Car Insurance in Savannah, GA – 2025 Rates + Cheapest Quotes

We compare over 200 popular cars, SUVs, and pickup trucks to see which models have cheap car insurance quotes in Savannah, Georgia.

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  • Average car insurance cost in Savannah is $2,544 per year, or $212 per month, for a policy with full coverage.
  • Savannah, GA, car insurance costs $30 per year more than the Georgia state average rate ($2,514) and $323 per year more than the average rate for all 50 states ($2,221).
  • Auto insurance rates for a few popular models in Savannah include the Ford F150 at $237 per month, GMC Sierra at $234, and Subaru Outback at $181.
  • Compact crossovers and SUVs like the Buick Encore, Buick Envision, and Chevrolet Trailblazer are the top picks for cheap car insurance in Savannah.
  • A few models with segment-leading auto insurance rates include the Honda Passport at $2,026 per year, Jaguar E-Pace at $2,378 per year, Acura RDX at $2,126 per year, and Mercedes-Benz CLA250 at $2,618 per year.
  • Car insurance quotes in Savannah have significant variability from as little as $30 per month for liability-only insurance to well over $662 per month for accident or violation prone drivers.

How much does car insurance cost in Savannah?

The average car insurance expense in Savannah is $2,544 per year, which is 13.6% more than the U.S. average rate of $2,221. The average monthly cost of car insurance in Savannah is $212 for a full-coverage car insurance policy.

The average car insurance cost in Georgia is $2,514 per year, so Savannah, GA, drivers pay an average of $30 more per year than the overall Georgia state-wide average rate. When compared to other cities in Georgia, the cost of insurance in Savannah is about $210 per year less than in Atlanta, $196 per year more expensive than in Augusta, and $72 per year more than in Columbus.

The age of the driver has the biggest impact on the price you pay for car insurance. The list below illustrates this point by showing the difference in average car insurance rates in Savannah depending on driver age.

Car insurance cost in Savannah, Georgia, for drivers age 16 to 60

  • 16-year-old rated driver – $9,059 per year or $755 per month
  • 17-year-old rated driver – $8,776 per year or $731 per month
  • 18-year-old rated driver – $7,865 per year or $655 per month
  • 19-year-old rated driver – $7,163 per year or $597 per month
  • 20-year-old rated driver – $5,118 per year or $427 per month
  • 30-year-old rated driver – $2,712 per year or $226 per month
  • 40-year-old rated driver – $2,544 per year or $212 per month
  • 50-year-old rated driver – $2,254 per year or $188 per month
  • 60-year-old rated driver – $2,112 per year or $176 per month

The next chart displays additional costs for drivers age 20 to 60 by showing a range of rates for different driver ages, policy physical damage deductibles, and risk scenarios.

Average car insurance rates in Savannah for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Savannah for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Savannah includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Savannah, GA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,850$488
Safe Driver Age 20$5,118$427
At-fault Accidents Age 40$3,600$300
Low Deductibles Age 40$3,328$277
Safe Driver Age 30$2,712$226
Safe Driver Age 40$2,544$212
Safe Driver Age 50$2,254$188
High Deductibles Age 40$2,140$178
Discount Rate Age 40$2,114$176
Safe Driver Age 60$2,112$176

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

Average rates in the prior chart range from $2,114 per year for a 40-year-old driver who qualifies for a cheap discount rate to $5,850 per year for a 20-year-old driver who has to buy high risk car insurance. The rate used in this article to compare different vehicles is the 40-year-old safe driver rate, which is an average cost of $2,544 per year in Savannah.

As a monthly amount, the average cost of car insurance in Savannah ranges from $176 to $488 for the same driver ages and deductibles shown in the previous chart.

Auto insurance rates vary considerably and minor changes in a driver’s risk profile can cause large changes in car insurance premiums. The potential for significant variability stresses the need to get accurate car insurance quotes when trying to find the cheapest policy.

The prior rates take all 2024 vehicle models and average them, which is practical when making generalized comparisons like the cost difference between two locations.

Average car insurance rates are awesome for getting the answer to questions like “is auto insurance cheaper in Savannah or Athens?” or “are Georgia auto insurance rates cheaper than in Illinois?”.

