Cheapest Car Insurance In Savannah, GA 2025
Auto-Owners delivers the most budget-friendly minimum car insurance in Savannah, averaging $66 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re hunting for cheap car insurance in Savannah, GA, you’ll notice a broad range of prices.
Looking for the cheapest liability-only coverage? Auto-Owners is your best bet. For full coverage, State Farm takes the lead, while USAA is the most affordable option for younger drivers.
Cheapest Car Insurance Companies In Savannah, GA 2025
Cheapest Liability-only Car Insurance In Savannah: Auto-Owners
Auto-Owners stands out in Savannah for the lowest minimum coverage car insurance, costing about $66 per month.
The following table highlights rate differences among various insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $66 | $792 |
| Allstate | $78 | $936 |
| GEICO | $115 | $1,380 |
| State Farm | $74 | $888 |
| Mercury | $130 | $1,560 |
Cheapest Full Coverage Insurance Rates In Savannah: State Farm
With an average cost of $115 per month, State Farm is the top choice for low-cost full coverage in Savannah.
Compare average auto insurance quotes from affordable Savannah providers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $115 | $1,380 |
| Allstate | $125 | $1,500 |
| Progressive | $180 | $2,160 |
| Country Financial | $119 | $1,428 |
| Mercury | $214 | $2,568 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
For seniors in Savannah, Direct Auto stands out with the cheapest car insurance, costing about $87 a month.
Check out the table below for a comparison of average rates from senior-friendly, budget auto insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $87 | $1,044 |
| Clearcover | $96 | $1,152 |
| Georgia Fram Bureau | $89 | $1,068 |
| Mercury | $99 | $1,188 |
| USAA | $101 | $1,212 |
Cheapest Rates In Savannah For Teenagers: Country Financial
For teenage drivers in Savannah, Country Financial stands out with the lowest average monthly premium of $185.
Check the table below to compare the cheapest car insurance rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Country Financial | $185 | $2,220 |
| State Farm | $219 | $2,628 |
| Progressive | $343 | $4,116 |
| Allstate | $247 | $2,964 |
| Nationwide | $533 | $6,396 |
Cheapest Auto Insurance For Young Adults in Savannah: USAA
For young adults in Savannah, USAA stands out with the lowest average monthly rate of $139.
Below is a table comparing the cheapest car insurance rates for young adults in Savannah.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $139 | $1,668 |
| Clearcover | $154 | $1,848 |
| Country | $165 | $1,980 |
| Georgia Farm Bureau | $142 | $1,704 |
| Safeco | $169 | $2,028 |
Cheapest Car Insurance In Savannah For Good Drivers: Auto-Owners
In Savannah, good drivers will find the cheapest car insurance quotes from Auto-Owners, costing roughly $66 per month.
If you have a clean driving record, use the table below to find average quotes from low-cost insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $66 | $792 |
| Allstate | $78 | $936 |
| GEICO | $115 | $1,380 |
| State Farm | $74 | $888 |
| Mercury | $130 | $1,560 |
Find affordable Savannah rates
Cheapest Car Insurance In Savannah After A Speeding Ticket: State Farm
State Farm provides budget-friendly car insurance in Savannah, charging about $90 per month for drivers with a speeding ticket.
Check the table below to find average rates from insurers for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $90 | $1,080 |
| Allstate | $99 | $1,188 |
| Progressive | $132 | $1,584 |
| GEICO | $149 | $1,788 |
| Mercury | $178 | $2,136 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Auto-Owners delivers the lowest average rate of $92 per month for drivers with an at-fault incident.
Here are the top car insurance providers with budget-friendly rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $92 | $1,104 |
| Country Financial | $104 | $1,248 |
| Allstate | $106 | $1,272 |
| Mile Auto | $118 | $1,416 |
| GEICO | $156 | $1,872 |
Cheapest Rates In Savannah For Drivers After A DUI: Auto-Owners
Savannah drivers with a DUI can secure the lowest rates from Auto-Owners, averaging $109 per month.
The table below lists the best-value insurance rates for Savannah drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $109 | $1,308 |
| Allstate | $128 | $1,536 |
| Progressive | $169 | $2,028 |
| State Farm | $116 | $1,392 |
| Mercury | $199 | $2,388 |
Best Car Insurance Companies In Savannah
Auto-Owners provides Savannah’s cheapest insurance at $66 a month, while State Farm and Country Financial offer competitive rates at $74 and $76, respectively.
Here are the top 10 car insurance providers in Savannah, GA, ordered by their average monthly rates.
| Company | Monthly Premium |
| Auto-Owners | $66 |
| Allstate | $78 |
| GEICO | $115 |
| State Farm | $74 |
| Mercury | $130 |
| Country Financial | $76 |
| Progressive | $105 |
| Mile Auto | $86 |
| Nationwide | $170 |
| Liberty Mutual | $183 |
Average Auto Insurance Rates In Savannah – By Age
When calculating car insurance rates, age is a key factor. Younger drivers, especially teens, are charged higher premiums due to their inexperience and increased accident risk. The average annual cost for a teen driver is about $5,657.
Most drivers experience lower insurance premiums after turning 25, provided they have no driving violations.
Drivers aged 50 to 60 commonly receive the most affordable premiums, as insurers evaluate age to determine driving experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $5,657 |
| 20s | $2,782 |
| 30s | $2,003 |
| 40s | $1,813 |
| 50s | $1,695 |
| 60s | $1,681 |
| 70s | $1,745 |
Average Rates In Savannah – By Vehicle
The type of vehicle you own affects your insurance costs. Insurers assess the make, model, and year, noting that newer luxury cars with high-tech features usually carry higher premiums due to costly repairs.
Below is a table showing average rates for different types of vehicles in Savannah.
| Vehicle | Average Monthly Rate |
| Nissan Altima | $205 |
| Nissan Sentra | $382 |
| Chevrolet Silverado | $258 |
| Buick Lesabre | $628 |
| Toyota Rav4 | $350 |
Average Cost Of Auto Insurance In Savannah – By Zip Code
ZIP codes help insurers gauge local risk levels, so car insurance rates can vary from one neighborhood to another.
Below is a table showing average insurance rates for different ZIP codes across Savannah.
| City | Average Monthly Rate |
| 31405 | $180 |
| 30039 | $90 |
| 31404 | $195 |
| 31322 | $141 |
| 31401 | $170 |
How Much Is Car Insurance In Other Cities in Georgia?
Where you reside is a major factor in your car insurance rates. Insurers evaluate local risks such as traffic accidents, car theft, and vandalism, which are usually higher in cities and lead to higher premiums.
On average, Atlanta drivers pay $226 per month for car insurance, while Valdosta residents see rates around $132 per month.
| City | Average Monthly Rate |
| Norcross | $214 |
| Albany | $149 |
| Marietta | $185 |
| Atlanta | $226 |
| Macon | $160 |
| Valdosta | $132 |
| Lawrenceville | $197 |
| Columbus | $143 |
| Gainesville | $165 |
| Decatur | $232 |
Find affordable Savannah rates
Our Methodology
Based on an in-depth review of service quality, coverage choices, pricing, and user feedback, I’ve created a complete assessment of car insurance providers in Savannah, GA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Savannah?
Auto-Owners delivers the most affordable minimum coverage in Savannah, while State Farm offers the cheapest full coverage, which includes both comprehensive and collision.
What is the average cost of car insurance in Savannah?
On average, Savannah drivers pay about $180 per month for car insurance, but your rate may change depending on your location, car type, and driving record.
