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Buying and insuring a used car: Most and least expensive 2006 to 2017 models to insure

To get average car insurance rates for 4,500 used car models from 2006 to 2017, enter your information in the tool below. You'll see how much you can expect to pay for coverage, and compare up to 10 different vehicles at once.

 

Guide to buying and insuring a used car

Tips for buying a used car

Researching a used car’s history

Used car inspection

Budget for used car insurance premiums

Most and least expensive used cars to insure

Average used car rates by year

How much car insurance coverage does a used car need?

How much liability coverage?

How much comprehensive and collision coverage?

Insure before you drive

Shop for the best rates

Rating factors

 

Your guide on how to buy and insure a used car

Used car bought by womanIn this guide, we'll explore what steps you need to take when buying a used car, how much auto insurance you should buy and how to make sure you leave the lot with insurance coverage in place.

Buying a used car can save you money on both the purchase and auto insurance, but you need to make sure you do your homework and find the right car insurance protection for you, your vehicle and your situation.

There are benefits of buying a used car: the car's value has already depreciated so you won't pay as much as a new car and you may have more wiggle room to negotiate a sales price for a used car.

The downsides of getting a used car: most states don't have the same "lemon law" consumer protections as for new cars, you'll need to take extra steps to review the vehicle's history, and you might not be able to find exactly the vehicle you want in the right color with all of the right features at the right price.

In this guide, we'll explore what steps you need to take when buying a used car, what auto insurance you should buy and how to make sure you leave the lot with the right insurance coverage.

Tips for buying a used car

Buying a used car takes homework, research and persistence -- whether it's your first car or next car and whether it's a clunker or a recent model year.

There are many similarities between buying a new car or a used car, but there are a few ways that car shopping is different:

  • You'll need to cast a wider net to find vehicles. When you shop for a new car, you can usually list what you want to the dealership. The dealer can then search for the make, model, color, and features, and usually finds the right car for you. Buying a used car isn't that easy and usually means searching databases, online forums and local car lots to find what you want.
  • You'll need to research more. A new car doesn't have a past. A used car may look shiny on the outside, but you may not know that it's been completely repaired after a major accident. You'll need to check the vehicle's history to make sure there aren't any red flags. On the plus side, you're able to read reviews from other drivers, know other issues about the vehicle type and see the car's safety ratings and recalls.
  • You have more wiggle room to barter price. You may be able to knock down the price further when you buy a used car. A new car dealership may not be able to give you the price that you want on a new vehicle, but a used car dealer might be able to shave more money off.

 

Researching a used car’s history

You don't know a car's past by looking at it, but the good news is there is a way to explore its history. You can research a specific used car's history by running the vehicle identification number (VIN). If you're interested in a used car, you should run the VIN before starting any serious negotiations with the car dealer. The last thing you want is to jump to an agreement and then find out at the last minute about a problematic vehicle report -- or even worse find out after you've driven the car off the lot.

You can use the VIN to check the National Motor Vehicle Title Information System (NMVTIS), which was created and overseen by the U.S. Department of Justice (DOJ) to stop the concealment of flood damage and other vehicle histories. It is meant to help protect you from unsafe vehicles being resold and title fraud (saying clean title when has been in flood, etc.).  It is the only national database that all insurance companies, salvage auctions, junk yards and auto recyclers are required by federal law to report loss and junk/salvage vehicle.

A NMVTIS report must be purchased from an approved NMVTIS provider.  It will provide you with information on five key indicators: 

  • title information
  • brand history
  • odometer reading
  • total loss history 
  • salvage history

Another federal agency, the National Insurance Crime Bureau (NICB), maintains a database called VINCheck that allows consumers to input a VIN to check for a stolen or salvage vehicle. This database, however, is not comprehensive as it only gets reports from vehicles that were insured by participating companies. The VinCheck is free to consumers and you can do a maximum of five searches within a 24-hour period.

You can also purchase a comprehensive vehicle history report, which will tell you a vehicle's accident history, previous owners, correct odometer mileage, major repairs and warranties on the vehicle.  A few companies that offer vehicle history reports include:

 

This report also tells you the vehicle's "lemon" status. Federal lemon laws cover new cars, but they can also cover used cars if the vehicle is still under warranty. This is often the case when a dealership certifies a used vehicle. Also, a few states, including Massachusetts, Connecticut, New Jersey, New Mexico, New York and Minnesota, have stricter lemon laws for used cars, which can require dealers to offer warranties and take back vehicles that have problems.

