Questioning which pre-owned automobiles are the most affordable to insure in Georgia? We created an inventory of the 45 least expensive used autos to insure!
This text will talk about pricing for liability-only and full-coverage vehicle insurance coverage insurance policies. We additionally outlined the insurance coverage fundamentals for the state of Georgia. Hold studying to search out ideas for reducing premiums, discovering the perfect Georgia insurance coverage firms, and our solutions to steadily requested questions!
Georgia Least expensive Used Vehicles to Insure
By way of impartial analysis, we ranked essentially the most inexpensive pre-owned autos to insure in Georgia.
1. Mazda CX-5
Mazda’s 2021 CX-5, a small SUV, is the most affordable used automobile to insure in Georgia. A full protection coverage is barely $57. That’s 65% extra inexpensive than the state common.
A liability-only coverage prices $36 monthly and is 53% cheaper than the common liability-only coverage in Georgia.
This nice discover of a pre-owned automobile can also be a High Security Choose+ recipient from the Insurance coverage Institute of Freeway Security. The 2021 CX-5 has glorious security options and performs effectively in crash testing.
2. Ford Bronco
Ford’s 2021 Bronco, one other small SUV, is the second least expensive automobile to insure in Georgia. A full protection coverage for this used automobile is $117 month-to-month. That’s 28% extra inexpensive than the state common for a similar protection.
Legal responsibility-only insurance coverage for the 2021 Ford Bronco is $53 monthly in Georgia.
Along with inexpensive insurance coverage, this High Security Choose+ from the Insurance coverage Institute winner comes with among the greatest security options available on the market.
3. Audi Q5
Audi’s 2021 Q5, a luxurious midsize SUV, is the third least expensive used automobile to insure in Georgia. It’s a shock to discover a luxurious car like this Audi within the high three most inexpensive to insure, however its full protection coverage is barely $130 monthly. That’s $32 much less monthly than the state common!
Legal responsibility-only protection is barely $63 monthly. That’s greater than $13 much less monthly than the state common.
The 2021 Audi Q5 is acknowledged for its excellent security options with a High Security Choose+ award from the Insurance coverage Institute for Freeway Security.
The 45 Least expensive Used Autos to Insure in Georgia
To collect our information, we chosen autos with a High Security Choose+ award from the Insurance coverage Institute for Freeway Security (IIHS). The High Security Choose+ score is the best security score awarded by IIHS, a nonprofit group devoted to educating shoppers.
We then gathered insurance coverage quotes from on-line quoting portals with a primary driver profile: 35-year-old male, Georgia resident, no tickets/accidents.
Utilizing Georgia insurance coverage charges allowed us to assemble extra correct information than nationwide averages. Nationwide averages are inaccurate as a result of they don’t account for the state-to-state variance in premiums.
The next chart ranks the 45 most inexpensive used autos to insure in Georgia.
| 12 months | Make | Mannequin | Full Protection | Legal responsibility Solely |
|---|---|---|---|---|
| 2021 | Mazda | CX-5 | $57 | $36 |
| 2021 | Ford | Bronco | $117 | $53 |
| 2021 | Audi | Q5 | $130 | $63 |
| 2021 | Acura | MDX | $132 | $69 |
| 2021 | Acura | RDX | $132 | $69 |
| 2021 | Subaru | Crosstrek | $136 | $65 |
| 2021 | Honda | Odyssey | $138 | $78 |
| 2021 | Subaru | Forester | $138 | $73 |
| 2021 | Honda | Accord | $140 | $79 |
| 2021 | Chrysler | Pacifica | $142 | $78 |
| 2021 | Honda | Civic | $142 | $77 |
| 2021 | Volkswagen | ID | $144 | $77 |
| 2021 | Hyundai | Santa Fe | $145 | $77 |
| 2021 | Subaru | Outback | $146 | $79 |
| 2021 | Chevrolet | Trailblazer | $148 | $81 |
| 2021 | Subaru | Ascent | $148 | $69 |
| 2021 | Subaru | Legacy | $150 | $73 |
| 2021 | Toyota | Camry | $151 | $70 |
| 2021 | Nissan | Rogue | $154 | $81 |
| 2021 | Toyota | Highlander | $155 | $81 |
| 2021 | Mazda | CX-9 | $156 | $79 |
| 2021 | Nissan | Murano | $158 | $81 |
| 2021 | Cadillac | XT6 | $163 | $86 |
| 2021 | Ford | Explorer | $163 | $86 |
| 2021 | Mazda | 3 | $163 | $85 |
| 2021 | Mazda | 6 | $163 | $82 |
| 2021 | Honda | Perception | $164 | $79 |
| 2021 | Volvo | S60 | $172 | $79 |
| 2021 | Volvo | S60 Recharge | $173 | $83 |
| 2021 | Nissan | Altima | $174 | $83 |
| 2021 | Toyota | Sienna | $174 | $77 |
| 2021 | Acura | TLX | $175 | $77 |
| 2021 | Kia | K5 | $179 | $87 |
| 2021 | Audi | A6 | $182 | $79 |
| 2021 | Mercedes Benz | C-Class | $184 | $76 |
| 2021 | Mitsubishi | Outlander | $192 | $88 |
| 2021 | Genesis | G70 | $193 | $76 |
| 2021 | Kia | Stinger | $195 | $86 |
| 2021 | Tesla | Mannequin 3 | $197 | $93 |
| 2021 | Volvo | S90 | $200 | $76 |
| 2021 | Lexus | ES 350 | $201 | $77 |
| 2021 | Audi | A7 | $204 | $77 |
| 2021 | Nissan | Maxima | $204 | $83 |
| 2021 | Volvo | V60 | $207 | $76 |
| 2021 | Lexus | IS | $208 | $77 |
Full Protection vs. Legal responsibility Insurance coverage Prices
Legal responsibility-only insurance policies are cheaper than full protection insurance policies. Insurance coverage firms have a decrease monetary obligation in liability-only insurance policies. We discovered the common coverage prices for 2021 used autos in Georgia.
