Average Car Insurance Rates by Vehicle Model
Monthly full-coverage premiums range from $157 for the Toyota Camry to $288 for the Tesla Model Y.
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Table of contents
U.S. drivers pay an average of $1,794 annually for car insurance, but rates vary by vehicle make and model. Insurers consider multiple rating factors when setting rates, and your car’s purchase price, average repair costs, and safety features affect your insurance premiums.
Learn more about how the type of car you drive influences your insurance costs by exploring Insurify’s proprietary data for dozens of makes and models.
Quick Facts
Full coverage for an electric vehicle costs an average of $3,874 annually — 57% more than the average premium of $2,461 for a small gas-powered sedan.
Tesla vehicles represent three of the 10 models with the most expensive full-coverage premiums.
The average cost of full coverage for the 10 bestselling car models of 2025 is $2,291 per year.
Average car insurance costs by vehicle type
Your car’s body style influences your insurance rates significantly. Some vehicle types, like electric cars, are more expensive to repair and have higher average premiums.
Below are the average annual full-coverage costs for different vehicle types, according to Insurify data:
Electric vehicle (EV): $3,874
Sports car: $3,086
Midsize sedan: $2,519
Small sedan: $2,461
Large SUV: $2,269
Pickup truck: $2,202
Midsize SUV: $2,192
Minivan: $1,923
What do vehicle ‘make’ and ‘model’ mean?
A car make refers to the automaker that manufactured the car. Popular makes include Honda, Chevrolet, and Toyota. A car model is the specific name of the vehicle, like the CR-V, Silverado, or Camry.
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Average car insurance costs for top makes and models
Your car model affects insurance premiums because auto insurers consider a vehicle’s value, repair costs, and safety ratings when setting rates.
The table below shows the average cost of car insurance for the bestselling models of 2025, according to Car and Driver.[1] Insurify data shows annual full-coverage rates range from $1,879 for the Toyota Camry to $3,457 for the Tesla Model Y.
Vehicle Make and Model  | Average Monthly Cost: Full Coverage | Average Annual Cost |
|---|---|---|
| Ford F-Series | $172 | $2,069 |
| Chevrolet Silverado | $226 | $2,718 |
| Toyota RAV4 | $173 | $2,080 |
| Honda CR-V | $158 | $1,896 |
| Ram 1500 | $202 | $2,429 |
| GMC Sierra | $184 | $2,203 |
| Chevrolet Equinox | $168 | $2,021 |
| Tesla Model Y | $288 | $3,457 |
| Toyota Camry | $157 | $1,879 |
| Nissan Rogue | $180 | $2,156 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average car insurance rates by vehicle make
Auto manufacturers that primarily make luxury vehicles have higher-than-average insurance premiums because their cars are higher value and luxury features cost more to repair. For example, full coverage for the average BMW costs about 35% more than for the average Ford.
The table below shows the average cost to insure all models made by each manufacturer, according to Insurify data.
Vehicle Make/Manufacturer | Average Monthly Cost: Full Coverage | Average Annual Cost: Full Coverage | Average Monthly Cost: Liability Only | Average Annual Cost: Liability Only |
|---|---|---|---|---|
| Acura | $195 | $2,343 | $104 | $1,245 |
| BMW | $238 | $2,860 | $127 | $1,519 |
| Cadillac | $203 | $2,437 | $108 | $1,295 |
| Chevrolet | $183 | $2,199 | $97 | $1,168 |
| Ford | $177 | $2,123 | $94 | $1,128 |
| GMC | $174 | $2,090 | $93 | $1,110 |
| Honda | $187 | $2,245 | $99 | $1,193 |
| Hyundai | $200 | $2,402 | $106 | $1,276 |
| Jeep | $177 | $2,122 | $94 | $1,127 |
| Kia | $199 | $2,384 | $106 | $1,267 |
| MINI | $172 | $2,065 | $91 | $1,097 |
| Mazda | $180 | $2,161 | $96 | $1,148 |
| Mercedes | $235 | $2,825 | $125 | $1,501 |
| Nissan | $198 | $2,380 | $105 | $1,264 |
| Ram | $202 | $2,428 | $108 | $1,290 |
| Tesla | $294 | $3,526 | $156 | $1,873 |
| Toyota | $188 | $2,260 | $100 | $1,201 |
| Volkswagen | $193 | $2,311 | $102 | $1,228 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average car insurance rates by car model
More than 40 manufacturers make cars for the U.S. market, and each brand has its own lineup of models.[2] The insurance costs below represent average rates for vehicles in Insurify’s database of 70 million quotes from more than 120 partnering car insurance companies.