If you are working with a major car dealership or car-selling site, most will offer to provide you with a vehicle history for free. It costs to get the report if you order it yourself and keep in mind if you will need to check more than one VIN as you are shopping for a used car, you should purchase a package where you can run multiple VINs. If you’re shopping with private-party sellers, it’s worth the expense (running typically from $25 to $100) to get the history of a car.

 

Doing a proper used car inspection

You'll also want to give the vehicle a close inspection. You don't need to be a car enthusiast to give the vehicle a once over. Here's what to look for:

  • Dents and rust.
  • Wear and tear on tires.
  • Interior damage.
  • Heat and air conditioning issues.
  • Radio, power seats, power windows, etc. problems.


Something you may not think of is flood damage. You'll want to check the interior and exterior for any flood-related damage. Look for rust on the inside of the vehicle and water damage to the upholstery.

In addition to visually inspecting the car yourself, it’s recommended by experts that you take the time, and money, to get a trusted mechanic to give the car a full review before buying it.

Including used car insurance cost in your buying budget

While you’re researching cars to buy, don’t forget to take into account the cost of insurance so you can be sure you can afford to insure it after you purchase it. Used cars are typically cheaper to insure than new ones, but not always, so don’t guess. Our used vehicle insurance rates tool gives you an average cost, so you don’t have to call or go online to get a quote for every car you see in your car search. Doing this as you decide what used vehicle you want to buy will help you make sure the cost of insurance and the car are within your budget.

Most and least expensive used cars to insure

Cheapest used cars to insure 
YearMakeModelAverage annual rate
2006HondaOdyssey LX$922
2006ChryslerTown & Country$923
2006DodgeCaravan SE$925
2007HondaOdyssey LX$936
2007DodgeCaravan SE$937
2007ChryslerTown & Country$944
2008HondaOdyssey LX$952
2006FordEscape XLS$956
2006JeepWrangler SE$957
2006FordEscape XLS$958
Priciest used cars to insure
YearMakeModelAverage annual rate
2017MercedesS65 AMG$3,890
2017DodgeGTS Viper$3,779
2017MercedesS63 AMG$3,624
2017

Maserati

Quattroporte GTS

$3,547
2017MercedesS550$3,502
2017Mercedes

C43

$3,418
2017MercedesMaybach S600$3,355
2017MercedesSL65 AMG$3,344
2017NissanGT-R Nismo$3,313
2017AudiR8 5.2L V10 Quattro$3,267

Our tool gives you an estimate of what auto insurance costs you’ll pay for the used car models you are shopping for. After you have narrowed down your choice it’s wise to get the VIN for vehicle(s) that are still in the running for you to buy and get personalized insurance quotes to see which vehicle will be more economical to insure. Why does this matter? You could pay hundreds or even thousands more depending on the vehicle. Once you decide on the car to buy, you can give that VIN to multiple insurers to see which offers the lowest quote.

To get average used car insurance rates, use our tool below. 

Which used cars are cheapest to insure?

You'll also see in the chart below the most and least expensive used cars to insure for 2006 to 2017 model years. Enter a year between 2006 and 2016 in the search field to see the rankings.

