Rates by make & model
Car Insurance by Vehicle
Your car’s make, model, trim, and year are among the biggest factors in what you pay. Explore illustrative costs and coverage tips by brand.
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Quick answer
Car insurance costs vary widely by vehicle because insurers weigh repair costs, theft rates, safety, and horsepower. Economy sedans and small SUVs are typically cheapest to insure, while luxury, electric, and high-horsepower vehicles cost the most.
Popular makes
Toyota Insurance
Toyota’s reputation for reliability and modest repair costs generally keeps insurance affordable across its lineup.
From $168/mo (illustrative)
Honda Insurance
Honda vehicles are popular, widely serviced, and generally inexpensive to repair, which helps hold premiums down.
From $170/mo (illustrative)
Ford Insurance
From the best-selling F-150 to the Mustang, Ford premiums vary widely by model, trim, and horsepower.
From $176/mo (illustrative)
Chevrolet Insurance
Chevy’s lineup spans economical sedans to high-horsepower trucks and the Corvette, so rates run the full range.
From $178/mo (illustrative)
Tesla Insurance
Teslas carry higher premiums due to expensive parts, specialized repairs, and strong performance.
From $232/mo (illustrative)
Hyundai Insurance
Hyundai pairs value pricing with long warranties; certain models have drawn attention for theft risk in recent years.
From $172/mo (illustrative)
All makes
Choose your vehicle’s brand to see illustrative rates by model and coverage tips.
Browse by vehicle type
- SUVs — SUVs are popular family vehicles; rates depend on size, value, and safety features.
- Trucks — Pickup trucks range from economical to premium; higher-value work trucks cost more to insure.
- Sedans — Sedans are often the most affordable body type to insure, especially economy trims.
- EVs — Electric vehicles carry higher premiums due to battery and specialized repair costs.
How your vehicle affects your rate
Insurers price each vehicle on its cost to repair or replace, its safety and theft record, and the power under the hood. Two drivers with identical profiles can pay very different premiums simply because of the cars they drive. Before you buy, it pays to check insurance costs by model and compare quotes.
Estimated rates for illustration only — not a quote.
Last updated:
Car insurance by vehicle FAQs
In most states, insurers use a credit-based insurance score as one rating factor, so having thin or no credit can lead to higher premiums than a driver with strong credit. California, Hawaii, Massachusetts, and Michigan restrict or ban this practice. Building credit over time can help lower your rate at renewal.
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- Licensed in all 50 states
- No effect on credit score
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