Savannah Insurance Rates:

Savannah, GA home insurance is about $754 to $1,023, about $62-$85/month. Our all inclusive guide indicates shoppers can save as much as $355 by comparing many quotes

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Savannah Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $310/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Baths 1320 sqft Vacation Property Constructed In 1989 with Wood Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Divorced Female who is Retired and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $220/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Bath 3310 sqft Primary Residence Constructed In 1985 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $810/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Baths 2870 sqft Primary Residence Constructed In 1964 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Married Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $370/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Baths 2100 sqft Vacation Property Constructed In 1987 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Married Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $220/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1330 sqft Vacation Property Constructed In 1996 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Indoor Sprinklers, Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $310/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1130 sqft Vacation Property Constructed In 1949 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $220/5 months for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Baths 1356 sqft Rental Property Constructed In 1969 with Wood Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Savannah, GA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
31415 $87,100 $870
31411 $499,500 $1,130
31410 $245,800 $970
31401 $219,500 $930
31406 $178,700 $910
31405 $174,900 $930

Savannah Rates & Quotes Analysis:

Savannah Area Estimated House Insurance
Luke Ct, Paige Ave, Gilliam Ave, Hermitage Rd, Roger Lacey Ave, W 39th St, Carolan St, E Park Ln, Olmstead Dr, Atkinson Ave$892
Fair St, Croatan St, W River St, Cedar Grove Plantation Dr, Daveitta Dr, Winsford Rd, N Leeds Gate Rd, W 55th St, Church St, Howard Foss Dr$933
W 54th St, Carr Ave, Lattimore Pl W, Densler St, E Henry Ln, E 74th St, E Gwinnett Ln, Birchwood Cove, 13th St, Carriage Apartment$977
W Park Ave, Cresent Dr, Mohawk St, Cumberland Dr, Neurville Ave, E 53rd St, Bannon Dr, Fish Bait Trl, Margret St, Largo Dr$906
Stuyvesant St, Charles St, W Montgomery Xrd, Cornwall St, Telfair Rd, Godsells St, Fulmer St, E Oglethorpe Ave, San Anton Dr, Art St$880
Michigan Ave, Denise, Bulloch St, Don Zipperer Dr, Agate St, Owens Industrial, Spanish Moss Cir, Wicklow St, Cornell Ave, O'Byrne St$902
Dolphin Dr, New Mexico St, Oak Pointe Trl, Chatham Cres, Arabica Ln, Eppinger St, Hancock St, Jasper Dr, Kenilworth St, W Bryan St$901
Lorraine Cir, Old Dean Forest, Backshell Rd, Turner Blvd, W 48th St, W 45th Ln, E York Ln, Bee Rd, Carroll St, Chisholm St$858
E River St, Birchwood Rd, Legion Dr, 8th St, Treat Ave, Altman Cir, Brewer St, Brandlewood Dr, E 46th St, Reuben Clark Dr$898
Leonard Neal St, Chipper Cir, Bonaventure Rd, Iantha St, Wheeler Ct, Glatigny St, Clarke Ave, Kemira Rd, Ruben Ct, Summerside Ave$933

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,317 Homes (16% of total homes ) built between 1970 to 1979 in Savannah are paying home insurance between $1,440-$1,453. Places close to Savannah, GA such as Vernonburg, Skidaway Island, Chatham County are more expensive by $634, $313, $29 respectively while Garden City and Hardeeville(SC) are cheaper by $37 and $147 respectively for similar homes.
  • Bedrooms: 27,941 3 bedrooms homes (41% of total homes ) in Savannah are paying about $791 in contrast with Vernonburg (+$348), Skidaway Island (+$172), Chatham County (+$16), Garden City (-$12) and Hardeeville(SC) (-$128).
  • Auto Insurance Bundling: 4,651 Households (16% of all households) in Savannah have 3 or more vehicles available and when it is bundled with home insurance you can save $222 in contrast with Vernonburg ($319), Skidaway Island ($270), Chatham County ($226).
  • Senior Discounts: 15,054 seniors (more than 55 years) occupied housing units (54% of total) in Savannah get discounts between $133 to $135. The comparative concessions in proximate regions such as Vernonburg, Skidaway Island and Chatham County are $191, $162 and $135 respectively.
  • New Homes discounts: New homes such as the 22,579 homes built between 2000 to 2009 in Savannah can save $177 and similar new home insurance discounts in nearby towns and cities like Vernonburg, Skidaway Island and Chatham County are $255, $216 and $181 respectively.

Savannah Homeowners insurance Facts

  • Savannah, GA has 27,453 owner occupied houses which is 47.6% of all units whereas Vernonburg, Skidaway Island and Chatham County have 83.93%, 93.67% and 58.05% respectively.
  • Savannah, GA homeowners yearly insurance price at $888 is 0.62% of the typical house value of $143,400 which is in contrast with 0.15% in Vernonburg, 0.22% at Skidaway Island & 0.52% in Chatham County.
  • Homeowners in Savannah, GA pay 7.1% of their income ($10,000 to $14,999) in insurance whereas homeowners in Skidaway Island, Chatham County and Isle of Hope pay 8.65%, 7.25% and 7.79% respectively.
  • Savannah, GA’s insurance is 6.1% of monthly housing costs of $1,210/month, for owners with a mortgage compared to 2.92% in Vernonburg, 3.75% at Skidaway Island & 5.39% in Chatham County. But, for households without a mortgage, insurance is 18.6% of costs ($397 in Savannah, GA) in contrast with 21.32% in Vernonburg, 10.0% at Skidaway Island & 16.82% in Chatham County.

Savannah, GA Home Values & Insurance rates

For example, insurance for 2,622 Homes (10.0% of total homes ) valued between $200,000 to $249,999 in Savannah, GA is about $1,394. Rates in nearby areas in such as Skidaway Island, Chatham County, Isle of Hope are cheaper by $908, $235, $664 respectively while Garden City and Hardeeville are costlier by $552 and $241 respectively for similar homes.

Savannah, GA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,109 8.0% $150
$50,000 to $59,999 669 2.0% $319
$60,000 to $69,999 730 2.0% $399
$70,000 to $79,999 886 3.0% $461
$80,000 to $89,999 1,722 6.0% $523
$90,000 to $99,999 1,924 7.0% $586
$100,000 to $124,999 3,467 13.0% $674
$125,000 to $149,999 3,013 11.0% $843
$150,000 to $174,999 3,413 13.0% $1003
$175,000 to $199,999 1,806 7.0% $1154
$200,000 to $249,999 2,622 10.0% $1394
$250,000 to $299,999 1,356 5.0% $1704
$300,000 to $399,999 1,594 6.0% $2166

Renters Insurance in Savannah

  • Average Renters Insurance in Savannah :  $254($21/month)

  • Median Gross Rent in Savannah :  $864

  • Savannah Renters Insurance to Median Rent Ratio:  2.43%

  • Renter occupied housing units in Savannah :  30,168

Savannah Renters Insurance as a Percentage of Rent

Savannah Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 624 2.0% $363
$200 to $299 786 2.0% $813
$300 to $499 1,597 5.0% $1263
$500 to $749 6,586 22.0% $1938
$750 to $999 10,369 35.0% $2688
$1,000 to $1,499 7,404 25.0% $3813
$1,500 or more 1,595 5.0% $5463

Protective device discount in Savannah Up to :  $38

Claims-free discount in Savannah Up to :  $50