For deeper cost comparisons, however, the data will be more precise if we do a rate analysis for the specific model of vehicle being insured. Every make and model has a slightly different risk profile for liability and physical damage claims, and this data enables us to make more detailed comparisons.

The chart below displays the cost of auto insurance in Savannah for some of the more popular cars, trucks, and SUVs.

Average cost to insure popular 2024 model year vehicles in Savannah.
Figure 2: Average cost to insure popular 2024 model year vehicles in Savannah. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Savannah Zip Codes.

Savannah, GA, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$2,168$181
Honda HR-V$2,216$185
Subaru Forester$2,264$189
Nissan Rogue$2,286$191
Ford Explorer$2,308$192
Ford Escape$2,320$193
Toyota RAV4$2,344$195
Chevrolet Traverse$2,374$198
Honda Accord$2,456$205
Toyota Camry$2,734$228
Chevrolet Silverado$2,814$235
Ford F150$2,846$237
Jeep Wrangler$2,904$242
Ram Truck$2,940$245

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Savannah, GA Zip Codes. Updated June 26, 2025

The models that have high popularity in Savannah tend to be small or midsize sedans like the Honda Civic, Hyundai Elantra, and Toyota Camry and compact and midsize SUVs like the Ford Escape and Subaru Outback.

Some additional popular models in Savannah from other segments include luxury SUVs like the Infiniti QX60, Lexus RX 350, and BMW X5, luxury cars like the Tesla Model S, Infiniti Q50, and BMW 530i, and pickup trucks like the Ram 1500, Ford Ranger, and Chevy Silverado.

We get into rates for many more vehicles in the upcoming sections, but before we do that, let’s go over the comparisons and key concepts that were discussed so far.

  • Savannah, Georgia, average car insurance cost is more than the U.S. average – $2,544 (Savannah average) versus $2,221 (U.S. average)
  • Teen females pay lower rates than teen males – Female drivers age 16 to 19 pay $1,108 to $599 less annually than males of the same age.
  • Auto insurance cost decreases the older you are – Average rates for a 60-year-old driver in Savannah are $3,006 per year cheaper than for a 20-year-old driver.
  • Average car insurance cost per month ranges from $176 to $755 – That is the average auto insurance cost range for drivers aged 16 to 60 in Savannah.
  • Insurance rates fall considerably from age 20 to 30 – The average 30-year-old Savannah driver will pay $2,406 less each year than a 20-year-old driver, $2,712 versus $5,118.
  • Low deductible auto insurance costs more – A 30-year-old driver pays an average of $690 more per year for a $250 deductible policy versus a $1,000 deductible policy.

Which autos have cheap insurance in Savannah, Georgia?

When comparing rates for all models, the vehicles with the best auto insurance quotes in Savannah tend to be small SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, Buick Envision, and Toyota Corolla Cross.

Average insurance rates for those small SUVs cost $172 or less per month for full coverage car insurance.

Some additional models that are ranked high in our auto insurance cost comparison are the Acura RDX, Honda CR-V, Subaru Outback, and Nissan Murano.

The average cost is a few dollars per month higher for those models than the small SUVs at the top of the rankings, but they still have an average insurance cost of $2,216 or less per year, or around $185 per month.

The following table breaks down the vehicles with the cheapest overall insurance rates in Savannah, ordered starting with the cheapest.

