Cheap Car Insurance Savannah GA: A Detailed Review

If you reside in Savannah, GA, the state mandates a baseline coverage of 25/50/25 for every driver.

Some of the top auto insurance providers in Savannah provide cost-effective rates, even catering to higher-risk drivers.

By exploring different options and capitalizing on available discounts, you can navigate the Savannah market adeptly with the assistance of this guide.

Among the affordable car insurance options in Savannah, GA, are The Hartford, Nationwide, State Farm, Allied, and Allstate.

State Farm, for instance, extends auto insurance to Savannah drivers starting at just $37 per month.

For a comprehensive understanding of Savannah auto insurance and insight into the factors influencing your insurance rates, read on.

“Navigating Auto Insurance in Savannah, GA: Your Guide to Affordable Coverage and Discounts”

If you call Savannah, GA, your home, the state mandates that all drivers maintain a minimum coverage of 25/50/25.

Some of the leading auto insurance providers in Savannah offer economical rates, even accommodating those deemed higher-risk.

By exploring various alternatives and leveraging available discounts, you can adeptly navigate the Savannah insurance market with the help of this guide.

Noteworthy options for affordable car insurance in Savannah, GA, include The Hartford, Nationwide, State Farm, Allied, and Allstate.

For instance, State Farm provides auto insurance to Savannah drivers with rates starting at just $37 per month.

To gain a comprehensive understanding of auto insurance in Savannah and insights into the factors influencing your insurance rates, continue reading

The methodology employed to identify the most affordable companies in Georgia NerdWallet’s editorial team conducted a thorough examination of car insurance rates provided by 16 auto insurers in Georgia.

We compiled a list of the five most economical choices for drivers across various age brackets and with diverse driving histories, all operating a 2020 Toyota Camry L.

When assessing minimum coverage, we considered rates that align with Georgia’s minimum requirements.

For full coverage, we utilized the following coverage limits:

• $100,000 bodily injury liability per person.
• $300,000 bodily injury liability per accident.
• $50,000 property damage liability per accident.
• $100,000 uninsured motorist coverage per person.
• $300,000 uninsured motorist coverage per accident.
• Collision coverage with a $1,000 deductible.
• Comprehensive coverage with a $1,000 deductible

Affordable Auto Insurance for 20-Year-Olds in Georgia

Securing budget-friendly car insurance for individuals in their twenties often requires obtaining multiple quotes.

While prices can be steep for younger drivers, they generally decrease as drivers gain more experience on the road.

However, certain companies consistently offer better insurance rates for young drivers, making it advisable to explore various options.

Cheapest Full Coverage Car Insurance in Georgia for 20-Year-Olds

Georgia drivers with clean records may want to consider the following companies that boast the lowest average rates:

1. Central Insurance: $2,075 annually or approximately $173 monthly.
2. Auto-Owners: $3,309 annually or about $276 monthly.
3. Country Financial: $3,707 annually or around $309 monthly.
4. Georgia Farm Bureau: $4,002 annually or roughly $334 monthly.
5. Progressive: $4,544 annually or about $379 monthly.

Cheapest Minimum Coverage Car Insurance in Georgia for 20-Year-Olds

For those seeking only the state’s minimum coverage, consider these companies with the lowest average rates:

1. Central Insurance: $770 annually or about $64 monthly.
2. Country Financial: $1,218 annually or approximately $102 monthly.
3. Allstate: $1,248 annually or around $104 monthly.
4. Georgia Farm Bureau: $1,274 annually or roughly $106 monthly.
5. Auto-Owners: $1,279 annually or about $107 monthly.

Cheapest Auto Insurance in Georgia for 20-Year-Olds with Poor Credit

Drivers with poor credit in Georgia should explore the following insurers offering the lowest average rates for minimum coverage:

1. Georgia Farm Bureau: $1,310 annually or about $109 monthly.
2. Central Insurance: $1,399 annually or approximately $117 monthly.
3. Allstate: $1,665 annually or around $139 monthly.
4. Geico: $1,762 annually or roughly $147 monthly.
5. Country Financial: $1,879 annually or about $157 monthly.

