+120 more*These quotes are from Compare.com users in and around Savannah, Georgia within the last 10 days. Updated on September 15, 2026
*These quotes are from Compare.com users in and around Savannah, Georgia within the last 10 days. Updated on September 15, 2026
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
Car insurance in Savannah costs an average of $214 per month, according to our data. Local drivers face unique insurance challenges due to Savannah’s coastal location, tourism traffic, and higher-than-average accident rates. For example, the Georgia Department of Transportation reported 7,455 crashes in Savannah in 2024, resulting in 14 fatalities and 2,236 injuries.[1] These factors contribute to the city’s insurance pricing.
But many insurance companies have rates well below the citywide average, with Auto-Owners, State Farm, and Country Financial offering the most affordable options. The cheapest rates in the city start at $91 per month.
In this article, we’ll cover the cheapest insurers for various driver types, how to pick the right company for your needs, and practical tips for saving on your car insurance.
Auto-Owners offers the cheapest car insurance in Savannah, with an average monthly rate of $91.
Savannah drivers pay a monthly average of $172 for liability insurance and $257 for full coverage.
Georgia requires drivers to have a minimum of 25/50/25 liability coverage.[2]
Despite the city’s average rates, you can find affordable car insurance options in Savannah. Several companies offer coverage well below the citywide average, giving you plenty of opportunities to save.
The table below shows the cheapest insurance companies in Savannah, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $91 |
| State Farm | $97 |
| Country Financial | $99 |
| Mile Auto | $110 |
| USAA | $114 |
| Progressive | $118 |
| Foremost | $140 |
| Mercury | $154 |
| Root | $171 |
| Bristol West | $174 |
| GEICO | $175 |
| Clearcover | $178 |
| GAINSCO | $189 |
| Direct Auto | $190 |
| Allstate | $191 |
| The General | $194 |
| AssuranceAmerica | $198 |
| Safeco | $209 |
| Trexis One | $214 |
| National General | $215 |
| Mendota | $225 |
| Insurify Car | $230 |
| First Acceptance | $232 |
| Trexis | $233 |
| Excepsure | $238 |
| Hugo | $328 |
| Liberty Mutual | $375 |
Auto-Owners stands out as Savannah’s most affordable option, with an average monthly liability rate of $91.
The following sections break down the cheapest companies by different factors that might affect your premiums.
Your personal rates can vary significantly based on factors like your age, driving history, and address. Comparing rates from companies specializing in drivers like you helps ensure you get the best deal.
To get you started, the table below lists Savannah’s cheapest insurers for various driver and coverage types, based on our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $91 |
| Full coverage | Auto-Owners | $149 |
| Teens | Auto-Owners | $179 |
| Seniors | Auto-Owners | $73 |
| Drivers with a speeding ticket | Auto-Owners | $118 |
| Drivers with an at-fault accident | Auto-Owners | $124 |
| Drivers with a DUI | Auto-Owners | $115 |
| Drivers with excellent credit | Auto-Owners | $72 |
| Drivers with poor credit | Auto-Owners | $137 |
Let’s break down each driver and coverage type to help you find the cheapest coverage for your situation.
Policies in Savannah start as low as $91 per month.
Savannah drivers pay an average of $172 per month for minimum-coverage car insurance, according to Compare.com data.
But most insurance experts recommend purchasing more than the state’s required minimums to ensure you’re well protected. The cost of serious accidents often exceeds liability-only coverage, potentially leaving you financially vulnerable, according to the Insurance Information Institute.[3]
If you need only basic coverage that meets Georgia’s minimum requirements, we’ve highlighted the five cheapest companies in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $91 |
| State Farm | $97 |
| Country Financial | $99 |
| Mile Auto | $110 |
| USAA | $114 |
| Progressive | $118 |
| Foremost | $140 |
| Mercury | $154 |
| Root | $171 |
| Bristol West | $174 |
| GEICO | $175 |
| Clearcover | $178 |
| GAINSCO | $189 |
| Direct Auto | $190 |
| Allstate | $191 |
| The General | $194 |
| AssuranceAmerica | $198 |
| Safeco | $209 |
| Trexis One | $214 |
| National General | $215 |
| Mendota | $225 |
| Insurify Car | $230 |
| First Acceptance | $232 |
| Trexis | $233 |
| Excepsure | $238 |
| Hugo | $328 |
| Liberty Mutual | $375 |
Most drivers should consider full-coverage car insurance for better financial protection. The National Association of Insurance Commissioners (NAIC) recommends comprehensive and collision coverage to protect against vehicle damage from non-accident incidents and crashes, regardless of fault.
Full coverage includes liability insurance, plus comprehensive and collision coverage. If you finance or lease your vehicle, your lender usually requires you to buy both.[4]
Savannah drivers pay an average of $257 monthly for full-coverage car insurance. But even with these higher rates, several insurers offer full-coverage policies for prices close to the average liability-only cost in Savannah.