- Full protection: $161.98 monthly
- Legal responsibility-only: $76.80 every month
The Greatest Georgia Automotive Insurance coverage Corporations
The highest three greatest automobile insurance coverage firms in Georgia are:
- USAA
- Geico
- Auto-House owners Group
We in contrast the prices of main insurers in Georgia utilizing the info compiled by US Information. Affordability is crucial in figuring out a coverage that’s greatest to your funds wants.
Within the chart under, insurance coverage premiums for common protection will be in comparison with minimal protection provided by chosen carriers.
| Insurance coverage Firm | Common Fee | Minimal Protection Fee |
|---|---|---|
| USAA | $1,091.00 | $1,019.00 |
| Geico | $1,229.00 | $1,102.00 |
| Auto House owners Group | $1,255.00 | $1,185.00 |
| Nationwide | $1,269.00 | $1,301.00 |
| Progressive | $1,383.00 | $1,288.00 |
| State Farm | $1,530.00 | $1,428.00 |
| Mercury | $1,622.00 | $1,553.00 |
| Allstate | $1,944.00 | $1,852.00 |
| Georgia Statewide Common | $1,416.00 | $1,341.00 |
Tricks to Decrease Insurance coverage Premiums in Georgia
Discovering methods to decrease your premiums is a crucial money-saving technique. Comply with these options to decrease premiums in Georgia.
- Preserve a clear driving document with no tickets, violations, or accidents.
- Store round and examine quotes periodically
- Ask about reductions
- Bundle insurance coverage merchandise
- Select the next deductible quantity
Analysis Methodology
We used autos listed within the IIHS 2021 High Security Choose+. The IIHS is an impartial, nonprofit group devoted to serving to shoppers perceive which autos have the perfect security options.
We then used insurance coverage quote portals and entered a primary driver profile. We additionally assumed a $1,000 deductible.
- Single, 35-year-old male driver
- Georgia residence
- Home-owner
- No bundling of different insurance coverage merchandise
- No accidents/tickets/violations
- Bachelor’s Diploma
- Repeatedly insured with the present provider for five+ years
To generate the legal responsibility quotes, we excluded collision, complete, roadside help, and rental reimbursement.
Right here’s the breakdown of our protection selections for the quotes compiled:
| Protection | Insurance coverage Quantity |
|---|---|
| Bodily Harm Legal responsibility | $100,00/$300,00 |
| Property Injury Legal responsibility | $100,000 |
| Uninsured Motorist Bodily | $100,00/$300,000 |
| Uninsured Motorist Property | Not lined |
| Private Harm Safety (PIP) | $10,000 |
| Collision (Deductible) | $1,000 |
| Complete(Deductible) | $1,000 |
| Roadside Help | $75 |
| Rental Reimbursement | $40/$1,200 |
Steadily Requested Questions
What’s the penalty for driving with out insurance coverage in Georgia?
Driving with out insurance coverage in Georgia might end result within the suspension of your car registration, fines, and jail time.
What’s the least expensive SUV to insure?
Essentially the most inexpensive SUV to insure in Georgia is Mazda’s 2021 CX-5. The second least expensive SUV is Ford’s 2021 Bronco.
Are older automobiles cheaper to insure?
Older automobiles are cheaper to insure than newer automobiles as a result of they’ve much less worth. This implies decrease payouts for the insurance coverage firm and decrease premiums for the policyholder.
How a lot legal responsibility insurance coverage is required in Georgia?
Georgia requires at the very least $25,000 per individual and $50,000 per accident in Bodily Harm Limits. Georgia additionally requires a minimal of $25,000 in property injury per accident.
References
(2022). Vehicle Insurance coverage. Georgia Workplace of Commissioner of Insurance coverage and Security Hearth. Retrieved November 28, 2022, from https://oci.georgia.gov/insurance-resources/auto
(2022). Greatest Low-cost Automotive Insurance coverage in Georgia. US Information. Retrieved November 28, 2022, from https://www.usnews.com/insurance coverage/auto/cheap-car-insurance-georgia
(2022). 2021 High Security Picks. IIHS. Retrieved November 9, 2022, from https://www.iihs.org/rankings/top-safety-picks/2021
Jesse Cunningham V is knowledgeable author and licensed insurance coverage agent. He has labored within the insurance coverage trade in numerous capacities, beginning as a customer support consultant and dealing his approach as much as an impartial company proprietor. He’s licensed within the states of Maryland and Pennsylvania for Property, Casualty, Life, and Well being merchandise. Jesse has labored with many nationwide carriers, together with Nationwide, State Farm, Vacationers, and Liberty Mutual, and focuses on automobile and residential insurance coverage and well being, life, unintended dying, and incapacity insurance coverage. He writes for a number of publications together with FIXD and Bauple.com. All articles by Jesse are opinion-based. Converse together with your licensed insurance coverage agent in regards to the particulars of your insurance coverage earlier than making any choices.