If you’re shopping around for a sedan, you must budget for more than just a car payment. You should know how much it will cost to insure the car and where you can find the cheapest car insurance.
But finding the cheapest insurance isn’t always easy – there are many sedan models and styles, and consumers should know that premiums vary for different features.
The number of variables factored into your car insurance rate can make your head spin, says Chris Hardesty, an insurance expert and senior advice editor for Kelley Blue Book.
“Driver-assist technologies can make your car safer on the road and potentially avoid a crash,” Hardesty says. “At the same time, those electronic features are more expensive to repair or replace following an accident. It’s good that insurance companies have tremendous amounts of data to help them predict risk and cost.”
This guide gives sedan buyers and owners a better understanding of rates and what they will likely pay for sedan car insurance.
CarInsurance.com Insights
- The cheapest sedan to insure is the Subaru Legacy with an annual premium of $1,551.
- Nationwide and GEICO offer the cheapest rates for sedans.
- Sedans are typically more expensive to insure than SUVs but less expensive to insure than sports cars.he cheapest sedan to insure is the Subaru Impreza at an annual premium of $1,274.
What are the cheapest sedans to insure?
The Subaru Legacy is the cheapest sedan to insure at an average annual premium from Nationwide at $1,551, according to CarInsurance’s data. Nationwide also had the second-lowest rates for the Subaru Impreza.
No. 1: Subaru Legacy
- Insurance company: Nationwide
- Cost: $1,551 per year; $129 per month
No. 2: Subaru Impreza
- Insurance company: Nationwide
- Cost: $1,696 per year; $141 per month
No. 3: Kia Forte
- Insurance company: GEICO
- Cost: $1,750 per year; $146 per month
No. 4: Nissan Versa
- Insurance company: GEICO
- Cost: $1,755 per year; $146 per month
No. 5: Volkswagen Jetta
- Insurance company: Nationwide
- Cost: $1,795 per year; $150 per month
No. 6: Honda Civic Sedan
- Insurance company: GEICO
- Cost: $1,79 per year; $150 per month
Do insurance companies consider the size of a sedan when setting rates?
When determining premiums, car insurance companies typically consider the type of car you drive, its cost, potential repair costs and theft. Additionally, they assess safety features, potential damage to another car during an accident and luxury model features.
Yes, they do consider the size of a sedan when setting policy prices.
According to our data, drivers of a small Toyota Corolla sedan can estimate an average annual premium of $1,823. Comparatively, drivers of a midsize Honda Accord have an average annual premium of $1,876, a difference of $53. Drivers of a full-size Hyundai Sonata can see an increase of nearly $300 with an average annual premium of $2,107 for full coverage car insurance.
See the tables below to further compare premiums, insurance companies and sedan size.
Cheapest small sedans to insure
According to our analysis, the Subaru Impreza is the cheapest small SUV to insure through Nationwide. The table below shows what other insurance companies offer the cheapest coverage for sedans.
| Make model | Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| Subaru Impreza | Nationwide | $1,696 | $848 | $141 |
| Kia Forte | GEICO | $1,750 | $875 | $146 |
| Nissan Versa | GEICO | $1,755 | $878 | $146 |
| Toyota Corolla | GEICO | $1,823 | $912 | $152 |
| Hyundai Elantra | GEICO | $1,909 | $955 | $159 |
| Nissan Sentra | GEICO | $1,843 | $922 | $154 |
Cheapest midsize sedans to insure
The Subaru Legacy is the cheapest midsize sedan to insure through Nationwide, according to our data. Learn more about the cheapest midsize sedans to insure in the table below.
| Make model | Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| Subaru Legacy | Nationwide | $1,551 | $776 | $129 |
| Volkswagen Jetta | Nationwide | $1,795 | $898 | $150 |
| Honda Civic Sedan | GEICO | $1,796 | $898 | $150 |
| Honda Accord | Nationwide | $1,876 | $938 | $156 |
| Mazda 3 Sedan | GEICO | $1,888 | $944 | $157 |
| Kia K5 | State Farm | $1,980 | $990 | $165 |
Cheapest full-size sedans to insure
The Toyota Camry is the cheapest full-size sedan to insure through State Farm. Full-size sedans typically don’t rank in the “cheap” category, but you can explore the average rates of the full-size sedan models below.
| Make model | Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| Toyota Camry | GEICO | $1,910 | $955 | $159 |
| Chevrolet Malibu | GEICO | $2,054 | $1,027 | $171 |
| Nissan Altima | GEICO | $2,060 | $1,030 | $172 |
| Hyundai Sonata | GEICO | $2,107 | $1,053 | $176 |
How do rates differ among gas, hybrid and electric cars?
