+120 more)
)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
)
)
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
)
)
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
David Marlett is a Professor of Risk Management in the Department of Finance, Banking and Insurance at Appalachian State University. In his role, he serves as Managing Director of the university’s Brantley Risk & Insurance Center and holds the IIANC Distinguished Professorship. He also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Car insurance rates vary widely by vehicle make and model, so the car you drive can have a big effect on what you pay for coverage. Vehicles with strong safety ratings, like Subarus, typically cost far less to insure than high-performance and luxury brands, such as Lexus and Mercedes-Benz.
Factors like repair costs, crash safety, and theft rates also affect prices for each model. Understanding how these factors influence car insurance premiums can help you choose a vehicle that fits both your needs and your budget.
Here’s a breakdown of car insurance costs by make and model and how to choose the right policy.
Wagons, hatchbacks, and vans are some of the cheapest vehicle types to insure.
Luxury, performance, and electric vehicles tend to have the highest average premiums.
Higher trim levels and aftermarket performance parts can increase your rates, while safety enhancements can often lower them.
Car insurance premiums vary by vehicle because each make, model, and vehicle type has different risks. Insurers consider factors such as repair costs, engine size, safety ratings, and accident and theft rates when determining auto insurance rates.
Check out the table below to see how rates differ by vehicle type, according to Compare.com data.
Vehicle Type  | Average Annual Premium | Average Monthly Premium | Example Models |
|---|---|---|---|
| Convertible | $1,836 | $153 | Mazda MX-5 Miata, Ford Mustang Convertible |
| Coupe | $2,496 | $208 | Toyota GR86, Ford Mustang |
| Crossover | $2,057 | $171 | Toyota RAV4, Subaru Crosstrek |
| Electric vehicle (EV) | $3,874 | $323 | Tesla Model Y, Chevrolet Bolt EV |
| Hybrid | $2,230 | $186 | Toyota Prius, Honda Accord Hybrid |
| Luxury vehicle | $2,682 | $224 | BMW X5, Lexus RX |
| Sedan | $2,464 | $205 | Honda Accord, Toyota Camry |
| Sports Car | $3,086 | $257 | Porsche 911, Toyota Supra |
| SUV | $2,230 | $186 | Jeep Grand Cherokee, Chevrolet Tahoe |
| Truck | $2,202 | $184 | Ford F-150, Toyota Tacoma |
| Van | $1,923 | $160 | Chrysler Pacifica, Toyota Sienna |
| Wagon/hatchback | $1,542 | $129 | Volkswagen Golf, MINI Cooper |
Electric vehicles and sports cars usually cost more to insure because of their expensive parts and higher crash risk. Meanwhile, vans, wagons, and hatchbacks tend to have the cheapest car insurance rates.
Check quotes from 120+ top insurance companies.
If you’re shopping around for a new car and want one with cheap insurance rates, the following models consistently have the most affordable premiums. They’re generally cheaper to insure because they have strong safety ratings, lower repair costs, and fewer high-risk claims. Many also come with affordable parts and standard crash-avoidance tech, which helps insurers keep costs down.
Here’s how the most budget-friendly car models stack up, based on Compare.com data.
Rank | Make and Model | Average Annual Premium | Why It’s Affordable |
|---|---|---|---|
| 1 | Subaru Forester | $1,200 | Excellent safety record |
| 2 | Subaru Outback | $1,212 | Affordable parts Excellent safety record |
| 3 | Subaru Crosstrek | $1,296 | Excellent safety record Low theft rate |
| 4 | Subaru Ascent | $1,308 | Excellent safety record |
| 5 | Honda Passport | $1,344 | Affordable parts |
| 6 | Honda CR-V | $1,344 | Affordable parts |
| 7 | Honda Ridgeline | $1,356 | Excellent safety record |
| 8 | Hyundai Santa Cruz | $1,356 | Excellent safety record |
| 9 | Chrysler Voyager | $1,356 | Affordable parts |
| 10 | Ford Ranger | $1,356 | Affordable parts |
With so many car brands and models on the market, it can be intimidating to decide which one you should choose. Here’s a look at the average car insurance cost by make and model for the 25 bestselling cars in 2025[1], according to average rate data from Compare.com.