Full-coverage car insurance for the average Acura costs $2,343 annually. The Acura 3.2TL is the manufacturer’s cheapest model to insure because it was discontinued in 2014 and lacks the high-tech and expensive-to-repair features found in most modern vehicles.[3]
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageAcura 3.2TL $166 $1,995 Acura RDX $174 $2,084 Acura RSX $177 $2,129 Acura MDX $184 $2,202 Acura RL $188 $2,252 Acura TL $189 $2,273 Acura TSX $191 $2,290 Acura ILX $217 $2,598 Acura TLX $232 $2,787 Acura RLX $242 $2,899 Acura Integra $245 $2,941 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Full coverage for a BMW costs an average of $2,860 per year, but premiums range from $2,252 for the BMW Z4 to $3,832 for the BMW M4. The high-performance BMW M4 is the most expensive car model to insure because its horsepower increases the risk of damage in a crash and the purchase price starts at $80,100, making it an expensive car for insurers to replace.[4]
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageBMW Z4 $188 $2,252 BMW I3 $204 $2,445 BMW X3 $212 $2,547 BMW 1-Series $213 $2,554 BMW X1 $219 $2,632 BMW X5 $222 $2,663 BMW X2 $230 $2,758 BMW 3-Series $230 $2,760 BMW 6-Series $241 $2,888 BMW 5-Series $241 $2,894 BMW M3 $248 $2,981 BMW X4 $258 $3,099 BMW 7-Series $263 $3,151 BMW X6 $263 $3,159 BMW 4-Series $268 $3,215 BMW X7 $270 $3,242 BMW 2-Series $270 $3,243 BMW M4 $319 $3,832 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.The average annual cost of full coverage for a Cadillac is $2,437, but the manufacturer’s cheapest model to insure is the Cadillac DeVille, at $1,818. Cadillac discontinued the DeVille in 2005, and the used car now starts at $4,095, according to Edmunds, making it inexpensive to replace.[5]
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageCadillac DeVille $152 $1,818 Cadillac DTS $170 $2,034 Cadillac STS $176 $2,113 Cadillac SRX $179 $2,146 Cadillac CTS $195 $2,341 Cadillac Escalade $203 $2,434 Cadillac XT5 $210 $2,522 Cadillac XT4 $223 $2,679 Cadillac ATS $225 $2,702 Cadillac XT6 $226 $2,716 Cadillac XTS $230 $2,756 Cadillac CT6 $237 $2,842 Cadillac CTS-V $239 $2,869 Cadillac CT4 $254 $3,053 Cadillac CT5 $260 $3,117 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Chevrolet drivers pay an average of $2,199 annually for full coverage. The Chevrolet Astro is the cheapest model to insure, from the brand and among all models. The Astro’s last model year was 2005, so the vehicle doesn’t have high-tech safety features that make repair claims more costly for insurers.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageChevrolet Astro $119 $1,426 Chevrolet Venture $120 $1,446 Chevrolet Cavalier $124 $1,492 Chevrolet Uplander $134 $1,611 Chevrolet HHR $136 $1,634 Chevrolet S Truck $137 $1,639 Chevrolet Aveo $138 $1,659 Chevrolet Monte Carlo $139 $1,663 Chevrolet GMT-400 $139 $1,672 Chevrolet Captiva $142 $1,701 Chevrolet S10 $145 $1,740 Chevrolet Cobalt $147 $1,765 Chevrolet Express G3500 $148 $1,774 Chevrolet Avalanche $154 $1,853 Chevrolet Trailblazer $163 $1,957 Chevrolet Express G1500 $164 $1,967 Chevrolet Equinox $168 $2,021 Chevrolet Colorado $170 $2,044 Chevrolet Spark $172 $2,065 Chevrolet Sonic $172 $2,067 Chevrolet Suburban $173 $2,075 Chevrolet Traverse $174 $2,089 Chevrolet Express G2500 $176 $2,108 Chevrolet Silverado 1500 $176 $2,115 Chevrolet Volt $177 $2,127 Chevrolet Tahoe $177 $2,127 Chevrolet Blazer $181 $2,172 Chevrolet Caprice $181 $2,173 Chevrolet Silverado $182 $2,181 Chevrolet Trax $183 $2,199 Chevrolet Cruze $184 $2,203 Chevrolet Impala $185 $2,217 Chevrolet