Car Insurance in Savannah, Georgia
Estimated full coverage in Savannah runs about $1,970 a year ($164/month) — ▲ 0% versus the Georgia average, ranking 10th most expensive of the 18 Georgia cities we cover.
Why car insurance in Savannah costs more than the Georgia average
Insurers price by territory, and Savannah's numbers explain most of the gap. With 148,808 residents on 109.4 square miles, the city's density (1,360 people per square mile) is 3.8 times the density where the typical Georgia resident lives (354). The average commute is 20.7 minutes (Georgia: 28.3), and 70% of workers drive alone. Together these put our location factor at 1.00× the state baseline for liability and collision.
| Factor | Savannah | Georgia ref. | Why it matters |
|---|---|---|---|
| Population density | 1,360 / sq mi | 354 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 20.7 min | 28.3 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.6% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 69.7% | — | Share of workers commuting by car. |
| Public transit to work | 2.3% | — | Transit use lowers how much residents drive. |
| Work from home | 11.5% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 10.5% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 85.6 | 85.4 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Savannah
Rates can change from one ZIP code to the next. Across 6 Savannah ZIP codes, our full-coverage estimate ranges from $1,695 in 31409 to $2,055 in 31401. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 31419 | 57,077 | 783 | 24.2 min | 6.7% | $1,970 | 0% |
| 31405 | 40,764 | 1,305 | 20.0 min | 10.5% | $1,955 | −1% |
| 31404 | 30,062 | 2,192 | 21.3 min | 7.7% | $2,030 | +3% |
| 31401 | 20,445 | 5,990 | 16.6 min | 18.4% | $2,055 | +4% |
| 31415 | 11,082 | 1,681 | 19.1 min | 23.2% | $1,965 | 0% |
| 31409 | 444 | 66 | — | — | $1,695 | −14% |
Minimum car insurance in Savannah
Savannah drivers follow Georgia's rules: at least 25/50/25 liability coverage. Georgia is at-fault (tort). We estimate state-minimum coverage in Savannah at $875 a year, and $1,270 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Georgia does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage is optional and can be purchased to protect against uninsured or hit-and-run drivers. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is available through optional uninsured motorist coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Savannah premiums
Accidents
Georgia recorded 1,403 traffic deaths, or 1.15 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Georgia's vehicle theft rate is 163 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Chatham County as relatively low for hail, relatively moderate for inland flooding and relatively moderate for strong wind, and very high for hurricanes.
Traffic & commuting
3.6% of Savannah commuters spend an hour or more getting to work, and there are 1.54 vehicles per household. 11.5% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 69.2 | Comprehensive (car); roof claims (home) | |
| Tornado | 77.5 | Comprehensive; dwelling | |
| Hurricane | 99.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 90.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 96.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 80.5 | Comprehensive; dwelling | |
| Winter weather | 67.9 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Savannah by driver profile
A clean-record driver in their 50s pays the least in our Savannah model (about $1,815 for full coverage); an 18-year-old on their own policy pays about $5,420, and a DUI pushes a 30-something to $3,645.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,405 | $3,490 | $5,420 | $452 |
| Young adult (22) | $1,400 | $2,030 | $3,155 | $263 |
| Adult in their 30s | $875 | $1,270 | $1,970 | $164 |
| Adult in their 50s | $805 | $1,165 | $1,815 | $151 |
| Senior (72) | $980 | $1,420 | $2,205 | $184 |
| 30s, one at-fault accident | $1,270 | $1,840 | $2,855 | $238 |
| 30s, DUI on record | $1,620 | $2,345 | $3,645 | $304 |
Minimum vs. standard vs. full coverage in Savannah
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $875 | $73 | $715–$1,030 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,270 | $106 | $1,040–$1,495 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,970 | $164 | $1,615–$2,325 |
Estimate your premium in Savannah
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Cheap car insurance in Savannah: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Savannah's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $100 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $135 | You're among the 11.5% of Savannah workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $385 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $700 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $435 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Savannah
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 14 offices listed below.
- Check complaint records with the Georgia Office of Insurance and Safety Fire Commissioner (complaint information) before you buy.
- Mention your ZIP code accurately — within Savannah, our estimates differ by up to $360 a year between neighborhoods.
