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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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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.
The average cost of car insurance in 2025 is about $150 per month, according to our data. But what you drive plays a big role in how much you pay. Insurance rates by car can vary more than you’d think, and the gap can be dramatic. For example, a Tesla Model X can cost $281 per month to insure, while a Honda CR-V averages just $111 per month.
If you’re in the market for a new car or comparing car insurance costs, we’ll walk you through which makes and models have the cheapest insurance, as well as the most expensive.
Vehicles from Fiat and Subaru have some of the lowest average insurance costs.
Luxury and performance cars are more expensive to insure, with Tesla and Maserati having the highest average insurance rates.
Many people believe red cars cost more to insure, but insurance companies don’t look at your car’s color when setting rates.
Different vehicle brands come with slightly different risks, which causes prices to swing high and low depending on what car you buy. Factors like repair costs, safety ratings, theft statistics, and even the types of drivers each brand tends to attract all come into play.
Luxury brands usually top the price charts because high-end models are expensive to repair or replace and often come with powerful engines that increase risk.
Below, you’ll see how much the average monthly premium can vary between different vehicle makes, according to Compare.com data.
Vehicle Make  | Average Monthly Premium |
|---|---|
| Acura | $157 |
| Alfa Romeo | $210 |
| Audi | $179 |
| BMW | $204 |
| Buick | $123 |
| Cadillac | $163 |
| Chevrolet | $142 |
| Chrysler | $152 |
| Dodge | $182 |
| Fiat | $117 |
| Ford | $139 |
| Genesis | $185 |
| GMC | $132 |
| Honda | $147 |
| Hyundai | $150 |
| Infiniti | $197 |
| Jaguar | $195 |
| Jeep | $128 |
| Kia | $147 |
| Land Rover | $171 |
| Lexus | $166 |
| Lincoln | $145 |
| Lotus | $154 |
| Maserati | $238 |
| Mazda | $134 |
| Mercedes-Benz | $202 |
| MINI | $133 |
| Mitsubishi | $141 |
| Nissan | $149 |
| Porsche | $207 |
| Ram | $147 |
| Subaru | $119 |
| Tesla | $268 |
| Toyota | $145 |
| Volkswagen | $146 |
| Volvo | $143 |
| All makes | $150 |
Tesla has the highest average monthly premium, at $268, followed by Maserati’s $238 average. Both are high-performance, high-value brands that cost more to repair or replace.
On the cheaper end of the spectrum, Fiat has the lowest average insurance cost, at $117 per month, with Subaru not far behind.
Next, we’ll consider auto insurance rates for specific models to show how prices can shift within a single brand.
Comparing quotes can save you an average of $867.†
Insurance rates can change quite a bit from one model to the next, even within the same brand or vehicle class. Two sedans or SUVs might look similar on paper, but one could have a significantly higher car insurance bill.
Here are the average monthly premiums for the 25 bestselling vehicles in the U.S. for 2024.[1]
Vehicle Model | Average Monthly Premium |
|---|---|
| Ford F-150 | $137 |
| Chevrolet Silverado | $145 |
| Toyota RAV4 | $105 |
| Tesla Model Y | $246 |
| Honda CR-V | $111 |
| Ram 1500 | $147 |
| GMC Sierra | $148 |
| Toyota Camry | $159 |
| Nissan Rogue | $125 |
| Honda Civic | $163 |
| Chevrolet Equinox | $107 |
| Toyota Corolla | $156 |
| Jeep Grand Cherokee | $141 |
| Hyundai Tucson | $125 |
| Chevrolet Trax | $126 |
| Ford Explorer | $126 |
| Toyota Tacoma | $133 |
| Subaru Crosstrek | $109 |
| Subaru Forester | $101 |
| Subaru Outback | $102 |
| Honda Accord | $163 |
| Kia Sportage | $125 |
| Toyota Tundra | $140 |
| Nissan Sentra | $160 |
| Tesla Model 3 | $273 |
| All models | $150 |
Some models have lower insurance prices — like the Subaru Forester, at $101 per month. Others are more expensive. For example, the Tesla Model 3 costs a staggering $273 per month to insure, according to our research.
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Insuring a Subaru Crosstrek costs less than covering a Chevrolet Silverado. That’s because 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.