Vehicle Make and Model | MSRP (2026 Model) | Average Annual Premium |
|---|---|---|
| Ford F-Series | $39,330 | $1,655 |
| Chevrolet Silverado | $36,900 | $1,702 |
| Toyota RAV4 | $33,350 | $1,793 |
| Honda CR-V | $30,920 | $1,725 |
| Ram 1500 | $41,025 | $1,851 |
| GMC Sierra | $38,300 | $1,685 |
| Toyota Camry | $29,000 | $1,708 |
| Tesla Model Y | $41,630 | $1,643 |
| Toyota Tacoma | $32,145 | $1,740 |
| Chevrolet Equinox | $28,700 | $1,788 |
| Honda Civic | $24,595 | $1,698 |
| Toyota Corolla | $22,725 | $1,721 |
| Chevrolet Trax | $21,600 | $1,895 |
| Hyundai Tucson | $29,200 | $1,818 |
| Nissan Rogue | $29,090 | $1,803 |
| Ford Explorer | $38,465 | $1,693 |
| Jeep Grand Cherokee | $40,730 | $1,720 |
| Subaru Crosstrek | $26,995 | $1,936 |
| Kia Sportage | $28,690 | $1,828 |
| Subaru Forester | $29,995 | $1,694 |
| Tesla Model 3 | $38,630 | $1,692 |
| Jeep Wrangler | $49,895 | $1,817 |
| Nissan Sentra | $23,645 | $1,764 |
| Ford Maverick | $28,145 | $1,986 |
| Subaru Outback | $34,995 | $1,768 |
Save up to $867† per year on coverage.
The make of your vehicle plays a big role in how much you pay for insurance because brands vary in overall values, repair costs, safety rating, and the likelihood and severity of claims. Some brands cost more to fix or attract higher-risk drivers, while others are cheaper to maintain and safer on the road.
The table below shows the national average cost of car insurance for liability and full coverage for each vehicle make, according to Compare.com data.
Manufacturer | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Acura | $1,368 | $2,436 |
| Alfa Romeo | $1,380 | $2,532 |
| Audi | $1,356 | $2,448 |
| BMW | $1,356 | $2,412 |
| Buick | $1,368 | $2,448 |
| Cadillac | $1,380 | $2,460 |
| Chevrolet | $1,368 | $2,448 |
| Chrysler | $1,368 | $2,424 |
| Dodge | $1,368 | $2,448 |
| Fiat | $1,332 | $2,400 |
| Ford | $1,368 | $2,448 |
| Genesis | $1,356 | $2,352 |
| GMC | $1,368 | $2,448 |
| Honda | $1,368 | $2,436 |
| Hyundai | $1,392 | $2,484 |
| Infiniti | $1,380 | $2,412 |
| Jaguar | $1,356 | $2,388 |
| Jeep | $1,380 | $2,448 |
| Kia | $1,392 | $2,484 |
| Land Rover | $1,380 | $2,352 |
| Lexus | $1,368 | $2,424 |
| Lincoln | $1,380 | $2,460 |
| Mazda | $1,368 | $2,436 |
| Mercedes-Benz | $1,368 | $2,412 |
| Mercury | $1,368 | $2,448 |
| MINI | $1,344 | $2,400 |
| Mitsubishi | $1,368 | $2,472 |
| Nissan | $1,368 | $2,448 |
| Pontiac | $1,356 | $2,424 |
| Porsche | $1,344 | $2,292 |
| Ram | $1,392 | $2,436 |
| Saturn | $1,356 | $2,400 |
| Scion | $1,356 | $2,424 |
| Smart | $1,356 | $2,292 |
| Subaru | $1,308 | $2,412 |
| Tesla | $1,368 | $2,496 |
| Toyota | $1,356 | $2,436 |
| Volkswagen | $1,356 | $2,448 |
| Volvo | $1,356 | $2,436 |
Acura blends sporty performance with luxury comfort. Popular picks like the MDX and RDX help define the brand’s reputation for reliability and safety.