Silverado LD $190 $2,286 Chevrolet Malibu Limited $191 $2,291 Chevrolet Cruze Limited $193 $2,315 Chevrolet Impala Limited $193 $2,322 Chevrolet 3500 $194 $2,330 Chevrolet Bolt EV $197 $2,360 Chevrolet Corvette $208 $2,497 Chevrolet Malibu $208 $2,501 Chevrolet Bolt EUV $216 $2,589 Chevrolet Silverado LTD $226 $2,718 Chevrolet Camaro $232 $2,779 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Ford drivers pay an average of $2,123 annually for full coverage, but Mustang Mach-E insurance is 52% more costly, at $3,234. The electric crossover SUV has higher average insurance rates because EVs are more expensive to repair.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageFord Windstar $115 $1,382 Ford Escort $117 $1,407 Ford Freestyle $125 $1,500 Ford Explorer Sport Trac $132 $1,586 Ford Freestar $136 $1,634 Ford Five Hundred $139 $1,673 Ford Ranger $151 $1,809 Ford Excursion $155 $1,864 Ford Escape $158 $1,892 Ford Flex $159 $1,909 Ford Edge $162 $1,944 Ford F-150 Heritage $166 $1,995 Ford C-MAX $167 $2,008 Ford Econoline $168 $2,010 Ford Explorer $168 $2,019 Ford Crown Victoria $170 $2,042 Ford Expedition $170 $2,044 Ford Taurus $172 $2,063 Ford Fiesta $172 $2,066 Ford Focus $172 $2,067 Ford F-Series Pickup $172 $2,069 Ford Ecosport $179 $2,148 Ford Transit Connect $179 $2,153 Ford Bronco $188 $2,252 Ford Bronco Sport $190 $2,281 Ford Fusion $196 $2,355 Ford Maverick $200 $2,406 Ford Transit $217 $2,599 Ford Mustang $229 $2,753 Ford Mustang Mach-E $270 $3,234 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Full coverage for the average GMC vehicle costs $2,090 annually, but rates range from $1,592 for the discontinued GMC Envoy to $2,718 for the GMC Sierra Limited.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageGMC Envoy $133 $1,592 GMC Sonoma $133 $1,599 GMC NEW Sierra $143 $1,720 GMC Terrain $169 $2,033 GMC Acadia $171 $2,051 GMC Canyon $173 $2,082 GMC Yukon $177 $2,123 GMC Yukon XL $180 $2,162 GMC Savana $182 $2,182 GMC Sierra $184 $2,203 GMC Hummer EV $226 $2,717 GMC Sierra Limited $226 $2,718 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Honda drivers pay an average of $2,245 annually for full coverage, but some models are significantly more costly to insure. Full coverage for the electric Honda Prologue costs 42% more than the brand’s average rate, at $3,217 annually.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageHonda Element $130 $1,565 Honda Fit $150 $1,799 Honda Odyssey $153 $1,831 Honda CR-V $158 $1,896 Honda Ridgeline $162 $1,939 Honda CR-Z $164 $1,965 Honda S2000 $168 $2,012 Honda Pilot $169 $2,023 Honda Accord Crosstour $175 $2,096 Honda Clarity $177 $2,122 Honda Crosstour $181 $2,167 Honda Passport $181 $2,169 Honda Insight $188 $2,252 Honda HR-V $188 $2,256 Honda Civic $200 $2,402 Honda Accord $201 $2,414 Honda Prologue $268 $3,217 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Full-coverage car insurance for Hyundais costs an average of $2,402 annually. The Hyundai Ioniq 5, an electric SUV, is the brand’s most expensive model to insure, with an average annual full-coverage rate of $3,211.