Insurance Costs in Savannah, GA
Auto insurance in Savannah averages $2,277 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Savannah, GA: What You Need to Know
Savannah residents pay an average of $2,277 per year for full coverage auto insurance, which is 10.0% above the Georgia state average and 36.0% above the national average.
With a population of 147,780, Savannah is a mid-size city in Georgia. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $2,277 | $190 |
| Standard Coverage (50/100/50) | $1,867 | $156 |
| State Minimum (25/50/25) | $956 | $80 |
Homeowners Insurance in Savannah, GA
The average cost of homeowners insurance in Savannah is $2,040 per year ($170/month), which is 12.1% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Savannah, GA
Renters insurance in Savannah averages $218 per year ($18/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Georgia Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Atlanta | $2,588/yr | $2,229/yr |
| Columbus | $2,153/yr | $1,662/yr |
| Augusta | $2,236/yr | $1,738/yr |
| Macon | $2,318/yr | $1,700/yr |
| Athens | $2,111/yr | $1,662/yr |
| Sandy Springs | $1,966/yr | $2,172/yr |
| Roswell | $1,822/yr | $2,078/yr |
| Johns Creek | $1,760/yr | $2,116/yr |
How to Save on Insurance in Savannah
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Savannah can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Savannah, GA?
The average cost of car insurance in Savannah, GA is $2,277 per year for full coverage, or about $190 per month. Minimum coverage costs around $956 per year.
Is car insurance expensive in Savannah?
Yes, car insurance in Savannah is above both the state and national averages.
How much is home insurance in Savannah?
Homeowners insurance in Savannah costs an average of $2,040 per year. Your actual cost depends on your home's value, age, construction type, and specific location.