Savannah, GA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Savannah, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
In Savannah, Georgia, the biggest savings in car insurance premiums are made by younger drivers
In a recent analysis of car insurance premiums in Savannah, Georgia, Zimlon found that 35-year-old married women with 17-year-old drivers can potentially make the biggest savings – of $1,457 – between the 25th and 75th percentiles of premiums. This cohort is followed by 19-year-old single male drivers who save $1,402. For 19-year-old single female drivers with one speeding ticket in the last 12 months, this value is $1,082 and for those with no tickets, it is $1,025.
Zimlon sourced this information from the Office of Insurance and Safety Fire Commissioner, Georgia. Car insurance rates are influenced by several factors, such as the car model, coverage values, daily and annual mileage, etc.
For this survey, the property damage liability, bodily injury per person and per accident limits are chosen as per the state minimums. The car chosen is a 2012 Toyota Camry, six-cylinder, four-door sedan. The uninsured motorist coverage per person is $25,000. The drivers analyzed traveled about 12 miles to over 15 miles daily. Annual mileage is between 12,000 miles and over 15,000 miles. The comprehensive and collision deductibles chosen are $500 and $1,000, respectively. The medical payment coverage per accident is $2,000.
An analysis of car insurance rates for specific customer cohorts shows that 40-year-old married male drivers pay the cheapest premiums. Coast National Insurance offers the cheapest rate for this cohort, at $161. The median rate is offered by Geico Indemnity Company, at $622. The second cheapest rates are paid by 65-year-old retired married drivers. AIG Property Casualty Company offers the cheapest rate for this river cohort, at $165. The median rate comes from State Farm Mutual Automobile Insurance, at $601.
The most expensive rates are paid by 19-year-old single male drivers, among all driver categories. Everest Security Insurance Company offers the most expensive premium to this cohort, at $7,166. The median premium is provided by Chubb National Insurance, at $1,801. The second-most expensive rates are paid by 28-year-old married male drivers with one speeding ticket in 30 months. Horace Mann Insurance offers the most expensive premium for this category of drivers, at $6,756, and the median premium is offered by Progressive Premier Insurance Company of Illinois, at $1,291.
The following graph compares premium rates across key customer cohorts in Savannah, Georgia.
The following table compares car insurance premiums for key cohorts in Savannah, Georgia, and the difference between the 75th and 25th percentiles of premium rates.
| Cohort | Cheapest car insurance companies in Savannah, GA | Most expensive car insurance companies in Savannah, GA | Car insurance companies offering median rates in Savannah, GA | 25th percentile of car insurance premiums in Savannah, GA | 75th percentile of car insurance premiums in Savannah, GA | Dollar difference between the 25th and 75th percentiles | Percentage difference between the 25th and 75th percentiles |
|---|---|---|---|---|---|---|---|
| 19-year-old single female drivers | Coast National Insurance Company ($392) | Everest Security Insurance Company ($4,670) | Allstate Property & Casualty Insurance Company ($1,506) | United Services Automobile Association ($990) | Alfa General Insurance Corporation ($2,015) | $1,025 | 103.54% |
| 19-year-old single female drivers with one speeding ticket in 12 months | Coast National Insurance Company ($429) | Everest Security Insurance Company ($5,393) | Metropolitan Casualty Insurance Company ($1,712) | Travelers Property Casualty Insurance Company ($1,174) | Alfa General Insurance Corporation ($2,256) | $1,082 | 92.16% |
| 19-year-old single male drivers | AIG Property Casualty Company ($487) | Everest Security Insurance Company ($7,166) | Chubb National Insurance Company ($1,801) | Safeco Insurance Company Of Indiana ($1,364) | Trexis One Insurance Corporation ($2,766) | $1,402 | 102.79% |
