotes in Savannah for drivers with poor credit

Making your payments on time is as important to auto insurance companies as driving safely. Savannah drivers with a score under 600 pay an average of 25% more for their car insurance than drivers with Good or Excellent credit.

However, you can make up the difference by shopping around with Jerry’s quick quote-comparing app.

Credit Range	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Insurance Coverage	Has Full Coverage
<550	First Acceptance	$236	45	31404	Dodge Charger Sxt	State Minimum	No
550-659	The General	$729	32	31404	Dodge Challenger Sxt	State Minimum	Yes
550-659	Bristol West	$547	34	31415	Gmc Terrain Slt	State Minimum	Yes
<550	First Acceptance	$197	33	31415	Ford Focus Se	State Minimum	No
550-659	National General	$161	32	31408	Toyota Rav4 Adventure	State Minimum	Yes

Last Updated Dec 16, 2024

Cheap car insurance quotes in Savannah for popular cars

Your vehicle plays an important role in determining your annual insurance premiums. High safety ratings and vehicle anti-theft devices make your car safer to drive, harder to steal, and cheaper to insure.

These five models won the Savannah popular vote with high scores in all three categories:

• Chevrolet Silverado
• RAM 1500 Limited
• Ford F-150
• Toyota Tacoma
• Toyota RAV 4

Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Insurance Coverage	Has Full Coverage
Ford F-150	First Acceptance	$141	63	31419	State Minimum	No
Ford F-150	Progressive	$455	22	31405	50/100	Yes
Ford F-150	National General	$135	34	31410	50/100	Yes
Ford F-150	Progressive	$328	39	31407	State Minimum	No
Chevrolet Silverado C1500	National General	$113	42	31419	State Minimum	No

Last Updated Dec 17, 2024

How to lower car insurance costs in Savannah

1. Shop around and compare quotes

Unless you compare auto insurance quotes, you can’t be 100% sure that you’re getting the best deal. Experts recommend shopping for car insurance quotes from at least three different companies every six months.

It may seem like a huge task, but Jerry makes it quick! Sign up in 45 seconds and compare five to seven quotes in less than a minute. You get all the benefits of comparison shopping without having to invest any time or money.

2. Hunt for car insurance discounts

Getting the right car insurance discount can transform a good rate into a great one. You could save by joining a program for:

• Good drivers. If you’ve held a clean driving record for at least three years, you’re due for some sweet discounts.
• Telematics device users. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
• Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.