Savannah is a small city with oak-lined streets, historic architecture and roughly 150,000 people. But between 2016 and 2021, there were almost 52,000 crashes within city limits — about one accident for every three residents, according to the Georgia Department of Transportation.
The city has committed to the Vision Zero plan, which aims to eliminate all traffic fatalities and serious injuries by 2027. Still, it’s best to financially protect yourself with a car insurance policy. We’ve collected real policy quotes from Jerry customers to show the cheapest car insurance quotes in Savannah based on factors like your driving record, age, location and how much coverage you need.
More: Best car insurance in Georgia
Cheapest minimum coverage insurance in Savannah, GA
Here are the cheapest quotes for minimum coverage in Savannah, based on Jerry’s data.
Georgia requires drivers to carry a minimum amount of these coverage types:
- Bodily injury liability of $25,000 per person and $50,000 per incident.
- Property damage liability of $25,000 per incident.
Minimum coverage pays for only others’ injuries or property damage after a crash you cause, but not your own.
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Georgia
Cheapest full coverage insurance in Savannah
Full coverage would cover your own car if it’s damaged because of theft, vandalism or a collision. It would also pay for damage from weather events, including hurricanes and lightning strikes, which are frequent in Savannah according to FEMA’s National Risk Index.
Here are the cheapest quotes for full coverage in Savannah, based on data from Jerry customers.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $90 | $1,084 | 64 | 09/12/25 | 31404 | ||
| $94 | $1,130 | 53 | 07/18/25 | 31410 | ||
| $99 | $1,182 | 54 | 09/24/25 | 31408 | ||
| $108 | $1,298 | 37 | 06/13/25 | 31406 | ||
| $109 | $1,302 | 41 | 06/19/25 | 31419 | ||
| $111 | $1,326 | 38 | 06/14/25 | 31404 | ||
| $111 | $1,332 | 48 | 09/30/25 | 31419 | ||
| $114 | $1,368 | 52 | 10/09/25 | 31419 | ||
| $116 | $1,386 | 45 | 07/04/25 | 31408 | ||
| $118 | $1,414 | 52 | 11/02/25 | 31404 |
More: Best car insurance companies
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in Savannah (18-29 years old)
Young drivers tend to pay more for car insurance because they lack experience on the road, which insurers see as a risk. Fortunately, insurance premiums typically decline as drivers head into their 20s. Here are the cheapest quotes in Savannah for drivers between 18 to 29 years old, according to Jerry’s data.
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
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City, State
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ZIP Code
|
|---|---|---|---|---|---|---|---|
| $33 | $398 | 24 | No | 10/01/25 | 31406 | ||
| $33 | $398 | 28 | No | 07/18/25 | 31401 | ||
| $34 | $402 | 28 | No | 09/26/25 | 31405 | ||
| $38 | $453 | 25 | No | 10/20/25 | 31405 | ||
| $98 | $1,170 | 25 | No | 10/17/25 | 31419 | ||
| $111 | $1,326 | 38 | 06/14/25 | 31404 | |||
| $111 | $1,332 | 48 | 09/30/25 | 31419 | |||
| $114 | $1,368 | 52 | 10/09/25 | 31419 | |||
| $116 | $1,386 | 45 | 07/04/25 | 31408 | |||
| $118 | $1,414 | 52 | 11/02/25 | 31404 |
Cheapest car insurance for mature drivers in Savannah (30-54 years old)
Drivers who are 30 to 54 years old tend to get lower quotes than younger drivers, but it’s wise to go shopping for car insurance to ensure you’re paying the lowest rate possible. Here are Jerry’s cheapest quotes for mature drivers in Savannah.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $23 | $274 | 43 | No | 10/26/25 | 31419 | ||
| $27 | $319 | 34 | No | 07/09/25 | 31410 | ||
| $30 | $364 | 41 | No | 09/27/25 | 31404 | ||
| $33 | $398 | 31 | No | 09/03/25 | 31407 | ||
| $34 | $402 | 31 | No | 09/21/25 | 31401 | ||
| $111 | $1,326 | 38 | 06/14/25 | 31404 | |||
| $111 | $1,332 | 48 | 09/30/25 | 31419 | |||
| $114 | $1,368 | 52 | 10/09/25 | 31419 | |||
| $116 | $1,386 | 45 | 07/04/25 | 31408 | |||
| $118 | $1,414 | 52 | 11/02/25 | 31404 |
Cheapest car insurance for older drivers in Savannah (55+ years old)
Drivers over 54 years old typically pay the cheapest auto insurance premiums, until they reach their 70s. Below are the cheapest auto insurance quotes in Savannah for seniors, according to Jerry’s data.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $34 | $402 | 65 | 09/25/25 | 31401 | No | ||
| $95 | $1,142 | 59 | 09/05/25 | 31401 | No | ||
| $99 | $1,192 | 59 | 06/21/25 | 31419 | Yes | ||
| $103 | $1,238 | 59 | 06/09/25 | 31405 | No | ||
| $104 | $1,242 | 55 | 10/12/25 | 31405 | No | ||
| $111 | $1,326 | 38 | 06/14/25 | 31404 | |||
| $111 | $1,332 | 48 | 09/30/25 | 31419 | |||
| $114 | $1,368 | 52 | 10/09/25 | 31419 | |||
| $116 | $1,386 | 45 | 07/04/25 | 31408 | |||
| $118 | $1,414 | 52 | 11/02/25 | 31404 |
Cheapest car insurance for drivers with clean records in Savannah
You’ll typically get the cheapest auto insurance rate if you don’t have infractions, citations or accidents on your driving record. Here are the cheapest car insurance quotes for drivers with clean records in Savannah, based on Jerry’s data.
