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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Drivers have found policies from The General, Sun Coast, Kemper Economy, and more, for rates as low as $37/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cassie Sheets
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U.S. drivers pay an average of $1,801 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
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Average Monthly Cost: Full Coverage
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Average Annual Cost
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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
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Average Monthly Cost: Full Coverage
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Average Annual Cost: Full Coverage
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Average Monthly Cost: Liability Only
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Average Annual Cost: Liability Only
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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 Model
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    Average Monthly Rate: Full Coverage
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    Average Annual Rate: Full Coverage
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    Acura 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 Model
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    Average Monthly Rate: Full Coverage
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    Average Annual Rate: Full Coverage
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    BMW 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 Model
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    Average Monthly Rate: Full Coverage
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    Average Annual Rate: Full Coverage
    sort ascsort desc
    Cadillac 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 Model
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    Average Monthly Rate: Full Coverage
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    Average Annual Rate: Full Coverage
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    Chevrolet 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 Model
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    Average Monthly Rate: Full Coverage
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    Average Annual Rate: Full Coverage
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    Ford 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 Model
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    Average Monthly Rate: Full Coverage
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    Average Annual Rate: Full Coverage
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    GMC 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 Model
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    Average Monthly Rate: Full Coverage
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    Average Annual Rate: Full Coverage
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    Honda 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 Model
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    Average Monthly Rate: Full Coverage
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    Average Annual Rate: Full Coverage
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    Hyundai 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 Model
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    Average Monthly Rate: Full Coverage
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    Average Annual Rate: Full Coverage
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    Infiniti 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 Model
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    Average Monthly Rate: Full Coverage
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    Average Annual Rate: Full Coverage
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    Jeep 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 Model
    sort ascsort desc
    Average Monthly Rate: Full Coverage
    sort ascsort desc
    Average Annual Rate: Full Coverage
    sort ascsort desc
    Kia 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 Model
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    Average Monthly Rate: Full Coverage
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    Average Annual Rate: Full Coverage
    sort ascsort desc
    MINI 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 Model
    sort ascsort desc
    Average Monthly Rate: Full Coverage
    sort ascsort desc
    Average Annual Rate: Full Coverage
    sort ascsort desc
    Mazda 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 Model
    sort ascsort desc
    Average Monthly Rate: Full Coverage
    sort ascsort desc
    Average Annual Rate: Full Coverage
    sort ascsort desc
    Mercedes-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 Model
    sort ascsort desc
    Average Monthly Rate: Full Coverage
    sort ascsort desc
    Average Annual Rate: Full Coverage
    sort ascsort desc
    Nissan 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 Model
    sort ascsort desc
    Average Monthly Rate: Full Coverage
    sort ascsort desc
    Average Annual Rate: Full Coverage
    sort ascsort desc
    Ram 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 Model
    sort ascsort desc
    Average Monthly Rate: Full Coverage
    sort ascsort desc
    Average Annual Rate: Full Coverage
    sort ascsort desc
    Subaru 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 Model
    sort ascsort desc
    Average Monthly Rate: Full Coverage
    sort ascsort desc
    Average Annual Rate: Full Coverage
    sort ascsort desc
    Tesla 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 Model
    sort ascsort desc
    Average Monthly Rate: Full Coverage
    sort ascsort desc
    Average Annual Rate: Full Coverage
    sort ascsort desc
    Toyota 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 Model
    sort ascsort desc
    Average Monthly Rate: Full Coverage
    sort ascsort desc
    Average Annual Rate: Full Coverage
    sort ascsort desc
    Volkswagen 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
sort ascsort desc
Vehicle Model
sort ascsort desc
Average Annual Rate: Full Coverage
sort ascsort desc
FordWindstar$1,382
FordEscort$1,407
ChevroletAstro$1,426
ChevroletVenture$1,446
PontiacTorrent$1,449
PontiacBonneville$1,451
MazdaProtege$1,462
PontiacGrand AM$1,479
ChevroletCavalier$1,492
MercurySable$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
sort ascsort desc
Vehicle Model
sort ascsort desc
Average Annual Rate: Full Coverage
sort ascsort desc
BMWM4$3,832
NissanGT-R$3,815
ToyotaGR 86$3,757
MaseratiGhibli$3,741
TeslaModel 3$3,602
Mercedes-BenzGLE Coupe$3,583
TeslaModel X$3,510
TeslaModel Y$3,457
ToyotaSupra$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:

  • illustration card https://a.storyblok.com/f/162273/150x150/6a73ff8b27/family-96x96-green_002-girl.svg

    Age

    Younger drivers are less experienced and more likely to get into an accident than older drivers, so they have higher average insurance premiums.

  • illustration card https://a.storyblok.com/f/162273/150x150/b105bebbec/car-and-driving-96x96-gold_023-driving-test.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/dc01f991d6/surgery-96x96-orange_010-location.svg

    Location

    Drivers in urban areas with higher accident and theft rates pay more for car insurance than drivers in rural locations with fewer claims.

  • illustration card https://a.storyblok.com/f/162273/150x150/96ac3e2e7e/protection-and-security-96x96-blue_041-credit-card.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/6a92eb6099/insurify-icons-auto-green-96x96_005-insurance.svg

    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 $23 per month for liability-only coverage and $45 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Car and Driver. "The 25 Bestselling Cars, Trucks, and SUVs of 2025 (So Far)."
  2. Motortrend. "Who Owns It? MotorTrend’s Definitive List of Automotive Brands."
  3. Edmunds. "Used 2014 Acura TL SH-AWD - Specs & Features."
  4. Edmunds. "2026 BMW M4."
  5. Edmunds. "Cadillac DeVille."
  6. AAA. "Fixing Advanced Vehicle Systems Makes Up Over One -Third of Repair Costs Following a Crash."
Cassie Sheets
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.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 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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