Best Cheap Auto Insurance in Savannah, GA (2021)

Savannah, GA auto insurance rates average $430 per month or $5,166 per year. You’ll find the cheapest Savannah, GA car insurance from USAA and GEICO. Savannah, GA traffic, crime rates, and even weather can affect your rates. Personal factors like your age, gender, and ZIP code have the most significant effect on rates. The best way to find affordable Savannah, GA auto insurance is to compare quotes from at least three different companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 26, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • USAA and GEICO are the cheapest auto insurance companies in Savannah, GA
  • The average rate for car insurance in Savannah, GA, is $430 per month
  • You’ll need to carry minimum coverage of at least 25/50/25 to drive in Savannah, GA legally

If you live in Savannah, GA, you need to know the car insurance requirements and rates you’ll pay to drive legally. So what is the best car insurance in Savannah? What are average Savannah, GA auto insurance rates? How can you save on Savannah, GA auto insurance?

You’ve come to the right place. You can find cheap auto insurance by comparing rates from multiple companies, asking about discounts, and more. Read this article for the information and tips you need to save on Savannah, Georgia auto insurance.

Ready to find affordable Savannah, GA auto insurance? Enter your ZIP code in our free tool to start comparing Savannah, GA car insurance rates right now.

What is the cheapest auto insurance company in Savannah, GA?

When you’re looking to buy Savannah, GA auto insurance, you need to know which Savannah, GA car insurance company offers the cheapest coverage. USAA and GEICO offer the lowest rates in Savannah, but we’ve also pulled rates from some of the other major companies in the area for your review.

The top Savannah, GA car insurance companies, ranked from cheapest to most expensive are:

  • USAA – $3,099.83
  • GEICO – $3,344.62
  • State Farm – $3,548.57
  • Allstate – $4,283.10
  • Progressive – $5,086.26
  • Nationwide – $6,657.01
  • Liberty Mutual – $10,140.19

These numbers are a good baseline, but what you pay will vary based on several factors, including your age, marital status, coverage amount, credit score, driving history, and more.

Additionally, these rates are specific to Savannah, so if you live (or move to) Columbus, GA, for example, these rates may change.

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What auto insurance coverage is required in Savannah, GA?

As a Savannah resident, you’ll need to meet the minimum coverage requirements set in Georgia to drive legally.

Georgia requires resident drivers to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist bodily injury
  • $25,000 per person with a deductible of $250, $500, or $1,000 for uninsured/underinsured motorist property damage

Georgia is an at-fault state, meaning whoever is at fault in an accident is financially responsible for the resulting damages and injuries. You may want to carry more than the state minimum to save on out-of-pocket costs.

What affects auto insurance rates in Savannah, GA?

External factors like crime rate and traffic can affect your insurance rates, and to give you the information you need to make an informed decision, we’ve compiled some basic Savannah, GA driving facts.

According to INRIX, Savannah is the 209th most congested city in the U.S.

Recent auto theft statistics from the FBI indicate that an average of 387 vehicles are stolen per 100,000 population in the Savannah-Chatham metropolitan area (statistics for Savannah alone were not available).

Savannah, GA Auto Insurance: The Bottom Line

The easiest way to find affordable Savannah, GA car insurance is to compare Savannah, GA auto insurance quotes from multiple companies and ask about discounts.

Before you go, enter your ZIP code in the free tool on this page to start comparing Savannah, GA car insurance quotes today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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