The table below shows average annual premiums for Acura models based on our data.
Acura Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| 3.2TL | $1,056 | $1,992 |
| ILX | $1,380 | $2,604 |
| Integra | $1,560 | $2,940 |
| MDX | $1,164 | $2,208 |
| RDX | $1,104 | $2,088 |
| RL | $1,200 | $2,256 |
| RLX | $1,536 | $2,904 |
| RSX | $1,128 | $2,124 |
| TL | $1,212 | $2,268 |
| TLX | $1,476 | $2,784 |
| TSX | $1,212 | $2,292 |
Audi has a diverse lineup of vehicles, from sporty sedans to electric SUVs, and insurance costs can vary widely depending on the model. Below is a breakdown of average annual rates for some of Audi’s most popular models, based on Compare.com data.
Audi Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| A3 | $1,512 | $2,844 |
| A4 | $1,428 | $2,676 |
| A4 Allroad | $1,284 | $2,412 |
| A5 | $1,560 | $2,940 |
| A6 | $1,512 | $2,856 |
| A7 | $1,596 | $3,000 |
| A8 | $1,584 | $2,976 |
| Q3 | $1,428 | $2,676 |
| Q5 | $1,320 | $2,484 |
| Q7 | $1,392 | $2,616 |
| Q8 | $1,692 | $3,180 |
| S3 | $1,644 | $3,084 |
| S4 | $1,632 | $3,060 |
| S5 | $1,620 | $3,060 |
| SQ5 | $1,452 | $2,724 |
| TT | $1,140 | $2,136 |
BMW is a premium brand known for innovation and luxury across its wide range of vehicle types. The 5 Series, X2, and M models are especially popular. Because BMWs range from compact coupes to high-powered M-series cars, insurance rates can swing dramatically. Check out the table below to see average annual costs for common BMW models, according to Compare.com data.
BMW Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| 1-Series | $1,356 | $2,556 |
| 2-Series | $1,728 | $3,240 |
| 3-Series | $1,464 | $2,760 |
| 4-Series | $1,704 | $3,216 |
| 5-Series | $1,536 | $2,892 |
| 6-Series | $1,536 | $2,892 |
| 7-Series | $1,668 | $3,156 |
| I3 | $1,296 | $2,448 |
| M3 | $1,584 | $2,976 |
| M4 | $2,040 | $3,828 |
| X1 | $1,404 | $2,628 |
| X2 | $1,464 | $2,760 |
| X3 | $1,356 | $2,544 |
| X4 | $1,644 | $3,096 |
| X5 | $1,416 | $2,664 |
| X6 | $1,680 | $3,156 |
| X7 | $1,728 | $3,240 |
| Z4 | $1,200 | $2,256 |
Dodge leans heavily into its roots as a muscle car and rugged SUV manufacturer, with models like the Charger and Durango accounting for most of its sales. But because Dodge vehicles vary widely — from compact crossovers to V-8 Hellcats — insurance costs can differ quite a bit by model. Let’s take a look at average annual Dodge premiums, according to our data.
