Car Insurance Savannah, GA

Get Peace of Mind With Auto Insurance in Savannah

Savannah had a record number of car crashes resulting in serious injuries or fatalities in 2021 and a similar rate in 2022. While the City of Savannah Vision Zero Initiative seeks to reduce and eventually eliminate traffic deaths and serious injuries by 2027, car insurance in Savannah, GA, can limit your exposure to risk while driving on Georgia roads. VIU by HUB makes it easy to compare quotes for policies that meet state minimum liability requirements or provide more comprehensive coverage for greater peace of mind.

Why Savannah Drivers Need Car Insurance

Savannah saw a 46% increase in the number of car accidents resulting in serious injuries or death between 2020 and 2021. The number of severe accidents continued to rise to 187 in 2022. The total number of accidents in Savannah was much higher, with 23,334 accidents reported between 2020 and 2022.

In the event of an accident, car insurance protects against liability for personal injury and property damage. Georgia law requires all drivers to have liability insurance that meets the following minimum limits:

• At least $25,000 per person for bodily injury liability
• At least $50,000 per incident for bodily injury liability
• At least $25,000 per incident for property damage liability

You can raise the limits for these required areas of coverage. Other options for coverage include collision and comprehensive policies that cover the cost of damage to your vehicle.

The City of Savannah plans to improve traffic infrastructure in high-risk areas, such as high-injury corridors on 37th Street, Middleground Road/Montgomery Cross Road and Skidaway Road and high fatality corridors on Interstates 95, 516 and 16. While these measures may make roads in the city safer for private vehicles and the Chatham Area Transit system, the right insurance policy can reduce unexpected expenses for Savannah drivers.

Average Savannah Auto Insurance Rates

The age, gender and driving record of a driver, along with the make and model of a vehicle all factor into auto insurance rates. The annual average cost of minimum liability coverage in Georgia is around $887. while full coverage starts around $1,318. These rates are slightly higher than the national average.

For drivers in Savannah, the average annual full coverage premium is slightly higher than the state average. You could also end up paying more if you are a young driver or have a driving incident on your record. VIU by HUB makes it easy to compare quotes and find the most affordable policy that provides the level of coverage that you need.

Three Types of Auto Insurance Coverage

Whether you choose liability-only, collision or comprehensive car insurance in Savannah, GA, you should make sure that your policy covers risks on the road. Here are the three main types of auto insurance:

• Liability-only Policy: Required liability insurance covers injuries to other drivers and damage to other vehicles.
• Collision Policy: An optional collision policy covers the cost of repairing your vehicle after an accident.
• Comprehensive Policy: A comprehensive auto policy can cover damage to your vehicle caused by falling tree limbs or perils that other policies often exclude.

Liability-only policies are the most affordable in terms of premiums but can cost you more down the road. These policies do not cover damage to your vehicle in a collision or from other perils. Collision and comprehensive policies tend to have slightly higher premiums but can pay off by providing you with more peace of mind.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

Sources

The Current

Savannah Vision Zero Initiative

Vision Zero Savannah 2022 Action Plan

Georgia DOT

Georgia Office of Insurance and Safety Fire Commissioner

Car and Driver