The chart below shows the five cheapest insurers in Savannah for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $149 |
| State Farm | $159 |
| Country Financial | $161 |
| Mile Auto | $177 |
| USAA | $186 |
| Progressive | $214 |
| Root | $239 |
| Mercury | $240 |
| Safeco | $250 |
| Foremost | $267 |
| AssuranceAmerica | $294 |
| Clearcover | $294 |
| GEICO | $296 |
| Direct Auto | $300 |
| Allstate | $301 |
| Bristol West | $309 |
| National General | $311 |
| GAINSCO | $356 |
| Trexis One | $370 |
| Mendota | $371 |
| The General | $374 |
| Trexis | $407 |
| Liberty Mutual | $420 |
| First Acceptance | $421 |
Teens pay some of the most expensive insurance rates of any age group. That’s because younger drivers have less experience behind the wheel and riskier driving habits. Teenage drivers have crash rates nearly four times as high as drivers 20 and older, according to the NAIC.[5]
Nationwide, the average teen pays nearly double the rate of someone 20 or older, according to our data. Savannah teens pay an average of $373 per month for car insurance. But you can still find affordable coverage by comparing rates from multiple insurers.
The chart below shows the five cheapest companies in Savannah for teens, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $152 |
| Auto-Owners | $179 |
| State Farm | $183 |
| USAA | $203 |
| Progressive | $206 |
| Mile Auto | $221 |
| Root | $250 |
| Mercury | $273 |
| Clearcover | $283 |
| Bristol West | $300 |
| GEICO | $309 |
| GAINSCO | $323 |
| Allstate | $333 |
| The General | $342 |
| Direct Auto | $361 |
| Trexis One | $373 |
| Mendota | $392 |
| AssuranceAmerica | $399 |
| Insurify Car | $401 |
| First Acceptance | $404 |
| Trexis | $406 |
| Excepsure | $415 |
| National General | $416 |
| Safeco | $416 |
| Hugo | $572 |
| Liberty Mutual | $639 |
Seniors typically enjoy the cheapest auto rates of any age group. Older drivers generally have fewer accidents, maintain cleaner driving records, and often qualify for discounts, according to the Insurance Institute for Highway Safety (IIHS).[6] Each of these factors contributes to lower-than-average rates.
Seniors in Savannah pay an average of $191 per month for car insurance. Even with these low rates, you might find even better deals from one of the companies below.
This chart shows the five cheapest insurers in Savannah for seniors, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $73 |
| State Farm | $77 |
| Country Financial | $80 |
| Mile Auto | $87 |
| USAA | $94 |
| Progressive | $105 |
| Mercury | $123 |
| GEICO | $141 |
| Bristol West | $147 |
| AssuranceAmerica | $158 |
| Direct Auto | $158 |
| Clearcover | $159 |
| Root | $160 |
| GAINSCO | $165 |
| The General | $167 |
| Allstate | $170 |
| National General | $172 |
| Safeco | $185 |
| Trexis One | $191 |
| Mendota | $200 |
| Insurify Car | $205 |
| First Acceptance | $207 |
| Trexis | $208 |
| Excepsure | $212 |
| Hugo | $292 |
| Liberty Mutual | $316 |
Getting a speeding ticket can increase your insurance rates the next time your policy renews. Insurance companies consider traffic violations high-risk behavior and charge more to offset potential claims, according to the Insurance Information Institute (Triple-I).[7]
Our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide. Drivers in Savannah with a recent ticket pay an average of $268 per month for auto coverage. But several insurers offer more competitive rates.
The chart below shows the five cheapest insurers in Savannah for drivers with a recent ticket, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $118 |
| State Farm | $123 |
| Country Financial | $133 |
| Mile Auto | $133 |
| USAA | $147 |
| Progressive | $148 |
| Root | $204 |
| Mercury | $213 |
| Bristol West | $220 |
| Clearcover | $227 |
| GAINSCO | $227 |
| GEICO | $229 |
| Direct Auto | $239 |
| Allstate | $240 |
| AssuranceAmerica | $252 |
| The General | $260 |
| National General | $268 |
| Trexis One | $268 |
| Safeco | $275 |
| Mendota | $282 |
| Insurify Car | $288 |
| First Acceptance | $291 |
| Trexis | $292 |
| Excepsure | $299 |
| Hugo | $411 |
| Liberty Mutual | $478 |
Causing an accident can substantially increase your insurance rates. At-fault accidents indicate to insurers that you’re more likely to file claims in the future. They typically remain on your record for three to five years and affect your premiums during that period, according to Triple-I.
Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide. Savannah drivers with a recent accident pay an average of $294 per month for car insurance. But you can often find better deals with one of the insurers highlighted in the chart below.