Cheapest Auto Insurance in Georgia for 20-Year-Olds with One Speeding Ticket

For those with a recent speeding ticket in Georgia, consider these companies with the lowest average rates for minimum coverage:

1. Central Insurance: $1,055 annually or about $88 monthly.
2. Georgia Farm Bureau: $1,367 annually or approximately $114 monthly.
3. Allstate: $1,524 annually or around $127 monthly.
4. Geico: $1,564 annually or roughly $130 monthly.
5. Country Financial: $1,682 annually or about $140 monthly.

Cheapest Auto Insurance in Georgia for 20-Year-Olds with One At-Fault Crash

For drivers with a recent accident in Georgia, the following companies offer the lowest average rates for minimum coverage:

1. Central Insurance: $1,265 annually or about $105 monthly.
2. Georgia Farm Bureau: $1,433 annually or approximately $119 monthly.
3. Country Financial: $1,583 annually or around $132 monthly.
4. Geico: $1,968 annually or roughly $164 monthly.
5. Auto-Owners: $2,047 annually or about $171 monthly.

Cheapest Auto Insurance in Georgia for 20-Year-Olds after a DUI

After a DUI, the most affordable auto insurance options are:

1. Central Insurance: $1,869 annually or about $156 monthly.
2. Progressive: $1,927 annually or approximately $161 monthly.
3. Allstate: $1,938 annually or around $161 monthly.
4. Country Financial: $2,090 annually or roughly $174 monthly.
5. Georgia Farm Bureau: $2,476 annually or about $206 monthly.

Cheapest for 30-Year-Old Drivers

Upon reaching their thirties, most drivers experience reduced car insurance rates compared to their teens and twenties.

However, various factors, such as driving records and the car’s make and model, can still influence prices.

To secure lower rates, drivers in their thirties should shop around and take advantage of available car insurance discounts.

Cheapest Full Coverage Car Insurance in Georgia for 30-Year-Olds

For those in Georgia seeking full coverage, the following companies offer the lowest average rates:

1. Central Insurance: $1,429 annually or about $119 monthly.
2. Auto-Owners: $1,554 annually or approximately $130 monthly.
3. Georgia Farm Bureau: $1,644 annually or around $137 monthly.
4. Country Financial: $2,218 annually or roughly $185 monthly.
5. Progressive: $2,254 annually or about $188 monthly.

Cheapest Minimum Coverage Car Insurance in Georgia for 30-Year-Olds

Drivers in Georgia who prefer minimum coverage can explore the following companies with the lowest average rates:

1. Georgia Farm Bureau: $415 annually or about $35 monthly.
2. Auto-Owners: $431 annually or approximately $36 monthly.
3. Central Insurance: $462 annually or around $39 monthly.
4. Geico: $556 annually or roughly $46 monthly.
5. Country Financial: $617 annually or about $51 monthly.

Cheapest Auto Insurance in Georgia for 30-Year-Olds with Poor Credit

Drivers with poor credit in Georgia should consider the following companies offering the lowest average rates for full coverage:

1. Georgia Farm Bureau: $1,933 annually or about $161 monthly.
2. Central Insurance: $2,596 annually or approximately $216 monthly.
3. Country Financial: $3,137 annually or around $261 monthly.
4. Allstate: $3,187 annually or roughly $266 monthly.
5. Progressive: $3,423 annually or about $285 monthly.

Cheapest Auto Insurance in Georgia for 30-Year-Olds with One Speeding Ticket

For those with a recent speeding ticket in Georgia, consider these companies with the lowest average rates for minimum coverage:

1. Georgia Farm Bureau: $455 annually or about $38 monthly.
2. Auto-Owners: $603 annually or approximately $50 monthly.
3. Central Insurance: $631 annually or around $53 monthly.
4. Geico: $650 annually or roughly $54 monthly.
5. Allstate: $733 annually or about $61 monthly.

Cheapest Auto Insurance in Georgia for 30-Year-Olds with One At-Fault Crash

For drivers in Georgia with a recent accident, the following companies offer the lowest average rates for full coverage:

1. Georgia Farm Bureau: $1,994 annually or about $166 monthly.
2. Central Insurance: $2,101 annually or approximately $175 monthly.
3. Auto-Owners: $2,172 annually or around $181 monthly.
4. Country Financial: $2,828 annually or roughly $236 monthly.
5. Progressive: $3,360 annually or about $280 monthly.