Car insurance agents near Savannah, GA
We found 14 insurance offices within about 8 miles of central Savannah, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Declan Finnerty - State Farm
513 E Oglethorpe Avenue, Ste L, Savannah, GA 31401 -
Marianne L. Fischer - Allstate
2250 E Victory Dr, Ste 101, Savannah, GA 31404 -
Jeffrey Brady - Allstate
5859 Abercorn St, Ste 1, Savannah, GA 31405 -
Thomas Palmer - Allstate
1980 Chatham Pkwy, Ste 606, Savannah, GA 31405 -
James C Grusheski - Allstate
401 Eisenhower Dr, Savannah, GA 31406 -
Evan Murphy - Farmers Insurance
415 Eisenhower Dr, Savannah, GA 31406 -
Freeway Insurance
4410 Ogeechee Rd, Savannah, GA 31405 -
Rick Mulder Agency LLC
12 Commerce Pl, Savannah, GA 31406 -
Progressive
Mall Boulevard, Savannah, GA 31406 -
Jerry Booth - Allstate
8303 White Bluff Rd, Ste E, Savannah, GA 31406 -
Bill Richard - State Farm
20 East Montgomery Crossroad, Savannah, GA 31406 -
Harold Jenkins - Allstate
111 Tibet Ave, Ste B, Savannah, GA 31406 -
Yandi Eirea - Allstate
10500 Abercorn St, Ste D, Savannah, GA 31419 -
Vaden Assurance - Agent Robbie Kelley - Allstate
12020 Abercorn St, Savannah, GA 31419
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Savannah
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,505 | −24% |
| Subaru Outback | Wagon | $1,470 | −25% |
| Tesla Model 3 | Midsize car | $2,040 | +4% |
| Subaru Forester | Small SUV | $1,435 | −27% |
| Honda Civic | Compact car | $2,275 | +15% |
| Toyota Corolla | Compact car | $2,145 | +9% |
| Jeep Wrangler | Midsize SUV | $1,770 | −10% |
| Mazda CX-5 | Small SUV | $1,690 | −14% |
| MINI Cooper | Subcompact car | $1,510 | −23% |
| Tesla Model Y | Midsize SUV | $1,835 | −7% |
Car insurance in nearby Georgia cities
- Augusta $1,905/yr · 106 mi
- Tifton $1,930/yr · 149 mi
- Valdosta $1,880/yr · 154 mi
- Macon $1,915/yr · 160 mi
- Albany $1,935/yr · 184 mi
- Athens $1,940/yr · 185 mi
- Lawrenceville $2,255/yr · 212 mi
- Gainesville $2,035/yr · 220 mi
- Columbus $1,930/yr · 223 mi
- Atlanta $2,205/yr · 225 mi
- Sandy Springs $2,155/yr · 229 mi
- Alpharetta $2,150/yr · 230 mi
All Georgia cities and state rules · Homeowners insurance in Savannah
Frequently asked questions
How much is car insurance in Savannah, GA?
We estimate full coverage in Savannah at about $1,970 a year ($164 a month) for a driver in their 30s with a clean record, and about $875 for Georgia's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Savannah more expensive than the Georgia average?
Our Savannah estimate is about the same as the statewide figure. The model reflects a population density of 1,360 people per square mile (the typical Georgia resident lives at about 354) and an average commute of 20.7 minutes versus 28.3 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Savannah?
Drivers in Savannah follow Georgia law: at least 25/50/25 liability coverage.
Which ZIP code in Savannah has the cheapest car insurance?
Among Savannah's 6 ZIP codes, 31409 has the lowest estimate (about $1,695 a year for full coverage) and 31401 the highest (about $2,055), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Savannah?
An 18-year-old with their own full-coverage policy would pay around $5,420 a year in Savannah by our estimate ($2,405 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Savannah?
Yes. FEMA's National Risk Index rates Chatham County for hurricane (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Savannah?
We list 14 insurance offices in and around Savannah, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Georgia OCI: Consumer Guide for Automobile Insurance
- Georgia OCI: Auto insurance resources
- Georgia DDS: No Proof of Insurance (multiple) FAQ - SR-22A
- Georgia OCI: File a Consumer Insurance Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Savannah and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places