How much used car insurance costs: Most and least expensive models to insure

Average used car insurance rates by model

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Acura Integra

Nationwide

Vehicle details

Vehicle year 2024

Style 2WD 4 Door Hatchback Automatic Turbo

State Nationwide

Cylinders 4

Make & model Acura - Integra

Vehicle type Luxury Car

Your estimated rate

State Minimum NA^*/year

Liability coverage $979/year

Full Coverage $2,542/year

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Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

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.

Rates for vehicles up until 2021 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 100/300 is rates the same hypothetical driver 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. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

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Average used car insurance cost by state

Where you live can significantly impact how much you pay for car insurance. Larger states with more drivers on the road tend to have higher rates than states with fewer drivers. 

Insurance rates can differ by hundreds of dollars depending on where you live. Below, you’ll find the average cost of used car insurance in each state.

Most expensive used cars to insure

Some used vehicles — especially luxury and high-performance models — can be extremely costly to insure due to their repair costs, technology, and overall value. 

The top three most expensive used cars to insure are the Maserati Quattroporte GT (2023) at $6,811, the Audi R8 (2023) at $6,152, and the Lucid Air (2022) at $5,797, based on full coverage with 100/300/50 liability limits, comprehensive and collision, and a $500 deductible.

The chart below highlights how these models compare to other high-cost used cars when it comes to insurance rates.

Cheapest used cars to insure

If you’re looking to keep insurance costs low, choosing the right used car can make a big difference. The most affordable models to insure include the Subaru Outback (2014) at $1,521, the Mazda MX-5 Miata (2014) at $1,522, and the Honda CR-V (2014) at $1,527 per year.

These rates are based on full coverage with 100/300/50 liability limits, plus comprehensive and collision coverage with a $500 deductible.

The chart below shows how these budget-friendly vehicles compare to other low-cost options for used car insurance.

Average insurance costs for 5-year-old used cars

Five-year-old vehicles often strike a balance between modern features and lower ownership costs — including cheaper insurance. Because these cars have already depreciated, they’re generally less expensive to insure than newer models.

For example, full coverage for a 2020 Mazda CX-3 averages $1,796 per year. Below are estimated annual insurance rates for other popular 5-year-old models:

Average insurance costs for 10-year-old used cars

Ten-year-old vehicles are typically among the most affordable to insure, thanks to their lower market value and repair costs. While they may lack some of the latest technology, they still offer solid reliability at a reduced premium.

For instance, full coverage for a 2015 Honda CR-V averages just $1,577 per year. The table below shows estimated insurance rates for other popular 10-year-old models:

How used car insurance rates have changed over time

Used car insurance rates have climbed sharply in recent years, driven by rising repair costs, higher vehicle values, and broader inflation in the auto industry. The table below compares full coverage insurance rates for popular vehicles from 2014 to 2024, showing how costs have risen across both sedans and SUVs:

Our advice: Best tips for getting insurance on a used car

When deciding how to get insurance on a used car, take the time to do your research. Don’t forget to factor the cost of car insurance into your overall budget so you can be sure you can afford to insure it after you purchase it. Insurance companies offer different discounts and devise rates in different ways, so you’ll want to get at least three quotes to get the best deal.

Samuel Green, founder and CEO of BLUE Insurance, offers his advice based on his 15 years of experience. “Get some ballpark estimates based on your age, driving history, and details of the specific used vehicle,” he says. 

“This helps set realistic budget expectations and expedites the application process, avoiding short-term uninsured driving. Used cars can actually open up discount opportunities you might miss on newer models. Also, ask agents about savings for multi-car policies, safety features like airbags, and low mileage — items more likely on pre-owned vehicles,” he adds.

How much car insurance do I need for a used car?

Before you drive off in your “new” used car, you’ll need to secure auto insurance. That could mean shopping for a new policy or checking with your current insurer for updated rates.

Used car insurance includes the same coverage options as insurance for new vehicles:

• Liability coverage. Required in most states, this covers injuries and property damage you cause in an accident. It includes both bodily injury and property damage liability. We recommend at least $100,000 coverage for bodily injury per person, $300,000 coverage for bodily injury per accident and $100,000 property damage for your vehicle.
• Collision coverage – Pays for damage to your car if you hit another vehicle or object.
• Comprehensive coverage – Covers non-collision damage such as theft, fire, vandalism, animal strikes, or weather-related events.
• Full coverage – A combination of liability, collision, and comprehensive coverage.
• Gap insurance – Recommended if you financed your car. It covers the difference between your loan balance and the car’s actual value if it’s totaled.

Full coverage may not be necessary for older or lower-value cars, but if your vehicle is newer, high-value, or financed, it’s often worth the added protection.

How soon do you need insurance after buying a used car?

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 a vehicle purchase. 

“In most places, you need proof of insurance before driving away with a used car, whether from a dealership or a private seller,” says Eliezer Zupnick, insurance advisor and founder of East Insurance Group, a leading commercial insurance firm. 

“However, depending on your existing insurance policy and your state’s regulations, you may have a grace period – typically seven to 30 days – to add the used car to your existing policy. It’s always best to check with your insurance company and your state’s Department of Motor Vehicles, DMV,  for the exact timeframe and requirements.”