Cheapest Auto Insurance in Georgia for 30-Year-Olds after a DUI

After a DUI, the most affordable auto insurance options are:

1. Auto-Owners: $2,841 annually or about $237 monthly.
2. Central Insurance: $2,934 annually or approximately $244 monthly.
3. Mercury: $3,274 annually or around $273 monthly.
4. Georgia Farm Bureau: $3,296 annually or roughly $275 monthly.
5. Country Financial: $3,382 annually or about $282 monthly.

Cheapest for 40-Year-Old Drivers

Drivers in their forties typically enjoy better insurance rates than their younger counterparts but may still pay more than older age groups.

To find lower rates, it’s advisable for good drivers who don’t frequently drive to explore pay-per-mile insurance, which charges based on the number of miles driven.

Cheapest Full Coverage Car Insurance in Georgia for 40-Year-Olds

For clean-driving individuals in Georgia, the following companies offer the lowest average rates:

1. Central Insurance: $1,281 annually or about $107 monthly.
2. Georgia Farm Bureau: $1,566 annually or approximately $131 monthly.
3. Auto-Owners: $1,576 annually or around $131 monthly.
4. Country Financial: $1,930 annually or roughly $161 monthly.
5. Mercury: $2,067 annually or about $172 monthly.

Cheapest Minimum Coverage Car Insurance in Georgia for 40-Year-Olds

Drivers in Georgia who prefer minimum coverage may want to explore these companies with the lowest average rates:

1. Central Insurance: $410 annually or about $34 monthly.
2. Georgia Farm Bureau: $415 annually or approximately $35 monthly.
3. Auto-Owners: $444 annually or around $37 monthly.
4. Country Financial: $519 annually or roughly $43 monthly.
5. Geico: $619 annually or about $52 monthly.

Cheapest Auto Insurance in Georgia for 40-Year-Olds with Poor Credit

Drivers with poor credit in Georgia can explore the following companies offering the lowest average rates for full coverage:

1. Georgia Farm Bureau: $1,933 annually or about $161 monthly.
2. Central Insurance: $2,309 annually or approximately $192 monthly.
3. Country Financial: $2,689 annually or around $224 monthly.
4. Mercury: $3,084 annually or roughly $257 monthly.
5. Allstate: $3,187 annually or about $266 monthly.

Most Affordable Car Insurance in Georgia for 40-Year-Old Drivers with One Speeding Ticket

If you’ve recently received a speeding ticket in Georgia, the following insurers offer the most economical rates for minimum coverage:

1. Georgia Farm Bureau: $429 per year or approximately $36 per month.
2. Central Insurance: $545 per year or about $45 per month.
3. Auto-Owners: $601 per year or approximately $50 per month.
4. Country Financial: $616 per year or roughly $51 per month.
5. Allstate: $698 per year or about $58 per month.

Most Affordable Car Insurance in Georgia for 40-Year-Old Drivers with One At-Fault Crash

For drivers in Georgia dealing with the aftermath of an accident, the following insurance providers offer the lowest average rates for full coverage:

1. Central Insurance: $1,867 per year or about $156 per month.
2. Georgia Farm Bureau: $1,918 per year or around $160 per month.
3. Auto-Owners: $2,207 per year or approximately $184 per month.
4. Country Financial: $2,514 per year or roughly $209 per month.
5. Progressive: $3,211 per year or about $268 per month.

Most Affordable Car Insurance in Georgia for 40-Year-Old Drivers after a DUI

For those facing the consequences of a DUI in Georgia, the most cost-effective options for full coverage are:

1. Central Insurance: $2,595 per year or about $216 per month.
2. Mercury: $2,874 per year or approximately $239 per month.
3. Country Financial: $2,894 per year or around $241 per month.
4. Auto-Owners: $2,894 per year or about $241 per month.
5. Georgia Farm Bureau: $3,230 per year or roughly $269 per month.

