Polestar Insurance Cost
Across 2 current Polestar models, full coverage averages about $1,850 a year by our estimate — +16% versus the average vehicle ($1,590).
Polestar insurance profile
Polestar is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 2 luxury suvs.
Every Polestar model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| 3 | Luxury SUV | 2025–2026 | — | $1,850 | +16% |
| 4 | Luxury SUV | 2025–2026 | — | $1,850 | +16% |
Older and discontinued Polestar models
What makes Polestar insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- EV batteries: 2 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Segment mix: 2 luxury suv.
Average Polestar insurance cost by state
Average full-coverage estimate across current Polestar models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,240 | −33% |
| Idaho | $1,300 | −30% |
| North Dakota | $1,300 | −30% |
| Vermont | $1,300 | −30% |
| Wisconsin | $1,330 | −28% |
| Hawaii | $1,345 | −27% |
| Iowa | $1,355 | −27% |
| Indiana | $1,375 | −26% |
| New Hampshire | $1,380 | −25% |
| Ohio | $1,385 | −25% |
| North Carolina | $1,485 | −20% |
| South Dakota | $1,560 | −16% |
| Kansas | $1,575 | −15% |
| Montana | $1,580 | −15% |
| Nebraska | $1,580 | −15% |
| Kentucky | $1,585 | −14% |
| Wyoming | $1,590 | −14% |
| Washington | $1,605 | −13% |
| Tennessee | $1,620 | −12% |
| Minnesota | $1,625 | −12% |
| Virginia | $1,635 | −12% |
| Oregon | $1,640 | −11% |
| West Virginia | $1,640 | −11% |
| Illinois | $1,670 | −10% |
| Utah | $1,670 | −10% |
| Alaska | $1,680 | −9% |
| Alabama | $1,695 | −8% |
| Pennsylvania | $1,705 | −8% |
| New Mexico | $1,725 | −7% |
| Arkansas | $1,745 | −6% |
| Missouri | $1,750 | −5% |
| Oklahoma | $1,765 | −5% |
| Mississippi | $1,855 | 0% |
| Massachusetts | $1,880 | +2% |
| California | $1,910 | +3% |
| South Carolina | $1,960 | +6% |
| Arizona | $1,970 | +6% |
| Connecticut | $1,970 | +6% |
| Delaware | $2,020 | +9% |
| Nevada | $2,050 | +11% |
| Michigan | $2,095 | +13% |
| Maryland | $2,100 | +14% |
| Colorado | $2,175 | +18% |
| New Jersey | $2,190 | +18% |
| Rhode Island | $2,230 | +21% |
| Georgia | $2,255 | +22% |
| Texas | $2,290 | +24% |
| District of Columbia | $2,420 | +31% |
| New York | $2,455 | +33% |
| Florida | $2,540 | +37% |
| Louisiana | $2,595 | +40% |
Frequently asked questions
How much does it cost to insure a Polestar?
Across 2 current Polestar models, our full-coverage estimate averages $1,850 a year for a driver in their 30s with a clean record, 16% more than the average vehicle ($1,590).
What is the cheapest Polestar to insure?
The Polestar 3 has the lowest estimate at about $1,850 a year for full coverage; the Polestar 4 is the most expensive at about $1,850.
Where is it cheapest to insure a Polestar?
By our estimates, Maine is the cheapest state (about $1,240 a year on average across current models) and Louisiana the most expensive (about $2,595).
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.