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What can Savannah residents expect to pay for their car insurance? Are rates in Savannah higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Savannah | $111 |
| GA | $105 |
| United States | $80 |
Coverage for your vehicle in Savannah will typically run you about $6 a month more than in the rest of Georgia.
Drivers relocating the Savannah should take note of the differences in average rates. It's about $31 more for coverage in Savannah than in the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Savannah, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Savannah so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $184 |
| 25-34 | $107 |
| 35-44 | $97 |
| 45-54 | Not Enough Data |
| 55-64 | $78 |
| 65+ | $86 |
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Savannah may see their rates rise again once they hit retirement age.
Gender | Average |
|---|---|
| Male | $117 |
| Female | $107 |
In general, female drivers pay less for car insurance than their male counterparts. The difference in Savannah is around $10 per month. Based on the chart above, you can see that female drivers pay around $107 on average, while male drivers typically pay $117 each month.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $150 |
| Multiple Accidents | $207 |
| 1 Ticket | $137 |
| Multiple Tickets | $152 |
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Savannah, drivers with one accident on their record will experience rates around $150 a month. In addition, drivers with a single ticket on their record can expect to pay around $137 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $120 |
| 2-3 Years | $115 |
| 4-5 Years | $119 |
| 6-7 Years | $122 |
| 8-10 Years | $109 |
| 11-14 Years | $113 |
| 15 Years or Older | $106 |
The most affordable vehicles to insure in Savannah are usually trucks and vans, which run about $97 per month.
Car owners can expect to pay an average of around $116 a month for their policy, while SUVs usually cost around $107 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Savannah are vehicles six-to-seven years old.
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.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $117 |
| Married | $90 |
| Divorced | $84 |
| Widowed | $88 |
Generally speaking, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Savannah can be as much as $27 a month, so it's worth taking into consideration.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $95 |
| Rent | $117 |
| Live with parents | $136 |
Another factor that comes into play is your housing status. Renters can expect to pay around $22 a month more than homeowners in Savannah. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The cost of insurance in Savannah increased consistently from 2017-2021. It finished down in 2022, at $80.
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
Regional laws
Access to off-street parking
Road Safety (frequency of car accidents)
Prevalence of crime
Amount of drivers
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Savannah.
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
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.
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Savannah or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
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