Insurance in the Fast Lane: Why Vehicle Type Matters <\/h2>\n\n\n\n
Everybody\u2019s itching to hit the road, but before you start cruising down Peachtree or tackling Spaghetti Junction, you have to get a handle on your insurance paperwork. Georgia law says you have to have insurance to drive, but does vehicle type affect insurance costs? Absolutely. Insuring a big F-150 isn\u2019t going to cost the same as a little Toyota Prius, and Georgia car insurance rates can vary widely depending on your ride. <\/p>\n\n\n\n
Steering Through the Different Vehicle Types in the Peach State <\/h2>\n\n\n\n
From SUVs to pickup trucks, everyone has their favorite make and model. Some Georgia drivers prefer to only drive Chevrolet, while others are Ford loyalists. No matter your manufacturer preferences, some of the most popular vehicle types in Georgia include: <\/p>\n\n\n\n
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- Sports cars <\/li>\n<\/ul>\n\n\n\n
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- Sedans <\/li>\n<\/ul>\n\n\n\n
- \n
- Hatchbacks <\/li>\n<\/ul>\n\n\n\n
- \n
- Coupes <\/li>\n<\/ul>\n\n\n\n
- \n
- Electric vehicles <\/li>\n<\/ul>\n\n\n\n
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- Vans and minivans <\/li>\n<\/ul>\n\n\n\n
- \n
- Pickup trucks <\/li>\n<\/ul>\n\n\n\n
- \n
- Campervans <\/li>\n<\/ul>\n\n\n\n
Your favorite make and model isn\u2019t just a conversation starter at the next barbecue. What\u2019s under the hood has a big impact on your auto rates, too. <\/p>\n\n\n\n
Under the Hood: Vehicle Features and Car Insurance Rates by Vehicle Type <\/h2>\n\n\n\n
When calculating your auto insurance cost, the insurance company will consider physical and measurable aspects, such as the vehicle\u2019s age, size, and safety features. <\/p>\n\n\n\n
They\u2019re also going to take a hard look at certain \u201cinvisible\u201d measurements, like whether an exotic Porsche 911 is going to require an expensive repairman if a claim is filed, or if Chevrolet pickups are commonly stolen in your neighborhood. <\/p>\n\n\n\n
Insurance premium prices can even be affected by the age of the vehicle. Some newer vehicles can cost less to insure because they are designed with enhanced safety features. However, certain older cars are considered more reliable based on overall safety ratings and the history of that particular make and model. <\/p>\n\n\n\n
Ultimately, there\u2019s no one-size-fits-all answer to how vehicle types affect Georgia car insurance rates. Ask your local insurance agent, \u201cDoes make and model affect car insurance?\u201d They can give you the personalized guidance you need to get your pride and joy ready to hit the open road. <\/p>\n\n\n\n
SUVs and Insurance <\/h3>\n\n\n\n
The insurance rate for SUVs depends on factors like size, safety features, and repair costs, but larger SUVs may have higher premiums because of the damage they can inflict when in an accident. <\/p>\n\n\n\n
Trucks and Insurance <\/h3>\n\n\n\n
Pickups are not more expensive to insure as a rule, but if the truck is an older model or listed on the top ten most stolen vehicles list, you could expect to pay a slightly higher insurance premium. <\/p>\n\n\n\n
Electric Vehicles and Insurance <\/h3>\n\n\n\n
Similarly, many drivers wonder, \u201cAre electric vehicles more expensive to insure?\u201d The answer varies, but electric vehicles can sometimes have higher premiums due to the cost of battery replacement and specialized repairs. <\/p>\n\n\n\n
Sports Cars and Insurance <\/h3>\n\n\n\n
Sports cars often have higher insurance premiums due to the possibility that drivers will zoom around at higher speeds, setting the stage for an increased risk of accidents and costly repairs.\u00a0<\/p>\n\n\n
\n![\"Man](\"https:\/\/veloxinsurance.com\/blog\/wp-content\/uploads\/sites\/3\/2025\/02\/velox-how-vehicle-type-influences-car-insurance-costs-2.jpg\")
<\/figure><\/div>\n\n\nHow Engine Size and Trim Levels Play a Role <\/h2>\n\n\n\n
Car engine size and trim levels also affect insurance costs. Cars without excessive features or luxurious extras tend to have lower insurance premiums. A car with a heavy, large engine can cost more to insure because it might pose a more significant threat to other vehicles in case of a crash. <\/p>\n\n\n\n
This is also why the answer to the question, \u201cAre sports cars more expensive to insure?,\u201d tends to be yes, as many sports cars come equipped with upgraded features that set them apart (and admit it, if you buy a Mustang you will want to take it out periodically for a fast ride!). <\/p>\n\n\n\n
Navigating the Road to Affordable Insurance in Georgia <\/h2>\n\n\n\n
Ultimately, every make and model has a different cost for features, repairs, and vehicle components. Many Southerners wonder, for example, \u201cAre trucks more expensive to insure?\u201d It depends on several factors, such as the truck\u2019s size, age, and intended use. Larger and older trucks may have higher premiums due to potential repair costs and accident risks. <\/p>\n\n\n\n
Additionally, foreign automobiles can be more expensive to insure than domestic models. If you drive a luxury car, count on paying more for your auto insurance since luxury cars have more expensive parts and components than most standard vehicles. <\/p>\n\n\n\n