Also, be sure to make it clear if you are replacing a vehicle on your policy or adding an additional car to it – that can make a difference if there is immediate coverage with your current policy.

If you don’t have an auto insurance policy already, shop around and be ready to finalize and buy it when you purchase the car.

How to get insurance before buying a used car 

You’ll need proof of insurance before you can legally drive your used car home—whether you’re buying from a dealership or a private seller. To avoid delays or coverage gaps, it’s smart to arrange insurance in advance. Here’s how to do it:

• Gather vehicle details. If you’ve already picked out a used car, get the VIN (vehicle identification number), make, model, year, and mileage. If you’re still shopping, your insurer may offer a temporary quote based on the type of vehicle you’re considering.
• Get quotes from multiple insurers. Compare rates from several companies to find the best deal. Used cars often cost less to insure than new ones, but rates still vary widely depending on the vehicle, your driving record, and your location.
• Choose your coverage.  Decide whether you want liability-only or full coverage. If the car is financed, your lender will likely require full coverage. You may also want to consider gap insurance and roadside assistance.
• Start the policy to begin on purchase day. Once you’ve finalized the sale date, let your insurer know so the policy can start as soon as you take ownership. You’ll receive a digital or printed proof of insurance, which is required in most states before you can drive off.
• Update your insurer if anything changes. If you end up choosing a different car than originally planned, be sure to provide updated details right away so your coverage matches the vehicle you actually bought.

Planning ahead ensures you’re fully protected the moment you leave with your used car—and helps you avoid any legal or financial trouble on the road.

Factors that affect used car insurance rates

The cost of insuring a used car depends on more than just its age. Insurers consider both vehicle-related factors and personal factors when calculating your premium. Here’s what makes the biggest impact:

Vehicle-related factors

• Vehicle value. Whether the car is new or used, its market value heavily influences your premium. Higher-value cars cost more to insure because insurers may have to pay more for repairs or a total loss.
• Repair costs and parts availability. Cars with expensive technology or rare parts are more costly to fix. A new car with advanced tech may raise premiums, but even an older car can be pricey to insure if repairs require specialized labor or hard-to-find parts.
• Claims history for the model. Insurers track how often certain cars are involved in claims. Vehicles with a high theft rate or frequent accident payouts will cost more to insure.
• Type of vehicle. Sports cars and high-performance models typically come with higher premiums than sedans, SUVs, or minivans because they are associated with higher speeds and riskier driving behavior.

Personal rating factors

It’s not just the car that matters — your profile as a driver also affects your rate. You may see lower premiums if you have:

• A clean driving record
• A strong credit score
• Several years of driving experience
• Low annual mileage (typically under 10,000 miles)
• Continuous insurance coverage (if you’re without a car temporarily, consider a non-owner policy to avoid a gap)

Other factors like age, gender, marital status, and location also play a role.

How to lower your car insurance costs 

There are a few things you can do to get cheaper car insurance. 

• Increase your deductible. You could save money if you raise your deductible. This means that you assume a higher portion of the responsibility should you have to file a claim.
• Utilize discounts. Ask about car insurance discounts for your used car. Many car insurance companies offer discounts for things like paperless statements, paid-in-full policies and loyalty rewards. Student and homeowner discounts are also common.
• Take a training course. Many insurers will give you a discount if you successfully complete a driver improvement course. Sign up for an upcoming class and watch the savings roll in.
• Compare quotes. Be sure to shop around and compare quotes from multiple car insurance companies, as rates can vary significantly from one insurer to another.

Are used cars cheaper to insure than new cars?

In most cases, yes — used cars cost less to insure than their brand-new counterparts, even when it’s the same make and model. That’s because used vehicles generally have a lower market value, which makes them less expensive to repair or replace.

For example, a full coverage policy for a 2024 Honda Civic averages $191 per month, while a 2014 Honda Civic comes in at just $142 per month — a savings of nearly 26%.

Newer cars may also come with advanced safety and tech features that are more expensive to fix after an accident, which can drive premiums even higher. With used cars, simpler systems and lower replacement costs help keep insurance more affordable.

What our expert says

Q: Do you need insurance before you drive a used car?

Eliezer ZupnickInsurance advisor and founder of East Insurance Group.

"In most places, you need proof of insurance before driving away with a used car, whether from a dealership or a private seller. However, depending on your existing insurance policy and your state's regulations, you may have a grace period – typically seven to 30 days – to add the used car to your existing policy. It's always best to check with your insurance company and your state's Department of Motor Vehicles, DMV, for the exact timeframe and requirements."

Methodology

Insure.com commissioned Quadrant Information Services to provide a report of average auto insurance rates in 2023 for over 2,500 models. Sample driver is a 40-year-old male who drives 12 miles to work and is buying full coverage. Rates are an average of prices offered by seven insurance companies: Allstate, AmTrust, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates are for 10 zip codes per state.

Lena Borrelli

Contributing Researcher

 

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Insurance expert Lena Borrelli is a freelance writer specializing in personal finance, insurance and business management. She creates clear, actionable content that helps readers make smart financial decisions—from choosing the right car insurance to managing everyday expenses.