Cheap Car Insurance in Savannah, GA
Savannah stands out for its architectural beauty and rich history, making it a city like no other. As the oldest city in Georgia, it offers a unique blend of charm and heritage that appeals to everyone who visits.
If you’re planning to drive around this city, having car insurance is a must. Continue reading to discover everything you need to know about auto insurance in our area, from average costs to potential discounts and valuable insights that will protect you on every journey.
Everything You Need to Know About Auto Insurance in Savannah, GA
Savannah was founded in 1733 and is now the fifth most populous city in the Peach State, with over 146,000 residents. In addition to its inhabitants, this city is filled with cobblestone streets, historic landmarks, and lush greenery that capture the essence of the antebellum South. Whether it’s the awe-inspiring architecture of the Owens-Thomas House or the serenity of Forsyth Park, the city offers an experience steeped in history and beauty.
While traffic in Savannah is generally lighter than in other cities like Atlanta, it’s still essential to have reliable car insurance. Accidents can occur, and being prepared with adequate coverage is crucial, whether you’re exploring the city’s streets or venturing out to admire the coastal landscapes.
At Southern Harvest, we’re here to help you discover the best coverage options, ensuring that every journey in this city and beyond is safe and secure.
How Much Does Car Insurance Cost in Savannah, GA?
In this city, car insurance costs are surprisingly budget-friendly when compared to state and national averages. For liability auto coverage, residents usually pay about $53 a month, while full coverage comes in at around $152. This is less than Georgia’s state averages of $68 for liability and $218 for a full plan.
On a national scale, liability insurance typically costs $62, while full car coverage runs around $215.
Reasons Why Insurance is so Expensive in Georgia?
Car insurance prices in Georgia can sometimes reach hefty levels due to various factors at play. The state witnesses a significant number of accidents, particularly in bustling urban centers like Atlanta, causing premiums to soar.
Moreover, the persistent congestion and unpredictable weather conditions prompt carriers to enforce higher rates to mitigate the elevated risks of accidents and damages.
But, in Savannah, the situation deviates considerably. With slightly less congested streets and fewer traffic incidents, premiums become remarkably more affordable.
Affordable Car Insurance Rates Comparison by Cities in Georgia
The cost of your vehicle insurance depends heavily on the city you reside in, even within the same state. Various factors like car theft, accidents, traffic, and road conditions contribute to differing risks for you and your vehicle. Refer to the table below for average monthly premiums in different cities across the Peach State.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Savannah | $152 | $53 |
| Augusta | $132 | $46 |
| Columbus | $142 | $48 |
| Douglasville | $152 | $55 |
| Redan | $193 | $74 |
| Atlanta | $187 | $69 |
Affordable Savannah Car Insurance Rates by Zip Code
In the same town, you might be surprised that coverage prices can differ depending on your zip code. That depends on how crazy the traffic is, the crime levels, and how accident-prone an area is. All play a role in why premiums swing from one side of town to the other. For instance, Abercorn Street is a hotspot for fender-benders.
Take a peek at the table down below to see how rates shake out in various zip codes around Savannah.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 31401 | $152 | $53 |
| 31405 | $151 | $54 |
| 31406 | $145 | $52 |
| 31410 | $133 | $47 |
| 31411 | $135 | $47 |
Low-Cost Car Insurance Rates by Age in Savannah
If you’re a college student under 25 or just getting to driving, you’ll be paying more for your policy compared to your more seasoned counterparts. As you rack up more miles and birthdays on the road, your rates should start to head south, and by the time you hit your 50s, you might get the best deals. Check out the table below to get a glimpse of the average auto insurance costs based on age in Savannah.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $697 | $273 |
| 20s | $344 | $132 |
| 30s | $152 | $53 |
| 40s | $140 | $49 |
| 50s | $131 | $46 |
| 60s | $128 | $46 |
| 70s | $146 | $54 |
*We use the following methodology to arrive at our average cost: male, age 30, state minimum liability, and full coverage of 100/300/100.
Driving Conditions in Savannah
For many people, Savannah is a good place to drive, although there is often traffic during peak hours and parking spots can be scarce at times. If you are new to driving in the area, it is best not to go too fast and to be careful with roundabouts, although generally you will not encounter bad road conditions.
How Many Car Accidents Happen in Savannah?
Between 2019 and 2023, a total of 39,922 accidents were reported in Savannah, with 79 of them resulting in fatalities and claiming the lives of 82 individuals. To avoid becoming part of these statistics, remember to stay focused while driving and never engage in drunk driving.
How Are the Road Infrastructure and Bridges in Savannah?
In general, the streets and bridges in Savannah are in good condition, with recent improvements made to signage, lighting, and drainage systems. An ambitious project in the area is raising the Eugene Talmadge Memorial Bridge to accommodate bigger cargo ships at the Port of Savannah. This $189 million initiative is scheduled to start construction in 2025.
Additionally, the city runs the Savannah Shines program, offering opportunities for the community to help enhance both public and private spaces.
Minimum Car Insurance Requirements in Savannah
In Savannah and throughout the Peach State, there are minimum coverage requirements that must be met to drive legally. The minimum policy required in Georgia is a 25/50/25, which consists of:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
These minimum requirements ensure coverage for damages and injuries caused in an at-fault accident. For enhanced protection, it’s best to consider higher coverage limits or opt for a full plan that includes collision and comprehensive insurance.
What Are the Penalties for Driving Without Insurance in Savannah?
Georgia is very strict against uninsured drivers because it works hard to no longer be the seventh state with the highest rate of these drivers on the streets. If caught without auto insurance, you could face:
- Up to a year in jail
- $25 fine initially, with an additional $160 if not paid within 30 days
- License suspension for 60 to 90 days
- Vehicle impoundment
- Fees to reinstate your license and penalties for coverage gaps
In serious cases involving accidents with injuries or death, you may be charged with a felony, leading to hefty fines or imprisonment.
Keep in mind, having insurance coverage is essential in Georgia to avoid these consequences.
Factors Allowed in Savannah Car Insurance Rates
Have you ever thought about what factors impact the cost of your insurance in Savannah? It’s not just your age and location that matter; insurance companies consider various elements, including:
- Level of education
- Credit score
- Marital status
- The make and model of your vehicle
- Your choice of deductible
Plus, factors like your driving record, annual mileage, and any previous insurance claims also come into play.
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What Happens If I Damage Property?
If you happen to damage someone else’s property, such as a vehicle, a fence, or public property, you could be held financially liable for the damages. In these situations, your liability insurance typically steps in to cover the costs, depending on the specifics of your policy.
It’s essential to have sufficient coverage to avoid potential out-of-pocket expenses for repairs.
What are the Best Discounts for Car Insurance in Savannah, GA?
Looking for cheap car insurance? One of the most effective ways to save without compromising your road safety is by taking advantage of the various driver discounts available. For instance, families in Georgia can benefit greatly from the multiple car coverage discount.
In Savannah, here are some other discounts you might qualify for:
Get a Quote for Car Insurance Coverage in Savannah Today!
To maximize your savings and ensure your safety on the roads of Savannah and throughout Georgia, trust the friendly team of agents at Southern Harvest. We specialize in finding the best cheap car insurance tailored to your needs and budget, so you can relax without any worries. Getting a quote is free, easy and quick—simply do it online, visit one of our nearby offices, or give us a call at 877-831-4677.
