Car Insurance Car insurance estimate by model 2025 The vehicle model you choose influences how much you pay for car insurance. By learning how different models impact insurance costs, you can choose a vehicle that fits your needs and budget. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: July 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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-Series2024$2,481$207Chevrolet Silverado2024$2,413$201Toyota RAV42024$2,159$180Tesla Model Y2024$3,529$294Honda CR-V2024$1,932$161Ram Pickups(1500, 1500 Classic, 1500 TRX)2024$2,537$211GMC Sierra2024$2,590$216Toyota Camry2024$2,400$200Nissan Rogue2024$2,314$193Honda Civic2024$2,300$192Chevrolet Equinox2024$2,090$174Toyota Corolla2024$2,399$200Jeep Grand Cherokee2024$2,371$198Hyundai Tucson2024$2,130$178Chevrolet Trax2024$2,102$175Ford Explorer2024$2,357$196Toyota Tacoma2024$2,345$195Subaru Crosstrek2024$2,064$172Subaru Forester2024$2,013$168Subaru Outback2024$2,042$170Honda Accord2024$2,342$195Kia Sportage2024$2,110$176Toyota Tundra2024$2,493$208Ford Transit2024$2,298$192Nissan Sentra2024$2,350$196 Vehicle Make Select Make Vehicle Model Select Model State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Vehicle already present. Please select a different vehicle. Add Car Reset OR Vehicle Type Vehicle types Convertible Electric Hatchback Hybrid Luxury Car Luxury SUV Minivan Performance SUV Sedan Sports Car Station Wagon SUV Truck Van All Vehicles Sample car insurance estimates Sort by Premium Low to High High to Low Add Car Add a vehicle to Compare!!! Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + 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-SeriesGEICO$2,061$172Chevrolet SilveradoNationwide$1,888$157Toyota RAV4State Farm$1,750$146Tesla Model YNationwide$2,599$217Honda CR-VNationwide$1,402$117Ram Pickups(1500, 1500 Classic, 1500 TRX)GEICO$2,077$173GMC SierraNationwide$2,042$170Toyota CamryGEICO$1,910$159Nissan RogueState Farm$1,895$158Honda CivicGEICO$1,819$152Chevrolet EquinoxNationwide$1,667$139Toyota CorollaGEICO$1,825$152Jeep Grand CherokeeState Farm$1,934$161Hyundai TucsonGEICO$1,744$145Chevrolet TraxGEICO$1,656$138Ford ExplorerNationwide$1,984$165Toyota TacomaProgressive$1,896$158Subaru CrosstrekState Farm$1,659$138Subaru ForesterNationwide$1,444$120Subaru OutbackNationwide$1,448$121Honda AccordNationwide$1,876$156Kia SportageGEICO$1,756$146Toyota TundraNationwide$2,044$170Ford TransitGEICO$1,989$166Nissan SentraGEICO$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. Looking to simplify insurance cost estimation? 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