Most Affordable Car Insurance for 50-Year-Old Drivers in Georgia

Drivers in their fifties generally enjoy lower insurance rates. Here are the top five companies with the most affordable rates for full coverage:

1. Central Insurance: $1,247 per year or about $104 per month.
2. Georgia Farm Bureau: $1,500 per year or approximately $125 per month.
3. Auto-Owners: $1,522 per year or around $127 per month.
4. Country Financial: $1,730 per year or roughly $144 per month.
5. Mercury: $1,839 per year or about $153 per month.

Most Affordable Minimum Coverage Car Insurance for 50-Year-Old Drivers in Georgia

For those opting for minimum coverage, consider the following insurers with the lowest average rates:

1. Georgia Farm Bureau: $393 per year or about $33 per month.
2. Central Insurance: $400 per year or approximately $33 per month.
3. Auto-Owners: $430 per year or around $36 per month.
4. Country Financial: $519 per year or roughly $43 per month.
5. Geico: $619 per year or about $52 per month.

Most Affordable Car Insurance in Georgia for 50-Year-Old Drivers with Poor Credit

Drivers with poor credit in Georgia may find the most affordable rates for full coverage from the following insurers:

1. Georgia Farm Bureau: $1,837 per year or about $153 per month.
2. Central Insurance: $2,247 per year or approximately $187 per month.
3. Country Financial: $2,393 per year or around $199 per month.
4. Mercury: $3,084 per year or roughly $257 per month.
5. Allstate: $3,187 per year or about $266 per month.

Most Affordable Car Insurance in Georgia for 50-Year-Old Drivers with One Speeding Ticket

If you’ve recently received a speeding ticket in Georgia and you’re in your fifties, consider these insurers with the lowest average rates for minimum coverage:

1. Georgia Farm Bureau: $429 per year or about $36 per month.
2. Central Insurance: $545 per year or approximately $45 per month.
3. Auto-Owners: $601 per year or around $50 per month.
4. Country Financial: $616 per year or roughly $51 per month.
5. Allstate: $698 per year or about $58 per month.

Most Affordable Car Insurance in Georgia for 50-Year-Old Drivers with One At-Fault Crash

For drivers in Georgia with a recent accident, the following insurance providers offer the lowest average rates for full coverage:

1. Central Insurance: $1,821 per year or about $152 per month.
2. Georgia Farm Bureau: $1,843 per year or around $154 per month.
3. Auto-Owners: $2,124 per year or approximately $177 per month.
4. Country Financial: $2,290 per year or roughly $191 per month.
5. Progressive: $3,059 per year or about $255 per month.

Most Affordable Car Insurance in Georgia for 50-Year-Old Drivers after a DUI

For those dealing with the aftermath of a DUI in Georgia, the most cost-effective options for full coverage are:

1. Central Insurance: $2,531 per year or about $211 per month.
2. Country Financial: $2,576 per year or approximately $215 per month.
3. Mercury: $2,666 per year or around $222 per month.
4. Auto-Owners: $2,781 per year or roughly $232 per month.
5. Progressive: $3,027 per year or about $252 per month.

Most Affordable Car Insurance for 60-Year-Old Drivers in Georgia

While car insurance rates for drivers in their sixties are generally more affordable, it’s essential to shop around. Here are the top five companies with the most affordable rates for full coverage:

1. Central Insurance: $1,322 per year or about $110 per month.
2. Georgia Farm Bureau: $1,439 per year or around $120 per month.
3. Auto-Owners: $1,534 per year or approximately $128 per month.
4. Mercury: $1,674 per year or roughly $139 per month.
5. Country Financial: $1,681 per year or about $140 per month.

Most Affordable Minimum Coverage Car Insurance for 60-Year-Old Drivers in Georgia

For those opting for minimum coverage, consider the following insurers with the lowest average rates:

1. Georgia Farm Bureau: $393 per year or about $33 per month.
2. Central Insurance: $433 per year or approximately $36 per month.
3. Country Financial: $435 per year or around $36 per month.
4. Auto-Owners: $474 per year or roughly $40 per month.
5. Encompass: $589 per year or about $49 per month.