Dodge Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Avenger | $1,140 | $2,136 |
| Caliber | $960 | $1,812 |
| Caravan | $828 | $1,572 |
| Challenger | $1,656 | $3,120 |
| Charger | $1,692 | $3,180 |
| Dakota | $876 | $1,656 |
| Dart | $1,200 | $2,256 |
| Durango | $1,260 | $2,364 |
| Grand Caravan | $948 | $1,788 |
| Hornet | $1,548 | $2,928 |
| Journey | $1,140 | $2,148 |
| Magnum | $1,008 | $1,908 |
| Neon | $864 | $1,620 |
| Nitro | $924 | $1,728 |
| Ram 1500 | $1,020 | $1,920 |
| Ram 2500 | $1,020 | $1,920 |
| Ram 3500 | $1,044 | $1,968 |
| Stratus | $888 | $1,668 |
Ford is one of the most popular brands in the U.S., especially with its top sellers like the Explorer, Bronco, and F-Series pickup. Since its lineup ranges from pickups to SUVs and EVs, insurance costs vary. Check out the table below for average annual premiums for many Ford models, based on our data.
Ford Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Bronco | $1,200 | $2,256 |
| Bronco Sport | $1,212 | $2,280 |
| C-MAX | $1,068 | $2,004 |
| Crown Victoria | $1,080 | $2,040 |
| Econoline | $1,068 | $2,016 |
| Ecosport | $1,140 | $2,148 |
| Edge | $1,032 | $1,944 |
| Escape | $1,008 | $1,896 |
| Escort | $744 | $1,404 |
| Excursion | $996 | $1,860 |
| Expedition | $1,080 | $2,040 |
| Explorer | $1,068 | $2,016 |
| Explorer Sport Trac | $840 | $1,584 |
| F-150 Heritage | $1,056 | $1,992 |
| F-Series Pickup | $1,104 | $2,064 |
| Fiesta | $1,092 | $2,064 |
| Five Hundred | $888 | $1,668 |
| Flex | $1,008 | $1,908 |
| Focus | $1,104 | $2,064 |
| Freestar | $864 | $1,632 |
| Freestyle | $792 | $1,500 |
| Fusion | $1,248 | $2,352 |
| Maverick | $1,272 | $2,400 |
| Mustang | $1,464 | $2,748 |
| Mustang Mach-E | $1,716 | $3,240 |
| Ranger | $960 | $1,812 |
| Taurus | $1,092 | $2,064 |
| Transit | $1,380 | $2,604 |
| Transit Connect | $1,140 | $2,148 |
| Windstar | $732 | $1,380 |
Genesis is Hyundai’s luxury brand, offering a mix of sedans and SUVs. The GV70 is its most popular model. Insurance rates are relatively close across the lineup, with the G70 sedan having the highest premiums, as shown in the table below.
Genesis Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| G70 | $1,692 | $3,180 |
| G80 | $1,512 | $2,844 |
| G90 | $1,392 | $2,628 |
| GV70 | $1,488 | $2,808 |
| GV80 | $1,452 | $2,736 |
GMC is best known for its rugged lineup of pickup trucks and SUVs, with top sellers like the Sierra, Terrain, and Yukon leading the pack. Insurance costs can differ widely across the GMC lineup because the vehicle types and model features that it offers vary so much. Here’s a look at average annual insurance costs for GMC models, according to Compare.com data.
GMC Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Acadia | $1,092 | $2,052 |
| Canyon | $1,104 | $2,076 |
| Envoy | $840 | $1,596 |
| Hummer EV | $1,896 | $3,456 |
| NEW Sierra | $912 | $1,716 |
| Savana | $1,164 | $2,184 |
| Sierra | $1,176 | $2,208 |
| Sierra Limited | $1,440 | $2,712 |
| Sonoma | $852 | $1,596 |
| Terrain | $1,080 | $2,028 |
| Yukon | $1,128 | $2,124 |
| Yukon XL | $1,152 | $2,160 |
Honda is known for practical, dependable vehicles that appeal to commuters and families alike. Models like the Civic, CR-V, and HR-V consistently top sales charts, but insurance rates differ depending on size, safety features, and repair costs. The table below shows average annual premiums for popular Honda models.