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageHyundai Elantra Touring $145 $1,736 Hyundai Tiburon $155 $1,862 Hyundai Veracruz $159 $1,911 Hyundai Santa FE $171 $2,056 Hyundai Santa FE Sport $177 $2,125 Hyundai Tucson $179 $2,146 Hyundai Elantra GT $180 $2,164 Hyundai Elantra Coupe $181 $2,172 Hyundai Santa Cruz $183 $2,192 Hyundai Accent $190 $2,276 Hyundai Azera $192 $2,306 Hyundai Veloster $193 $2,311 Hyundai Kona $196 $2,348 Hyundai Venue $199 $2,387 Hyundai Ioniq $200 $2,401 Hyundai Palisade $203 $2,431 Hyundai Sonata $210 $2,514 Hyundai Equus $213 $2,554 Hyundai Genesis $215 $2,576 Hyundai Elantra $216 $2,593 Hyundai Genesis Coupe $226 $2,715 Hyundai Elantra N $257 $3,087 Hyundai Ioniq 5 $268 $3,211 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Infiniti drivers pay an average of $2,818 annually for full coverage. The automaker’s cheapest model to insure, the EX35, ended production in 2012, so it lacks modern, high-tech safety features that are costly to repair.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageInfiniti EX35 $173 $2,081 Infiniti QX56 $191 $2,287 Infiniti M35 $192 $2,308 Infiniti G35 $199 $2,388 Infiniti FX35 $199 $2,391 Infiniti JX35 $204 $2,447 Infiniti QX60 $217 $2,599 Infiniti QX50 $218 $2,620 Infiniti QX70 $221 $2,657 Infiniti Q40 $222 $2,670 Infiniti G25 $230 $2,755 Infiniti QX80 $230 $2,761 Infiniti QX30 $232 $2,789 Infiniti G37 $238 $2,852 Infiniti Q70L $250 $2,997 Infiniti M37 $250 $3,000 Infiniti Q70 $259 $3,105 Infiniti Q50 $282 $3,387 Infiniti Q60 $284 $3,412 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Full coverage for a Jeep costs an average of $2,122 annually, but Jeep Gladiator drivers pay 13% more, with an average annual premium of $2,398.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageJeep Wrangler YJ $130 $1,556 Jeep Liberty $140 $1,678 Jeep Wrangler TJ $140 $1,685 Jeep Commander $151 $1,810 Jeep Patriot $159 $1,912 Jeep Wrangler Unlimited $173 $2,073 Jeep Wrangler $174 $2,090 Jeep Renegade $175 $2,102 Jeep Cherokee $178 $2,138 Jeep Grand Cherokee $185 $2,225 Jeep Compass $185 $2,225 Jeep Gladiator $200 $2,398 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.The average Kia costs $2,384 annually to insure, but full-coverage costs for the K4 surpass $3,200. The Kia K4 is equipped with high-tech safety features that can be expensive to repair after an accident.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageKia Rondo $137 $1,639 Kia Spectra $150 $1,794 Kia Sedona $153 $1,840 Kia Soul $172 $2,064 Kia Sorento $176 $2,116 Kia Soul EV $177 $2,124 Kia Niro $180 $2,155 Kia Sportage $181 $2,176 Kia Seltos $189 $2,273 Kia Telluride $195 $2,343 Kia Carnival $198 $2,378 Kia Rio $199 $2,385 Kia K900 $209 $2,508 Kia Optima $210 $2,524 Kia Forte $219 $2,634 Kia EV6 $258 $3,096 Kia Stinger $260 $3,114 Kia K5 $262 $3,142 Kia K4 $268 $3,221 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.The two-door MINI Cooper Coupe is slightly less expensive to insure than the four-door hatchback model.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageMINI Cooper Coupe $169 $2,032 MINI Cooper $173 $2,070 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Full coverage for a Mazda averages $2,161 annually, but premiums for the Mazda CX-90 luxury SUV are 19% higher than the brand average.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageMazda Protege $122 $1,462 Mazda Tribute $138 $1,659 Mazda 5 $147 $1,763 Mazda CX-7 $149 $1,789 Mazda Mazda2 $164 $1,972 Mazda Speed $166 $1,994 Mazda MX-5 Miata $169 $2,031 Mazda CX-5 $174 $2,084 Mazda CX-3 $179 $2,149 Mazda CX-9 $183 $2,197 Mazda 6 $186 $2,229 Mazda 3 $186 $2,231 Mazda RX8 $186 $2,237 Mazda CX-30 $206 $2,471 Mazda CX-50 $213 $2,554 Mazda CX-90 $215 $2,580 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Insuring a Mercedes-Benz costs an average of $2,825, but full-coverage rates are lower for used Mercedes models. The Mercedes-Benz SLK-Class has the cheapest insurance costs, but the last model year was 2016, so it’s less expensive to replace than a new vehicle.