VinFast Insurance Cost
Across 3 current VinFast models, full coverage averages about $1,630 a year by our estimate — +3% versus the average vehicle ($1,590).
VinFast insurance profile
VinFast’s lineup is made up mostly of 2 midsize suvs and 1 small suv. HLDI collision losses for its models average 147 (100 = all-vehicle average).
Every VinFast model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| VF 7 | Small SUV | 2025–2027 | — | $1,545 | −3% |
| VF 9 | Midsize SUV | 2024–2027 | — | $1,605 | +1% |
| VF 8 | Midsize SUV | 2023–2027 | 147 | $1,740 | +9% |
Older and discontinued VinFast models
- VF 6 2025–2025
What makes VinFast insurance cost more or less
- EV batteries: 3 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 1 models range from 147 to 147, so the model you pick matters as much as the brand.
- Segment mix: 2 midsize suv, 1 small suv.
Average VinFast insurance cost by state
Average full-coverage estimate across current VinFast models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,048 | −36% |
| North Dakota | $1,063 | −35% |
| Vermont | $1,082 | −34% |
| Idaho | $1,108 | −32% |
| Iowa | $1,118 | −31% |
| Wisconsin | $1,120 | −31% |
| Hawaii | $1,142 | −30% |
| Indiana | $1,165 | −29% |
| Ohio | $1,172 | −28% |
| New Hampshire | $1,173 | −28% |
| North Carolina | $1,240 | −24% |
| South Dakota | $1,258 | −23% |
| Wyoming | $1,290 | −21% |
| Montana | $1,308 | −20% |
| Kansas | $1,310 | −20% |
| Nebraska | $1,313 | −19% |
| Kentucky | $1,363 | −16% |
| Minnesota | $1,363 | −16% |
| Tennessee | $1,370 | −16% |
| West Virginia | $1,372 | −16% |
| Virginia | $1,403 | −14% |
| Washington | $1,407 | −14% |
| Illinois | $1,422 | −13% |
| Alabama | $1,432 | −12% |
| Alaska | $1,437 | −12% |
| Pennsylvania | $1,440 | −12% |
| Oregon | $1,442 | −12% |
| Arkansas | $1,457 | −11% |
| Utah | $1,463 | −10% |
| New Mexico | $1,465 | −10% |
| Oklahoma | $1,478 | −9% |
| Missouri | $1,480 | −9% |
| Mississippi | $1,565 | −4% |
| Massachusetts | $1,612 | −1% |
| California | $1,628 | 0% |
| Arizona | $1,698 | +4% |
| South Carolina | $1,715 | +5% |
| Connecticut | $1,720 | +6% |
| Delaware | $1,787 | +10% |
| Michigan | $1,788 | +10% |
| Maryland | $1,822 | +12% |
| Nevada | $1,830 | +12% |
| Colorado | $1,840 | +13% |
| Texas | $1,933 | +19% |
| New Jersey | $1,935 | +19% |
| Rhode Island | $1,953 | +20% |
| Georgia | $1,985 | +22% |
| District of Columbia | $2,068 | +27% |
| New York | $2,157 | +32% |
| Louisiana | $2,240 | +37% |
| Florida | $2,267 | +39% |
Frequently asked questions
How much does it cost to insure a VinFast?
Across 3 current VinFast models, our full-coverage estimate averages $1,630 a year for a driver in their 30s with a clean record, 3% more than the average vehicle ($1,590).
What is the cheapest VinFast to insure?
The VinFast VF 7 has the lowest estimate at about $1,545 a year for full coverage; the VinFast VF 8 is the most expensive at about $1,740.
Are VinFast repairs expensive for insurers?
HLDI collision-loss data for 1 VinFast models averages 147 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a VinFast?
By our estimates, Maine is the cheapest state (about $1,048 a year on average across current models) and Florida the most expensive (about $2,267).
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.