The Most Expensive Car Insurance in 2025
The type of car you drive and where you live can affect insurance rates. On average, living in Maryland and driving a Tesla Model 3 leads to the highest insurance rates.
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If you’re in the market for a new car, don’t forget to include insurance premiums in your budget. Auto insurance rates vary widely, depending on various factors like your location, driving record, the car you choose, and the insurance company that writes your policy.
For example, drivers in Maryland and Nevada pay some of the highest rates for car insurance. Owning a car with expensive parts, like the Infiniti Q50, can also increase your rates.1 That’s why it’s important to compare insurance rates and vehicle features before you commit to buying a car.
Here’s what to know about the most expensive car insurance policies and how you can save money.
Most expensive liability-only insurance
The type of coverage you buy plays a major role in your car insurance costs. A liability-only insurance policy has the cheapest rates because it includes only the state-mandated minimum coverage.
But rates on a liability-only car insurance policy can vary widely with each insurer because insurers base their rates on your age, driving history, vehicle type, ZIP code, and more. Each insurer weighs these criteria differently.
The following table shows the most expensive companies for buying liability-only insurance.
Most expensive full-coverage insurance
Full-coverage car insurance offers more robust protection than liability only. You’ll get the state-mandated minimum insurance along with collision and comprehensive coverages. These protections help cover your medical expenses and property damage to your car in an accident you cause. You may also be able to include medical payments, uninsured/underinsured motorist, and personal injury protection coverages.
The more coverage you add, the more your premium will increase.
The following table shows the most expensive companies for buying full-coverage car insurance.
Most expensive states for car insurance
Car insurance rates vary widely in each region, state, and even between different ZIP codes. Premiums for full-coverage policies tend to be highest in Maryland, Nevada, and Michigan, according to Insurify data.
Different factors influence car insurance rates in each of these states. For example, Nevada’s higher-than-average speed limits and congested tourist areas contribute to the high average cost of car insurance in the Silver State. And Michigan has some of the highest minimum insurance requirements in the U.S.
The table below shows the average monthly quotes for liability and full coverage in the 10 most expensive states for car insurance.
Cheapest states for car insurance
Drivers in North Carolina, New Hampshire, and Wisconsin pay the lowest amount for both full-coverage and liability-only car insurance, according to Insurify data. Each of these states has a relatively low population density, which may contribute to the lower premium costs. Wisconsin and New Hampshire also have a below-average vehicle fatality rate, which helps keep rates down.2
Most expensive cars to insure
The car you drive is one of the most important factors influencing your car insurance costs. When calculating rates, insurance companies check claims previously paid on similar models.
Driving a car associated with expensive claims, high repair costs, or requiring specialty parts may increase your insurance rates significantly. Sports cars and luxury vehicles typically have higher car insurance premiums because they’re more likely to be stolen and generally cost more to repair after an accident.
The Tesla Model 3 is the most expensive vehicle to insure, according to Insurify data. Premiums for the Infiniti Q50 and Q60 and the Dodge Charger are also higher-than-average.
Here, you can see a collection of some of the most expensive vehicles to insure.
Least expensive cars to insure
The Subaru Forester, Chrysler Town & Country, and Dodge Caravan are some of the least expensive vehicles to insure, according to Insurify data.
The Insurance Institute for Highway Safety named the Subaru Forester a top safety pick in 2023, which helps explain why rates are low.3 Generally, cars with good safety records can help you save on insurance rates because they have fewer and less expensive claims.
In the table below, you’ll find the cheapest cars to insure based on Insurify data.
Who pays the most for car insurance?
Car insurance companies look for ways to reduce risk when setting rates. Drivers who pose more risk — such as young drivers or drivers with a violation on their records — generally pay more for car insurance.
How insurers calculate car insurance rates
Car insurance companies consider a number of factors when setting your premium, including your:
Age
Driving history
Model of the vehicle you drive
Gender
Marital status
Amount of coverage you buy
Credit-based insurance score (in states where this practice is legal)
Most expensive car insurance FAQs
If you still have questions about the most expensive cars to insure, the following information can help.
Is car insurance more expensive for luxury cars?
Yes. Exotic and luxury car owners pay higher auto insurance costs on average. That’s because luxury cars are more valuable and require specialty parts for repairs. They’re also more likely to be stolen.
Car insurance policies for these vehicles are more expensive to offset these risks and the additional replacement costs.
What types of vehicles are more expensive to insure?
Higher-priced luxury cars are generally more expensive to insure than standard vehicles. The Tesla Model 3, Infiniti Q50, and Infiniti Q60 are some of the most expensive cars to insure, according to Insurify data. These cars cost around $300 per month to insure, compared to the Subaru Forester, which you can insure for about half that amount.
What is the most expensive car insurance coverage?
Full-coverage car insurance is more expensive than a liability-only policy. A full-coverage policy comes with the state-mandated minimum coverage plus optional protection, such as collision and comprehensive insurance.
Is GEICO the most expensive car insurance?
No. GEICO is one of the cheapest car insurance companies that Insurify tracks. It tends to offer low rates for good drivers, seniors, and young drivers. But people with certain driving violations, like DUIs, might find cheaper coverage elsewhere.
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