Car insurance rates vary between gas-powered, hybrid and electric vehicles because each comes with different risks and repair costs.
“Electric cars are packed with cutting-edge technology, which makes them incredible to drive but also pricier to insure,” says Kevin Kramer, COO at Ignition Dealer Services, a company in the automotive product space.
Hybrids and electric vehicles often cost more to repair, especially when it comes to battery systems or specialized components.
EVs may also require service from certified techs, which can drive up costs. Insurers factor all of this into your premium, along with data on claim frequency and accident trends for each vehicle type.
“From the sensors in the bumpers to the cameras in the backup system, every part is more advanced, and expensive, than what you’d find in a traditional or Internal Combustion Engine (ICE) car,” Kramer says. “And then there’s the battery. EV batteries are massive, high-capacity powerhouses that can cost thousands of dollars to replace if damaged. Add to this the fact that inflation has nudged repair costs higher across the board, and it’s easy to see why insurance premiums for EVs tend to be steeper.”
The table below highlights that rates for insuring a gas-powered or hybrid vehicle are similar.
| Make model | Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| Honda Accord | Allstate | $2,960 | $1,480 | $247 |
| Honda Accord | Farmers | $2,630 | $1,315 | $219 |
| Honda Accord | GEICO | $1,963 | $982 | $164 |
| Honda Accord | Nationwide | $1,767 | $883 | $147 |
| Honda Accord | Progressive | $2,307 | $1,153 | $192 |
| Honda Accord | State Farm | $2,022 | $1,011 | $169 |
| Toyota Corolla | Allstate | $2,956 | $1,478 | $246 |
| Toyota Corolla | Farmers | $3,033 | $1,516 | $253 |
| Toyota Corolla | GEICO | $1,787 | $894 | $149 |
| Toyota Corolla | Nationwide | $2,187 | $1,093 | $182 |
| Toyota Corolla | Progressive | $2,314 | $1,157 | $193 |
| Toyota Corolla | State Farm | $1,976 | $988 | $165 |
| Toyota Camry | Allstate | $3,076 | $1,538 | $256 |
| Toyota Camry | Farmers | $2,984 | $1,492 | $249 |
| Toyota Camry | GEICO | $1,903 | $952 | $159 |
| Toyota Camry | Nationwide | $2,014 | $1,007 | $168 |
| Toyota Camry | Progressive | $2,336 | $1,168 | $195 |
| Toyota Camry | State Farm | $2,135 | $1,067 | $178 |
| Hyundai Elantra | Allstate | $3,018 | $1,509 | $251 |
| Hyundai Elantra | Farmers | $3,093 | $1,546 | $258 |
| Hyundai Elantra | GEICO | $1,885 | $942 | $157 |
| Hyundai Elantra | Nationwide | $2,202 | $1,101 | $184 |
| Hyundai Elantra | Progressive | $2,321 | $1,160 | $193 |
| Hyundai Elantra | State Farm | $2,177 | $1,088 | $181 |
| Hyundai Sonata | Allstate | $3,076 | $1,538 | $256 |
| Hyundai Sonata | Farmers | $3,410 | $1,705 | $284 |
| Hyundai Sonata | GEICO | $2,093 | $1,046 | $174 |
| Hyundai Sonata | Nationwide | $2,473 | $1,237 | $206 |
| Hyundai Sonata | Progressive | $2,534 | $1,267 | $211 |
| Hyundai Sonata | State Farm | $2,369 | $1,185 | $197 |
| Make model | Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| Honda Accord | Allstate | $3,227 | $1,614 | $269 |
| Honda Accord | Farmers | $2,849 | $1,425 | $237 |
| Honda Accord | GEICO | $1,982 | $991 | $165 |
| Honda Accord | Nationwide | $1,931 | $965 | $161 |
| Honda Accord | Progressive | $2,315 | $1,157 | $193 |