Average used car insurance rates by year for 2006 to 2017

Year

MakeModelAverage annual rate
2006 Least expensive used car rates
2006HondaOdyssey LX$922
2006ChryslerTown & Country$923
2006DodgeCaravan SE$925
2006DodgeGrand Caravan SE$955
2006FordEscape XLS$956
2006JeepWrangler SE$957
2006FordEscape XLS$958
2006SaturnVue$959
2006ChevroletExpress G1500$959
2006HyundaiTucson GL$963
2006ToyotaSienna CE$964
2006ChevroletExpress G1500 LS$965
2006 Most expensive used car rates
2006MercedesS65 AMG$2,141
2006MercedesSL65 AMG$2,016
2006MercedesS600$1,906
2006AudiA8 L Quattro$1,893
2006MercedesCL500$1,814
2006JaguarXKR Victory Limited$1,768
2006MercedesSL500$1,704
2006MercedesG55 AMG Grand Edit AWD$1,703
2006Porsche911 Carrera 4S$1,678
2006MercedesS500 AWD$1,653
2006Land RoverRange Rover Westminster$1,651
2006JaguarXK8 Victory Limited$1,632
2007 Least expensive used car rates
2007HondaOdyssey LX$936
2007DodgeCaravan SE$937
2007ChryslerTown & Country$944
2007FordEscape XLS$965
2007JeepWrangler X$966
2007JeepCompass Sport$967
2007HyundaiTucson GLS$972
2007FordEscape XLS$972
2007SaturnVue$972
2007ChevroletExpress G1500$978
2007 Most expensive used car rates
2007MercedesS65 AMG$2,274
2007MercedesSL65 AMG$2,073
2007MercedesS600$2,010
2007MercedesCLS63 AMG$1,944
2007Porsche911 GT3$1,923
2007AudiA8 L Quattro$1,919
2007JaguarXKR$1,847
2007MercedesS550 4MATIC AWD$1,788
2007MercedesSL550$1,757
2007Porsche911 Carrera 4S$1,748
2008 Least expensive used car rates
2008HondaOdyssey LX$952
2008JeepWrangler X$966
2008FordEscape XLS$986
2008ChryslerTown & Country LX$988
2008JeepPatriot Sport$990
2008ChevroletExpress G1500$991
2008HyundaiTucson GLS$997
2008HondaCR-V LX$998
2008ChryslerTown & Country LX$1,001
2008DodgeGrand Caravan SE$1,001
2008ToyotaSienna CE$1,003
2008 Most expensive used car rates
2008MercedesS65 AMG$2,348
2008MercedesSL65 AMG$2,187
2008Porsche911 GT2$2,108
2008Porsche911 GT3 RS$2,096
2008MercedesS600$2,092
2008MercedesS63 AMG$2,084
2008JaguarXKR Portfolio$2,026
2008MercedesCLS63 AMG$1,996
2008Porsche911 Turbo$1,993
2008MercedesSL550$1,856
2009 Least expensive used car rates
2009JeepWrangler X$980
2009HondaOdyssey LX$986
2009FordEscape XLS$1,001
2009SubaruOutback AWD$1,016
2009JeepPatriot Sport Off Road$1,020
2009VolkswagenRoutan SE$1,023
2009HyundaiTucson GLS$1,023
2009SubaruOutback L.L. Bean AWD$1,025
2009ChryslerTown & Country LX$1,026
2009ChevroletExpress G1500$1,026
2009HyundaiSanta Fe GLS$1,028
2009 Most expensive used car rates
2009MercedesS65 AMG$2,421
2009MercedesSL65 AMG$2,272
2009MercedesSL63 AMG$2,252
2009Porsche911 Carrera GT2$2,218
2009MercedesS63 AMG$2,153
2009MercedesS600$2,149
2009MercedesCLS63 AMG$2,140
2009AudiA8 L Quattro$2,097
2009JaguarXKR Portfolio SC$2,076
2009ChevroletCorvette ZR1$1,992
2009NissanGT-R$1,983
2010 Least expensive used car rates
2010JeepWrangler X$1,000
2010HondaOdyssey LX$1,009
2010FordEscape XLS$1,031
2010FordEscape XLT$1,036
2010VolkswagenRoutan S$1,037
2010HondaCR-V LX$1,043
2010DodgeGrand Caravan Hero$1,044
2010ChryslerTown & Country LX$1,045
2010JeepPatriot Sport Off Road$1,046
2010ToyotaTacoma$1,048
2010 Most expensive used car rates
2010MercedesS65 AMG$2,485
2010Porsche911 Carrera GT3 RS$2,308
2010NissanGT-R$2,242
2010MercedesS63 AMG$2,242
2010MercedesCLS63 AMG$2,229
2010MercedesS600 BI-T Turbo$2,216
2010JaguarXKR Portfolio SC$2,176
2010PorschePanamera Turbo$2,104
2010AudiA8 L Quattro$2,082
2010MercedesS550 4Matic AWD$2,081
2010ChevroletCorvette ZR1$2,079
2011 Least expensive used car rates
2011HondaOdyssey LX$1,032
2011VolkswagenRoutan S$1,049
2011FordEscape XLS$1,051
2011DodgeGrand Caravan C/V$1,054
2011JeepWrangler Sport$1,056
2011HondaCR-V LX$1,058
2011JeepPatriot Sport$1,062
2011JeepCompass$1,065
2011ToyotaSienna$1,066
2011ToyotaTacoma$1,066
2011 Most expensive used car rates
2011MercedesS65 AMG$2,867
2011MercedesSL65 AMG$2,678
2011Porsche911 Carrera GT2 RS$2,595
2011MercedesS600 BI-T$2,588
2011MercedesS63 AMG$2,583
2011MercedesSL63 AMG$2,541
2011PorschePanamera Turbo$2,432
2011JaguarXKR Portfolio SC$2,429
2011NissanGT-R$2,355
