Car Insurance in Savannah
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Car Insurance in Savannah, GA
Savannah, Georgia, is home to around 150,000 people, making it the fifth most populous city in the state. Understanding car insurance costs in Savannah is the best way to enjoy its picturesque streets and storied neighborhoods.
Driving in Savannah is a great way to see everything from the live oaks draped in Spanish moss to its many charming squares to the hustle and bustle of River Street. Making sure you've got the right car coverage in Savannah gives you peace of mind to get around the city worry-free.
From its historic district, Forsyth Park, the serenity of Bonaventure Cemetery, or the almost tropical beauty of Tybee Island, having comprehensive car insurance in Savannah can help you enjoy everything the city has to offer.
It's important to note that things like your zip code, age, and the car you drive can affect your insurance rates. Compare car insurance quotes in Savannah to find the best deals. Keep reading for more information.
How much is car insurance in Savannah, GA?
The total cost of car insurance in Savannah will depend significantly on the type of coverage you're looking for. For a rough sense of the cost, here are the average prices we see for the 3 most common types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Savannah?
Ranking and evaluating the insurance costs for every car make, model, and year in the city can be rather difficult. However, if you're interested in finding out which newer models are generally more affordable to insure, here are the top 10 most cost-effective car makes and models to consider in Savannah:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $164 |
| 2 | Honda Cr-V | $169 |
| 3 | Dodge Grand Caravan | $172 |
| 4 | Toyota Rav4 | $174 |
| 5 | Kia Sedona | $176 |
| 6 | Honda Odyssey | $177 |
| 7 | Kia Sol | $178 |
| 8 | Ford Escape | $179 |
| 9 | Ford F-150 | $181 |
| 10 | Toyota Corolla | $183 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
If you've had a minor fender bender, a serious crash, a couple of speeding tickets, a DUI, or hit and run – understand that it could all make a difference to how much you're paying to stay insured in the city. Below is a breakdown of how prices change with common claims and violations in Savannah, sorted from least to most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $174 | 0% |
| Not at-fault Accident | $176 | +1% |
| Speeding Ticket | $217 | +25% |
| Driving with expired registration | $217 | +25% |
| At-fault Accident | $276 | +59% |
| Driving with a suspended license | $279 | +60% |
| DUI | $291 | +67% |
| Hit and Run | $303 | +74% |
What car insurance discounts can I get in Savannah?
There are various discounts that can help reduce your insurance expenses in Savannah. These include bundling multiple policies, paying in full upfront, opting for paperless transactions, and receiving renewal discounts for loyalty. The list below, ordered from the most significant to the least, highlights potential ways to save on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $150 | +$24 |
| Paid in Full | $162 | +$12 |
| Low Mileage | $163 | +$11 |
| Multi-Policy Renters | $166 | +$8 |
| Renewal discount | $170 | +$4 |
| Electronic Funds Transfer | $171 | +$3 |
| Paperless | $173 | +$1 |
| None | $174 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.