| Honda Accord | State Farm | $2,013 | $1,007 | $168 |
| Toyota Corolla | Allstate | $3,140 | $1,570 | $262 |
| Toyota Corolla | Farmers | $3,130 | $1,565 | $261 |
| Toyota Corolla | GEICO | $1,900 | $950 | $158 |
| Toyota Corolla | Nationwide | $2,406 | $1,203 | $201 |
| Toyota Corolla | Progressive | $2,387 | $1,193 | $199 |
| Toyota Corolla | State Farm | $2,190 | $1,095 | $182 |
| Toyota Camry | Allstate | $3,084 | $1,542 | $257 |
| Toyota Camry | Farmers | $3,226 | $1,613 | $269 |
| Toyota Camry | GEICO | $1,936 | $968 | $161 |
| Toyota Camry | Nationwide | $2,008 | $1,004 | $167 |
| Toyota Camry | Progressive | $2,428 | $1,214 | $202 |
| Toyota Camry | State Farm | $2,091 | $1,046 | $174 |
| Hyundai Elantra | Allstate | $2,928 | $1,464 | $244 |
| Hyundai Elantra | Farmers | $3,276 | $1,638 | $273 |
| Hyundai Elantra | GEICO | $2,157 | $1,079 | $180 |
| Hyundai Elantra | Nationwide | $2,554 | $1,277 | $213 |
| Hyundai Elantra | Progressive | $2,847 | $1,424 | $237 |
| Hyundai Elantra | State Farm | $2,418 | $1,209 | $202 |
| Hyundai Sonata | Allstate | $3,488 | $1,744 | $291 |
| Hyundai Sonata | Farmers | $3,560 | $1,780 | $297 |
| Hyundai Sonata | GEICO | $2,141 | $1,070 | $178 |
| Hyundai Sonata | Nationwide | $2,515 | $1,257 | $210 |
| Hyundai Sonata | Progressive | $2,408 | $1,204 | $201 |
| Hyundai Sonata | State Farm | $2,161 | $1,081 | $180 |
What are the car insurance requirements for sedans?
The insurance requirements for sedans are the same as for other types of vehicles. Below are the car insurance options when you have a sedan, but keep in mind that these are not all legal requirements, which vary by state:
- Liability: If you injure another person or damage their property while at the wheel of your sedan, bodily injury liability and property damage liability will help cover damages up to your policy’s limits. Liability coverage is required in most U.S. states.
- Collision: If your car is damaged or destroyed after a collision with another car, collision coverage will cover damage.
- Comprehensive: Should your vehicle be damaged or destroyed by something other than a collision – fire, flooding, vandalism, theft, weather events or an animal strike – comprehensive coverage comes to the rescue.
- Uninsured motorist/underinsured motorist: If your car is damaged in a crash with an uninsured or underinsured driver, UM/UIM coverage will help foot the repair bill.
How much you’ll pay for car insurance for a sedan depends on several factors:
- Insurance company
- Age, make and model of the vehicle
- Address where the vehicle is garaged
- Coverage amounts (the more extensive the coverage, the more expensive)
- Deductible (a higher deductible means a cheaper premium)
- Individual driving history
- State of residency
The cheapest type of insurance for sedans that is currently available is liability-only insurance. But if you’re leasing or financing your car, you need comprehensive and collision insurance and liability insurance.
Which companies provide the cheapest car insurance for sedans?
Nationwide offers the cheapest car insurance rates for sedans, starting at an annual average premium of $1,551 for a Subaru Legacy. Learn how other insurance companies’ annual premiums rank for sedans in the table below.