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $23 | $270 | 35 | 08/27/25 | No | 31419 | ||
| $27 | $319 | 34 | 07/09/25 | No | 31410 | ||
| $33 | $398 | 36 | 10/13/25 | No | 31401 | ||
| $33 | $398 | 24 | 10/01/25 | No | 31406 | ||
| $33 | $398 | 34 | 07/13/25 | No | 31419 | ||
| $33 | $398 | 28 | 07/18/25 | No | 31401 | ||
| $33 | $398 | 44 | 08/11/25 | No | 31419 | ||
| $34 | $402 | 28 | 09/26/25 | No | 31405 | ||
| $34 | $402 | 65 | 09/25/25 | No | 31401 | ||
| $38 | $453 | 25 | 10/20/25 | No | 31405 |
Cheapest car insurance for drivers with low credit scores in Savannah
Georgia allows insurers to use credit-based insurance score to set prices for car insurance, and having a lower credit score usually means you’ll pay a higher premium. Every insurer weighs credit scores differently when pricing rates, so rate shopping can help you get the cheapest policy.
Here are the cheapest quotes for drivers in Savannah with credit scores under 550, based on Jerry’s data.
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Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Date of Policy
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City, State
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ZIP Code
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|---|
|
Credit Score
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Date of Policy
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City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $115 | $1,378 | 45 | 11/09/24 | 31419 | ||
| <550 | $118 | $1,420 | 31 | 08/16/25 | 31404 | ||
| <550 | $121 | $1,456 | 46 | 08/16/25 | 31419 | ||
| <550 | $128 | $1,534 | 38 | 05/02/25 | 31405 | ||
| <550 | $137 | $1,642 | 38 | 04/16/25 | 31404 | ||
| $33 | $398 | 28 | 31401 | ||||
| $33 | $398 | 44 | 31419 | ||||
| $34 | $402 | 28 | 31405 | ||||
| $34 | $402 | 65 | 31401 | ||||
| $38 | $453 | 25 | 31405 |
Cheapest car insurance for drivers with at-fault accidents in Savannah
Drivers with at-fault accidents on their records are likely to pay higher premiums. If you’ve recently been in an accident, compare quotes from multiple companies to find the lowest rate. Below are the cheapest quotes for drivers in Savannah with an at-fault accident on their records, based on Jerry’s data.
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Has Full Coverage
|
Date of Policy
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City, State
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ZIP Code
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|---|
|
At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
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Has Full Coverage
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Date of Policy
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City, State
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ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $106 | $1,268 | 34 | No | 08/02/25 | 31404 | ||
| At Fault With No Injury | $106 | $1,268 | 35 | Yes | 09/12/25 | 31419 | ||
| At Fault With No Injury | $118 | $1,420 | 31 | No | 08/16/25 | 31404 | ||
| At Fault With No Injury | $128 | $1,534 | 38 | No | 05/02/25 | 31405 | ||
| At Fault With No Injury | $130 | $1,556 | 58 | No | 04/09/25 | 31419 | ||
| $33 | $398 | 28 | No | 31401 | ||||
| $33 | $398 | 44 | No | 31419 | ||||
| $34 | $402 | 28 | No | 31405 | ||||
| $34 | $402 | 65 | No | 31401 | ||||
| $38 | $453 | 25 | No | 31405 |
Cheapest car insurance for drivers with speeding tickets in Savannah
Your insurance premium will likely increase if you receive a speeding ticket, but the increase depends on the speed you were cited at. Each insurer penalizes these violations differently, so shopping around for the best quote can help you keep insurance costs as low as possible.
Here are the cheapest quotes that Jerry customers in Savannah with speeding tickets have received.
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Violation Summary
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $86 | $1,026 | 36 | 09/08/25 | 31419 | ||
| Speeding over 15 | $101 | $1,214 | 42 | 11/10/25 | 31410 | ||
| Speeding over 15 | $116 | $1,392 | 40 | 11/02/25 | 31419 | ||
| Speeding under 15 | $127 | $1,522 | 25 | 09/29/25 | 31419 | ||
| Speeding under 15 | $133 | $1,594 | 47 | 09/15/25 | 31404 | ||
| $33 | $398 | 28 | 07/18/25 | 31401 | |||
| $33 | $398 | 44 | 08/11/25 | 31419 | |||
| $34 | $402 | 28 | 09/26/25 | 31405 | |||
| $34 | $402 | 65 | 09/25/25 | 31401 | |||
| $38 | $453 | 25 | 10/20/25 | 31405 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
