Car insurance estimate by model 2025

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Choosing a car involves more than picking your favorite color or model — you should also consider ownership costs, especially your car insurance premium.

Car insurance rates vary significantly based on your vehicle’s make and model. High-performance or luxury vehicles typically have higher premiums, whereas less expensive models generally have lower insurance costs.

Our guide explains how different cars affect premiums so you can make an informed decision.

Average car insurance estimates by vehicle model

Car insurance costs differ greatly depending on the vehicle model you choose. Generally, vehicles that are expensive or considered high-risk cost more to insure. Below, you’ll see how insurance rates differ depending on the make and model you drive.

Make and model	Model year	Average annual cost	Average monthly cost
Ford F-Series	2024	$2,481	$207
Chevrolet Silverado	2024	$2,413	$201
Toyota RAV4	2024	$2,159	$180
Tesla Model Y	2024	$3,529	$294
Honda CR-V	2024	$1,932	$161
Ram Pickups(1500, 1500 Classic, 1500 TRX)	2024	$2,537	$211
GMC Sierra	2024	$2,590	$216
Toyota Camry	2024	$2,400	$200
Nissan Rogue	2024	$2,314	$193
Honda Civic	2024	$2,300	$192
Chevrolet Equinox	2024	$2,090	$174
Toyota Corolla	2024	$2,399	$200
Jeep Grand Cherokee	2024	$2,371	$198
Hyundai Tucson	2024	$2,130	$178
Chevrolet Trax	2024	$2,102	$175
Ford Explorer	2024	$2,357	$196
Toyota Tacoma	2024	$2,345	$195
Subaru Crosstrek	2024	$2,064	$172
Subaru Forester	2024	$2,013	$168
Subaru Outback	2024	$2,042	$170
Honda Accord	2024	$2,342	$195
Kia Sportage	2024	$2,110	$176
Toyota Tundra	2024	$2,493	$208
Ford Transit	2024	$2,298	$192
Nissan Sentra	2024	$2,350	$196

For better results, try adding your specific make and model

Methodology

Source: Insure.com, from a study commissioned by Insure.com from Quadrant Information Services. Averages are based on a 40-year-old male driver who commutes 12 miles to work, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive insurance. The policy includes uninsured-motorist coverage. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Affordable car insurance companies for your vehicle model

If you own a Toyota RAV4, State Farm offers the most affordable insurance at an average of $1,750 annually or $146 monthly. Similarly, if you have a Tesla Model Y, Nationwide is the most affordable option, with an average annual cost of $2,599 or $217 per month, according to our data study.

The table below shows which insurance company offers the best rates for different vehicles.

Make and model	Company	Average annual cost	Average monthly cost
Ford F-Series	GEICO	$2,061	$172
Chevrolet Silverado	Nationwide	$1,888	$157
Toyota RAV4	State Farm	$1,750	$146
Tesla Model Y	Nationwide	$2,599	$217
Honda CR-V	Nationwide	$1,402	$117
Ram Pickups(1500, 1500 Classic, 1500 TRX)	GEICO	$2,077	$173
GMC Sierra	Nationwide	$2,042	$170
Toyota Camry	GEICO	$1,910	$159
Nissan Rogue	State Farm	$1,895	$158
Honda Civic	GEICO	$1,819	$152
Chevrolet Equinox	Nationwide	$1,667	$139
Toyota Corolla	GEICO	$1,825	$152
Jeep Grand Cherokee	State Farm	$1,934	$161
Hyundai Tucson	GEICO	$1,744	$145
Chevrolet Trax	GEICO	$1,656	$138
Ford Explorer	Nationwide	$1,984	$165
Toyota Tacoma	Progressive	$1,896	$158
Subaru Crosstrek	State Farm	$1,659	$138
Subaru Forester	Nationwide	$1,444	$120
Subaru Outback	Nationwide	$1,448	$121
Honda Accord	Nationwide	$1,876	$156
Kia Sportage	GEICO	$1,756	$146
Toyota Tundra	Nationwide	$2,044	$170
Ford Transit	GEICO	$1,989	$166
Nissan Sentra	GEICO	$1,843	$154

How does the make and model of my vehicle affect my insurance rates?

Insurance companies consider several factors related to your car – such as its cost, safety features, crash test ratings, average repair expenses and the likelihood of theft – to determine how much risk you pose as a policyholder.

For example, luxury or high-performance sports cars typically cost more to insure because they’re expensive to repair or replace. On the other hand, vehicles with low average repair costs, like many family sedans or compact SUVs, come with cheaper insurance rates.

Why are some types of cars more expensive to insure?

Some makes and models are more expensive to insure because they pose a higher risk for the insurance company. Luxury or sports cars usually have high-tech components and other pricey features that make them more costly to repair or replace after an accident.

For instance, it costs $4,998 annually to insure an Audi RS Q8, a luxury sports vehicle. In contrast, a family sedan such as the Honda Accord costs $2,342 annually – a difference of $2,656, according to our data analysis.

Sports and luxury vehicles are also more likely to be targeted by thieves. Generally, the higher the cost to repair or replace your car, the more you will pay for insurance.

How to get the most affordable car insurance rates

Car insurance can be costly. But you can save money on your premium by taking a few proactive steps, including:

Shop around. Rates can vary among insurers, depending on your driving history, location and the type of car you own. Make sure you compare quotes apples to apples before purchasing a policy.

Maintain a good driving record. Your driving history plays a major role in determining your rates. Drivers with clean records usually pay less for insurance. Avoid accidents and traffic violations, as these can raise your premium.

Choose the right coverage. Make sure you have enough coverage to protect yourself in an accident, adjusting it based on your car’s value and requirements.

Ask for discounts. Many insurers offer discounts that can help reduce your premium. For example, you might be eligible for discounts if you bundle your car insurance with other policies, such as home or renters insurance.

Maintain good credit. In many states, insurers consider your credit score when setting your rates. Drivers with higher credit scores often pay lower premiums.

If you’re driving a vehicle with high insurance costs, consider shopping around and evaluating your existing coverage options. Sometimes, adjusting your deductible or bundling policies can make a significant difference.

Frequently asked questions

How does the age of a car impact insurance rates?

Generally, older cars cost less to insure because they lose value over time. Insurance companies base premiums partly on how much it would cost to repair or replace your vehicle if it’s damaged or stolen. As your car ages and its value decreases, the cost to repair it usually lowers, leading to reduced insurance premiums.

Are newer vehicle models more expensive to insure?

Newer vehicle models usually cost more to insure because their high-tech components – such as collision-avoidance systems or blind-spot detection – are more expensive to replace and install. Insurance companies take these factors into account when calculating premiums.

How do the safety ratings of my car’s make and model affect my insurance rates?

Your car’s safety ratings significantly influence your insurance rates. Vehicles with high safety ratings, awarded by organizations like the IIHS (Insurance Institute for Highway Safety) or NHTSA (National Highway Traffic Safety Administration), are considered safer and less likely to result in costly claims. Therefore, insurers typically offer lower premiums for vehicles that score high in crash tests and have advanced safety features.

Methodology

Insure.com commissioned Quadrant Information Services to get car insurance rates for various makes and models in 2025. The rates are based on the sample profile of a 40-year-old driver with a clean record and good insurance score. To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.