The table below highlights the five cheapest vehicles to insure, based on our data. These models all have average monthly premiums that fall well below the national average of $150 per month.
Cars with more affordable car insurance quotes typically have excellent safety ratings, reducing accident severity and frequency. Replacement parts are widely available and affordable, which helps keep repair costs down.
These car models also have lower theft rates and attract responsible drivers with fewer claims, making them less risky to insure overall.
Our latest auto insurance rate analysis found that these five vehicles have the highest monthly premiums, making them particularly expensive choices for cost-conscious drivers seeking coverage.
The high cost is tied to the cars being either luxury models, high-performance cars, or both. That’s because these vehicles often come with expensive parts, advanced technology, and higher repair bills.
For example, Teslas have limited aftermarket parts and fewer certified technicians to make the repairs. The Mercedes S-Class represents luxury, and it can have costly replacement components.
Vehicle Make | Average Monthly Premium |
|---|---|
| Daewoo | $77 |
| Hummer | $109 |
| Isuzu | $98 |
| Mercury | $101 |
| Oldsmobile | $87 |
| Plymouth | $77 |
| Pontiac | $100 |
| Saab | $99 |
| Saturn | $96 |
| Scion | $155 |
| Smart | $136 |
| Suzuki | $96 |
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Beyond vehicle information, the best car insurance companies look at dozens of risk factors to build your driver profile, including:
Your driving record: A history of tickets, accidents, and insurance claims can increase your insurance rates for several years.
Age and experience: Younger drivers, especially people younger than 20, face much higher 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).[2]
Location: Drivers with an urban ZIP code usually face higher rates due to more traffic, theft, and accidents.
Credit history: Most states allow insurers to use your credit history when setting rates. Drivers with strong credit tend to get better prices.
Coverage options: Minimum coverage that meets your state’s liability limits is often the cheapest. Drivers pay more for full coverage because it includes comprehensive and collision insurance.
How much you drive: The more mileage you rack up, the more exposure you have to a possible accident, which increases your risk and drives up rates.
Just like the car you drive, the insurer you choose has a big effect on how much you’ll pay for car insurance.
Even with identical coverage, quotes can be all over the place from one insurance company to the next. That’s why comparison shopping is so important. It helps you nail down the best deal by seeing coverage options, policy features, and available discounts side by side.
Whatever car type you have, here’s a look at pricing, reviews, and other details for some of the best car insurance companies:
 |  |  |  |  |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $136/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $86/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $134/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $98/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $209/mo* |
Overall Rating 3.3 | Overall Rating 4.0 | Overall Rating 4.0 | Overall Rating 3.6 | Overall Rating 3.8 |
Value 3.6/5 | Value 4.3/5 | Value 4.3/5 | Value 4.0/5 | Value 4.1/5 |
Customer Service 3.6/5 | Customer Service 4.4/5 | Customer Service 4.3/5 | Customer Service 4.1/5 | Customer Service 4.1/5 |
Claims Handling 3.4/5 | Claims Handling 4.1/5 | Claims Handling 4.0/5 | Claims Handling 3.6/5 | Claims Handling 3.9/5 |
Special Highlight N/AAI-generated from 262 user reviews | Special Highlight N/AAI-generated from 278 user reviews | Special Highlight N/AAI-generated from 233 user reviews | Special Highlight N/AAI-generated from 156 user reviews | Special Highlight N/AAI-generated from 48 user reviews |
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 S, also rank high due to specialized parts and limited repair facilities.
Fiat is the most affordable brand to insure, with Subaru 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 car insurance costs, according to Compare.com data. Other budget-friendly options include the Subaru Outback, Toyota RAV4, and Chevrolet Equinox. These models tend to combine excellent safety ratings with affordable repair costs.
Tesla Model X is the most expensive car to insure, averaging more than $280 per month, according to Compare.com research. Other expensive options include the Mercedes-Benz S-Class and Toyota GR86.
Compare.com 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 Honda CR-V, 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 attract thieves, leading to more expensive insurance prices.
It might surprise you to know that your car’s color doesn’t affect how much you pay for insurance.[3] Insurers calculate rates based on factors such as body type, engine size, and vehicle age.
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.
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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.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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