Most Affordable Car Insurance in Georgia for 60-Year-Old Drivers with Poor Credit

Drivers with poor credit in Georgia may find the most affordable rates for full coverage from the following insurers:

1. Georgia Farm Bureau: $1,837 per year or about $153 per month.
2. Country Financial: $2,320 per year or approximately $193 per month.
3. Central Insurance: $2,390 per year or around $199 per month.
4. Mercury: $2,499 per year or roughly $208 per month.
5. Allstate: $2,911 per year or about $243 per month.

Most Affordable Car Insurance in Georgia for 60-Year-Old Drivers with One Speeding Ticket

If you’ve recently received a speeding ticket in Georgia and you’re in your sixties, consider these insurers with the lowest average rates for minimum coverage:

1. Georgia Farm Bureau: $429 per year or about $36 per month.
2. Central Insurance: $590 per year or approximately $49 per month.
3. Country Financial: $599 per year or around $50 per month.
4. Auto-Owners: $664 per year or roughly $55 per month.
5. Allstate: $718 per year or about $60 per month.

Most Affordable Car Insurance in Georgia for 60-Year-Old Drivers with One At-Fault Crash

For drivers in Georgia with a recent accident, the following insurance providers offer the lowest average rates for full coverage:

1. Georgia Farm Bureau: $1,792 per year or about $149 per month.
2. Central Insurance: $1,945 per year or around $162 per month.
3. Auto-Owners: $2,162 per year or approximately $180 per month.
4. Country Financial: $2,263 per year or roughly $189 per month.
5. Progressive: $3,027 per year or about $252 per month.

Most Affordable Car Insurance in Georgia for 60-Year-Old Drivers after a DUI

For those dealing with the aftermath of a DUI in Georgia, the most cost-effective options for full coverage are:

1. Mercury: $2,491 per year or about $208 per month.
2. Country Financial: $2,496 per year or approximately $208 per month.
3. Central Insurance: $2,720 per year or around $227 per month.
4. Auto-Owners: $2,844 per year or roughly $237 per month.
5. Progressive: $2,992 per year or about $249 per month.

Most Affordable Car Insurance for 70-Year-Old Drivers in Georgia

As drivers reach their seventies, car insurance costs may start to rise. Here are the top five companies with the most affordable rates for full coverage:

1. Georgia Farm Bureau: $1,509 per year or about $126 per month.
2. Central Insurance: $1,558 per year or around $130 per month.
3. Auto-Owners: $1,767 per year or approximately $147 per month.
4. Country Financial: $1,805 per year or roughly $150 per month.
5. Mercury: $1,981 per year or about $165 per month.

Most Affordable Minimum Coverage Car Insurance for 70-Year-Old Drivers in Georgia

For those opting for minimum coverage, consider the following insurers with the lowest average rates:

1. Georgia Farm Bureau: $393 per year or about $33 per month.
2. Country Financial: $499 per year or approximately $42 per month.
3. Central Insurance: $542 per year or around $45 per month.
4. Encompass: $561 per year or roughly $47 per month.
5. Auto-Owners: $595 per year or about $50 per month.

Most Affordable Car Insurance in Georgia for 70-Year-Old Drivers with Poor Credit

Drivers with poor credit in Georgia may find the most affordable rates for full coverage from the following insurers:

1. Georgia Farm Bureau: $1,837 per year or about $153 per month.
2. Country Financial: $2,517 per year or approximately $210 per month.
3. Central Insurance: $2,833 per year or around $236 per month.
4. Mercury: $2,951 per year or roughly $246 per month.
5. Allstate: $3,178 per year or about $265 per month.

Most Affordable Car Insurance in Georgia for 70-Year-Old Drivers with One Speeding Ticket

If you’ve recently received a speeding ticket in Georgia and you’re in your seventies, consider these insurers with the lowest average rates for minimum coverage:

1. Georgia Farm Bureau: $429 per year or about $36 per month.
2. Country Financial: $686 per year or approximately $57 per month.
3. Central Insurance: $740 per year or around $62 per month.
4. Encompass: $741 per year or roughly $62 per month.
5. Allstate: $811 per year or about $68 per month.