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageMercedes-Benz SLK-Class $165 $1,983 Mercedes-Benz CLK-Class $171 $2,057 Mercedes-Benz ML-Class $185 $2,222 Mercedes-Benz GLK-Class $191 $2,292 Mercedes-Benz SL-Class $202 $2,425 Mercedes-Benz Sprinter $204 $2,451 Mercedes-Benz GL-Class $211 $2,532 Mercedes-Benz CL-Class $214 $2,573 Mercedes-Benz GLC-Class $226 $2,717 Mercedes-Benz GLA-Class $227 $2,725 Mercedes-Benz B-Class $233 $2,791 Mercedes-Benz E-Class $234 $2,810 Mercedes-Benz GLB-Class $240 $2,880 Mercedes-Benz GLE-Class $241 $2,886 Mercedes-Benz G-Class $241 $2,888 Mercedes-Benz C-Class $242 $2,903 Mercedes-Benz GLS-Class $248 $2,980 Mercedes-Benz GLC Coupe $250 $3,005 Mercedes-Benz S-Class $254 $3,047 Mercedes-Benz CLS-Class $265 $3,175 Mercedes-Benz CLA-Class $266 $3,197 Mercedes-Benz A-Class $273 $3,278 Mercedes-Benz GLE Coupe $299 $3,583 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Nissan drivers pay an average of $2,380 annually for full coverage. The high-performance Nissan GR-T is the brand’s most expensive car to insure, as it has a 565-horsepower engine that increases the risk of damage in an accident.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageNissan Xterra $137 $1,646 Nissan Cube $149 $1,782 Nissan Quest $152 $1,829 Nissan Rogue Select $160 $1,921 Nissan Juke $166 $1,988 Nissan Frontier $169 $2,027 Nissan Murano $170 $2,039 Nissan Versa Note $174 $2,085 Nissan Rogue $180 $2,156 Nissan Titan $184 $2,209 Nissan Pathfinder $184 $2,209 Nissan Rogue Sport $189 $2,268 Nissan Armada $190 $2,281 Nissan 350Z $191 $2,291 Nissan NV $191 $2,294 Nissan Kicks $198 $2,382 Nissan Versa $199 $2,389 Nissan Leaf $206 $2,469 Nissan Titan XD $208 $2,499 Nissan Sentra $212 $2,549 Nissan Maxima $215 $2,577 Nissan Altima $215 $2,582 Nissan 370Z $230 $2,755 Nissan GT-R $318 $3,815 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Full coverage for the average Ram vehicle costs $2,428 annually. The brand’s Ram Tradesman pickup is the cheapest to insure because its workhorse design prioritizes durability and practicality.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageRam Tradesman $165 $1,976 Ram Promaster City $173 $2,072 Ram Promaster 2500 $196 $2,351 Ram 2500 $197 $2,365 Ram 3500 $202 $2,419 Ram 1500 $202 $2,429 Ram Promaster 1500 $203 $2,437 Ram 1500 Classic $214 $2,567 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.The average annual cost of full coverage for a Subaru is $1,953, but Subaru BRZ drivers have 51% higher rates. Sports cars, like the Subaru BRZ, have higher average insurance rates because they may need specialty parts and because higher horsepower increases the risk of accident damage.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageSubaru XV Crosstrek $138 $1,653 Subaru Forester $144 $1,725 Subaru Outback $148 $1,775 Subaru Legacy $159 $1,902 Subaru Crosstrek $165 $1,979 Subaru Impreza $167 $1,998 Subaru Ascent $173 $2,073 Subaru WRX $231 $2,773 Subaru BRZ $246 $2,957 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.As an EV manufacturer, Tesla has higher insurance rates than most automakers. The Tesla Model 3 has the highest full-coverage costs, at $3,602 annually, compared to the brand average of $3,526.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageTesla Model S $268 $3,218 Tesla Cybertruck $283 $3,392 Tesla Model Y $288 $3,457 Tesla Model X $293 $3,510 Tesla Model 3 $300 $3,602 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.The average annual full-coverage premium for Toyota cars is $2,260, but Toyota GR 86 drivers pay 66% more. Full coverage for the Toyota sports car costs an average of $3,757 yearly.