Top 50 Cheapest Car Insurance Rates in Savannah
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,878$157
2Chevrolet Trailblazer$1,912$159
3Kia Soul$1,986$166
4Nissan Kicks$2,002$167
5Honda Passport$2,026$169
6Buick Envision$2,038$170
7Toyota Corolla Cross$2,050$171
8Hyundai Venue$2,062$172
9Mazda CX-5$2,074$173
10Ford Bronco Sport$2,084$174
11Volkswagen Tiguan$2,104$175
12Acura RDX$2,126$177
13Nissan Murano$2,136$178
14Buick Encore$2,162$180
15Subaru Outback$2,166$181
16Honda CR-V$2,168$181
17Buick Envista$2,176$181
18Volkswagen Taos$2,180$182
19Kia Niro$2,190$183
20Toyota GR Corolla$2,210$184
21Subaru Ascent$2,214$185
22Honda HR-V$2,216$185
23Nissan Leaf$2,230$186
24Chevrolet Colorado$2,238$187
25Lexus NX 250$2,250$188
26Honda Civic$2,252$188
27Volkswagen Atlas$2,256$188
28Acura Integra$2,262$189
29Subaru Forester$2,264$189
30Volkswagen Atlas Cross Sport$2,266$189
31Kia Seltos$2,272$189
32GMC Terrain$2,276$190
33Nissan Rogue$2,286$191
34Hyundai Kona$2,290$191
35Mazda CX-30$2,296$191
36Cadillac XT4$2,298$192
37Volkswagen ID4$2,306$192
38Ford Explorer$2,308$192
39Toyota Highlander$2,314$193
40Ford Escape$2,320$193
41Toyota Venza$2,320$193
42Honda Odyssey$2,324$194
43Nissan Sentra$2,330$194
44Subaru Impreza$2,338$195
45Chevrolet Equinox$2,344$195
46Toyota RAV4$2,344$195
47Mazda MX-5 Miata$2,354$196
48Mazda MX-30$2,360$197
49Hyundai Tucson$2,364$197
50Chevrolet Traverse$2,374$198

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Savannah, GA Zip Codes. Updated June 27, 2025

Top 50 cheapest vehicles to insure in Savannah, GA with the Subaru Crosstrek ranking first at $1,878 per year
Top 50 cheapest vehicles to insure in Savannah, GA with the Subaru Crosstrek ranking first at $1,878 per year

The table above that contains 50 of the cheapest vehicles to insure in Savannah probably isn’t the best way to show a complete view of the cost of auto insurance in Savannah. Considering the fact that we rate over 700 vehicles, less than 7% of makes and models are shown in the table. So let’s dig deeper and display the most affordable vehicles in a better format.

This next article section illustrates the average cost to insure each different vehicle segment. This will give you a good foundation of the automotive segments that have the least expensive average car insurance rates. After the chart, the next sections break out the top 20 cheapest models in the more popular segments.

Average car insurance rates by automotive segment

If you’re shopping for a new or used vehicle, it’s useful to have a basic understanding of which kinds of vehicles have better auto insurance rates. For example, you may be wondering if midsize SUVs have cheaper insurance than full-size SUVs or which size of pickup has cheaper insurance.

The chart below shows average auto insurance cost by vehicle segment in Savannah. When looking at rates from a segment perspective, small SUVs, vans, and midsize pickups tend to have the most affordable average rates, while luxury models and sports cars tend to have the most expensive average cost to insure.

Car insurance average cost by automotive segment in Savannah, GA.
Figure 3: Car insurance average cost by automotive segment in Savannah, GA. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Savannah Zip Codes.

Car Insurance Rates by Automotive Segment in Savannah, GA
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,338$195
Midsize SUV$2,510$209
Minivan$2,514$210
Compact Car$2,514$210
Midsize Pickup$2,570$214
Midsize Car$2,594$216
Compact Luxury SUV$2,758$230
Compact Luxury Car$2,796$233
Large SUV$2,806$234
Half-ton Pickup$2,816$235
Heavy Duty Pickup$2,926$244
Midsize Luxury SUV$3,020$252
Midsize Luxury Car$3,120$260
Sports Car$3,498$292
Large Car$3,658$305
Large Luxury SUV$3,936$328
Large Luxury Car$4,068$339

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Savannah, GA Zip Codes. Updated June 27, 2025

Auto insurance rates by segment are suitable for getting an initial comparison, but insurance cost varies significantly within each of the segments displayed in the above chart.

For example, in the midsize luxury car segment, Savannah car insurance rates range from the Mercedes-Benz CLA250 at $2,618 per year for a full coverage policy up to the BMW M8 costing $4,288 per year, a difference of $1,670 within that segment.

As another example, in the large luxury SUV segment, the average insurance cost ranges from the Infiniti QX80 at $2,852 per year up to the Mercedes-Benz G63 AMG costing $5,468 per year, a difference of $2,616 within that segment.

In these next sections, we eliminate this variability by comparing the cost of auto insurance in Savannah for specific vehicle models.