2011Porsche911 Carrera GT3 RS$2,353
2011MercedesCLS63 AMG$2,345
2012 Least expensive used car rates
2012FordEscape XLS$1,056
2012JeepWrangler Sport$1,063
2012HondaOdyssey LX$1,067
2012JeepPatriot Sport$1,072
2012DodgeGrand Caravan SE$1,073
2012HondaCR-V LX$1,073
2012DodgeGrand Caravan AVP$1,077
2012HyundaiTucson GL$1,078
2012VolkswagenRoutan S$1,083
2012FordTransit$1,084
2012 Most expensive used car rates
2012MercedesS65 AMG$2,984
2012MercedesSL65 AMG$2,760
2012MercedesS600 BI-T$2,678
2012MercedesSL63 AMG$2,660
2012MercedesS63 AMG$2,645
2012JaguarXKR Supercharged$2,562
2012PorschePanamera Turbo S$2,546
2012TeslaModel S Peformance EV$2,545
2012NissanGT-R$2,491
2012AudiA8 L 6.3 Quattro$2,448
2013 Least expensive used car rates
2013HondaOdyssey LX$1,070
2013HondaCR-V LX$1,076
2013JeepPatriot Sport$1,078
2013JeepCompass Sport$1,094
2013HyundaiTucson GL$1,097
2013JeepWrangler Sport$1,097
2013FordEscape S$1,097
2013DodgeGrandCaravan American Pkg$1,098
2013ChevroletExpress G1500$1,107
2013FordF-150 XL$1,112
2013 Most expensive used car rates
2013MercedesS65 AMG$3,070
2013MercedesSL65 AMG$2,881
2013NissanGT-R Black Edition$2,776
2013MercedesS600$2,767
2013MercedesS63 AMG$2,749
2013MercedesSL63 AMG$2,716
2013JaguarXKR Supercharged$2,679
2013PorschePanamera Turbo S$2,637
2013MercedesCLS63 AMG$2,589
2013Porsche911 Turbo S$2,561
2014 Least expensive used car rates
2014HondaOdyssey Lx$1,084
2014JeepPatriot Sport$1,096
2014HondaCR-V LX$1,097
2014JeepPatriot Sport$1,106
2014JeepCompass Sport$1,107
2014DodgeGrand Caravan SE$1,110
2014FordEscape S$1,110
2014JeepWrangler Sport$1,112
2014SubaruOutback 2.5I$1,121
2014NissanXterra X$1,123
2014 Most expensive used car rates
2014MercedesSL65 AMG$2,969
2014JaguarXKR-S$2,933
2014MercedesSL63 AMG$2,920
2014NissanGT-R Black Edition$2,860
2014Porsche911 Turbo S$2,837
2014PorschePanamera Executive$2,761
2014MercedesS63 AMG$2,703
2014AudiA8 L 6.3 Quattro$2,607
2014MercedesCLS63 AMG 4MATIC$2,576
2014BMW750i XDRIVE$2,517
2014MercedesS550 4MATIC AWD$2,514
2015 Least expensive used car rates
2015HondaOdyssey LX$1,098
2015JeepPatriot Sport$1,109
2015HondaCR-V LX$1,112
2015JeepCompass Sport$1,120
2015JeepWrangler Sport$1,124
2015DodgeGrand Caravan AVP$1,127
2015JeepCherokee Sport$1,129
2015FordEscape S$1,129
2015MazdaCX-5 Sport$1,131
2015NissanXterra X$1,133
2015BuickEncore$1,136
2015 Most expensive used car rates
2015MercedesSL65 AMG$3,035
2015NissanGT-R Nismo$3,027
2015NissanGT-R Black Edition$2,975
2015MercedesS65 AMG$2,954
2015JaguarXKR-S$2,927
2015MercedesSL63 AMG$2,925
2015PorschePanamera Tbo S Executive$2,866
2015Porsche911 Turbo S$2,853
2015MercedesS600$2,795
2015MercedesS63 AMG$2,773
2015AudiA8 L 6.3 Quattro$2,678
2015MercedesCLS63 AMG 4MATIC S$2,618
2015MercedesS550 4MATIC AWD$2,613
2015BMWAlpina B6 XDrive$2,585
2016 Least expensive used car rates
2016HondaOdyssey LX$1,113
2016HondaCR-V LX$1,170
2016DodgeGrand Caravan AVP$1,174
2016JeepPatriot Sport$1,180
2016JeepWrangler Sport$1,181
2016JeepCompass Sport$1,190
2016FordEscape S$1,194
2016BuickEncore Sport Tour$1,200
2016JeepCherokee Sport$1,203
2016NissanFrontier S$1,204
2016NissanXterra X$1,211
2016MazdaCX-5 Sport$1,211
2016SubaruOutback 2.5I$1,217
2016ChevroletColorado$1,223
2016HondaPilot LX$1,226
2016HyundaiTucson SE$1,227
2016ChryslerTown & Country LX$1,228
2016 Most expensive used car rates
2016DodgeGT Viper$4,048
2016MercedesSL65 AMG$3,797
2016MercedesS65 AMG$3,684
2016MercedesS600 BI-T$3,539
2016MercedesS63 AMG 4Matic$3,513
2016PorschePanamera S Executive$3,484
2016NissanGT-R Nismo$3,476
2016MercedesSL63 AMG$3,400
2016BMWM6 Gran Coupe$3,309
2016Land RoverRange Rover SC AUTOBIO$3,245
2016AudiRS7 Quattro Prestige$3,229
2016Porsche911 Carrera GT3 RS$3,212
2017 Least expensive models to insure
2017HondaOdyssey LX$1,112
2017JeepRenegade Sport$1,138
2017JeepWrangler Black Bear$1,148
2017HondaCR-V LX$1,170
2017JeepCompass$1,183
2017SubaruOutback 2.5l$1,187
2017JeepCherokee Sport$1,188
2017BuickEncore (tie)$1,190
2017JeepPatriot Sport (tie)$1,190
2017SubaruForester 2.5l$1,196
2017 Most expensive models to insure
2017