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageToyota Pickup $127 $1,529 Toyota Celica $141 $1,690 Toyota Corolla Matrix $144 $1,724 Toyota FJ Cruiser $151 $1,812 Toyota RAV4 HV $154 $1,844 Toyota Camry Solara $157 $1,879 Toyota Sienna $160 $1,924 Toyota Prius V $161 $1,929 Toyota 4Runner $162 $1,946 Toyota Land Cruiser $162 $1,946 Toyota Sequoia $163 $1,954 Toyota Prius C $164 $1,969 Toyota Yaris $164 $1,972 Toyota Prius $171 $2,055 Toyota Highlander $171 $2,058 Toyota RAV4 $173 $2,080 Toyota Tacoma $176 $2,107 Toyota Venza $176 $2,107 Toyota Avalon $177 $2,125 Toyota Tundra $180 $2,156 Toyota Highlander Hybrid $187 $2,243 Toyota C-HR $188 $2,255 Toyota Yaris IA $200 $2,399 Toyota Camry $203 $2,430 Toyota Corolla $204 $2,447 Toyota Corolla IM $204 $2,448 Toyota Prius Prime $207 $2,486 Toyota RAV4 Prime $211 $2,526 Toyota Corolla Cross $215 $2,578 Toyota Crown $245 $2,937 Toyota 86 $266 $3,198 Toyota Supra $286 $3,427 Toyota GR 86 $313 $3,757 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.Volkswagen drivers pay an average of $2,156 annually for full coverage. The Volkswagen NEW Beetle is the manufacturer’s cheapest model to insure, as the discontinued Beetle lacks high-tech features that are expensive to repair.
Vehicle Make and ModelAverage Monthly Rate: Full CoverageAverage Annual Rate: Full CoverageVolkswagen NEW Beetle $134 $1,603 Volkswagen Rabbit $142 $1,703 Volkswagen Routan $147 $1,759 Volkswagen Golf Sportwagen $163 $1,959 Volkswagen EOS $164 $1,962 Volkswagen Touareg $166 $1,995 Volkswagen Beetle $169 $2,027 Volkswagen Golf $171 $2,046 Volkswagen Tiguan $187 $2,248 Volkswagen Passat $192 $2,306 Volkswagen Jetta $195 $2,338 Volkswagen CC $201 $2,406 Volkswagen GTI $202 $2,423 Volkswagen Atlas $203 $2,442 Volkswagen Taos $219 $2,625 Volkswagen Golf R $224 $2,688 Volkswagen Atlas Cross Sport $225 $2,703 Volkswagen ID.4 $227 $2,726 Volkswagen Arteon $247 $2,964 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 10 cheapest cars to insure
Lower-value vehicles are the cheapest cars to insure. The Ford Windstar, discontinued in 2003, has the cheapest average car insurance costs. A used Windstar now sells for between $4,347 and $6,905, according to Edmunds.
Older vehicles also have lower insurance costs. New vehicles with advanced driver assistance systems (ADAS), including features like automatic emergency braking and blind-spot monitoring, cost up to 37.6% more to repair than cars without ADAS, according to AAA.[6] Among the 10 cheapest cars to insure, shown in the table below, 2009 is the most recent model year.
Vehicle Make | Vehicle Model | Average Annual Rate: Full Coverage |
|---|---|---|
| Ford | Windstar | $1,382 |
| Ford | Escort | $1,407 |
| Chevrolet | Astro | $1,426 |
| Chevrolet | Venture | $1,446 |
| Pontiac | Torrent | $1,449 |
| Pontiac | Bonneville | $1,451 |
| Mazda | Protege | $1,462 |
| Pontiac | Grand AM | $1,479 |
| Chevrolet | Cavalier | $1,492 |
| Mercury | Sable | $1,497 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 10 most expensive cars to insure
Luxury vehicles are more expensive to insure because they cost more to repair and have a higher risk of theft. The BMW M4, the most expensive car to insure, starts at $80,100, according to Edmunds.
The Toyota GR 86 is an exception, starting at about $30,000, according to Edmunds. Even lower-value sports cars are more expensive to insure because greater horsepower means a higher risk of damage in a crash. The table below shows the 10 cars with the highest insurance costs, according to Insurify data.