Cheapest cars to insure in Savannah

Ranking at the top for the cheapest Savannah car insurance rates in the non-luxury car segment are the Honda Civic, Nissan Leaf, Subaru Impreza, Nissan Sentra, and Toyota GR Corolla. Car insurance prices for these models average $2,338 or less per year, or around $195 per month.

Other cars that have affordable average insurance rates include the Chevrolet Malibu, Kia K5, Honda Accord, and Toyota Corolla, with average rates of $2,480 per year or less.

Auto insurance rates in Savannah for this segment for an average middle-age driver starts at an average of $184 per month, depending on your location. The next table ranks the cars with the cheapest average car insurance rates in Savannah, starting with the Toyota GR Corolla at $184 per month and ending with the Mazda 3 at $219 per month.

Cheapest Insurance for Cars in Savannah, GA
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,210$184
Nissan LeafCompact$2,230$186
Honda CivicCompact$2,252$188
Nissan SentraCompact$2,330$194
Subaru ImprezaCompact$2,338$195
Toyota PriusCompact$2,378$198
Kia K5Midsize$2,452$204
Honda AccordMidsize$2,456$205
Chevrolet MalibuMidsize$2,466$206
Toyota CorollaCompact$2,480$207
Kia ForteCompact$2,482$207
Volkswagen ArteonMidsize$2,500$208
Nissan VersaCompact$2,506$209
Subaru LegacyMidsize$2,512$209
Hyundai Ioniq 6Midsize$2,530$211
Mitsubishi Mirage G4Compact$2,566$214
Volkswagen JettaCompact$2,570$214
Toyota CrownMidsize$2,574$215
Hyundai SonataMidsize$2,578$215
Mazda 3Compact$2,630$219

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Savannah, GA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Savannah, GA, with the Toyota GR Corolla ranking first at $2,210 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Savannah, GA, with the Toyota GR Corolla ranking first at $2,210 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance cost for your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Savannah car insurance quotes from the best companies in Georgia.

Cheapest SUVs to insure in Savannah, GA

When comparing 2024 models, the top five most affordable SUVs to insure in Savannah are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Insurance rates for these models range from $1,878 to $2,026 per year.

Rounding out the top 10 are models like the Mazda CX-5, Hyundai Venue, Ford Bronco Sport, and Buick Envision, with an average car insurance cost of $2,084 per year or less.

Full-coverage car insurance in Savannah for this segment can cost as low as $157 per month, depending on the company and where you live. The next table ranks the SUVs with the cheapest average car insurance rates in Savannah, starting with the Subaru Crosstrek at $157 per month and ending with the Subaru Ascent at $185 per month.

Cheapest Insurance for SUVs in Savannah, GA
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,878$157
Chevrolet TrailblazerCompact$1,912$159
Kia SoulCompact$1,986$166
Nissan KicksCompact$2,002$167
Honda PassportMidsize$2,026$169
Buick EnvisionCompact$2,038$170
Toyota Corolla CrossCompact$2,050$171
Hyundai VenueCompact$2,062$172
Mazda CX-5Compact$2,074$173
Ford Bronco SportCompact$2,084$174
Volkswagen TiguanCompact$2,104$175
Nissan MuranoMidsize$2,136$178
Buick EncoreCompact$2,162$180
Subaru OutbackMidsize$2,166$181
Honda CR-VCompact$2,168$181
Buick EnvistaMidsize$2,176$181
Volkswagen TaosCompact$2,180$182
Kia NiroCompact$2,190$183
Subaru AscentMidsize$2,214$185
Honda HR-VCompact$2,216$185

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Savannah, GA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Savannah, GA, with the Subaru Crosstrek ranking first at $1,878 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Savannah, GA, with the Subaru Crosstrek ranking first at $1,878 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Savannah car insurance quotes from top-rated car insurance companies in Georgia.

Cheapest pickup trucks to insure in Savannah

In our comparison, the top five most affordable pickup trucks to insure in Savannah are the Chevrolet Colorado, Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. Average insurance rates for for these five pickups range from $2,238 to $2,466 per year.

Not the cheapest to insure, but still ranked well, are models like the GMC Sierra 2500 HD, Toyota Tacoma, Hyundai Santa Cruz, and GMC Canyon, with average annual insurance rates of $2,618 per year or less.

From a cost per month standpoint, auto insurance in this segment starts at an average of $187 per month, depending on your location and insurance company.

