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Car Insurance Quotes by Vehicle Type: Quotes, Discounts for 2022

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Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated May 10, 2022

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Quick Facts

  • The cheapest type of vehicle to insure on average are SUVs, while classic and luxury vehicles are the most expensive.
  • Larger cars — pickup trucks and SUVs — are more expensive to insure for liability because of the damage they can cause to other vehicles.
  • Insurance comparison sites, like Insurify, are a quick and easy way to compare quotes from multiple providers to find the cheapest rates.

What’s more exciting than a new car? If you just bought one or are still on the lookout, you might be curious about car insurance rates you can expect to pay depending on the type of vehicle you drive. Auto insurance companies charge different rates for sedans, pickup trucks, luxury vehicles, SUVs, and classic cars.

Auto insurance is one of the most important products you buy for your household. You’ll want to make sure you have a rock-solid policy and find the cheapest car insurance rates for your vehicle type and family. To do that, we highly recommend comparing car insurance quotes with Insurify, which takes your specific needs into account and searches far and wide for the best insurance quotes. Try it — it’s free!

How Vehicle Type Affects Car Insurance Rates

Does vehicle type affect car insurance rates?

Your vehicle type can affect your car insurance rates. For example, if your vehicle is expensive, it will likely be more expensive to insure, or if you drive a large vehicle, you’ll likely see high liability costs because your vehicle can cause significant damage in the case of an accident.

To understand how your vehicle will affect your cost of car insurance, you have to think like an insurance company. Imagine your vehicle. If it were in a crash, would it do a lot of damage? The vehicle make would have some bearing on this. Larger cars — pickup trucks and SUVs — are more expensive to insure for liability because they can do expensive damage to other vehicles.

How much is your car worth? Some vehicle models are far more expensive than others, and owners of these pricier cars are charged higher car insurance rates. This is especially relevant if you have comprehensive and collision coverage because your insurance policy repairs your own car when it sustains damage or gets totaled. Looking at you, luxury and classic cars!

Overall, you’ll see that pickup trucks and sedans rank among the cheapest cars to buy coverage for. After that, SUVs are the most expensive to insure of all the daily-driver vehicles besides luxury cars and sports cars. For some classic cars, you can’t buy an auto insurance policy without proof that you have another car to drive as your daily-use vehicle.

Other Factors That Affect Car Insurance Rates

No matter what make or car model you buy, that car’s safety features will usually open up some discounts. With GEICO, you can get a discount just for wearing your seatbelt! Antilock brakes will also score you extra savings with car insurance companies, along with new anti-theft equipment.

But of course, there’s more to your car insurance rates than just the vehicle itself. Your driving record also plays a large role in your premiums. DUIs and speeding tickets that you’ve racked up in the last five years will hike up your auto insurance rates. And at-fault collisions will, too.

In most states — with some exceptions, including California and North Carolina — your credit score is used as a measurement of your financial responsibility. And if insurance companies think you’re likely to pay your bills on time, they will charge you less. If your credit score is getting you down, there are a number of things you can do to improve it fairly quickly.

Car insurance companies weigh all kinds of factors when they set your insurance premiums. This is why shopping around for the cheapest car insurance can be so rewarding: whatever your driving history, credit score, car model, and location, there’s an insurance provider with the right discounts for you.

Average Cost Car Insurance Quotes by Vehicle Type

Insurify collected auto insurance quotes from all the important car insurance companies out there. Here are the best car insurance rates sorted by vehicle type so you can see which companies charge the friendliest rates to your type of vehicle.

Cheapest Quotes for SUVs

You may find it surprising, but owners of SUVs pay some of the lowest annual premiums you’ll find. Sitting high off the road, they tend to have robust safety features for carrying families, and plenty of compact SUVs — for example, the Toyota RAV4 — are affordable enough that they don’t need super-high coverage limits for a full-coverage policy.

Insurance CompanyCheapest Quote for SUVs
Metromile$81
USH&C$94
Farmers$100
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Quotes for Sedans

Small but mighty, sedans tend to be the most affordable cars on the road. Their car insurance premiums certainly aren’t high, but given that they can sustain damage from all the larger cars on the road, they tend to be less safe, so personal injury protection can be more expensive. If you’re worried about high rates, choosing a higher deductible might help.

Insurance CompanyCheapest Quote for Sedans
Metromile$96
Farmers$107
USH&C$120
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Quotes for Pickup Trucks

Pickup trucks have among the lowest cost of car insurance on the market. If you’re driving a lower-cost pickup like a Nissan Frontier, they’ll be even lower. Average rates are still more expensive than a sedan since crashing a truck could result in more bodily injury liability claims. But with a clean driving record, finding cheap car insurance quotes for your pickup is easy.

Insurance CompanyCheapest Quote for Pickup Trucks
Farmers$92
Amigo USA$97
USH&C$112
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Quotes for Classic Cars

With a need for coverage limits that are typically off the charts, even beyond the needs of the most expensive luxury cars, classic cars are distinguished by the fact that they don’t depreciate in value over time. Thus, specialty auto insurance policies are normally required. These will run up a larger bill, but anyone who drives a classic car knows it’s worth it.

Insurance CompanyCheapest Quote for Classic Cars
Farmers$104
Amigo USA$122
USH&C$138
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Quotes for Luxury Vehicles

Luxury cars make for expensive auto insurance policies. That’s just the way it works! While minimum coverage that pays for damage to other drivers’ cars might mean your liability coverage could still be cheap, your comprehensive coverage and collision coverage have to cover the value of your car, so you’ll pay higher premiums to pay for those coverage limits.

Insurance CompanyCheapest Quote for Luxury Vehicles
Farmers$107
Kemper$152
Amigo USA$153
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Compare the Best and Cheapest Car Insurance Coverage

Everyone wants to work hard to lower their auto insurance premium. And the truth is that with a little effort, most drivers can improve on their current insurance policy and get a better deal! A small decrease in your monthly premium will look a lot different when you see your annual premium go down while assessing your yearly budget.

It’s time to hurry to save on car insurance, and in only five minutes, Insurify can get you started on the right foot. Enter your information, and you’ll be presented with a full list of real, personalized quotes on car insurance. It’s an amazing way to do auto insurance comparison shopping that saves you money. Give it a try!

Frequently Asked Questions

  • A snazzy sports car is much more expensive to insure than a workaday sedan like the Honda Accord. The type of vehicle you drive has a small but significant influence on your car insurance rates. If you have an ultra-valuable car or a classic car, you’re going to pay a whole lot more for car insurance and may need to seek out a specialty insurance provider to provide coverage.

  • Classic cars, antiques, and rare sports cars are the most expensive cars to insure. While State Farm, GEICO, Allstate, and Nationwide are some large car insurance companies that provide this specialty insurance, there are other insurance providers that exist only to underwrite policies for classic cars.

  • The most convenient way to get the cheapest car insurance quotes is to shop around for insurance companies that best fit your needs. There’s always one that matches your vehicle make, offers the insurance coverage you’re looking for, and services your home state. How to find that perfect policy? Insurify. It provides free, personalized insurance quotes.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Charlie Mitchell
Charlie Mitchell
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Content Writer at Insurify

Charlie Mitchell is a journalist, researcher, and copywriter living in Minneapolis. He's contributed to Vox, Mother Jones, The New Republic, and other magazines and websites.

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