Based on Bankrate’s research, drivers in Savannah pay an average annual premium of $1,981 for full-coverage auto insurance and $670 for minimum coverage. Statewide, drivers in Georgia pay an average of $2,009 for full coverage auto insurance.
Savannah drivers may pay high insurance rates, in part because of Georgia’s high auto theft rates. According to the most recent statistics from the Federal Bureau of Investigation, Georgia has the sixth highest motor vehicle theft rate in the US. In 2020 alone, car thieves made off with more than 25,500 cars in the state.
Our analysis found that several companies, including Auto-Owners, USAA, and Progressive, may be offering Savannah drivers lower rates than average. However, the average rates may not match what you pay for car insurance. Insurers can set rates based on a variety of factors, including your age, driving habits, location, and the type of car you drive.
Best Cheap Auto Insurance Companies in Savannah
Based on rate data from Quadrant Information Services, the top five low cost auto insurance companies in Savannah are Auto-Owners, USAA, and Progressive. These providers were selected based on their average annual premiums, discount options, coverage, customer satisfaction scores, financial strength scores, and customer satisfaction scores from the JD Power 2022 US Auto Insurance Study.
We calculate each carrier’s Bankrate Score using a 5-point scale. Bankrate awards scores by analyzing each insurer’s ratings of affordability, availability, and financial strength. We also research each provider’s customer service history and look for carriers that offer mobile and online tools to help policyholders manage their policies. Our research can narrow the field to help Savannah drivers find carriers that offer the coverage they’re looking for at a price they can afford.
While these auto insurance companies can be useful for comparison, your own rates or coverage needs may make one provider a better fit than another. Comparing quotes and coverage options for your circumstances can help you determine the best provider.
*Not officially ranked by JD Power due to eligibility restrictions
Auto-Owners can be a great option for Savannah drivers looking for robust coverage at an affordable price. Auto-Owners offers customers an impressive range of coverages that includes all standard protections, along with optional gap insurance and roadside assistance. After a covered loss, the provider’s optional additional expense coverage can help pay for the cost of a rental car, and if you have an accident away from home, it can also cover incidentals, food, and hotel expenses. For drivers looking for a discount, the carrier offers potential student savings, paperless billing, and more. Unfortunately, the carrier only offers auto policies through four independent Savannah insurance agencies.
Learn more: Review car owner insurance
USAA has the highest JD Power rating on our list, but drivers must be active duty military personnel, veterans, or their family members to qualify for coverage. On average, USAA’s full coverage auto insurance policies cost $533 less than the Savannah average. In addition to customizable coverage options, USAA also offers highly rated customer service, claims handling, and generous discounts. If you sign up for USAA’s usage-based SafePilot program, you can save up to 30 percent if you maintain good driving habits. Military members who park their vehicles at the base can also earn up to a 15 percent discount. While USAA sells all standard auto insurance policies, it offers only two optional protections: rental car reimbursement and roadside assistance.
Learn more: Review of USAA insurance
With Progressive, Savannah riders can access helpful online tools and great savings opportunities. Progressive offers a long list of discounts. The usage-based Snapshot program offers an enrollment discount, plus additional savings if you maintain good driving habits. The insurer also gives a discount to homeowners and offers three savings options for young drivers. In addition to standard coverage, Progressive also offers several optional protections, including gap insurance, rental car reimbursement, shared rides, and roadside assistance. While Progressive made the cut in JD Power’s 2022 US Auto Insurance Study, it received a below-average score in the Southeastern region.
Learn more: Progressive insurance assessment
In addition to standard vehicle coverages, Mercury offers optional coverages for rental cars, shared rides, and roadside assistance. If you qualify, you may be able to lower your rate with discounts for good drivers, good students, and multiple policies. In addition, you can save even more if your vehicle is equipped with anti-theft devices. Mercury could be a choice for low-mileage drivers, as the RealDrive program can reduce your premium based on how many miles you drive. Mercury was not included in the 2022 JD Power Auto Insurance Study, but received an A (Excellent) financial strength rating from AM Best. Mercury sells auto policies through five independent Savannah insurance agencies.
Learn more: Review Mercury Insurance
In the JD Power study, Nationwide scored above average in the Southeast region. The insurer offers all of the standard auto insurance policies, plus some optional protections, including gap insurance, rental car reimbursement, roadside assistance, and towing and labor coverage. Nationwide could be a good choice for drivers looking to lower their premium with discounts. The carrier offers potential savings by being accident-free, installing anti-theft devices, enrolling in a defensive driving course, and being a good learner, among other things. Nationwide calculates the highest full coverage rates on this list.
Learn more: National insurance assessment
How to get and keep the cheapest car insurance in Savannah
Bankrate’s analysis can give you a head start on finding the cheapest car insurance in Savannah, but you may want to do further research on your own. These strategies can help you find and keep the best rates:
- Consider comparing quotes from multiple carriers to find cheap car insurance. By comparing quotes from different auto insurance companies, you can see which provider can offer you the cheapest rates for your specific needs.
- Consider keeping a clean driving record to maintain your cheap car insurance. Staying accident and ticket free can show your insurer that you are less likely to file a claim. Based on this lower risk profile, your insurance company can lower your premium.