Compare Car Insurance Quotes
Via Forbes Advisor's Partner
Your vehicle plays a role in your car insurance rates, but how much? We looked at average auto insurance rates from the best car insurance companies for more than 50 top-selling vehicles to find the most and least expensive for insurance.
The Least Expensive Cars to Insure
The Honda CR-V, Jeep Wrangler Sport and Subaru Crosstrek are the least expensive cars to insure among popular 2021 vehicle models.
| Vehicle | Average Annual Premium |
|---|---|
|
Honda CR-V LX |
$1,574 |
|
Jeep Wrangler JL Sport |
$1,585 |
|
Subaru Crosstrek |
$1,606 |
|
Subaru Forester 2.5I |
$1,613 |
|
Hyundai Tucson SE |
$1,637 |
|
Jeep Compass Latitude |
$1,645 |
|
Chevrolet Equinox L |
$1,661 |
|
Ford Escape S |
$1,663 |
|
Volkswagen Tiguan SE |
$1,663 |
|
Ford F-150 XL |
$1,672 |
|
Chevrolet Trax LS |
$1,680 |
|
Toyota Tacoma SR |
$1,688 |
|
Toyota RAV4 LE |
$1,704 |
|
Kia Sportage EX |
$1,705 |
|
Dodge Grand Caravan SE |
$1,713 |
|
Ford Edge SE |
$1,722 |
|
Mazda CX-5 Grand Touring |
$1,729 |
|
Chevrolet Traverse LS |
$1,733 |
|
Chevrolet Colorado |
$1,733 |
|
Ford Ranger Lariat |
$1,748 |
|
Toyota Highlander LE |
$1,757 |
|
Nissan Rogue S |
$1,758 |
|
Honda Pilot SE |
$1,762 |
|
GMC Canyon All Terrain |
$1,777 |
|
Subaru Outback 2.4I Limited XT |
$1,789 |
Related: Cheapest Car Insurance Companies
Middle of the Pack: Medium-Expensive Cars to Insure
| Vehicle | Average Annual Premium |
|---|---|
|
Jeep Cherokee Limited |
$1,809 |
|
Chevrolet Blazer 2LT |
$1,811 |
|
Chevrolet Silverado 1500 WT |
$1,813 |
|
Toyota Tundra SR |
$1,818 |
|
Volkswagen Jetta SE |
$1,833 |
|
Honda Civic EX |
$1,838 |
|
Toyota 4Runner Limited |
$1,848 |
|
GMC Sierra 1500 |
$1,851 |
|
Ford Fusion SE |
$1,865 |
|
Chevrolet Malibu L |
$1,882 |
|
Chevrolet Tahoe LS |
$1,883 |
|
Chrysler Pacifica Limited |
$1,891 |
|
Toyota Camry LE |
$1,899 |
|
$1,904 | |
|
Toyota Corolla LE |
$1,909 |
|
Jeep Grand Cherokee Limited |
$1,913 |
|
Ford Explorer ST |
$1,944 |
|
$1,957 | |
|
Kia Forte EX |
$1,964 |
|
Kia Optima LX |
$1,987 |
|
Honda Accord EX-L |
$1,988 |
The Most Expensive Cars to Insure
The Tesla Model S Performance is the most expensive car to insure among top-selling 2021 vehicle models.
| Vehicle | Average Annual Premium |
|---|---|
|
Lexus NX 300h |
$2,014 |
|
Dodge Ram 1500 Rebel |
$2,015 |
|
Lexus RX 350 |
$2,105 |
|
Nissan Altima 2.0 S |
$2,130 |
|
Tesla Model 3 Standard Plus |
$2,447 |
|
Volvo XC90 T8 Inscription |
$2,456 |
|
Lexus ES 300H |
$2,485 |
|
Tesla Model S Performance |
$3,960 |
Related: Best Luxury Car Insurance Companies
What Makes a Vehicle Expensive to Insure?
What you pay for car insurance is partially based on the vehicle you’re insuring. This factors in claims that have been paid for similar models. For example, if your car insurance company has paid high liability auto insurance claims for your specific model for injuries to others, this can affect your car insurance rate.
High repair costs for a vehicle also make it more expensive to insure. For example, cars with advanced safety equipment like parking assist and lane departure warnings can increase repair costs because the equipment is more expensive to repair or replace.
If you buy collision and comprehensive insurance, past claims for similar models will also affect this portion of your bill. This includes the value of the vehicle. For example, if your car is totaled by a falling tree, you can make a comprehensive insurance claim. Your insurance company will pay the value of the vehicle at the time of the tree incident, minus your deductible. So expensive vehicles will have more expensive rates for collision and comprehensive insurance.
Related: Best car insurance companies
What Affects Car Insurance Cost?
Your vehicle is just one element in the car insurance cost equation. Other factors can affect your car insurance rates more than the vehicle, such as your driving record and even credit. These are common factors in car insurance rates:
- Driving record
- Location (called the garaging address)
- Use of vehicle, such as personal or business
- Mileage
- Credit-based insurance score
- Your past claims
- Any recent lapse in auto insurance coverage
- Vehicle
- Auto insurance coverage chosen
Methodology
To find the cheapest vehicles to insure, we used rates from Quadrant Information Services, a provider of insurance data and analytics, and the top-selling 2021 vehicle models. Rates are based on a female driver with a clean record with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and comprehensive with a $500 deductible.
