Average Car Insurance Rates by Vehicle Model

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

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

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

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.

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.

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.

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.

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.

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.

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.

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.

The two-door MINI Cooper Coupe is slightly less expensive to insure than the four-door hatchback model.

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.

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.

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.

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.

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.

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.

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.

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.