Honda Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Accord | $1,284 | $2,412 |
| Accord Crosstour | $1,116 | $2,100 |
| CR-V | $1,008 | $1,896 |
| CR-Z | $1,044 | $1,968 |
| Civic | $1,272 | $2,400 |
| Clarity | $1,128 | $2,124 |
| Crosstour | $1,152 | $2,172 |
| Element | $828 | $1,560 |
| FIT | $960 | $1,800 |
| HR-V | $1,200 | $2,256 |
| Insight | $1,200 | $2,256 |
| Odyssey | $972 | $1,836 |
| Passport | $1,152 | $2,172 |
| Pilot | $1,080 | $2,028 |
| Prologue | $1,704 | $3,216 |
| Ridgeline | $1,032 | $1,944 |
| S2000 | $1,068 | $2,016 |
Jeep is known for its SUVs, off-road icons, and its midsize pickup, with the Gladiator, Grand Cherokee, and Wrangler among its bestsellers. Because Jeeps serve different purposes (from backroad trails to daily driving), insurance costs can vary widely. Look at the table below to see the average premiums for many Jeep models based on our data.
Jeep Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Cherokee | $1,140 | $2,136 |
| Commander | $960 | $1,812 |
| Compass | $1,188 | $2,220 |
| Gladiator | $1,272 | $2,400 |
| Grand Cherokee | $1,176 | $2,220 |
| Liberty | $888 | $1,680 |
| Patriot | $1,020 | $1,908 |
| Renegade | $1,116 | $2,100 |
| Wrangler | $1,116 | $2,088 |
| Wrangler/TJ | $900 | $1,680 |
| Wrangler/YJ | $828 | $1,560 |
| Wrangler Unlimited | $1,104 | $2,076 |
Kia makes affordable, versatile vehicles, with the K4, Sportage, and Telluride leading sales this year. Insurance costs vary across the brand, reflecting differences in vehicle size, repair costs, and safety features. The following table shows the average annual insurance rates for popular Kia models, based on Compare.com data.
Kia Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Cadenza | $1,380 | $2,592 |
| Carnival | $1,260 | $2,376 |
| EV6 | $1,644 | $3,096 |
| Forte | $1,404 | $2,628 |
| K4 | $1,716 | $3,216 |
| K5 | $1,668 | $3,144 |
| K900 | $1,332 | $2,508 |
| Niro | $1,140 | $2,160 |
| Optima | $1,344 | $2,520 |
| Rio | $1,272 | $2,388 |
| Rondo | $876 | $1,644 |
| Sedona | $972 | $1,836 |
| Seltos | $1,212 | $2,268 |
| Sorento | $1,128 | $2,112 |
| Soul | $1,092 | $2,064 |
| Soul EV | $1,128 | $2,124 |
| Spectra | $948 | $1,800 |
| Sportage | $1,152 | $2,172 |
| Stinger | $1,656 | $3,120 |
| Telluride | $1,248 | $2,340 |
Mercedes-Benz is all about luxury cars that blend style, tech, and comfort. The GLC and GLE models are the most popular, and you’ll find that insurance rates vary as much as the Mercedes-Benz lineup of vehicles. Below, we highlight the average annual premiums for this luxury brand, based on Compare.com data.
Mercedes-Benz Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| A-Class | $1,740 | $3,276 |
| B-Class | $1,488 | $2,796 |
| C-Class | $1,548 | $2,904 |
| CL-Class | $1,368 | $2,568 |
| CLA-Class | $1,704 | $3,192 |
| CLK-Class | $1,092 | $2,052 |
| CLS-Class | $1,692 | $3,180 |
| E-Class | $1,488 | $2,808 |
| G-Class | $1,536 | $2,892 |
| GL-Class | $1,344 | $2,532 |
| GLA-Class | $1,452 | $2,724 |
| GLB-Class | $1,536 | $2,880 |
| GLC Coupe | $1,596 | $3,000 |
| GLC-Class | $1,440 | $2,712 |
| GLE Coupe | $1,908 | $3,588 |
| GLE-Class | $1,536 | $2,892 |
| GLK-Class | $1,212 | $2,292 |
| GLS-Class | $1,584 | $2,976 |
| ML-Class | $1,176 | $2,220 |
| S-Class | $1,620 | $3,048 |
| SL-Class | $1,284 | $2,424 |
| SLK-Class | $1,056 | $1,980 |
| Sprinter | $1,296 | $2,448 |
Nissan’s lineup spans a wide range of vehicle types, from sports cars to crossovers and SUVs. The Rogue, Sentra, and Kicks are among its bestsellers. The variation in size, repair needs, safety features, and tech for Nissans means insurance premiums can differ quite a bit. Check out the table below for average annual rates for most Nissan models.
