Car Insurance Cost by Make and Model
Estimated full-coverage premiums for every make and model in our database, built from HLDI insurance-loss data, NHTSA vehicle data and NAIC average premiums. The average vehicle is about $1,590 a year for a driver in their 30s with a clean record.
Most-searched models
| Model | Segment | HLDI collision | Est. full / yr |
|---|---|---|---|
| Honda CR-V | Small SUV | 63 | $1,200 |
| Subaru Outback | Wagon | 63 | $1,190 |
| Tesla Model 3 | Midsize car | 133 | $1,670 |
| Subaru Forester | Small SUV | 64 | $1,140 |
| Honda Civic | Compact car | 121 | $1,790 |
| Toyota Corolla | Compact car | 102 | $1,705 |
| Jeep Wrangler | Midsize SUV | 47 | $1,355 |
| Mazda CX-5 | Small SUV | 80 | $1,325 |
| MINI Cooper | Subcompact car | 70 | $1,210 |
| Tesla Model Y | Midsize SUV | 118 | $1,505 |
| Mazda MX-5 Miata | Sports car | 83 | $1,280 |
| Lexus IS | Luxury car | 158 | $1,835 |
| Toyota Tacoma | Pickup truck | 87 | $1,375 |
| Toyota Camry | Midsize car | 119 | $1,735 |
| GMC Terrain | Small SUV | 85 | $1,480 |
| Dodge Charger | Full-size car | — | $1,635 |
| Ford F-150 | Pickup truck | 92 | $1,580 |
| Honda Accord | Midsize car | 109 | $1,680 |
| Kia Forte | Compact car | 128 | $1,955 |
| Toyota Prius | Compact car | 118 | $1,595 |
| Hyundai Sonata | Midsize car | 136 | $1,890 |
| Nissan Altima | Midsize car | 135 | $1,995 |
| Hyundai Elantra | Compact car | 134 | $1,895 |
| Ford Escape | Small SUV | 95 | $1,625 |
| Subaru Crosstrek | Small SUV | 63 | $1,175 |
| Ford Expedition | Large SUV | 92 | $1,370 |
| Nissan Rogue | Small SUV | 82 | $1,430 |
| Kia Soul | Compact car | 83 | $1,595 |
| BMW X3 | Luxury SUV | 108 | $1,565 |
| Nissan Murano | Midsize SUV | 90 | $1,465 |
| Nissan Leaf | Compact car | 96 | $1,465 |
| Dodge Challenger | Sports car | — | $1,705 |
| Tesla Model X | Large SUV | 218 | $2,105 |
| Volkswagen Golf | Compact car | — | $1,365 |
| BMW X5 | Luxury SUV | 120 | $1,690 |
| Porsche 911 | Luxury sports car | 198 | $1,750 |
| Nissan Juke | Small SUV | — | $1,195 |
| Audi Q7 | Luxury SUV | 123 | $1,570 |
| Ford Mustang | Sports car | 184 | $1,865 |
| Lexus ES | Luxury car | 121 | $1,590 |
All brands
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.