Best Cheap Auto Insurance in Savannah, GA (2021)

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.

Monthly Savannah, GA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Savannah, Georgia auto insurance rates by ZIP Code below:

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Savannah, GA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Savannah, Georgia stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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.

Which Savannah, GA car insurance company has the best rates? And how do those rates compare against the average Georgia car insurance company rates? We’ve got the answers below.

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.

Savannah, GA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

Your coverage level will play a major role in your Savannah car insurance rates. Find the cheapest Savannah, GA car insurance rates by coverage level below:

Your credit score will play a significant role in your Savannah car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Savannah, GA car insurance rates by credit score below.

Your driving record will play a major role in your Savannah car insurance rates. For example, other factors aside, a Savannah, GA DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Savannah, GA car insurance rates by driving record.

Factors affecting car insurance rates in Savannah, GA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Savannah, Georgia car insurance.

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. GA does use gender, so check out the average monthly car insurance rates by age and gender in Savannah, GA.

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.

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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.