Nissan Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| 350Z | $1,212 | $2,292 |
| 370Z | $1,464 | $2,760 |
| Altima | $1,368 | $2,580 |
| Armada | $1,212 | $2,280 |
| Cube | $948 | $1,788 |
| Frontier | $1,080 | $2,028 |
| GT-R | $2,028 | $3,816 |
| Juke | $1,056 | $1,992 |
| Kicks | $1,260 | $2,376 |
| Leaf | $1,308 | $2,472 |
| Maxima | $1,368 | $2,580 |
| Murano | $1,080 | $2,040 |
| NV | $1,224 | $2,292 |
| Pathfinder | $1,176 | $2,208 |
| Quest | $972 | $1,824 |
| Rogue | $1,140 | $2,160 |
| Rogue Select | $1,020 | $1,920 |
| Rogue Sport | $1,200 | $2,268 |
| Sentra | $1,356 | $2,544 |
| TITAN | $1,176 | $2,208 |
| TITAN XD | $1,332 | $2,496 |
| Truck | $900 | $1,692 |
| Versa | $1,272 | $2,388 |
| Versa Note | $1,104 | $2,088 |
| Xterra | $876 | $1,644 |
Porsche is all about high-performance luxury, and its bestselling models in the U.S. include the Macan and Cayenne. It has a diverse lineup from sporty coupes to rugged SUVs, with similarly wide insurance price ranges. Here’s a breakdown of average annual rates for different Porsche models, according to Compare.com data.
Porsche Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| 911 | $1,404 | $2,652 |
| Boxster | $1,416 | $2,664 |
| Cayenne | $1,428 | $2,676 |
| Cayman | $1,500 | $2,832 |
| Macan | $1,524 | $2,880 |
| Panamera | $1,728 | $3,240 |
Subaru is a popular brand in the U.S., thanks to its practicality, high resale value, and standard all-wheel drive. Insurance premiums for Subaru models tend to increase the smaller and sportier the vehicle gets. This makes the most popular models, the Crosstrek, Forester, and Outback, some of the cheapest options to insure. Check out the table below for average annual Subaru rates, according to our data.
Subaru Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Ascent | $1,104 | $2,076 |
| BRZ | $1,572 | $2,952 |
| Crosstrek | $1,056 | $1,980 |
| Forester | $912 | $1,728 |
| Impreza | $1,056 | $2,004 |
| Legacy | $1,008 | $1,908 |
| Outback | $948 | $1,776 |
| WRX | $1,476 | $2,772 |
| XV Crosstrek | $876 | $1,656 |
Tesla is a leader in the EV world, with the Model Y and Model 3 dominating U.S. sales in recent years. Even though the Model 3 is a sedan and the Model Y is a crossover, their average insurance costs aren’t too far from each other. The table below shows average annual Tesla premiums, according to Compare.com data.
Tesla Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| Model 3 | $1,908 | $3,600 |
| Model S | $1,704 | $3,216 |
| Model X | $1,860 | $3,516 |
| Model Y | $1,836 | $3,456 |
Toyota offers a bit of everything, from compact sedans and EVs to rugged trucks and roomy SUVs, with the RAV4 and Camry leading sales. Insurance rates reflect the wide range of vehicle types, with various sizes, repair costs, safety features, and tech. The following table breaks down average annual insurance costs by Toyota model, according to Compare.com data.