Mercedes

S65 AMG$3,835
2017DodgeGTS Viper$3,779
2017MercedesS63 AMG$3,624
2017MaseratiQuattroporte GTS$3,547
2017MercedesS550$3,502
2017MercedesC43$3,418
2017MercedesMaybach S600$3,355
2017MercedesSL65 AMG$3.322
2017NissanGT-R Nismo$3,313
2017AudiR8 5.2L V10 Quattro$3,267

How much auto insurance coverage to buy for your used car

Before getting quotes, map out what levels of comprehensive, collision and liability insurance you want.

Remember to be sure you compare rates for the exact same coverage levels -- an apples to apples comparison -- as you shop around. 

The level of insurance you need for your used car depends on your vehicle and situation. For instance, an older car may not need as much insurance as a one-year-old car.

One caveat: Insurance companies take an entire model’s claims history when devising rates. This means you will likely pay higher auto insurance rates regardless of your driving record if your car's model is often stolen, gets into many accidents or its drivers receive many tickets.

When choosing auto insurance, the first thing you need to decide is how much liability insurance to get.

How much liability insurance you need

Liability insurance covers injuries to people in another vehicle or property if you’ree legally liable for an auto accident. Every state except New Hampshire requires at least a minimum level of liability insurance.

Liability insurance protects you and your assets in case of an accident. A used car can do as much damage to people and property as a new car so getting the right level of liability insurance is important.

Liability coverage is broken into two types: bodily injury and property damage. Though state minimums are much less, experts say you should get at least:

  • $100,000 coverage for bodily injury per person
  • $300,000 coverage for bodily injury per accident
  • $100,000 property damage for your vehicle

The higher the coverage the better since if your limits are exceeded you’ll be personally responsible.

Do you need comprehensive and collision coverage?

Your next task is to decide if you want comprehensive and collision insurance. Collison is what covers you when your car is damaged because of an accident with another vehicle or hit by an object. Comprehensive coverage covers thefts and damage caused by flooding, fire, vandalism and other causes beyond your control. The national average cost for comprehensive insurance is $134, while the average cost for collision coverage is $290, according to the Insurance Information Institute, an industry trade group.

Comprehensive and collision come with a deductible, or, the amount you pay out before your insurance kicks in to pay for repairs when you file a claim. So, that means you also need to think about what level deductible you want to pay. The higher the deductible, the lower the premiums. Auto insurance deductibles are usually between $250 and $1,500.

Whichever deductible you choose, you'll want to have it low enough that you can pay it in case you need to file a claim. Better yet, set aside that amount, so you'll always have it in case you need it. The last thing you need is a car you can’t use because you can’t afford the deductible required to file a claim so it can be fixed.

Some drivers of cars with little value decide to forgo comprehensive and collision insurance. This is especially true for vehicles more than ten years old that lost value. You'll want to run the numbers to see whether that makes sense for your situation. A good rule of thumb is:

  • If your car is less than 10 years old or it is worth more than $3,000, then you should get full coverage.
  • If your car is older and you wouldn’t spend your own money for mechanical repairs, then it may be time to skip comp and collision and instead start saving for a replacement vehicle.

