Polestar 2 Insurance Cost

Full coverage for a Polestar 2 costs about $1,445 a year ($121/month) by our estimate — ▼ −9% versus the average vehicle.

Polestar 2 exterior (photo from Wikimedia Commons) — Photo: M 93, CC BY-SA 3.0 de

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

Polestar 2 insurance cost at a glance

Full coverage

$1,445

$121/mo · $1,185–$1,705

Minimum liability

$490

$41/mo

Segment

Luxury car

Electric

HLDI collision losses

119

Worse than average (100 = avg)

NHTSA overall

★★★★★

2025 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2025 model year. Our vehicle data covers the 2021–2025 model years of the Polestar 2, which is no longer in production.

Estimated Polestar 2 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$490	$41	$405–$580
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$710	$59	$585–$840
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,445	$121	$1,185–$1,705

What drives the cost of insuring a Polestar 2

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Polestar 2's results put our vehicle factor at 0.80× for liability, 1.25× for collision and 0.96× for comprehensive.

HLDI relative insurance losses — Polestar 2 electric 4dr 4WD (Large Luxury cars)
Coverage	Index	Rating	What it measures
Collision	119	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	90	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	80	Much better than average	Damage this car does to other vehicles and property
Bodily injury liability	60	Much better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	55	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Polestar 2 electric 4dr 4WD	119	90	80	60
Polestar 2 electric 4dr	100	81	—	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 6 NHTSA recall campaigns and 139 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Polestar 2 trims and configurations (2025)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPGe (comb.)	Range
2 Dual Motor (19 Inch Wheels)	AWD	Electric	101	278 mi
2 Dual Motor (20 Inch Wheels)	AWD	Electric	97	268 mi
2 Dual Motor Performance Pack	AWD	Electric	91	254 mi
2 Single Motor (19 Inch Wheels)	RWD	Electric	114	314 mi
2 Single Motor (20 Inch Wheels)	RWD	Electric	109	300 mi

Polestar 2 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPGe	Est. full / yr
2025	Electric	AWD, RWD	—	$1,445
2024	Electric	AWD, RWD	—	$1,410
2023	Electric	AWD, FWD	—	$1,375
2022	Electric	AWD, FWD	—	$1,340
2021	Electric	AWD	—	$1,300

Polestar 2 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the 2 page for that state.

State	Full coverage	Minimum	vs. national	2 page
Alabama	$1,280	$385	−11%	2 in AL
Alaska	$1,280	$500	−11%	2 in AK
Arizona	$1,505	$530	+4%	2 in AZ
Arkansas	$1,305	$360	−10%	2 in AR
California	$1,460	$460	+1%	2 in CA
Colorado	$1,630	$520	+13%	2 in CO
Connecticut	$1,520	$570	+5%	2 in CT
Delaware	$1,570	$640	+9%	2 in DE
District of Columbia	$1,845	$595	+28%	2 in DC
Florida	$1,985	$865	+37%	2 in FL
Georgia	$1,745	$700	+21%	2 in GA
Hawaii	$1,025	$350	−29%	2 in HI
Idaho	$985	$320	−32%	2 in ID
Illinois	$1,270	$400	−12%	2 in IL
Indiana	$1,040	$325	−28%	2 in IN
Iowa	$1,000	$250	−31%	2 in IA
Kansas	$1,170	$320	−19%	2 in KS
Kentucky	$1,210	$420	−16%	2 in KY
Louisiana	$1,985	$635	+37%	2 in LA
Maine	$935	$340	−35%	2 in ME
Maryland	$1,615	$600	+12%	2 in MD
Massachusetts	$1,435	$475	−1%	2 in MA
Michigan	$1,595	$615	+10%	2 in MI
Minnesota	$1,215	$375	−16%	2 in MN
Mississippi	$1,395	$425	−3%	2 in MS
Missouri	$1,320	$410	−9%	2 in MO
Montana	$1,170	$315	−19%	2 in MT
Nebraska	$1,175	$325	−19%	2 in NE
Nevada	$1,605	$695	+11%	2 in NV
New Hampshire	$1,050	$320	−27%	2 in NH
New Jersey	$1,705	$750	+18%	2 in NJ
New Mexico	$1,305	$415	−10%	2 in NM
New York	$1,900	$745	+31%	2 in NY
North Carolina	$1,115	$360	−23%	2 in NC
North Dakota	$955	$220	−34%	2 in ND
Ohio	$1,045	$325	−28%	2 in OH
Oklahoma	$1,320	$375	−9%	2 in OK
Oregon	$1,270	$500	−12%	2 in OR
Pennsylvania	$1,285	$340	−11%	2 in PA
Rhode Island	$1,725	$655	+19%	2 in RI
South Carolina	$1,510	$585	+4%	2 in SC
South Dakota	$1,130	$250	−22%	2 in SD
Tennessee	$1,225	$360	−15%	2 in TN
Texas	$1,720	$555	+19%	2 in TX
Utah	$1,290	$525	−11%	2 in UT
Vermont	$975	$255	−33%	2 in VT
Virginia	$1,245	$500	−14%	2 in VA
Washington	$1,240	$470	−14%	2 in WA
West Virginia	$1,225	$350	−15%	2 in WV
Wisconsin	$1,000	$300	−31%	2 in WI
Wyoming	$1,155	$260	−20%	2 in WY

Polestar 2 insurance by driver profile

Estimated annual Polestar 2 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,350	$1,960	$3,980	$332
Young adult (22)	$785	$1,140	$2,315	$193
Adult in their 30s	$490	$710	$1,445	$120
Adult in their 50s	$450	$655	$1,330	$111
Senior (72)	$550	$800	$1,620	$135
30s, one at-fault accident	$710	$1,035	$2,100	$175
30s, DUI on record	$910	$1,320	$2,675	$223

Polestar 2 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Polestar 2	$1,445	119	90	—
Audi A4	$1,565	133	97	Compare
Lexus ES	$1,590	121	108	Compare
Audi S3	$1,520	122	95	Compare

Estimate Polestar 2 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Polestar models

3 $1,850/yr
4 $1,850/yr
1 $1,865/yr

All Polestar insurance costs →

Frequently asked questions

How much is insurance for a Polestar 2?

We estimate about $1,445 a year ($121 a month) for full coverage and $490 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 9% less than the average vehicle.

Is the Polestar 2 expensive to insure?

HLDI insurance-loss data rates it at 119 for collision and 90 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Polestar 2?

Maine has the lowest estimate (about $935 a year for full coverage) and Louisiana the highest (about $1,985).

What is the Polestar 2's NHTSA safety rating?

The 2025 Polestar 2 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Polestar 2 cheaper to insure than the Audi A4?

By our estimate the Polestar 2 costs about $1,445 a year versus $1,640 for the Audi A4, making it the cheaper of the two to insure.

How much is Polestar 2 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,980 a year at national-average rates by our estimate.

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.

Sources used on this page