Vehicle Make | Vehicle Model | Average Annual Rate: Full Coverage |
|---|---|---|
| BMW | M4 | $3,832 |
| Nissan | GT-R | $3,815 |
| Toyota | GR 86 | $3,757 |
| Maserati | Ghibli | $3,741 |
| Tesla | Model 3 | $3,602 |
| Mercedes-Benz | GLE Coupe | $3,583 |
| Tesla | Model X | $3,510 |
| Tesla | Model Y | $3,457 |
| Toyota | Supra | $3,427 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Other factors that affect car insurance rates
The type of car you drive isn’t the only factor that influences insurance rates. Insurers also consider the following personal factors to determine your risk category and premium:
Age
Younger drivers are less experienced and more likely to get into an accident than older drivers, so they have higher average insurance premiums.
Driving record
Accident records and traffic violations factor into car insurance rates. People with a clean driving history pay less than people with prior incidents.
Location
Drivers in urban areas with higher accident and theft rates pay more for car insurance than drivers in rural locations with fewer claims.
Credit history
Insurers don’t directly consider your credit score when setting rates, but in most states, they can assign a credit-based insurance score based on your financial history. A good credit history can lower your premiums.
Coverage level
Full-coverage policies include comprehensive and collision coverage, which provide more financial protection than liability coverage, so premiums are higher.
How to save on car insurance
These tips can help you lower your car insurance premiums, regardless of which model you drive:
Bundle insurance policies. Many insurers offer discounts for bundling home and auto insurance policies.
Increase your deductible. Your deductible is the out-of-pocket cost you pay before insurers cover claims. Raising your deductible can lower your monthly premiums.
Drive safely. Driving cautiously and avoiding speeding violations can help you qualify for safe driver discounts.
Shop around. Every insurance company rates risk differently, so some insurers may offer lower rates for the same coverage. Compare car insurance quotes from multiple companies to find your lowest premium.
Insurance rates by car model FAQs
Find answers to the most commonly asked questions about how and why your car model affects insurance rates below.
Which model has the cheapest car insurance?
The Ford Windstar has the cheapest car insurance, at an annual average of $1,382 for full coverage. The minivan, discontinued in 2003, is relatively inexpensive for insurers to repair or replace, explaining its lower-than-average insurance rate.
Which car insurance company is the cheapest?
Every insurance company weighs your unique risk factors differently when determining your car insurance premiums. Rates from top companies start at $27 per month for liability-only coverage and $49 for full coverage. Comparing coverage from multiple insurers can help you find your best rate.
Does a car’s body type affect insurance?
Yes, a car’s body type affects insurance rates. The most expensive types of cars to insure are EVs and sports cars, with average annual full-coverage rates of $3,874 and $3,096, respectively, according to Insurify data. Minivans are the cheapest style of car to insure, with average annual premiums of $1,923.
Does a car’s trim affect car insurance?
Cars with higher trim levels have more features, making them more expensive to repair than cars with lower trim levels, so they also have higher average insurance rates.
How much car insurance do you need?
The right car insurance policy for you depends on how much financial protection you need. A full-coverage policy includes coverage for damage to your car from accidents you cause and other incidents like theft or falling objects, as well as liability insurance. A liability-only insurance policy has lower premiums but offers less protection in the event of an incident.
When can you drop comprehensive and collision coverage?
People who drive older or lower-value vehicles may choose to drop comprehensive and collision insurance. If the value of your car is lower than your annual full-coverage insurance premium, you can drop down to liability-only coverage to save money.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Car and Driver. "The 25 Bestselling Cars, Trucks, and SUVs of 2025 (So Far)."
- Motortrend. "Who Owns It? MotorTrend’s Definitive List of Automotive Brands."
- Edmunds. "Used 2014 Acura TL SH-AWD - Specs & Features."
- Edmunds. "2026 BMW M4."
- Edmunds. "Cadillac DeVille."
- AAA. "Fixing Advanced Vehicle Systems Makes Up Over One -Third of Repair Costs Following a Crash."
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Cassie SheetsData Journalist
Cassie Sheets has more than nine years of experience creating compelling content for clients, brands, and local news sites. She started her career at Movoto Real Estate, where she transformed dry data into interesting insights for potential homebuyers. She’s since covered a wide range of topics, from pop culture news to home and garden trends.
Before joining Insurify, Cassie wrote engaging landing pages and blog posts for medical practices at MyAdvice. Now, she uses her knack for diving into the latest data and pulling out key details to empower insurance buyers.
Cassie holds a BFA in Creative Writing from Columbia College Chicago. In her free time, you can find her exploring the city with her dog, trying not to fall over in yoga classes, and petting cats at the shelter.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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