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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: Daniela Duncan/Getty Images October 20, 2022 Michael Evans is a former contributor to Bankrate and has worked in numerous industries, including education, finance, government, insurance and journalism. He began writing professionally while working for the world's first online mortgage brokerage in San Francisco, California. His writings have appeared in print and online publications, including Fox Business, International Living, Motley Fool and Yahoo Finance. He and his family divide their time between residences in Northern California and Colombia. When Michael is not writing, he enjoys working in his photography business and playing with his cat, Cyndi Lou. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Based on Bankrate’s research, Savannah motorists pay an average annual premium of $1,981 for full coverage auto insurance and $670 for minimum coverage. Statewide, pay an average of $2,009 for full coverage auto insurance. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Savannah drivers may pay high insurance rates in part due to Georgia’s high rates of car theft. According to the most current Federal Bureau of Investigation statistics, Georgia has the of motor vehicle thefts in the U.S. In 2020 alone, car thieves made off with over 25,500 automobiles in the state. Our analysis found that several companies, including Auto-Owners, USAA and Progressive, may offer Savannah drivers lower-than-average rates. However, average rates may not reflect what you will pay for a car insurance policy. Insurers may determine rates based on several factors, including your age, driving record, location and the type of car you drive. Best cheap car insurance companies in Savannah
Based on rate data provided by Quadrant Information Services, the five best cheap car insurance companies in Savannah include Auto-Owners, USAA and Progressive. These providers were selected based on their average annual premiums, discount options, coverage, customer satisfaction ratings, financial strength scores and . We calculate each carrier’s Bankrate Score using a 5-point scale. Bankrate assigns Scores by analyzing each insurer’s affordability, availability and financial strength ratings. We also examine each provider’s customer service history and look for carriers that offer mobile and online tools to help policyholders manage their policies. Our survey may 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 car insurance companies may be useful for the sake of comparison, your own rates or coverage needs may make one provider a better fit over another. Comparing quotes and coverage options for your circumstances may help you determine the best provider. Insurance company Bankrate Score J.D. Power score (Southeast) Average annual premium for full coverage Average annual premium for minimum coverage 4.2 871/1,000 $1,202 $350 * 5.0 886/1,000 $1,448 $507 4.4 842/1,000 $1,684 $680 4.2 Not rated $1,697 $657 4.4 850/1,000 $1,759 $513 *Not officially ranked by J.D. Power due to eligibility restrictions Auto-Owners
Auto-Owners may be a great option for Savannah drivers looking for robust coverage at an affordable price. Auto-Owners offers customers an that include all standard protections, along with optional gap insurance and roadside assistance. Following a covered loss, the provider’s optional additional expense coverage may help pay for rental car costs, and if you have an accident away from home, it may also cover incidental, food and hotel expenses. For drivers looking for a discount, the carrier offers potential savings for students, paperless billing and more. Unfortunately, the carrier only offers auto policies through . Learn more: USAA
USAA has the highest J.D. Power score on our list, but drivers must be active-duty military members, veterans or their family members to qualify for coverage. On average, USAA’s full coverage car 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. Enrolling in USAA’s usage-based SafePilot program could save you up to 30 percent if you maintain good driving habits. Military members who garage their vehicles on base may also earn up to a 15 percent discount. While USAA sells all standard car insurance coverages, it only offers two optional protections: rental car reimbursement and roadside assistance. Learn more: Progressive
With Progressive, Savannah drivers may get access to helpful online tools and great savings opportunities. Progressive offers a long list of discounts. Its usage-based Snapshot program features an enrollment discount, plus additional savings if you maintain good driving habits. The insurer also extends a discount to homeowners and offers three savings opportunities for Along with standard coverages, Progressive also offers several including gap insurance, rental car reimbursement, rideshare coverage and roadside assistance. Although Progressive made the cut in J.D. Power’s 2022 U.S. Auto Insurance Study, it earned a below-average score in the Southeast region. Learn more: Mercury
In addition to , Mercury offers optional rental car reimbursement, rideshare and roadside assistance coverages. If you qualify, you may be able to with good driver, good student and multi-policy discounts. Plus, you may save even more if your vehicle is equipped with anti-theft devices. Mercury could be a choice for low-mileage drivers as its RealDrive program may lower your premium based on the number of miles you drive. Mercury was not included in the 2022 J.D. Power Auto Insurance Study, but it did receive an A (Excellent) financial strength rating from AM Best. Mercury sells auto policies through five independent Learn more: Nationwide
In the J.D. Power study, Nationwide ranked above average in the Southeast region. The insurer offers all standard car insurance coverages, plus a few , including gap insurance, rental car reimbursement, roadside assistance and towing and labor coverage. Nationwide could be a good choice for drivers looking to with discounts. The carrier offers potential savings for being accident free, installing anti-theft devices, enrolling in a defensive driving course, and being a good student, among others. Nationwide does charge the highest full coverage rates on this list. Learn more: How to get and keep the cheapest car insurance in Savannah
Bankrate’s analysis may give you a head start in finding the in Savannah, but you may want to do further research on your own. These strategies may help you find and keep the best rates: To find cheap car insurance, consider comparing quotes from multiple carriers. from different auto insurance companies may help you see which provider could offer you the cheapest rates for your specific needs. To keep your cheap car insurance, consider maintaining a clean driving record. Staying accident and ticket-free may demonstrate to your insurer that you are less likely to file a claim. Your insurance company may lower your premium based on this lower risk profile. Frequently asked questions
What is the best car insurance company
There is no single for everyone, as coverage requirements and rates may vary from person to person. The best company for you may depend on your location, the amount and type of coverage you need, and your budget.
How much does car insurance in Savannah cost
In Savannah, the full coverage insurance premium is $1,981 and the average minimum coverage insurance premium is $670 per year. However, every driver may pay a slightly different rate based on factors like their age, credit history, claims history, the type of car they own, the age of the vehicle, their deductible and the amount of coverage they have. Most insurance experts recommend comparing quotes from multiple providers to find the for your needs.
How much car insurance do I need in Savannah
According to the Georgia Office of the Commissioner of Insurance and Safety Fire, Savannah drivers are to carry at least 25/50/25 in personal liability coverage. However, drivers who have a leased or financed vehicle may be required to carry full coverage insurance as mandated by their lender.
Why is car insurance so expensive in Savannah
According to , traffic fatalities in Chatham County have declined in recent years. However, for a city with a, Savannah has a high auto theft rate. In 2021, the Georgia Bureau of Investigation reported . Auto theft rates are one of the factors that insurance companies may consider when determining premiums.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full 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 bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Score
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , ,, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. SHARE: Michael Evans is a former contributor to Bankrate and has worked in numerous industries, including education, finance, government, insurance and journalism. He began writing professionally while working for the world's first online mortgage brokerage in San Francisco, California. His writings have appeared in print and online publications, including Fox Business, International Living, Motley Fool and Yahoo Finance. He and his family divide their time between residences in Northern California and Colombia. When Michael is not writing, he enjoys working in his photography business and playing with his cat, Cyndi Lou. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Related Articles