Most Affordable Car Insurance in Georgia for 70-Year-Old Drivers with One At-Fault Crash

For drivers in Georgia with a recent accident, the following insurance providers offer the lowest average rates for full coverage:

1. Georgia Farm Bureau: $1,865 per year or about $155 per month.
2. Central Insurance: $2,332 per year or around $194 per month.
3. Country Financial: $2,510 per year or roughly $209 per month.
4. Auto-Owners: $2,565 per year or approximately $214 per month.
5. Encompass: $2,939 per year or about $245 per month.

Most Affordable Car Insurance in Georgia for 70-Year-Old Drivers after a DUI

For those dealing with the aftermath of a DUI in Georgia, the most cost-effective options for full coverage are:

1. Country Financial: $2,715 per year or about $226 per month.
2. Mercury: $3,006 per year or approximately $251 per month.
3. Georgia Farm Bureau: $3,169 per year or around $264 per month.
4. Central Insurance: $3,294 per year or roughly $275 per month.
5. Auto-Owners: $3,415 per year or about $285 per month.

Most Affordable Car Insurance for Military Families in Georgia

For active members of the military, veterans, or their immediate family members in Georgia, USAA is likely to offer relatively cheap rates.

However, since USAA is not available to the general public, it is not ranked alongside other insurers.

Nevertheless, it was among the top five affordable options for 24 out of the 70 driver profiles examined.

Minimum Car Insurance Requirements in Georgia

Georgia mandates liability insurance in car insurance policies, covering others’ property damage and injuries if you cause an accident. The minimum liability coverage amounts include:

• $25,000 bodily injury liability coverage per person.
• $50,000 bodily injury liability coverage per crash.
• $25,000 property damage liability coverage per crash.

While this is sufficient for legal driving, it’s recommended to consider coverage beyond the minimum.

An at-fault accident could result in bills exceeding the stated amounts, and you may also want additional coverage such as collision, comprehensive, and uninsured motorist protection.

Explore NerdWallet’s car insurance comparison tool for finding affordable car insurance in Georgia.

Alternative Car Insurance in Georgia

For drivers unable to secure car insurance through traditional means due to factors like DUIs or poor credit, the Georgia Automobile Insurance Plan offers an option.

Additionally, you can use NerdWallet’s car insurance comparison tool for finding affordable car insurance in Georgia.

“Factors Influencing Car Insurance Rates in Savannah, GA”

• Your marital status matters – bundling policies for couples can save.
• Gender plays a role, especially for young men perceived as more reckless.
• Your daily commute’s length and carpooling habits impact annual mileage.
• Avoid registering your car as a business vehicle for lower rates.
• Consider raising deductibles to add coverage at a discounted rate.
• Education matters – having a bachelor’s degree may lead to lower rates.
• Going back to school in Savannah? Several institutions offer various degrees.
• Insurance companies use statistical advantages to assess your risk.
• Discover what insurers might not disclose to enhance your understanding.

Also read: Cheap Sr22 Insurance Tn

Car Insurance FAQs for Savannah, GA

Review these commonly asked questions to solidify your understanding of car insurance in Savannah, GA.

Save this page for quick access to the information you need while navigating the auto insurance market in Savannah or the broader state of Georgia.

1. Who offers the most affordable car insurance in Savannah, GA?
   • State Farm stands out as the provider with the most budget-friendly car insurance rates in Savannah, Georgia.
2. What contributes to the elevated cost of auto insurance in Savannah, GA?
   • Savannah, being a bustling metropolitan area, experiences high demand for auto insurance. The city’s compliance with stringent Georgia state driver laws also influences insurance rates.
3. What are the minimum coverage requirements for auto insurance in Savannah, GA?
   • Savannah, Georgia mandates a minimum coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident involving multiple individuals, and $25,000 for property damage.
4. Which city in Georgia has the highest auto insurance rates?
   • According to our findings, Atlanta holds the distinction of having the highest car insurance rates in Georgia.
5. Is auto insurance pricier in Atlanta compared to Savannah, GA?
   • Yes, auto insurance tends to be more expensive in Atlanta, GA, due to its densely populated urban environment. The heightened risk of accidents in Atlanta surpasses the average and is notably higher than in Savannah, GA.