The comparison table below ranks the twenty pickups with the lowest-cost average insurance rates in Savannah.

Cheapest Insurance for Pickups in Savannah, GA
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,238$187
Nissan TitanFull-size$2,378$198
Nissan FrontierMidsize$2,406$201
Ford RangerMidsize$2,432$203
Ford MaverickMidsize$2,466$206
Honda RidgelineMidsize$2,526$211
Hyundai Santa CruzMidsize$2,566$214
Toyota TacomaMidsize$2,574$215
GMC Sierra 2500 HDHeavy Duty$2,588$216
GMC CanyonMidsize$2,618$218
Jeep GladiatorMidsize$2,678$223
GMC Sierra 3500Heavy Duty$2,694$225
Chevrolet Silverado HD 3500Heavy Duty$2,716$226
Chevrolet Silverado HD 2500Heavy Duty$2,792$233
GMC SierraFull-size$2,810$234
Chevrolet SilveradoFull-size$2,814$235
Nissan Titan XDHeavy Duty$2,814$235
Ford F150Full-size$2,846$237
GMC Hummer EV PickupFull-size$2,918$243
Ram TruckFull-size$2,940$245

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Savannah, GA Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Savannah, GA, with the Chevrolet Colorado ranking first at $2,238 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Savannah, GA, with the Chevrolet Colorado ranking first at $2,238 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Looking for insurance rates for a different truck? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Georgia.

Cheapest sports car insurance rates

The most affordable sports cars to insure in Savannah are the Mazda MX-5 Miata at $2,354 per year, the Toyota GR86 at $2,682 per year, and the Ford Mustang at $2,796 per year.

Also ranking well are models like the BMW M2, Subaru BRZ, Lexus RC F, and Nissan Z, with average annual insurance rates of $3,040 per year or less.

Ranking between positions 10 and 20, cars like the Chevrolet Camaro, Chevrolet Corvette, Porsche 718, Lexus LC 500, and Porsche 911 average between $3,040 and $4,308 per year for auto insurance in Savannah.

From a cost per month standpoint, auto insurance on this segment in Savannah can cost as low as $196 per month, depending on the company.

The comparison table below ranks the twenty sports cars with the lowest-cost car insurance rates in Savannah, starting with the Mazda MX-5 Miata at $2,354 per year and ending with the Porsche Taycan at $4,308 per year.

Cheapest Insurance for Sports Cars in Savannah, GA
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,354$196
Toyota GR86Sports Car$2,682$224
Ford MustangSports Car$2,796$233
BMW Z4Sports Car$2,810$234
Subaru WRXSports Car$2,852$238
Toyota GR SupraSports Car$2,858$238
BMW M2Sports Car$2,940$245
Nissan ZSports Car$2,948$246
Lexus RC FSports Car$3,006$251
Subaru BRZSports Car$3,040$253
BMW M3Sports Car$3,214$268
Porsche 718Sports Car$3,274$273
Chevrolet CamaroSports Car$3,304$275
Chevrolet CorvetteSports Car$3,522$294
Porsche 911Sports Car$3,642$304
BMW M4Sports Car$3,798$317
Lexus LC 500Sports Car$3,816$318
Jaguar F-TypeSports Car$4,012$334
Mercedes-Benz AMG GT53Sports Car$4,212$351
Porsche TaycanSports Car$4,308$359

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Savannah, GA Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Savannah, GA, with the Mazda MX-5 Miata ranking first at $2,354 per year.
Ranking of the cheapest sports cars to insure in Savannah, GA, with the Mazda MX-5 Miata ranking first at $2,354 per year.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Georgia.

Cheapest luxury car insurance rates

The top five models for the cheapest Savannah car insurance rates in the luxury car segment are the Lexus IS 300, Acura TLX, Mercedes-Benz CLA250, BMW 330i, and Acura Integra. Car insurance rates for these models average $219 or less per month.

Other luxury cars that have cheaper rates are the Cadillac CT4, Lexus ES 350, Lexus RC 300, and Genesis G70, with an average car insurance cost of $2,674 per year or less.

Ranking between positions 10 and 20, models like the BMW 230i, BMW 330e, Audi S3, Lexus IS 350, Cadillac CT5, and Lexus RC 350 average between $2,674 and $2,852 per year for insurance in Savannah.

