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

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.