Toyota Model | Average Annual Liability Premium | Average Annual Full-Coverage Premium |
|---|---|---|
| 4Runner | $1,032 | $1,944 |
| GR86 | $1,704 | $3,192 |
| Avalon | $1,128 | $2,124 |
| C-HR | $1,200 | $2,256 |
| Camry | $1,296 | $2,436 |
| Camry Solara | $996 | $1,884 |
| Celica | $900 | $1,692 |
| Corolla | $1,296 | $2,448 |
| Corolla Cross | $1,368 | $2,580 |
| Corolla IM | $1,296 | $2,448 |
| Corolla Matrix | $912 | $1,728 |
| Crown | $1,560 | $2,940 |
| FJ Cruiser | $960 | $1,812 |
| GR 86 | $1,992 | $3,756 |
| Highlander | $1,092 | $2,052 |
| Highlander Hybrid | $1,188 | $2,244 |
| Land Cruiser | $1,032 | $1,944 |
| Pickup | $816 | $1,524 |
| Prius | $1,092 | $2,052 |
| Prius C | $1,044 | $1,968 |
| Prius Prime | $1,320 | $2,484 |
| Prius V | $1,020 | $1,932 |
| RAV4 | $1,104 | $2,076 |
| RAV4 HV | $984 | $1,848 |
| RAV4 Prime | $1,344 | $2,532 |
| Sequoia | $1,032 | $1,956 |
| Sienna | $1,020 | $1,920 |
| Supra | $1,824 | $3,432 |
| Tacoma | $1,116 | $2,112 |
| Tundra | $1,140 | $2,160 |
| Venza | $2,112 | $2,112 |
| Yaris | $1,044 | $1,968 |
| Yaris IA | $1,272 | $2,400 |
High-performance engines, luxury features, and pricey repairs can drive up insurance costs. All the cars on this list check at least one of these boxes. Some have higher claim rates, others require expensive parts that may be hard to find, and several face above-average theft risk.
Below we rank the 10 most expensive cars to insure, along with a note on why each model tends to come with higher auto insurance rates.[2]
Make and Model | Average Annual Premium | Why It’s Expensive |
|---|---|---|
| Infiniti Q50 | $2,736 | High theft rate Luxury sedan High-performance |
| Toyota Supra | $2,676 | Luxury sports car Moderate theft rate |
| Dodge Charger | $2,652 | High theft rates High repair costs |
| Mercedes-Benz C-Class | $2,640 | Expensive parts and repairs |
| Tesla Model 3 | $2,592 | Expensive parts |
| Ford Mustang | $2,556 | High-performance |
| Lexus IS | $2,544 | High-quality materials and expensive parts |
| BMW M4 | $2,532 | High claim rates |
| Dodge Challenger | $2,508 | High theft rates |
| Toyota GR86 | $2,496 | High-performance |
Insurance companies consider several variables when setting car insurance prices for different car makes and models.
Here are the main vehicle-specific factors that affect how much you pay for car insurance:
Repair and replacement costs: Cars with higher price tags typically need more expensive parts and specialized mechanics. That generally means they’ll cost more to insure.
Safety features: Vehicles with advanced safety tech, such as automatic braking or lane-keeping assist, often qualify for safety discounts.
Theft rates: Certain models are more prone to theft than others, making them costlier to insure.
Accidents and claim history: Some cars have a higher risk of accidents and claims. Both factors affect rates.
Typical driver profile: Sports cars and convertibles tend to draw performance-minded car owners, while minivans may attract family-focused drivers.
)
Here are a few tips to help you choose the right insurance policy for your make and model:
Bundle policies for savings. Buying your car insurance policy with homeowners or renters insurance helps you get bundling discounts on your insurance coverage.
Re-evaluate your coverage needs. You probably need full coverage if you have a new car. But if you have an older model, you may only need liability coverage. A car insurance calculator can help you estimate the cost of your coverage needs.
