Wondering which pre-owned cars are the cheapest to insure in Georgia? We created a list of the 45 cheapest used vehicles to insure!
This article will discuss pricing for liability-only and full-coverage automobile insurance policies. We also outlined the insurance basics for the state of Georgia. Keep reading to find tips for lowering premiums, finding the best Georgia insurance companies, and our answers to frequently asked questions!
Georgia Cheapest Used Cars to Insure
Through independent research, we ranked the most affordable pre-owned vehicles to insure in Georgia.
1. Mazda CX-5
Mazda’s 2021 CX-5, a small SUV, is the cheapest used car to insure in Georgia. A full coverage policy is only $57. That’s 65% more affordable than the state average.
A liability-only policy costs $36 per month and is 53% cheaper than the average liability-only policy in Georgia.
This great find of a pre-owned car is also a Top Safety Pick+ recipient from the Insurance Institute of Highway Safety. The 2021 CX-5 has excellent safety features and performs well in crash testing.
2. Ford Bronco
Ford’s 2021 Bronco, another small SUV, is the second cheapest car to insure in Georgia. A full coverage policy for this used car is $117 monthly. That’s 28% more affordable than the state average for the same coverage.
Liability-only insurance for the 2021 Ford Bronco is $53 per month in Georgia.
In addition to affordable insurance, this Top Safety Pick+ from the Insurance Institute winner comes with some of the best safety features on the market.
3. Audi Q5
Audi’s 2021 Q5, a luxury midsize SUV, is the third cheapest used car to insure in Georgia. It’s a surprise to find a luxury vehicle like this Audi in the top three most affordable to insure, but its full coverage policy is only $130 per month. That’s $32 less per month than the state average!
Liability-only coverage is only $63 per month. That’s more than $13 less per month than the state average.
The 2021 Audi Q5 is recognized for its outstanding safety features with a Top Safety Pick+ award from the Insurance Institute for Highway Safety.
The 45 Cheapest Used Vehicles to Insure in Georgia
To gather our data, we selected vehicles with a Top Safety Pick+ award from the Insurance Institute for Highway Safety (IIHS). The Top Safety Pick+ rating is the highest safety rating awarded by IIHS, a nonprofit organization dedicated to educating consumers.
We then gathered insurance quotes from online quoting portals with a basic driver profile: 35-year-old male, Georgia resident, no tickets/accidents.
Using Georgia insurance rates allowed us to gather more accurate data than national averages. National averages are inaccurate because they don’t account for the state-to-state variance in premiums.
The following chart ranks the 45 most affordable used vehicles to insure in Georgia.
| Year | Make | Model | Full Coverage | Liability Only |
|---|---|---|---|---|
| 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 | Insight | $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 | Model 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 Coverage vs. Liability Insurance Costs
Liability-only policies are cheaper than full coverage policies. Insurance companies have a lower financial obligation in liability-only policies. We found the average policy costs for 2021 used vehicles in Georgia.
- Full coverage: $161.98 per month
- Liability-only: $76.80 each month
The Best Georgia Car Insurance Companies
The top three best car insurance companies in Georgia are:
- USAA
- Geico
- Auto-Owners Group
We compared the costs of major insurers in Georgia using the data compiled by US News. Affordability is essential in determining a policy that’s best for your budget needs.
In the chart below, insurance premiums for average coverage can be compared to minimum coverage offered by selected carriers.
| Insurance Company | Average Rate | Minimum Coverage Rate |
|---|---|---|
| USAA | $1,091.00 | $1,019.00 |
| Geico | $1,229.00 | $1,102.00 |
| Auto 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 Average | $1,416.00 | $1,341.00 |
Tips to Lower Insurance Premiums in Georgia
Finding ways to lower your premiums is an important money-saving strategy. Follow these suggestions to lower premiums in Georgia.
- Maintain a clean driving record with no tickets, violations, or accidents.
- Shop around and compare quotes periodically
- Ask about discounts
- Bundle insurance products
- Choose a higher deductible amount
Research Methodology
We used vehicles listed in the IIHS 2021 Top Safety Pick+. The IIHS is an independent, nonprofit organization dedicated to helping consumers understand which vehicles have the best safety features.
We then used insurance quote portals and entered a basic driver profile. We also assumed a $1,000 deductible.
- Single, 35-year-old male driver
- Georgia residence
- Homeowner
- No bundling of other insurance products
- No accidents/tickets/violations
- Bachelor’s Degree
- Continuously insured with the current carrier for 5+ years
To generate the liability quotes, we excluded collision, comprehensive, roadside assistance, and rental reimbursement.
Here’s the breakdown of our coverage choices for the quotes compiled:
| Coverage | Insurance Amount |
|---|---|
| Bodily Injury Liability | $100,00/$300,00 |
| Property Damage Liability | $100,000 |
| Uninsured Motorist Bodily | $100,00/$300,000 |
| Uninsured Motorist Property | Not covered |
| Personal Injury Protection (PIP) | $10,000 |
| Collision (Deductible) | $1,000 |
| Comprehensive(Deductible) | $1,000 |
| Roadside Assistance | $75 |
| Rental Reimbursement | $40/$1,200 |
Frequently Asked Questions
What is the penalty for driving without insurance in Georgia?
Driving without insurance in Georgia may result in the suspension of your vehicle registration, fines, and prison time.
What is the cheapest SUV to insure?
The most affordable SUV to insure in Georgia is Mazda’s 2021 CX-5. The second cheapest SUV is Ford’s 2021 Bronco.
Are older cars cheaper to insure?
Older cars are cheaper to insure than newer cars because they have less value. This means lower payouts for the insurance company and lower premiums for the policyholder.
How much liability insurance is required in Georgia?
Georgia requires at least $25,000 per person and $50,000 per accident in Bodily Injury Limits. Georgia also requires a minimum of $25,000 in property damage per accident.
References
(2022). Automobile Insurance. Georgia Office of Commissioner of Insurance and Safety Fire. Retrieved November 28, 2022, from https://oci.georgia.gov/insurance-resources/auto
(2022). Best Cheap Car Insurance in Georgia. US News. Retrieved November 28, 2022, from https://www.usnews.com/insurance/auto/cheap-car-insurance-georgia
(2022). 2021 Top Safety Picks. IIHS. Retrieved November 9, 2022, from https://www.iihs.org/ratings/top-safety-picks/2021
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
