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.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Most-searched models

ModelSegmentHLDI collisionEst. full / yr
Honda CR-VSmall SUV63$1,200
Subaru OutbackWagon63$1,190
Tesla Model 3Midsize car133$1,670
Subaru ForesterSmall SUV64$1,140
Honda CivicCompact car121$1,790
Toyota CorollaCompact car102$1,705
Jeep WranglerMidsize SUV47$1,355
Mazda CX-5Small SUV80$1,325
MINI CooperSubcompact car70$1,210
Tesla Model YMidsize SUV118$1,505
Mazda MX-5 MiataSports car83$1,280
Lexus ISLuxury car158$1,835
Toyota TacomaPickup truck87$1,375
Toyota CamryMidsize car119$1,735
GMC TerrainSmall SUV85$1,480
Dodge ChargerFull-size car—$1,635
Ford F-150Pickup truck92$1,580
Honda AccordMidsize car109$1,680
Kia ForteCompact car128$1,955
Toyota PriusCompact car118$1,595
Hyundai SonataMidsize car136$1,890
Nissan AltimaMidsize car135$1,995
Hyundai ElantraCompact car134$1,895
Ford EscapeSmall SUV95$1,625
Subaru CrosstrekSmall SUV63$1,175
Ford ExpeditionLarge SUV92$1,370
Nissan RogueSmall SUV82$1,430
Kia SoulCompact car83$1,595
BMW X3Luxury SUV108$1,565
Nissan MuranoMidsize SUV90$1,465
Nissan LeafCompact car96$1,465
Dodge ChallengerSports car—$1,705
Tesla Model XLarge SUV218$2,105
Volkswagen GolfCompact car—$1,365
BMW X5Luxury SUV120$1,690
Porsche 911Luxury sports car198$1,750
Nissan JukeSmall SUV—$1,195
Audi Q7Luxury SUV123$1,570
Ford MustangSports car184$1,865
Lexus ESLuxury car121$1,590

All brands

AcuraLuxury
$1,522 avg/yr
13 models$1,230–$1,735
Alfa RomeoLuxury
$1,887 avg/yr
5 models$1,545–$2,275
Aston MartinLuxury
$2,560 avg/yr
11 models$2,145–$4,110
AudiLuxury
$1,934 avg/yr
34 models$1,440–$2,865
BentleyLuxury
$4,052 avg/yr
7 models$3,950–$4,120
BMWLuxury
$2,247 avg/yr
31 models$1,320–$4,260
BugattiLuxury
— avg/yr
4 models
Buick
$1,464 avg/yr
16 models$1,380–$1,530
CadillacLuxury
$1,683 avg/yr
20 models$1,405–$1,895
Chevrolet
$1,489 avg/yr
40 models$1,050–$1,725
Chrysler
$1,385 avg/yr
9 models$1,375–$1,395
Dodge
$1,703 avg/yr
16 models$1,635–$1,770
FerrariLuxury
$2,341 avg/yr
25 models$1,760–$3,650
Fiat
$1,555 avg/yr
5 models$1,555–$1,555
Fisker
— avg/yr
2 models
Ford
$1,468 avg/yr
30 models$1,260–$1,865
GenesisLuxury
$1,761 avg/yr
6 models$1,630–$2,055
GMC
$1,416 avg/yr
12 models$1,035–$1,605
Honda
$1,460 avg/yr
17 models$1,160–$1,895
Hyundai
$1,575 avg/yr
23 models$1,385–$1,895
INEOS
— avg/yr
1 models
InfinitiLuxury
$1,682 avg/yr
27 models$1,550–$1,805
JaguarLuxury
$1,690 avg/yr
10 models$1,690–$1,690
Jeep
$1,558 avg/yr
13 models$1,355–$1,745
Karma
— avg/yr
2 models
Kia
$1,603 avg/yr
23 models$1,400–$2,005
LamborghiniLuxury
$3,890 avg/yr
7 models$3,890–$3,890
Land RoverLuxury
$1,842 avg/yr
11 models$1,635–$2,210
LexusLuxury
$1,605 avg/yr
17 models$1,180–$2,225
LincolnLuxury
$1,503 avg/yr
14 models$1,400–$1,640
LotusLuxury
$2,200 avg/yr
3 models$2,200–$2,200
LucidLuxury
$2,360 avg/yr
2 models$1,895–$2,825
MaseratiLuxury
$2,153 avg/yr
11 models$2,145–$2,185
Mazda
$1,401 avg/yr
19 models$1,220–$1,630
McLarenLuxury
— avg/yr
18 models
Mercedes-BenzLuxury
$2,146 avg/yr
32 models$1,440–$3,045
Mercury
— avg/yr
7 models
MINI
$1,263 avg/yr
5 models$1,210–$1,315
Mitsubishi
$1,905 avg/yr
13 models$1,675–$2,165
Nissan
$1,593 avg/yr
23 models$1,420–$2,045
PolestarLuxury
$1,850 avg/yr
4 models$1,850–$1,850
Pontiac
— avg/yr
15 models
PorscheLuxury
$1,858 avg/yr
9 models$1,700–$2,295
Ram
$1,785 avg/yr
3 models$1,785–$1,785
Rivian
$1,828 avg/yr
3 models$1,605–$1,955
Rolls-RoyceLuxury
$3,771 avg/yr
6 models$1,820–$6,160
Saab
— avg/yr
5 models
Saturn
— avg/yr
9 models
Scion
— avg/yr
8 models
Smart
— avg/yr
1 models
Subaru
$1,387 avg/yr
13 models$1,140–$1,740
Suzuki
— avg/yr
10 models
Tesla
$1,781 avg/yr
5 models$1,505–$2,105
Toyota
$1,586 avg/yr
32 models$1,285–$2,450
VinFast
$1,630 avg/yr
4 models$1,545–$1,740
Volkswagen
$1,409 avg/yr
20 models$1,285–$1,695
VolvoLuxury
$1,603 avg/yr
20 models$1,210–$1,895

Model vs. model comparisons

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.