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
The Honda CR-V and Mini Cooper Countryman JCW are the cheapest vehicles to insure in Georgia, closely followed by the Volkswagen Tiguan and Mini Cooper Electric, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Georgia and their average six-month full coverage 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
Insurance premiums can vary significantly by vehicle type. For instance, Hatchback come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Georgia
Our data shows that Subaru Legacy is the most affordable sedan to insure in Georgia. Its average six-month full coverage cost is $1,242 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Volkswagen Jetta takes the second spot at $1,314, while the Honda Civic Sedan comes in third with an average cost of $1,325.
The table below shows the cheapest sedans to insure in Georgia and their average full coverage six-month costs.
| 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
The Honda CR-V and Mini Cooper Countryman JCW are the cheapest SUVs to insure in Georgia, with an average cost of $1,120 and $1,142 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| 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 often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,434.
The table below highlights the average six-month full coverage cost of various 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
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $4,005 annually, which breaks down to $334 monthly.
The table below highlights the most affordable EVs to insure in Georgia, including their average six-month full coverage premiums.
| 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
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Honda CR-V costs an average of $4,294 to insure for an 18-year-old driver, whereas a Mini Cooper Countryman JCW costs an average of $4,369 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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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?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,147 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $1,426, according to our analysis.
Which SUVs are the cheapest to insure in Georgia?
The Honda CR-V is one of the cheapest SUVs to insure in Georgia, with an average cost of $1,120 for a six-month car insurance plan. The Mini Cooper Countryman JCW and Volkswagen Tiguan also come with relatively low insurance premiums.
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 an 18-year-old driver in Georgia. On the other hand, Mercedes-AMG EQS, Maserati Quattroporte and BMW M8 Gran Coupe are the most expensive vehicles to insure for a young driver.
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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