| Make model | Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| Chevrolet Malibu | GEICO | $2,054 | $1,027 | $171 |
| Honda Accord | Nationwide | $1,876 | $938 | $156 |
| Honda Civic Sedan | GEICO | $1,796 | $898 | $150 |
| Hyundai Elantra | GEICO | $1,909 | $955 | $159 |
| Hyundai Sonata | GEICO | $2,107 | $1,053 | $176 |
| Kia Forte | GEICO | $1,750 | $875 | $146 |
| Kia K5 | State Farm | $1,980 | $990 | $165 |
| Mazda 3 Sedan | GEICO | $1,888 | $944 | $157 |
| Mitsubishi Mirage G4 | State Farm | $1,993 | $997 | $166 |
| Nissan Altima | GEICO | $2,060 | $1,030 | $172 |
| Nissan Sentra | GEICO | $1,843 | $922 | $154 |
| Nissan Versa | GEICO | $1,755 | $878 | $146 |
| Subaru Impreza | Nationwide | $1,696 | $848 | $141 |
| Subaru Legacy | Nationwide | $1,551 | $776 | $129 |
| Toyota Camry | GEICO | $1,910 | $955 | $159 |
| Toyota Corolla | GEICO | $1,823 | $912 | $152 |
| Volkswagen Jetta | Nationwide | $1,795 | $898 | $150 |
| Volkswagen Jetta GLI | State Farm | $1,946 | $973 | $162 |
How has the cost of sedan insurance changed over time?
Car insurance costs have continued to climb over the years. In fact, the U.S. Bureau of Labor Statistics reported that insurance rates rose 11.1% over a one-year period ending in early 2025.
How much is insurance for a sedan for an 18-year-old vs. a 40-year-old?
In general, teen drivers pay significantly more for insurance than 40-year-old drivers. As drivers gain experience behind the wheel, they pose less risk for insurers, leading to lower rates.
For example, a 40-year-old driver pays an average annual rate of $2,120 to insure a Subaru Impreza. In contrast, an 18-year-old pays an average annual rate of $7,792 to insure the same vehicle.
Explore how rates vary across other vehicles by driver age below.
| Make model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Subaru Impreza | $7,792 | $3,896 | $649 |
| Toyota Corolla | $8,829 | $4,414 | $736 |
| Subaru Legacy | $7,815 | $3,907 | $651 |
| Nissan Versa | $8,495 | $4,248 | $708 |
| Honda Civic Sedan | $8,581 | $4,290 | $715 |
| Volkswagen Jetta | $8,615 | $4,307 | $718 |
| Honda Accord | $8,585 | $4,293 | $715 |
| Kia Forte | $8,859 | $4,430 | $738 |
| Toyota Camry | $8,876 | $4,438 | $740 |
| Nissan Sentra | $8,978 | $4,489 | $748 |
| Volkswagen Jetta GLI | $9,013 | $4,507 | $751 |
| Toyota Corolla | $9,062 | $4,531 | $755 |
| Mazda 3 Sedan | $9,148 | $4,574 | $762 |
| Chevrolet Malibu | $9,145 | $4,573 | $762 |
| Hyundai Elantra | $9,246 | $4,623 | $771 |
| Nissan Altima | $9,314 | $4,657 | $776 |
| Mitsubishi Mirage G4 | $9,644 | $4,822 | $804 |
| Kia K5 | $9,615 | $4,808 | $801 |
| Hyundai Sonata | $9,894 | $4,947 | $825 |
| Make model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Subaru Impreza | $2,120 | $1,060 | $177 |
| Toyota Corolla | $2,349 | $1,174 | $196 |
| Subaru Legacy | $2,148 | $1,074 | $179 |
| Nissan Versa | $2,254 | $1,127 | $188 |
| Honda Civic Sedan | $2,288 | $1,144 | $191 |
| Volkswagen Jetta | $2,282 | $1,141 | $190 |
| Honda Accord | $2,342 | $1,171 | $195 |
| Kia Forte | $2,347 | $1,173 | $196 |
| Toyota Camry | $2,400 | $1,200 | $200 |
| Nissan Sentra | $2,350 | $1,175 | $196 |
| Volkswagen Jetta GLI | $2,413 | $1,207 | $201 |
| Toyota Corolla | $2,408 | $1,204 | $201 |
| Mazda 3 Sedan | $2,443 | $1,222 | $204 |
| Chevrolet Malibu | $2,446 | $1,223 | $204 |
| Hyundai Elantra | $2,447 | $1,224 | $204 |
| Nissan Altima | $2,510 | $1,255 | $209 |
| Mitsubishi Mirage G4 | $2,563 | $1,282 | $214 |
| Kia K5 | $2,595 | $1,298 | $216 |
| Hyundai Sonata | $2,639 | $1,319 | $220 |
New vs. used sedans: Which are cheaper to insure?