| 28-year-old married male drivers with one speeding ticket in 30 months | Coast National Insurance Company ($251) | Horace Mann Insurance Company ($6,756) | Progressive Premier Insurance Company Of Illinois ($1,291) | American Independent Insurance Company, ($930) | American Standard Insurance Company Of Ohio ($1,740) | $810 | 87.1% |
| 30-year-old married female drivers with one speeding ticket in 12 months | Coast National Insurance Company ($268) | Everest Security Insurance Company ($2,947) | First Acceptance Insurance Company Of Georgia ($936) | Garrison Property And Casualty Insurance Company ($715) | MGA Insurance Company ($1,385) | $670 | 93.71% |
| 35-year-old married women with 17-year-old single male drivers | AIG Property Casualty Company ($250) | Everest Security Insurance Company ($6,917) | Federal Insurance Company ($1,728) | Hartford Insurance Company Of The Southeast ($1,330) | Titan Indemnity Company ($2,787) | $1,457 | 109.55% |
| 40-year-old married male drivers | Coast National Insurance Company ($161) | Everest Security Insurance Company ($1,961) | Geico Indemnity Company ($622) | Hartford Accident And Indemnity Company ($455) | Trexis One Insurance Corporation ($866) | $411 | 90.33% |
| 65-year-old retired married drivers | AIG Property Casualty Company ($165) | Everest Security Insurance Company ($2,142) | State Farm Mutual Automobile Insurance Company ($601) | United Services Automobile Association ($402) | Main Street America Assurance Company ($848) | $446 | 110.95% |
Factors that can influence the cost of car insurance in Savannah, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Savannah, GA Auto Insurance Rates
- Savannah, GA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Savannah, GA
- Multi Vehicle Insurance Savings in Savannah, GA
- How Credit Score Affects Car Insurance Rates in Savannah, GA
- How DUI Affects Auto Insurance Premiums in Savannah, GA
- Top Auto Insurance Agents Near Savannah, GA
- How Driving Violations Affect Auto Insurance Rates in Savannah, GA
- Savannah, GA Auto Insurance Discounts on Anti Theft Feature
- Savannah, GA Auto Insurance Company Reviews
Savannah, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Savannah, GA with that of other cities in and around Savannah.
| Savannah | Vernonburg | Georgetown | Skidaway Island | Isle of Hope | Montgomery | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,596 | $2,349 | $1,654 | $1,976 | $1,815 | $1,866 |
Savannah, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Savannah, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Savannah | $1,091 | $921 |
| Vernonburg | $1,449 | $1,224 |
| Skidaway Island | $1,602 | $1,353 |
| Chatham County | $1,452 | $1,227 |
| Isle of Hope | $1,332 | $1,125 |
| Montgomery | $1,655 | $1,398 |
| Dutch Island | $1,913 | $1,616 |
| Georgetown | $1,704 | $1,439 |
Savannah, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Savannah, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,179 |
| 20 Years | $2,051 |
| 30 Years | $1,580 |
| 40 Years | $1,520 |
| 50 Years | $1,407 |
| 60 Years | $1,427 |
| 70 Years | $1,661 |
Savannah, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Savannah, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,809 | $383 |
| 3 Vehicles | $4,213 | $575 |
| 4 Vehicles | $5,618 | $766 |
Savings on 2 Vehicles bundle:$383
Savings on 3 Vehicles bundle:$575
Savings on 4 Vehicles bundle:$766
Savannah, GA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Savannah, GA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Savannah | $1,596 | $2,918 |
| Vernonburg | $2,349 | $4,294 |
| Skidaway Island | $1,976 | $3,612 |
| Chatham County | $1,668 | $3,049 |
| Isle of Hope | $1,815 | $3,318 |
| Montgomery | $1,866 | $3,411 |
| Dutch Island | $1,962 | $3,587 |
| Georgetown | $1,654 | $3,024 |
Savannah, GA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,369 |
| Excellent (740-799) | $1,563 |
| Good (670-739) | $1,663 |
| Average (580-669) | $2,170 |
| Poor (300-579) | $2,603 |
Savannah, GA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Remer Lane Insurance | Liberty Mutual Independent | 8401 WATERS AVE, SAVANNAH, 31406 | (912) 352-4444 |
| Raymond Marquez Jr | Allstate | 785 King George Blvd Ste G, Savannah, 31419 | (912) 916-9828 |
| Stevens, Hale & Associates | None | 7391 Hodgson Memorial Dr 7391 Hodgson Memorial Dr, Savannah, 31406 | None |
