Savannah, GA Car Insurance

Explore average premiums in Savannah, Georgia, and the best ways to save on auto insurance.

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What's the average cost of car insurance in Savannah?

 

Car insurance costs an average of $1,705 per year in Savannah. That's more than the average across Georgia ($1,609) and more expensive than the national average of $1,548. Our guide to Savannah auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
CAR INSURANCE RATES IN SAVANNAH
Savannah Average (annual)Georgia AverageNational Average
$1,705$1,609$1,548
 
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Savannah car insurance premiums by company

 

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Savannah, Georgia Farm Bureau offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Savannah. Don't forget to get car insurance quotes based on your unique driving profile.

 
SAVANNAH CAR INSURANCE PREMIUMS BY COMPANY
CompanyAverage Yearly Rate
Georgia Farm Bureau$1,047
USAA$1,275
State Farm$1,564
GEICO$1,872
Progressive$2,071

 

Check out our guide to learn how to find the best cheap car insurance.

 

 

Savannah car insurance costs by age

The best age for car insurance rates as a driver in Savannah is your 50s: drivers in this age group pay an average of $1,491 per year. Drivers in their 60s pay marginally higher rates — $1,542 per year.

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 CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$6,964
20s$2,356
30s$1,691
40s$1,614
50s$1,491
60s$1,542
70s$1,940
 

Learn more about the impact of age on car insurance premiums.

 

 

Savannah car insurance rates by gender and marital status

 

In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers usually pay less for car insurance than their single counterparts. In Savannah, married motorists pay $203 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Savannah, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Savannah, female drivers pay $6 per year more than do male drivers for car insurance.

 
SAVANNAH CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,711
Male$1,705
Single$1,502
Married$1,502
Divorced$1,705
Widowed$1,595
 

Learn more about how gender and marital status have on car insurance rates.

 

 

Savannah auto insurance costs by accident and citation history

 

Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, 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 $1,324per year in insurance premiums.

 
SAVANNAH CAR INSURANCE RATES AFTER A COLLISION OR CITATION
IncidentAverage Annual Rate
DWI/DUI$3,028
Reckless Driving$2,633
At-fault Accident (damages less than $1,000)$2,402
At-fault Accident (damages greater than $2,000)$2,681
Speeding Ticket (16-20 mph over speed limit)$2,170
 

Learn more about citations' impact on your auto insurance rates.

 

 

Savannah car insurance rates by credit tier

 

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 $1,045 decrease in annual car insurance rates.

 
SAVANNAH CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit TierAverage Annual Rate
Very Poor$2,982
Fair$1,937
Good$1,705
Very Good$1,606
Exceptional$1,465
 

Learn more about the relationship between poor credit and car insurance.

 

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.