From a cost per month standpoint, full-coverage auto insurance in this segment for the average driver starts at an average of $189 per month, depending on where you live.

When ranked by vehicle size, the lowest-cost compact luxury car model to insure in Savannah is the Acura Integra at $2,262 per year, or $189 per month. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,618 per year, or $218 per month. And for large luxury cars, the Audi A5 has the most affordable rates at $3,020 per year, or $252 per month.

The rate comparison table below ranks the cars with the lowest-cost car insurance in Savannah, starting with the Acura Integra at $189 per month and ending with the Audi S3 at $238 per month.

Cheapest Insurance for Luxury Cars in Savannah, GA
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,262$189
BMW 330iCompact$2,590$216
Mercedes-Benz CLA250Midsize$2,618$218
Lexus IS 300Midsize$2,622$219
Acura TLXCompact$2,630$219
Cadillac CT4Compact$2,656$221
Lexus ES 350Midsize$2,656$221
Genesis G70Compact$2,662$222
Mercedes-Benz AMG CLA35Midsize$2,668$222
Lexus RC 300Midsize$2,674$223
Lexus IS 350Compact$2,684$224
Jaguar XFMidsize$2,690$224
Cadillac CT5Midsize$2,740$228
Lexus ES 250Midsize$2,752$229
Lexus RC 350Compact$2,758$230
BMW 330eCompact$2,764$230
BMW 228iCompact$2,766$231
BMW 230iCompact$2,790$233
Lexus ES 300hMidsize$2,792$233
Audi S3Compact$2,852$238

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Savannah, GA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Savannah, GA, with the Acura Integra ranking first at $2,262 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Savannah, GA, with the Acura Integra ranking first at $2,262 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see your luxury car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Savannah car insurance quotes from top companies in Georgia.

Cheapest luxury SUV insurance rates

The four most affordable luxury SUVs to insure in Savannah are the Acura RDX at $2,126 per year, Lexus NX 250 at $2,250 per year, Cadillac XT4 at $2,298 per year, and Jaguar E-Pace at $2,378 per year.

Also ranking in the top 10 are luxury SUVs like the Lexus UX 250h, Lexus NX 450h, Lexus NX 350h, and Lincoln Corsair, with average insurance cost of $2,452 per year or less.

From a monthly standpoint, auto insurance rates in Savannah on this segment for a good driver starts at an average of $177 per month, depending on where you live and the company you use.

The rate comparison table below ranks the twenty SUVs with the lowest-cost car insurance in Savannah, starting with the Acura RDX at $2,126 per year ($177 per month) and ending with the Lexus RX 350 at $2,552 per year ($213 per month).

Cheapest Insurance for Luxury SUVs in Savannah, GA
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,126$177
Lexus NX 250Compact$2,250$188
Cadillac XT4Compact$2,298$192
Jaguar E-PaceMidsize$2,378$198
Cadillac XT5Midsize$2,400$200
Lexus NX 350hCompact$2,400$200
Lincoln CorsairCompact$2,430$203
Mercedes-Benz GLB 250Compact$2,434$203
Lexus UX 250hCompact$2,440$203
Lexus NX 450hCompact$2,452$204
Infiniti QX50Midsize$2,472$206
Mercedes-Benz GLA250Compact$2,480$207
Cadillac XT6Midsize$2,488$207
Mercedes-Benz GLA35 AMGCompact$2,488$207
Infiniti QX60Midsize$2,502$209
Mercedes-Benz AMG GLB35Midsize$2,506$209
Land Rover EvoqueCompact$2,540$212
Acura MDXMidsize$2,542$212
Lexus NX 350Compact$2,550$213
Lexus RX 350Midsize$2,552$213

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Savannah, GA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Savannah, GA, with the Acura RDX ranking first at $2,126 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Savannah, GA, with the Acura RDX ranking first at $2,126 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see your luxury SUV in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Georgia.

Price variation for driver risk

In an effort to show the amount that the cost of identical auto insurance can deviate for different applicants, the examples below have multiple rates for three popular models in Savannah: the Ford F150, Nissan Sentra, and Toyota RAV4.

