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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U.S. drivers pay an average of $1,729 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.
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.
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.
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.
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.
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.
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.
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:
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.