These five companies offer Savannah’s cheapest car insurance rates for drivers with a recent at-fault accident.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $124 |
| State Farm | $132 |
| Country Financial | $139 |
| Mile Auto | $151 |
| USAA | $157 |
| Progressive | $162 |
| Root | $219 |
| Mercury | $234 |
| Bristol West | $236 |
| GEICO | $237 |
| GAINSCO | $247 |
| Clearcover | $258 |
| Allstate | $262 |
| Direct Auto | $265 |
| AssuranceAmerica | $269 |
| The General | $272 |
| National General | $292 |
| Trexis One | $294 |
| Safeco | $296 |
| Mendota | $309 |
| Insurify Car | $316 |
| First Acceptance | $319 |
| Trexis | $320 |
| Excepsure | $327 |
| Hugo | $451 |
| Liberty Mutual | $509 |
A driving under the influence (DUI) conviction causes the sharpest increase in car insurance rates of any traffic violation. Average rates increase by 59% nationwide after a DUI conviction, according to our research.
In addition to these higher rates, getting a DUI can make finding coverage difficult at all. Many standard insurance companies deny coverage to drivers with DUI convictions due to the significantly higher risk they represent, according to Triple-I.[8]
Savannah drivers with a DUI conviction pay an average of $261 per month for auto insurance. But you’re not necessarily stuck with sky-high rates. Some insurers specialize in high-risk drivers, including people with DUIs, including some of the ones featured in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $115 |
| Country Financial | $128 |
| State Farm | $129 |
| Progressive | $144 |
| Mile Auto | $146 |
| USAA | $151 |
| Mercury | $218 |
| Root | $227 |
| Clearcover | $228 |
| Bristol West | $231 |
| Allstate | $233 |
| GEICO | $233 |
| The General | $250 |
| GAINSCO | $251 |
| Direct Auto | $252 |
| Trexis One | $261 |
| AssuranceAmerica | $263 |
| Mendota | $275 |
| Insurify Car | $281 |
| First Acceptance | $283 |
| Trexis | $285 |
| National General | $285 |
| Excepsure | $291 |
| Safeco | $306 |
| Hugo | $401 |
| Liberty Mutual | $498 |
Some insurance companies examine your credit history when calculating your rates. Insurance companies use a credit-based insurance score to determine your likelihood of defaulting on your bill or filing future claims. These scores effectively predict the number and cost of insurance claims drivers file, according to the NAIC.[9]
Our research shows drivers with poor credit pay 40% more for insurance than people with excellent credit scores. Drivers with poor credit in Savannah pay an average of $268 per month for auto coverage. But not all companies use credit history, and some offer affordable rates regardless of your credit.
The chart below shows the five cheapest insurers in Savannah for drivers with poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $120 |
| Mile Auto | $137 |
| Auto-Owners | $137 |
| State Farm | $141 |
| USAA | $141 |
| Progressive | $148 |
| Mercury | $188 |
| Root | $212 |
| Bristol West | $216 |
| GEICO | $217 |
| Clearcover | $221 |
| GAINSCO | $235 |
| Direct Auto | $236 |
| Allstate | $239 |
| The General | $241 |
| AssuranceAmerica | $246 |
| Safeco | $260 |
| National General | $267 |
| Trexis One | $268 |
| Mendota | $281 |
| Insurify Car | $288 |
| First Acceptance | $290 |
| Trexis | $291 |
| Excepsure | $298 |
| Hugo | $410 |
| Liberty Mutual | $448 |
Compare personalized quotes from Savannah’s top insurers.
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Georgia, like nearly every state, requires all drivers to have car insurance. The Peach State’s auto insurance requirements include:
$25,000 per person and $50,000 per accident of bodily injury liability coverage
$25,000 per accident of property damage liability coverage
Most experts recommend buying more coverage than Georgia requires. Optional coverages like uninsured/underinsured motorist (UM/UIM) coverage can help protect your finances if you get in an accident with someone who has inadequate or nonexistent car insurance, according to the Georgia Office of the Commissioner of Insurance and Safety Fire.
Your lender typically requires you to buy comprehensive and collision coverage if you finance or lease your vehicle.
Consider this scenario: If you caused an accident that totaled a $40,000 SUV, the minimum property damage coverage would pay only $25,000, leaving you personally responsible for the remaining $15,000.
The answers to these common questions can help you better understand car insurance in Savannah.
Car insurance in Savannah costs an average of $214 per month, according to Compare.com data. Savannah drivers pay a monthly average of $172 for liability coverage and $257 for full coverage.
Savannah drivers pay an overall average of $214 per month for car insurance, according to Compare.com data. That’s compared to the national monthly average of $142. But your car insurance costs depend on several factors, including your address, driving history, and age.[10]
Auto-Owners offers the cheapest car insurance in Savannah, with an average rate of $91 per month, according to Compare.com data.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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