Karma Insurance Cost
Across 2 Karma models, full coverage averages about $1,348 a year by our estimate — −15% versus the average vehicle ($1,590).
Karma insurance profile
Karma’s lineup is made up mostly of 2 subcompact cars.
Every Karma model ranked by insurance cost
What makes Karma insurance cost more or less
- Segment mix: 2 subcompact car.
Average Karma insurance cost by state
Average full-coverage estimate across current Karma models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| North Dakota | $960 | −29% |
| Maine | $965 | −28% |
| Vermont | $980 | −27% |
| Iowa | $1,020 | −24% |
| Idaho | $1,035 | −23% |
| Wisconsin | $1,035 | −23% |
| Hawaii | $1,045 | −22% |
| Indiana | $1,080 | −20% |
| New Hampshire | $1,080 | −20% |
| Ohio | $1,085 | −19% |
| North Carolina | $1,125 | −17% |
| South Dakota | $1,145 | −15% |
| Wyoming | $1,170 | −13% |
| Kansas | $1,205 | −11% |
| Montana | $1,205 | −11% |
| Nebraska | $1,210 | −10% |
| Tennessee | $1,260 | −6% |
| Minnesota | $1,265 | −6% |
| West Virginia | $1,265 | −6% |
| Kentucky | $1,285 | −5% |
| Virginia | $1,310 | −3% |
| Alabama | $1,320 | −2% |
| Illinois | $1,320 | −2% |
| Pennsylvania | $1,325 | −2% |
| Arkansas | $1,330 | −1% |
| Alaska | $1,335 | −1% |
| Washington | $1,340 | −1% |
| New Mexico | $1,365 | +1% |
| Oklahoma | $1,365 | +1% |
| Missouri | $1,380 | +2% |
| Oregon | $1,385 | +3% |
| Utah | $1,395 | +4% |
| Mississippi | $1,450 | +8% |
| California | $1,490 | +11% |
| Massachusetts | $1,500 | +11% |
| Arizona | $1,605 | +19% |
| Connecticut | $1,630 | +21% |
| South Carolina | $1,645 | +22% |
| Michigan | $1,660 | +23% |
| Maryland | $1,720 | +28% |
| Colorado | $1,725 | +28% |
| Delaware | $1,725 | +28% |
| Nevada | $1,780 | +32% |
| Texas | $1,800 | +34% |
| Rhode Island | $1,855 | +38% |
| New Jersey | $1,860 | +38% |
| Georgia | $1,910 | +42% |
| District of Columbia | $1,920 | +42% |
| New York | $2,065 | +53% |
| Louisiana | $2,120 | +57% |
| Florida | $2,215 | +64% |
Frequently asked questions
How much does it cost to insure a Karma?
Across 2 current Karma models, our full-coverage estimate averages $1,348 a year for a driver in their 30s with a clean record, 15% less than the average vehicle ($1,590).
What is the cheapest Karma to insure?
The Karma Revero has the lowest estimate at about $1,335 a year for full coverage; the Karma GS-6 is the most expensive at about $1,360.
Where is it cheapest to insure a Karma?
By our estimates, North Dakota is the cheapest state (about $960 a year on average across current models) and Florida the most expensive (about $2,215).
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.