Each example uses a variety of risk profiles to illustrate the difference in price based on minor driver risk profile changes.

Ford F150 insurance rates

Ford F150 insurance in Savannah costs an average of $2,846 per year (about $237 per month) and varies from $2,360 to $6,572.

Average 2024 Ford F150 insurance premiums in Savannah for different driver ages and risk scenarios.
Figure 4: Average 2024 Ford F150 insurance premiums in Savannah for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Savannah includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Savannah, GA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,572$548
Safe Driver Age 20$5,752$479
At-fault Accidents Age 40$4,040$337
Low Deductibles Age 40$3,728$311
Safe Driver Age 30$3,034$253
Safe Driver Age 40$2,846$237
Safe Driver Age 50$2,522$210
High Deductibles Age 40$2,392$199
Discount Rate Age 40$2,360$197
Safe Driver Age 60$2,358$197

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 27, 2025

The Ford F150 belongs to the full-size truck segment, and other models popular in Savannah include the Ram Truck, Toyota Tundra, Chevrolet Silverado, and Nissan Titan.

Nissan Sentra insurance rates

Insurance for a Nissan Sentra in Savannah averages $2,330 per year, or around $194 per month, and has a range of $1,934 to $5,296.

Average 2024 Nissan Sentra insurance premiums in Savannah for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Sentra insurance premiums in Savannah for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Savannah includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Savannah, GA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,296$441
Safe Driver Age 20$4,610$384
At-fault Accidents Age 40$3,300$275
Low Deductibles Age 40$2,944$245
Safe Driver Age 30$2,474$206
Safe Driver Age 40$2,330$194
Safe Driver Age 50$2,086$174
High Deductibles Age 40$2,004$167
Safe Driver Age 60$1,942$162
Discount Rate Age 40$1,934$161

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 26, 2025

The Nissan Sentra is considered a compact car, and other models popular in Savannah include the Toyota Corolla, Volkswagen Jetta, Chevrolet Cruze, and Honda Civic.

Toyota RAV4 insurance rates

Car insurance for a Toyota RAV4 in Savannah costs an average of $2,344 per year, or around $195 per month, and has a range of $1,948 to $5,396 per year.

Average 2024 Toyota RAV4 insurance premiums in Savannah for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota RAV4 insurance premiums in Savannah for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Savannah includes all Zip Codes and vehicle trim levels.

2024 Toyota RAV4 Insurance Cost in Savannah, GA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,396$450
Safe Driver Age 20$4,716$393
At-fault Accidents Age 40$3,332$278
Low Deductibles Age 40$3,036$253
Safe Driver Age 30$2,500$208
Safe Driver Age 40$2,344$195
Safe Driver Age 50$2,084$174
High Deductibles Age 40$1,988$166
Safe Driver Age 60$1,952$163
Discount Rate Age 40$1,948$162

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota RAV4 trim levels. Updated June 26, 2025

The Toyota RAV4 belongs to the compact SUV segment, and other popular models in the same segment include the Ford Escape, Chevrolet Equinox, and Mazda CX-5.

Saving money on car insurance

Drivers are always looking to reduce the monthly expense for auto insurance So take a minute and read through the money-saving ideas in the list below and maybe you can save a few bucks when buying auto insurance.

  • Clean up your credit to lower your rates. Having a high credit rating of over 800 may save $399 per year over a slightly lower credit score between 670-739. Conversely, a weaker credit score below 579 could cost up to $463 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Reduce coverage on older vehicles. Deleting physical damage coverage from older vehicles whose value has decreased can cheapen the cost substantially.
  • Tickets and violations can cost a lot. To get affordable auto insurance in Savannah, it pays to follow traffic laws. Just a couple of minor driving infractions have the consequences of raising insurance policy cost by as much as $674 per year.
  • Avoid filing small claims. Auto insurance companies give a discount if you do not file any claims. Auto insurance should be used in the case of significant claims, not for minor claims that can easily be paid out-of-pocket.
  • Lots of policy discounts equals cheaper auto insurance. Discounted rates may be available if the insured drivers sign their policy early, are good students, belong to certain professional organizations, insure multiple vehicles on the same policy, or many other policy discounts which could save the average Savannah driver as much as $430 per year on auto insurance.