Savannah Vs Atlanta: Cheaper Insurance?

Are Auto Insurance Rates Cheaper in Savannah Than Atlanta?

Auto insurance rates in Savannah, Georgia, are generally cheaper than in Atlanta, the state's huge metropolis. However, compared to the Georgia state average and the national average, Savannah's rates are higher. The cost of auto insurance in Savannah is influenced by various factors, including the city's demographics, accident rates, theft, and vandalism. While Savannah has lower rates than Atlanta, neither city offers extremely cheap auto insurance.

Auto insurance rates in Savannah and Atlanta are influenced by factors such as age, gender, driving record, and vehicle type

Auto insurance rates in Savannah and Atlanta are influenced by a variety of factors, including age, gender, driving record, and vehicle type.

Age

Age is a significant factor in determining auto insurance rates, as younger drivers tend to have less driving experience and are considered higher-risk by insurers. In both Savannah and Atlanta, teenage drivers pay substantially higher rates than older drivers. For example, in Savannah, teens pay an average of $7,214 per year for car insurance, while 25 to 55-year-olds pay $1,825 per year. Similarly, in Atlanta, 18-year-old drivers pay well over twice as much as 30-year-olds.

Gender

Gender also plays a role in auto insurance rates, with women often paying less than men due to their lower rate of severe accidents. In Savannah, for instance, the average male driver pays $1,775 per year, while the average female driver pays $1,808 per year, according to Insure.com.

Driving Record

A clean driving record can help drivers obtain lower insurance rates, while accidents, tickets, and violations can increase premiums. In Savannah, a single speeding ticket can raise rates by 25%, and an at-fault accident can result in a 45% increase in premiums. Similarly, in Atlanta, a speeding ticket increases rates by 18%, and a DUI can lead to a significant jump of 85% in insurance costs.

Vehicle Type

The type of vehicle insured also impacts auto insurance rates. In Savannah, the average cost of insurance for a 2022 Toyota Camry is $2,532 per year for full coverage. In Atlanta, the average cost of insurance for a 2015 Honda Civic is $69 per month, or $834 per year, for minimum coverage.

In summary, while Savannah and Atlanta differ in terms of insurance rates, with Savannah generally being more affordable, the specific rates for individuals are influenced by a combination of factors, including age, gender, driving record, and vehicle type. Comparing quotes from multiple insurers and taking advantage of available discounts can help drivers find the best rates that match their unique profiles.

Savannah's average insurance rates are higher than Georgia's but lower than the national average

Savannah's auto insurance rates are influenced by a range of factors, including age, gender, driving record, and vehicle type. While rates are generally higher than the Georgia state average, they are lower than the national average.

The average cost of car insurance in Savannah, Georgia, is $1,775 per year or $148 per month, according to Insure.com. This is $128 more than the Georgia state average and $93 more than the national average. However, rates can vary depending on factors such as age, gender, and driving record. For example, teens pay the highest rates at $7,214 per year, while adults and seniors pay significantly lower rates.

When compared to other cities in Georgia, Savannah's insurance rates are mixed. Savannah's rates are lower than those in Atlanta and Macon but higher than those in Augusta and Columbus.

The cheapest car insurance company in Savannah is Hugo, offering minimum coverage policies starting at $64 per month. Other affordable options include Auto-Owners, Mercury, and Encompass. The average cost of full coverage insurance in Savannah is $265 per month, while liability-only coverage costs $178 per month.

In summary, while Savannah's auto insurance rates are higher than the Georgia state average, they are still lower than the national average. Rates vary depending on various factors, and drivers can find affordable options by comparing quotes from multiple companies.

Auto insurance in Savannah is generally cheaper than in Atlanta

Auto insurance rates in Savannah, Georgia, are generally cheaper than in Atlanta, the state's largest city. However, rates can vary depending on various factors, including age, gender, driving record, and vehicle type.

The average monthly cost of car insurance in Savannah is about $111, while in Atlanta, quotes ranged from $136 to $275 per month for a female driver and $143 to $261 per month for a male driver. The difference in rates between the two cities is likely due to Savannah being a smaller city with less traffic congestion and a lower population density.

In Savannah, the average annual cost of car insurance is $1,775, according to Insure.com data. This is $128 more than the average cost in Georgia and $93 more than the national average. The cheapest car insurance company in Savannah is USAA, which offers an average annual rate of $1,109. Auto-Owners Insurance is another affordable option, with an average annual rate of $1,290.

Age is a significant factor in determining auto insurance rates in Savannah. Teenagers pay the highest rates, with an average annual cost of $7,214. Rates decrease as drivers get older, with young adults paying $3,360, adults paying $1,825, and seniors paying $1,788 per year.

Other factors that can affect auto insurance rates in Savannah include gender, driving record, and vehicle type. Female drivers typically pay less than male drivers, with an average annual rate of $1,808 for women and $1,775 for men. Drivers with a clean record will also pay lower rates than those with accidents or violations. The type of vehicle insured also plays a role, with trucks and vans usually being the most affordable to insure, followed by cars and then SUVs.

While auto insurance in Savannah is generally cheaper than in Atlanta, it is important to note that rates can vary significantly depending on individual factors. It is always a good idea to compare quotes from multiple insurance providers to find the best rate for your specific situation.

The cheapest auto insurance providers in Savannah include Hugo, Auto-Owners, and State Farm

The Cheapest Auto Insurance Providers in Savannah

Hugo

Savannah drivers can find the cheapest rates with Hugo, which offers minimum-coverage policies starting at $64 per month. Hugo is also the cheapest option for drivers with incidents on their records, including speeding tickets, at-fault accidents, DUIs, and seniors. For teens, Hugo is also the most affordable option, with an average monthly cost of $319 for liability-only coverage and $475 for full-coverage insurance.

Auto-Owners

Auto-Owners Insurance has the lowest average rates for full coverage car insurance in Savannah, at $1,074 per year. Auto-Owners is also the best insurer for liability-only coverage in Savannah, with an Insurify Quality (IQ) Score of 4.3, an AM Best financial strength rating of A++, and low rates.

State Farm

State Farm is the third-cheapest car insurance company in Savannah, with liability-only rates as low as $81 per month. State Farm has been in business for over 100 years and offers auto, home, life, health, pet, disability, and small business insurance. State Farm has fewer complaints than expected for the industry and ranks among the top 10 companies for customer satisfaction.

Comparing quotes from multiple insurance companies is the best way to find affordable rates in Savannah

Car insurance rates vary depending on where you live. Factors such as the frequency of claims in your area, the likelihood of weather damage, and the cost of vehicle repairs can all impact your premium. As such, it's important to compare quotes from multiple insurance companies to find the best rates for your specific location.

In Savannah, Georgia, the average cost of car insurance is higher than the national average. The overall average cost of car insurance in Savannah is $221 per month, according to Insurify data. However, you may be able to find cheaper rates by comparing quotes from different insurers. Hugo, Auto-Owners, and State Farm are the three cheapest car insurance companies in Savannah, with minimum-coverage policies starting at $64 per month.

When comparing quotes, it's important to consider not only the price but also the coverage options, discounts, and customer service ratings of each company. Additionally, keep in mind that your individual factors, such as your age, driving record, and ZIP code, will also impact your premium.

By shopping around and comparing quotes, you can find the most affordable rates for your car insurance in Savannah. It's worth putting in the time to compare different providers to ensure you're getting the best coverage at the best price.

Frequently asked questions