Typically, it’s more expensive to insure a new sedan than an older sedan. That’s because a newer sedan is more valuable, making it more expensive to repair or replace than an older sedan.
What leads to higher car insurance costs for sedans?
According to a Kelley Blue Book report, SUVs made up the lion’s share of car sales in the first half of 2022. However, in the first quarter of 2023, sedans saw an uptick in sales, about 21.4% of the 3.6 million new vehicles sold in the U.S., according to the Automotive News Research & Data Center.
This has safety implications since sedans are smaller and lower to the ground than trucks and SUVs.
Here are some factors that lead to a higher insurance cost for sedans:
- Car make and model: The price tag of your insurance hinges on the specific car make and model. Luxury vehicles, larger cars, more powerful engines and models with more bells and whistles mean more expensive car insurance.
- Higher potential for theft: One downside to sedans’ popularity is that they are also attractive to car thieves, Hardesty says. In fact, data by the NICB reveals that five of the top 10 most stolen cars in the U.S. are sedans.
- Cost to repair: Sedans with more features, electronic components or expensive parts will cost more, which will raise the insurance premium.
- Market value: Sedans with a higher market value — or resale value — will have a higher insurance price tag.
- Safety features: Sedans with safety features such as brake assist, airbags, anti-lock brakes and backup cameras can lower the odds of getting into a car crash, decreasing your insurance cost.
How can you save money on car insurance for sedans?
To save on car insurance, understand that an older car will also be cheaper to insure than a newer luxury model. And the higher your deductible, the lower your premium and vice versa.
Take these steps before buying a car insurance policy for your sedan:
- Research to see what type of coverage you need: As mentioned before, you’ll want to see what types of insurance and coverage amounts you’ll need. Each state has different requirements, and most states require liability. If you are leasing or financing a car, you’ll most likely need full coverage, which includes comprehensive and collision insurance.
- Comparison shop: To save on car insurance for your sedan, it’s important to do your research to get an idea of the rates. Get a few quotes from several lenders for the same types and coverage amounts. The beauty of car insurance is that you can hop on a new policy with a different insurance company at any time.
- Look for discounts: You’ll also want to see if there are any discounts. Common discounts for car insurance include a good driver discount, a membership discount if you’re affiliated with a certain organization, a multi-vehicle discount and bundled discount if you purchase both a homeowners insurance and auto insurance policy with the same company.
Are sedans cheaper to insure than SUVs or sports cars?
No, sedans are more expensive to insure than SUVs. According to our data, an SUV’s average annual insurance premium is $2,316, while a sedan costs $2,403 per year for full coverage.
Why’s that? Well, it has to do with safety considerations.
“Those SUVs and trucks have grown heavier and taller, while sedans are comparatively petite and close to the road,” Hardesty says. “The difference in weight and stature can put sedans at a disadvantage, leading to higher insurance rates.”
However, sedans are significantly cheaper to insure than sports cars, with an average annual premium of $3,586. Again, this boils down to safety features and underlying value.
Final thoughts on cheap insurance for sedans
When shopping around for insurance for a sedan, consider what you use your car for, how often you drive, and your personal budget. If you want cheaper car insurance rates, opt for a used car with less features.
If a luxury model or a sedan with more advanced features is a better fit for your needs and lifestyle, then there’s no reason to deprive yourself — know it will cost more to insure.
FAQs
Do luxury sedans have higher insurance costs than regular sedans?
Yes, luxury cars come with an average annual premium of $3,497. In contrast, standard sedans have an average annual premium of $2,403.
Do four-door sedans have lower insurance rates than two-door cars?
On average, you’ll pay 16% more to insure a coupe (two-door car) than a sedan (four-door car).
Do older sedans have lower insurance rates than new sedans?
Yes, older sedans are typically cheaper to insure than new sedans.
Resources & Methodology
Sources
Kelley Blue Book. “In an SUV World, Can Cars Make a Comeback?” Accessed April 2025.
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male driver with a 12-mile commute and 10,000 annual mileage for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles. We analyzed 67,566,780 records, 510 ZIP codes and 57 insurance companies nationwide.
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