Keep in mind though that thieves steal older vehicles more than newer vehicles, so keeping comprehensive insurance is a good idea unless the car isn't worth much. Some auto insurance companies offer you the option of carrying comprehensive without collision, others require both or neither.

 

Insuring a new, used car before you drive it

You'll need auto insurance before you drive off the lot or away from the curb of a private owner, so it's a good idea to contact your insurance company before making the purchase. That way, you can have that settled before you buy the car and then potentially forget and get into trouble with your insurance company – and finance company if you financed your used vehicle. You don’t want the finance company placing “forced” insurance on your vehicle at a very high cost. And make it clear if you are replacing a vehicle on your policy or adding an additional car to it, as that can make a difference on if there is immediate coverage with your current policy.

If you already own a vehicle, generally you can transfer your insurance to your new vehicle for at least a few days. It depends on your insurance company's policy and state laws on if there is coverage you’re your current policy and if so how soon you need a new insurance policy for your “new” car.

If you buy a vehicle over the weekend, you'll want to contact your insurance company before making the purchase.

If buying a vehicle from a private party and you’ll be making payments to the seller, to insure the car you will need to title it in your name. You need the seller to sign over the title to you and then put himself on the title as a lienholder, this allows you to title and insure the car and him to protect himself that you’ll pay for the car – or he can take legal action.

Don’t put your auto insurance on cruise control: Shop for the best rates

Whether you a buy a new or used car, shop around for car insurance at least every three years.

Insurance companies offer different discounts and devise rates in different ways, so you'll want to get at least three quotes to get the right deal for you. 

The rating factors that go into a used car are the same as a new car. The reason insurance costs generally are cheaper for used car is that the cost to replace it under your collision or comprehensive coverage is less.  Or if your car is fairly old, you may decide that comprehensive and collision aren’t needed so that reduces your overall premium paid.

Rating factors: VehicleValue, Repair, Claims & Type

Value - Whether new or used, the value of the vehicle is a big deal to insurers for your collision and comprehensive costs, since they may need to pay to replace it if ever is a total loss. 

Repairs – The cost of repairs is also looked at, so a used car with expensive newer tech will cost you more to insure than an older car with little or no tech. An old car that has hard to find parts and needs a specialist to repair it will again cost more to insure, maybe even more than a new car that has parts and repair specialists easily available. The more an insurer may have to pay out for repairs, the more you’ll pay in premiums.

Claims history for vehicle – If your insurance company has historically paid out a lot of claims for your model vehicle, it will cost more to insure. For instance, if your model vehicle is stolen more frequently you’ll normally pay more than a vehicle that is not as popular with thieves.

Type of vehicle – Same as with new vehicles, if the vehicle is a sports car it will normally cost more to insure than a minivan. If insurance companies find that certain cars are notorious for being driven fast and others slow and the claims and accident data agrees, those vehicles will cost more to insure.

Other rating factors – non-vehicle:

When looking for a used vehicle remember it’s not just the vehicle that insurance companies care about and rate you on.  Your will get better rates with:

  • A good driving record
  • Good credit score
  • Driving experience (the more years licensed the better)
  • Driving 10,000 or less miles per year
  • Having previous insurance coverage (a gap in coverage is not desirable, so if without a car for a few months, get a non-owner auto insurance policy)

Other factors looked at (where allowable) are age, marital status, gender and your location.

Though the price is important, there is more to auto insurance than getting the cheapest rates. Make sure you get quotes with the same level of coverage so you can get accurate, comparable quotes from each insurance company. You'll also want to read consumer reviews of the best car insurance companies to make sure you're choosing one with stellar customer and claims service.

Once you have the price and you've researched the company, you're ready to choose the right auto insurance for your used car.

 

Methodology:


Full coverage is recommended for vehicles 2011 or newer, so only full coverage (comp and collision plus liability) rates are shown.

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles 2006 to 2017. For 2011-2017 we recommend full coverage and have only full coverage rates (liability and other state required coverages plus collision and comprehensive), for 2006-2010 year vehicles we show both liability only and full coverage rates, as owners of older cars may want to drop comp and collision.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, 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 coverage. The rate also includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability only rates the same hypothetical driver is used but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm, in 10 ZIP codes per state.

Average rates are for comparative purposes; your rate will depend on your personal factors.

 

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