The type of vehicle you own in Georgia can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Georgia for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Georgia
Our analysis shows that the Honda CR-V and the Mini Cooper Countryman JCW have the lowest average insurance costs in Georgia, with Volkswagen Tiguan and Mini Cooper Electric close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Georgia and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda CR-V | $1,120 |
| Mini Cooper Countryman JCW | $1,142 |
| Volkswagen Tiguan | $1,144 |
| Mini Cooper Electric | $1,147 |
| Subaru Forester | $1,164 |
| Honda Pilot | $1,172 |
| Honda HR-V | $1,193 |
| Acura RDX | $1,208 |
| Honda Odyssey | $1,222 |
| Chevrolet Equinox | $1,224 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Georgia
Auto insurance rates differ based on the type of vehicle. Typically, Hatchback models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Georgia
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $1,242. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Volkswagen Jetta ranks second on our list with an insurance cost of $1,314, followed by Honda Civic Sedan, which costs $1,325 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Georgia and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,242 |
| Volkswagen Jetta | $1,314 |
| Honda Civic Sedan | $1,325 |
| Nissan Versa | $1,367 |
| Volkswagen Jetta GLI | $1,398 |
| Kia Forte | $1,429 |
| Honda Accord | $1,433 |
| Nissan Sentra | $1,468 |
| Nissan Altima | $1,481 |
| Toyota Camry | $1,519 |
| Hyundai Elantra | $1,527 |
| Chevrolet Malibu | $1,590 |
| Toyota Corolla | $1,619 |
| Mazda 3 Sedan | $1,641 |
| Mitsubishi Mirage G4 | $1,682 |
| Hyundai Sonata | $1,770 |
| Kia K5 | $1,781 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Georgia
In Georgia, the Honda CR-V and Mini Cooper Countryman JCW are some of the most affordable SUVs to insure with an average six-month full coverage cost of $1,120 and $1,142 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $1,120 |
| Volkswagen Tiguan | $1,144 |
| Subaru Forester | $1,164 |
| Honda Pilot | $1,172 |
| Honda HR-V | $1,193 |
| Chevrolet Equinox | $1,224 |
| Mini Cooper Countryman | $1,228 |
| Hyundai Tucson | $1,230 |
| Hyundai Kona | $1,238 |
| Mazda CX-5 | $1,258 |
| Kia Sportage | $1,282 |
| Toyota RAV4 | $1,286 |
| Nissan Murano | $1,291 |
| Volkswagen Atlas | $1,301 |
| GMC Terrain | $1,315 |
| Volkswagen Atlas Cross Sport | $1,328 |
| Chevrolet TrailBlazer | $1,332 |
| Subaru Crosstrek | $1,336 |
| Toyota 4Runner | $1,337 |
| Ford Edge | $1,352 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Georgia
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $1,434.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,434 |
| Honda Civic Si | $1,518 |
| Chevrolet Camaro | $1,581 |
| Subaru BRZ | $1,732 |
| Ford Mustang | $1,796 |
| Porsche 718 Boxster | $1,817 |
| Chevrolet Corvette | $1,826 |
| Honda Civic Type R | $1,849 |
| BMW Z4 | $1,903 |
| Subaru WRX | $1,937 |
| Toyota GR Supra | $1,937 |
| Chevrolet Camaro ZL1 | $1,960 |
| Toyota GR86 | $1,999 |
| Porsche 718 Cayman | $2,023 |
| Toyota GR Corolla | $2,113 |
| Chevrolet Corvette Z06 | $2,336 |
| Jaguar F-Type | $2,380 |
| Porsche 911 | $2,473 |
| Nissan Z | $2,619 |
| Porsche 911 Turbo | $2,620 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Georgia
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,208 for a six-month full coverage policy. The Acura MDX and Cadillac XT4 also have affordable insurance rates at $1,332 and $1,339, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,208 |
| Acura MDX | $1,332 |
| Cadillac XT4 | $1,339 |
| Mercedes-Benz GLA-Class | $1,364 |
| Jaguar E-Pace | $1,367 |
| Audi Q3 | $1,371 |
| Cadillac XT5 | $1,397 |
| Land Rover Discovery Sport | $1,446 |
| BMW X3 | $1,456 |
| Audi Q5 | $1,508 |
| Lincoln Corsair | $1,528 |
| Audi Q7 | $1,560 |
| Porsche Macan | $1,564 |
| Infiniti QX50 | $1,565 |
| Acura TLX | $1,574 |
| BMW X2 | $1,576 |
| Mercedes-Benz CLA-Class | $1,579 |
| Mercedes-Benz C-Class | $1,593 |
| Volvo XC40 | $1,599 |
| Audi A3 | $1,624 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Georgia
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $4,005 annually, or $334 monthly.
The table below lists the most affordable EVs to insure in Georgia and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,147 |
| Kia Niro EV | $1,426 |
| Volkswagen ID.4 | $1,438 |
| Nissan Leaf | $1,456 |
| Subaru Solterra | $1,537 |
| Jaguar I-Pace | $1,623 |
| Hyundai Kona Electric | $1,632 |
| Chevrolet Silverado EV | $1,634 |
| Hyundai Ioniq 5 | $1,690 |
| Volvo XC40 Recharge | $1,713 |
| Audi Q4 e-tron | $1,723 |
| Ford Mustang Mach-E | $1,744 |
| Kia EV6 | $1,754 |
| Ford F-150 Lightning | $1,771 |
| Hyundai Ioniq 6 | $1,785 |
| Chevrolet Blazer EV | $1,789 |
| Volvo C40 Recharge | $1,811 |
| Mercedes-Benz EQB | $1,854 |
| Nissan Ariya | $1,862 |
| Kia EV9 | $1,985 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Georgia
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Honda CR-V is $4,294, while insuring a Mini Cooper Countryman JCW costs $4,369 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Georgia?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Mini Cooper Electric costs $1,147, whereas the cost of insuring a Kia Niro EV is $1,426 for the same coverage.
Which SUVs are the cheapest to insure in Georgia?
In Georgia, insuring a Honda CR-V SUV costs about $1,120 for six months, making it one of the most affordable options. The Mini Cooper Countryman JCW and Volkswagen Tiguan also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Georgia?
The Honda CR-V, Mini Cooper Countryman JCW, Mini Cooper Electric and Volkswagen Tiguan are some of the cheapest cars to insure for 18-year-olds in Georgia. However, insuring models such as the Mercedes-AMG EQS, Maserati Quattroporte and BMW M8 Gran Coupe can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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