Savannah Car Insurance

Your Guide to Buying Car Insurance in Savannah, GA

Find the right car insurance policy for you.

Residents of Savannah see their fair share of motor vehicle accidents each year. Car accidents can cause major injuries and property damage that could devastate you financially if you’re not prepared. You can protect your investment in your vehicle and your finances with a suitable Savannah, GA car insurance policy.

A Trusted Choice® agent can assist you by answering your questions and providing a variety of Savannah auto insurance quotes for you to compare. Contact an agent in your neighborhood today for more information.

  • National average cost per year: $1,311
  • Georgia average cost per year: $1,519
  • 14th most expensive premiums in the US

Car insurance rates in Georgia are considerably higher than the national average, but that won’t necessarily match the amount you pay for coverage. Your premium will depend on several unique risk factors such as your age, your driving history, the value of your car, where and how often you drive your vehicle, where you park your vehicle, the amount of your deductible and how much coverage you purchase.

How Much Savannah Car Insurance Do I Need?

At a minimum, your policy will have to meet the state’s requirements for liability coverage. Drivers caught without this required insurance may be fined, have their licenses suspended or face jail time.

Savannah, Georgia Car Insurance Requirements:

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 25/50/25
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage

You may want to consider purchasing Savannah car insurance with higher liability limits to protect against the potentially high price of property damage or bodily injuries to a third party. You may also opt to purchase different types of insurance to cover your vehicle from other risks on the road. The following section will cover the risk you face from uninsured motorists.

Savannah, Georgia Uninsured Motorists:

  • National uninsured motorists: 12.6%
  • Georgia uninsured motorists:11.7%
  • Georgia average vehicle repair cost: $2,199

Uninsured motorist coverage provides coverage for your bodily injuries or property damage if you are hit by an uninsured or hit-and-run motorist. Considering that more that 11% of this state’s drivers are driving without insurance, this is an excellent way to ensure your protection.

You also have the option of comprehensive, or “other than collision,” coverage. If you carry a car loan, you may have been required by your lender to carry this additional coverage. Comprehensive coverage provides you with compensation for loss or damage to your vehicle from floods, falling objects, fire, vandalism and theft.

Car Thefts in Savannah and Georgia:

  • National average number of vehicle thefts (per 1,000 registered vehicles): 2.94
  • Georgia number of vehicle thefts (per 1,000 registered vehicles): 3.83

This number is slightly higher than the national average. Residents are advised to keep their vehicles locked, to park in well-lit or secure places whenever possible, and to invest in anti-theft devices such as GPS tracking systems and car alarms.

Find and Compare Savannah Auto Insurance Quotes

To find your ideal car insurance policy, determine how much coverage you need and then find an insurer that can provide it at a great rate. This can sometimes be a complicated and time-consuming task. Trusted Choice agents can simplify the process. These agents have relationships with several different insurance companies, so they can quickly provide you with a variety of policies to compare.

Your local agent can explain policy options, provide ethical advice and can answer your insurance-related questions. Contact an agent in your neighborhood today to start comparing Savannah auto insurance quotes.

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