Car Insurance in Savannah, GA – 2024 Rates + Cheapest Quotes

• Average car insurance cost in Savannah is $1,978 per year, or $165 per month, for a policy with full coverage.
• Savannah, GA, car insurance costs $30 per year more than the Georgia state average rate ($1,948) and $95 per year more than the average rate for all 50 states ($1,883).
• Auto insurance rates for a few popular models in Savannah include the Ford F150 at $184 per month, GMC Sierra at $182, and Subaru Outback at $140.
• 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 $1,574 per year, Jaguar E-Pace at $1,848 per year, Acura RDX at $1,654 per year, and Mercedes-Benz CLA250 at $2,038 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 $1,978 per year, which is 4.9% more than the U.S. average rate of $1,883. The average monthly cost of car insurance in Savannah is $165 for a full-coverage car insurance policy.

The average car insurance cost in Georgia is $1,948 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, $200 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 – $7,042 per year or $587 per month
• 17-year-old rated driver – $6,822 per year or $569 per month
• 18-year-old rated driver – $6,114 per year or $510 per month
• 19-year-old rated driver – $5,568 per year or $464 per month
• 20-year-old rated driver – $3,976 per year or $331 per month
• 30-year-old rated driver – $2,108 per year or $176 per month
• 40-year-old rated driver – $1,978 per year or $165 per month
• 50-year-old rated driver – $1,752 per year or $146 per month
• 60-year-old rated driver – $1,642 per year or $137 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 rates in the prior chart range from $1,644 per year for a 40-year-old driver who qualifies for a cheap discount rate to $4,550 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 $1,978 per year in Savannah.

As a monthly amount, the average cost of car insurance in Savannah ranges from $137 to $379 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 cost to insure popular vehicles in Savannah

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.

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 – $1,978 (Savannah average) versus $1,883 (U.S. average)
• Teen females pay lower rates than teen males – Female drivers age 16 to 19 pay $864 to $465 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 $2,334 per year cheaper than for a 20-year-old driver.
• Average car insurance cost per month ranges from $137 to $587 – 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 $1,868 less each year than a 20-year-old driver, $2,108 versus $3,976.
• Low deductible auto insurance costs more – A 30-year-old driver pays an average of $538 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 $134 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 $1,698 or less per year, or around $142 per month.

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

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.

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 $2,038 per year for a full coverage policy up to the BMW M8 costing $3,330 per year, a difference of $1,292 within that segment.

As another example, in the large luxury SUV segment, the average insurance cost ranges from the Infiniti QX80 at $2,218 per year up to the Mercedes-Benz G63 AMG costing $4,248 per year, a difference of $2,030 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 $1,816 or less per year, or around $151 per month.

Other cars that have affordable average insurance rates include the Honda Accord, Toyota Prius, Kia K5, and Chevrolet Malibu, with average rates of $1,918 per year or less.

Auto insurance rates in Savannah for this segment for an average middle-age driver starts at an average of $143 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 $143 per month and ending with the Mazda 3 at $170 per month.

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 $1,462 to $1,574 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 $1,622 per year or less.

Full-coverage car insurance in Savannah for this segment can cost as low as $122 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 $122 per month and ending with the Honda HR-V at $143 per month.

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 $1,692 to $1,918 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 $2,034 per year or less.

From a cost per month standpoint, auto insurance in this segment starts at an average of $141 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.

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 $1,832 per year, the Toyota GR86 at $2,084 per year, and the Ford Mustang at $2,170 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 $2,364 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 $2,364 and $3,346 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 $153 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 $1,832 per year and ending with the Porsche Taycan at $3,346 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 $171 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 $2,080 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 $2,080 and $2,218 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 $147 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 $1,760 per year, or $147 per month. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,038 per year, or $170 per month. And for large luxury cars, the Audi A5 has the most affordable rates at $2,342 per year, or $195 per month.

The rate comparison table below ranks the cars with the lowest-cost car insurance in Savannah, starting with the Acura Integra at $147 per month and ending with the Audi S3 at $185 per month.

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 $1,654 per year, Lexus NX 250 at $1,752 per year, Cadillac XT4 at $1,788 per year, and Jaguar E-Pace at $1,848 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 $1,906 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 $138 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 $1,654 per year ($138 per month) and ending with the Lexus NX 350 at $1,984 per year ($165 per month).

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 $2,210 per year (about $184 per month) and varies from $1,836 to $5,110.

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 $1,812 per year, or around $151 per month, and has a range of $1,504 to $4,118.

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 $1,822 per year, or around $152 per month, and has a range of $1,514 to $4,188 per year.

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 $311 per year over a slightly lower credit score between 670-739. Conversely, a weaker credit score below 579 could cost up to $360 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 $526 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 $334 per year on auto insurance.