Track your driving habits. If you’re a generally safe driver with a clean driving record, you could score cheaper rates with usage-based insurance.
Raise your deductibles. A higher deductible can lower premiums but means more out-of-pocket costs if you file a claim.
Consider your net worth. State-minimum liability coverage is all you need to drive legally. But if you cause an injury or property damage to others, minimum coverage limits might not be enough to protect your personal finances.
Compare car insurance quotes. Check multiple companies to find the best rates for your make, model, and coverage needs.
Compare rates from leading insurers.
Beyond vehicle information, the best car insurance companies look at dozens of risk factors to build your driver profile, including:
A history of speeding tickets, accidents, and insurance claims can increase your insurance rates for several years.
Young drivers, especially people younger than 20, face very high rates. Teen drivers are nearly three times as likely to be in a fatal crash as drivers 20 and older, according to the Insurance Institute for Highway Safety (IIHS).[3]
Drivers with an urban ZIP code usually face higher rates due to more traffic, theft, and car accidents.
Most states allow insurers to use your credit when setting rates. Drivers with good credit tend to get better prices.
Minimum coverage that meets your state’s liability limits is often the cheapest. Drivers pay more for full-coverage car insurance because it includes comprehensive and collision coverage.
The more mileage you rack up, the more exposure you have to a possible accident, which increases your risk and drives up auto insurance rates.
Shopping for new wheels brings up plenty of insurance questions, and we’ve got the answers to the most common ones below.
Sports cars and luxury vehicles consistently top the list when it comes to insurance rates, according to Compare.com research. High-end electric cars, like the Tesla Model 3, are also highly ranked due to specialized parts and limited repair facilities.
Subaru is the cheapest brand to insure, with Honda following close behind, according to Compare.com data. Both brands offer reliable vehicles with reasonable repair costs that insurance companies favor.
The Subaru Forester has the lowest average car insurance costs, according to Compare.com data. Other budget-friendly options include the Subaru Outback, Honda CR-V, and Hyundai Santa Cruz. These models tend to combine excellent safety ratings with affordable repair costs.
The Infiniti Q50 is the most expensive car to insure, averaging $2,736 in annual premiums, according to Compare.com research. Other expensive options include the Mercedes-Benz S-Class and Toyota GR86.
Our data shows that SUVs are generally less expensive to insure than cars. For instance, our research found that the average cost to insure SUV body styles, like the Jeep Grand Cherokee, Ford Explorer, and Chevrolet Tahoe, is cheaper than for a sedan, like the Honda Accord, Nissan Sentra, or Toyota Camry.
It depends. Basic pickup trucks like the Ford F-150 can have lower insurance bills than luxury SUVs or sedans. But it really depends on the specific make and model.
Several factors go into calculating car insurance rates, including repair costs, safety ratings, and theft rates. Some cars require expensive parts or are prone to theft, leading to more expensive insurance.
It might surprise you to know that your car’s color doesn’t affect how much you pay for insurance.[4] Insurers calculate rates based on factors such as body type, engine size, and vehicle age.
Your car’s make and model affect insurance rates because insurers consider factors like repair costs, safety ratings, theft risk, and historical claim data. More expensive or high-risk models usually cost more to insure.
Electric vehicles often have higher premiums because their batteries and electrical components are expensive to repair or replace. Advanced technology and limited repair options also increase insurance costs compared to gas-powered cars.
Higher trim levels with luxury features or performance upgrades can increase repair costs and accident risk, which may raise premiums. Aftermarket modifications, like engine upgrades or custom parts, can also raise your insurance costs because they affect safety, repair expenses, and claim risk.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
David Marlett is a Professor of Risk Management in the Department of Finance, Banking and Insurance at Appalachian State University. In his role, he serves as Managing Director of the university’s Brantley Risk & Insurance Center and holds the IIANC Distinguished Professorship. He also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.