| Sherrill & Company | Liberty Mutual Independent | 7805 WATERS AVE STE 10A, SAVANNAH, 31406 | 912-353-7200 |
| Coastal Insurance Partners | Liberty Mutual Independent | 2000 BUSINESS CENTER DR STE 255, SAVANNAH, 31405 | 912-232-2500 |
| Jerry Beets & Associates, Inc. | None | 8210 White Bluff Rd, Savannah, 31406 | None |
| Bb&T Insurance Services, Inc | None | 2280 E. Victory Dr. , Savannah, 31404 | None |
| Michael Dubberly & Associates Inc | Liberty Mutual Independent | 7303 ABERCORN ST SUITE F, SAVANNAH, 31406 | 912-354-8898 |
Savannah, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$70 | $1,666 |
| Driver's Failure In Showing Documents | +$155 | $1,751 |
| Driving With An Expired Registration | +$164 | $1,760 |
| Driving At A Considerably Slow Pace | +$346 | $1,942 |
| Using A Cellphone While Driving | +$365 | $1,961 |
| Running A Red Light | +$372 | $1,968 |
| Speeding | +$391 | $1,987 |
| Driving A Vehicle Without The Required Permission | +$496 | $2,092 |
| Driving With An Expired/Suspended License | +$1,076 | $2,672 |
Savannah, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,532 |
| Active Disabling Device | $1,532 |
| Tracking Device | $1,500 |
| Passive Disabling Device | $1,484 |
Latest Auto Insurance Reviews in Savannah, GA | Back to Top
GeicoI throughly enjoy doing business with Geico and would recommend them to everyone I know. I cannot say enough great things about the company and the interactions that I have had with them.
GeicoI have a $500 deductible which I feel is low compared to some like having a low out of pocket cost. and my premium is due every 6 months and for the last couple years my rates have not changed.
American Family InsuranceI would Completely recommend my car insurance provider to all my friends and families as they are very competitive in the service which they provide as compared to other providers in the market.
NationwideI have no complaints about their customer service as I previously stated. I would give them a five. They have been helpful and efficient.
Horace Mann Educators CorporationWe save over $1K on our premiums compared to those we would have experienced with other companies. Also, again, we have lower deductibles.
Horace Mann Educators CorporationWe save over $1K on our premiums compared to those we would have experienced with other companies. Also, again, we have lower deductibles.
GeicoThe customer support has been ok overall. My previous company offered very good customer support. With Geico so far I have had two good experiences and one bad one.
GeicoI like that I can do everything on the app or website that I need without talking to a person, however, if I need to talk to someone I can. I like that they offer the lowest price and the ability to customize policies to meet my needs. I like that their app is easy to use and I can see my insurance card on the app so I don't lose it.
Donegal Mutual Insurance Companymy company provides the best rates for what I purchase and are able to bundle my house and car insurance together
GeicoI cannot say enough good things about Geico. They have helped me save so much money over the years. I feel like I am with a valuable company who values their customers.
Farmer's InsuranceI liked about the company for giving less interest and more extended time to pay the insurance amount and i feel services are also quite good
ProgressiveThere offering are fairly cheaped then other isurance companys ive came across before, And they also give out good information on how to get policys lowered.
GeicoI remember Progressive tried to raise the price on me to about $80 a month from $60 so I immediately saw it as an insult because I didn't get into any accidents.
Geicogeico has great customer service. they are quick and have apps.
AaaIt is reliable and consistent. I have never felt cheated nor have I felt that I was getting the raw end of the deal when it comes to my auto insurance.
State FarmState Farm offers many discounts for those that need insurance. If you have multiple types of insurance, are a good driver, or have multiple vehicles insured. This has helped lower our rates immensely. They also offer riders to your policy so if you have single items of value they can be insured at low and reasonable rates in case of damage or theft.