There were 30 fatal car crashes in Chatham County where Savannah is situated, in 2019. This is a good thing because since 2015, there have been 54 fatal car accidents in Chatham County.
Savannah drivers are required to have car insurance to protect themselves financially and legally in the event of an accident. Savannah’s average car insurance premium for full coverage is $2,013 annually and $845 for minimum coverage.
Savannah’s car insurance is more expensive that the average Georgian. This may be partly due to Savannah’s size. In Georgia, there were more than 7.25 million drivers. Savannah has an estimated population of over 144,000. Based on Bankrate’s vast experience and research, we found several Savannah insurance companies that offer affordable rates. These providers provide excellent coverage options, generous discounts and strong financial ratings. They also offer a range of online tools and resources.
Savannah’s best car insurance company
According to Bankrate’s 2021 study Geico, Auto-Owners State Farm, USAA, and Progressive are the best affordable car insurance companies in Savannah. These providers were chosen based on their average annual premiums and discount options, coverage, customer satisfaction ratings, financial strength scores, and financial strength scores. These car insurance companies are useful for comparison purposes, but your rates and coverage requirements may make one provider a better match than another. You can compare quotes and the coverage options to find the best provider.
Auto-Owners
Savannah drivers looking for affordable coverage and strong coverage should consider Auto-Owners. Auto-Owners’ average annual full coverage premium is $1,536. The average minimum coverage premium for the year is $595. All standard coverages are available to drivers. This includes protection for lock replacements and coverage for cell phones. You can also take advantage of some common discounts to save even more.
Geico
Geico is an affordable provider of car insurance in Savannah. The average full coverage premium for Geico is $1,778 per annum and the average minimum coverage premium per annum are $536. Geico offers basic policies with limited customization options. Geico offers a variety of discount including savings for federal employees and military personnel, as well as employee and member groups, smart students, and being completely claims-free.
Progressive
Progressive offers Savannah drivers access to online tools, great coverages, and savings opportunities. Average full and minimum coverage policies cost $838 per year and $1,942, respectively. Many drivers can save significant money by signing up for the Snapshot safe driving program. You can also use the Name Your Price tool to find affordable policies. Progressive offers many traditional discounts.
State Farm
State Farm is the biggest car insurance provider in the United States, accounting for more than 16% percent of total premiums in 2020. The average Savannah full coverage policy from State Farm is $1,455 per year, while the average minimum policy is $554 per annum. You can save money on your driving expenses by signing up for one of State Farm’s safe driver rewards programs or Drive Safe & Save to adults for young drivers.
USAA
Some consider USAA to be one of the top insurance companies. To be eligible for coverage, drivers must be veterans, active duty military personnel or their immediate families. The average USAA full coverage policy in Savannah costs $1,382 per annum, while the average minimum coverage policy is $516 per annum. USAA offers customizable coverage options as well as claims handling, excellent customer service and generous discount.
Savannah has the lowest car insurance
Savannah’s average rate for car insurance is slightly higher than Georgia’s. Full coverage insurance will cost $1,982 per year for the average Georgia driver. Savannah’s same coverage will cost you $2,013 per year. Below is a table that shows the lowest Savannah car insurance rates (based on market share).
There are many companies offering cheap car insurance that provide the same coverage. Geico and State Farm offer lower rates but less coverage. USAA, however, offers more comprehensive coverage options and affordable rates, but it only insures current and former military personnel and their families.
Savannah drivers may choose to go with another provider for auto insurance than Auto-Owners due to the higher rates. The company offers a range of discounts including savings for loyal customers and students. These and other discounts may be available to you if you are eligible.
These five companies received varying ratings from J.D. Power. Geico, USAA, and Auto-Owners are all carriers that have been rated higher than 849, which is the Southeast region average, Georgia. USAA is the highest-scoring carrier in the region with 909. J.D. Power does not include USAA due to its restrictive membership criteria. Power doesn’t include the insurer in its actual rankings.
Savannah insurance requirements
Savannah drivers must have at least 25/50/25 personal liability coverage. The following coverages are included:
- $25,000 bodily injury liability coverage per individual
- $50,000 bodily injury liability coverage per accident
- $25,000 per accident in property damage liability coverage
Savannah drivers who have minimum coverage insurance will pay the lowest rates. There is no guarantee that Savannah’s minimum coverage insurance will cover all the costs of an at-fault incident. It is therefore recommended that drivers buy coverage that goes beyond the minimum requirements.
Savannah drivers may be required to have full coverage car insurance. For drivers who lease or finance vehicles, this is a requirement. Although full coverage insurance can be more costly, it provides additional protection and covers any vehicle damage.
Savannah car insurance discounts
Many car insurance companies in Savannah offer discounts to help drivers save money on their premiums. These are some of the most common Georgia discounts:
- No claims: Many insurance companies offer discounts to drivers who don’t have any insurance claims or accidents in recent years. This is usually anywhere from three to five years.
- Full payment: Drivers who are able to afford their annual insurance premium upfront, and not in monthly installments, may be eligible for a discount.
- Smart student: Students who do well in school and maintain a minimum GPA are eligible for a discount on their insurance premiums.
- Driver training or defensive driving courses: Drivers who take approved defensive driving or driver training courses often get a lower premium.
It’s easy to get full benefit of administrative discounts such as paperless billing or automatic payments. You should also make use of senior discounts, student discounts, vehicle safety discount, and other discounts that are applicable to your vehicle and driver characteristics. You will receive the best discounts in Georgia if you are accident- and ticket-free.
Questions frequently asked
Which is the best auto insurance company?
There is no one best car insurance company because everyone’s coverage needs are different. It all depends on where you live, what coverage is needed and how much money the driver has. It is a good idea to compare quotes from several companies in Savannah. These will help you make the right choice about the car insurance that meets your needs.
What is the cost of car insurance in Savannah?
Savannah’s average annual full-coverage insurance premium is $2.043, while the average minimum coverage premium is $743. Each driver will pay a different rate depending on their credit score, claims history and age.
What amount of car insurance do you need in Savannah?
Savannah drivers are legally required by law to have at least 25/50/25 personal liability coverage. Drivers who drive a leased vehicle or finance it may have to purchase full coverage insurance.
Can I reduce the cost of collision coverage?
However, without collision coverage, your car will not be covered for any damage or replacement costs if it is involved in an accident. This may be an option if your vehicle is very old. You may consider reducing your collision coverage if you’re certain you won’t spend too much to fix a cheap vehicle and will instead buy a new one.
