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How much is car insurance in Savannah?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $7 a month more expensive to insure your vehicle in Savannah than it is in the rest of Georgia.
Drivers relocating the Savannah should take note of the differences in average rates. Coverage in Savannah is about $30 more expensive than it is for the rest of the U.S.
These rates may be the average amount Savannah residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've broken down the average rates for Savannah to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. In Savannah, you'll see that late-teens and early-20s drivers pay almost three times as much as those approaching retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This rings true in Savannah, where women pay around $8 less per month than men. As you can see in the table above, male drivers in the area typically pay $114 on average, while female drivers typically pay $106 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Savannah, having a single accident on your record will usually get you rates around $134 a month. Likewise, drivers with one ticket will be looking at a rate of around $184 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$120|
|15 Years or Older||$107|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Savannah.
The typical bill for a car owner each month is in the ballpark of $112, whereas the bill for SUV owners is closer to $108.
Meanwhile, truck and van drivers typically see a monthly premium of about $95.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Savannah, for example, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$116|
Generally speaking, car insurance is cheaper for married policy-holders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Savannah, this difference is especially important to note. Married drivers pay over $25 less than those who are single.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $17 a month more than drivers who own property in Savannah. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Savannah, GA
Recent trends in car insurance for Savannah drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
Auto insurance rates in Savannah have increased consistently from 2016 through the present, where they hit $154 per month in 2021.
How does Savannah compare to neighboring areas?
Why are car insurance rates in Savannah different from other areas?
Car insurance companies take in a variety of factors when choosing how much individual insurance policies will cost. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Regional crime rates
- Amount of drivers in the area
- Number of car accidents
- Community laws
- Off-street parking accessibility
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Savannah?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies providing coverage in Savannah.
Savannah Insurance FAQs
What factors affect car insurance quotes in Savannah?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Savannah different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Savannah?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Savannah?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Savannah or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.