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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 Average||National Average|
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
|Company||Average Yearly Rate|
|Georgia Farm Bureau||$1,047|
For more information, see our guide to finding the best cheap car insurance as well as our list ranking car insurers by customer satisfaction rating.
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 bracket||Average Yearly Rate|
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/Gender||Average Yearly Rate|
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
|Incident||Average Annual Rate|
|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|
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 Tier||Average Annual Rate|
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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 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.