Author profile picture

Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Savannah?

Car insurance costs an average of $852 every six-months in Savannah. That's more than the average across Georgia ($804) and more expensive than the national average of $880. Our guide to Savannah auto insurance includes average rates based on age, credit score, and other factors in Savannah. Read on to learn more!


Car insurance in Savannah vs. Georgia Average 6 Mo. Premium
Savannah average $852
Georgia average $804

The Zebra's key takeaways about car insurance in Savannah:

  • The average cost of a car insurance policy in Savannah is $852 per six-month policy — $142 per month.
  • The cheapest company in Savannah is Georgia Farm Bureau ($523).
  • 37% of Zebra customers in Savannah stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

Location pin icon
No junk mail. No spam calls. Free quotes.

Savannah car insurance rates by company

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Savannah, Georgia Farm Bureau offers the cheapest rates for the average insurance customer. We've listed the best cheap car insurance companies in Savannah below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

Cheapest car insurance companies in Savannah, GA
Company Avg. 6 Mo. Premium
Georgia Farm Bureau $523
USAA $637
State Farm $782
GEICO $936
Progressive $1,035

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.

Shop around for the best rates

The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Savannah.

Location pin icon
No junk mail. No spam calls. Free quotes.

Savannah auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 29% of Savannah drivers. The best age for car insurance rates as a driver in Savannah is your 50s: drivers in this age group pay an average of $745 per six-months. Drivers in their 60s pay marginally higher rates — $771 every six-months.

Teenage drivers pay Savannah's most expensive insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Savannah is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Savannah is $4,609, the largest such difference between any two age groups.

Savannah auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $3482
20s $1,178
30s $845
40s $807
50s $745
60s $771
70s $970

Savannah car insurance rates by credit score

It's no secret credit score is closely correlated with auto insurance rates. In fact, Savannah drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 51% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Savannah, improving your credit to "Fair" could help you earn a $522 decrease in six-month car insurance rates. Our data tells us 40% of drivers in Savannah have a credit score of average (580-679). 

credit score
Savannah auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,491
Fair $968
Good $852
Very Good $803
Exceptional $732

Savannah car insurance rates by violation

Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, DUIs and DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Savannah drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $928 per year versus the city average. A ticket for speeding results in a $465 rate hike, on average, while a DUI violation costs $1,324 per year in insurance premiums.

Savannah auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DWI/DUI $1,514
Reckless Driving $1,316
At-fault Accident (damages less than $1,000) $1,201
At-fault Accident (damages greater than $2,000) $1,340
Speeding Ticket (16-20 mph over speed limit) $1,085

Compare over 100 insurance companies at once!

Location pin icon
No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.