Car Insurance Savannah, GA

How much does Car Insurance cost in Savannah?

In Savannah, the average cost of auto insurance is $1722 annually. That is more expensive than both the national average ($1557) and the average for the state of Georgia ($1626).

Savannah Rates Vs Georgia Vs United States Averages

Savannah Car Insurance Rates by Company

The best way to save money on auto insurance is to get quotes from as many different providers as you can and then choose the one that offers the lowest price. Georgia Farm Bureau provides the most affordable insurance rates in Savannah for the typical policyholder. The top affordable auto insurance providers in Savannah are highlighted below.

Savannah Auto Insurance Rates by Age

According to our research, 29% of Savannah drivers are between the ages of 20 and 29. The best age range for auto insurance prices in Savannah is the 50s, and premiums average $1512 annually for drivers in this age range. Sixty-one-year-old drivers pay somewhat higher rates, $1560 per year.

Savannah Car Insurance Rates by Credit Score

It's no secret that rates for auto insurance are highly associated with credit scores. Actually, drivers in Savannah who raise their credit score from the "Very Poor" tier (300–579) to the "Exceptional" tier (800–850) get an average 51% reduction in their vehicle insurance premiums. One of the most crucial steps to lowering your car insurance costs is to go from "Very Poor" to "Fair" credit.

In Savannah, lowering your credit score to "Fair" may enable you to receive a $1062 discount on your annual auto insurance premium. According to our statistics, 40% of Savannah drivers have an average credit score (580-679).

Savannah Car Insurance Rates by Violation

One of the best ways to reduce your insurance costs is to keep your driving record spotless. Car insurance prices rise as a result of at-fault accidents, DUIs and DWIs, fines for careless driving, and speeding infractions. Insurance providers give low-risk drivers discounted rates as a present.

Savannah drivers found guilty of reckless driving incur higher vehicle insurance premiums—by $928 annually—than the city average. An average speeding ticket increases rates by $465, but an annual insurance premium for a DUI charge is $1,324.

What Would Increase Your Car Insurance Rate In Savannah?

• Having an Accident or Ticket: This is a big one! Get into an accident or get a ticket for speeding, running a red light, or other driving violations. Your insurance company will see you as a riskier driver. This means you'll pay more for your insurance.
• Being a Young Driver: Teenagers and young adults (under 25) are statistically more likely to get into accidents. Because of that, insurance companies charge them a lot more for car insurance.
• Having a Bad Credit Score: Believe it or not, your credit score can affect your car insurance rate. People with lower credit scores are seen as a higher risk by insurance companies so that they might charge them more.
• Living in a High-Crime Area: Suppose you live in a part of Savannah where there are a lot of car thefts or vandalism incidents. In that case, your insurance company might charge you more because they think your car is more likely to get stolen or damaged.
• Driving a Fancy Car: Insurance companies consider the cost of repairing or replacing your car when setting your rates. If you drive a sports car or a luxury vehicle, it will likely cost more to insure than a more basic car.

Here are some ways to keep your car insurance rate low:

• Drive safely and avoid accidents and tickets.
• Wait until you're older (over 25) to get your car insurance.
• Work on improving your credit score.
• Consider taking a defensive driving course.
• Shop around for different car insurance quotes to find the best deal.

Remember, these are just some of the things that can affect your car insurance rate in Savannah. It's always best to talk to your insurance company to find out how you can save money.

Auto Theft Statistics In Savannah

Accidents Statistics In Savannah

Auto insurance in Savannah: Minimum insurance requirement in Georgia

Car insurance is a must for all Georgia drivers, and understanding the minimum requirements is the first step.

Here's a quick breakdown to get you started:

Georgia requires all drivers to carry minimum liability insurance. This means your insurance company will pay for injuries and property damage you cause to others in an accident but not for your injuries or damage to your car.

Remember: This is the minimum coverage required by law. It's a good starting point, but more is needed to cover all the costs in a serious accident.

Here are some additional things to consider:

• Collision coverage: Pays to repair or replace your car if you're at fault in an accident or if it's stolen.
• Comprehensive coverage: Covers damage to your car caused by things other than collisions (e.g., theft, fire, vandalism, weather events).
• Uninsured/Underinsured motorist coverage: Protects you if the driver who hits you doesn't have insurance or doesn't have enough coverage.

Choosing the Right Coverage

Talk to a licensed insurance agent to understand your options and find a policy that fits your needs and budget. They can explain different coverage levels and deductibles (the amount you pay out of pocket before your insurance kicks in).

Stay Safe and Drive Smart!

With the proper car insurance, you can drive with peace of mind, knowing you're financially protected in case of an accident. Remember, following traffic laws and practicing safe driving habits are the best ways to avoid accidents altogether.

Useful Info For Driving in Savannah

Savannah is a beautiful city to explore, and driving around can be a great way to see the sights. Here are some handy tips to make your cruise through Savannah smooth and safe:

Keeping it Calm

• Relaxed Pace: Compared to big cities, traffic in Savannah is generally slower and more relaxed. Most of the time, you can expect to cruise without feeling rushed.
• Rush Hour Heads-Up: As with most places, mornings (7-9 am) and evenings (4-6 pm) around rush hour can get busier, especially on major roads like I-95 and Abercorn Street. Try to avoid these times for long commutes.

Safety First

• Seatbelt Click: This is a no-brainer! The law says everyone in the car needs to be buckled up, so make it a habit for all passengers.
• Focus on the Drive: Don't text or use your phone while driving. It's dangerous and can get you in trouble.
• Speed Limits Matter: Pay attention to the posted speed limits. They can change often, so be sure to adjust your speed accordingly.
• Watch Out for Walkers and Bikers: Savannah is friendly to pedestrians and cyclists. Be extra cautious around crosswalks, intersections, and bike lanes.

Knowing the Streets

• Highways for Long Trips: If you're going long distances, you'll likely use I-95 (north-south) or I-16 (east-west).
• Getting Around Town: Abercorn Street runs east-west and is a major road through Savannah.
• Downtown Grid: The streets in downtown Savannah are laid out in a grid pattern, making it easier to navigate, especially for new drivers.

Parking Tips

• Street Parking: Metered street parking is available downtown and in some neighborhoods. Pay close attention to the signs for time limits to avoid getting a ticket.
• Parking Garages: There are multi-level parking garages scattered throughout the city, offering convenient options for longer stays.
• Read the Signs: Always pay attention to parking signs to avoid any surprises or tickets. Look for restrictions on time limits, permits, and designated spots.

Bonus Tip

• Download a Navigation App: A GPS app like Waze or Google Maps can help you navigate unfamiliar areas and see real-time traffic updates.

By following these simple tips and staying alert, you can enjoy a safe and stress-free driving experience in Savannah! Remember, courtesy and defensive driving go a long way in keeping the roads safe for everyone.

Car Insurance Companies in Savannah