However, this doesn\u2019t mean you\u2019re doomed to pay sky-high insurance premiums just because you drive a rare or exclusive vehicle. There are many ways to be smart about your auto insurance. It can help to make a list of questions to ask before buying car insurance<\/a> so you don\u2019t forget any important talking points. <\/p>\n\n\n\n
Your zip code, credit score, and driving history influence your car insurance rates, too. Drivers with optimal credit scores and a solid driving history are much more likely to get reasonable rates on their car insurance. Factors like your age, how much you drive every week, previous insurance history, and major life events<\/a> can all play a role in getting the best car insurance rate. <\/p>\n\n\n\n
We all love a good deal. When shopping for auto insurance, ask your insurance provider about any discounts or special rates you might be eligible for. It\u2019s also a good idea to contact your provider every six months to inquire about any new discounts or bundle deals that they might offer. You never know \u2014 there are some surprising factors that affect car insurance rates<\/a>, like who is allowed to drive the car. <\/p>\n\n\n\n
Shopping for Insurance Based on Vehicle Age and Model Year <\/h3>\n\n\n\n
To shop for insurance based on your vehicle\u2019s age and model year, determine the coverage you need. Full coverage, including comprehensive and collision, costs more than liability. Even newer vehicles may require higher premiums for full coverage. <\/p>\n\n\n\n
When you\u2019re getting a new quote, don\u2019t hold back \u2014 tell your agent everything. Whether you\u2019ve got top-notch safety features, fancy trim, or a model that\u2019s in high demand, all those details can help you land a rate that won\u2019t have you sweating like it\u2019s a hot summer day in Atlanta. <\/p>\n\n\n\n
Which Vehicle Types Cost the Most to Insure in Georgia? <\/h2>\n\n\n\n
The cost of auto insurance varies greatly depending on the factors outlined above, but specific types of vehicles tend to be associated with more expensive premiums. These include luxury cars, upscale sports cars, and Teslas. <\/p>\n\n\n\n
Some of the more expensive models include Maserati, Mercedes-Benz, Audi, BMW, and Porsche. These vehicles often carry higher auto premiums because replacing any damaged parts in an accident could be costly. <\/p>\n\n\n\n
When you\u2019re looking to buy a new ride, don\u2019t just focus on that sticker price \u2014 factor in insurance, maintenance, and whatever else it takes to keep it running smoothly. That flashy new sports car might have you grinning ear to ear, but if the insurance costs hit like Augusta traffic on a Friday afternoon, it might not be worth it. Sometimes, a good, reliable sedan \u2014 something that won\u2019t guzzle gas or drain your wallet \u2014 just makes more sense. <\/p>\n\n\n\n
If you’re considering an electric vehicle, you may also be asking, \u201cAre electric vehicles more expensive to insure<\/a>?<\/a>\u201d While some insurers offer discounts for environmentally friendly cars, electric vehicles may still have higher premiums due to specialized repair costs and limited availability of parts. <\/p>\n\n\n\n
Find the Right Insurance for Your Vehicle Type with Velox Insurance\u00a0<\/h2>\n\n\n\n
Velox Insurance can simplify your auto insurance journey, answering any questions you might have, from \u201cAre SUVs more expensive to insure?\u201d to \u201cDoes the type of vehicle impact the cost of insurance?\u201d Our agents can assist you whether you\u2019re a new driver picking out your first vehicle or you\u2019re looking to bundle insurance for your family. <\/p>\n\n\n\n
Your independent agent at Velox Insurance is waiting to answer all your questions about comprehensive, affordable auto insurance and help you find the best coverage. Call 855-468-3569<\/a>, get a free quote online<\/a>, or find a nearby Georgia location<\/a> for a personal meet-up with one of our friendly agents. <\/p>\n","protected":false},"excerpt":{"rendered":"
The car you drive says a lot about you, plain and simple. Around here, folks notice. Roll up in a brand-new Mustang, and people might think you\u2019ve got a need for speed \u2014 and a little extra cash to burn. A Honda Accord? That\u2019s the go-to for someone who wants something solid, dependable, and good […]<\/p>\n","protected":false},"author":1,"featured_media":10526,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10524"}],"collection":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=10524"}],"version-history":[{"count":1,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10524\/revisions"}],"predecessor-version":[{"id":10527,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/10524\/revisions\/10527"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media\/10526"}],"wp:attachment":[{"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=10524"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=10524"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/veloxinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=10524"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
- Campervans <\/li>\n<\/ul>\n\n\n\n
- Pickup trucks <\/li>\n<\/ul>\n\n\n\n
- Vans and minivans <\/li>\n<\/ul>\n\n\n\n
- Electric vehicles <\/li>\n<\/ul>\n\n\n\n
- Coupes <\/li>\n<\/ul>\n\n\n\n
- Hatchbacks <\/li>\n<\/ul>\n\n\n\n
- Sedans <\/li>\n<\/ul>\n\n\n\n