CarInsurance.com Insights
- The Maserati Quattroporte is the most expensive car to insure at an average annual premium of $7,090.
- The Honda CR-V is the cheapest car to insure at $1,932 per year.
- Luxury makes like Audi, BMW and Maserati usually cost more to insure. This is because they often need special parts to replace and specialized mechanics.
If you’re in the market for a car, consider the impact a vehicle’s make and model will have on how much you pay for car insurance.
The type of car you drive is one of the key factors in how much you’ll pay for auto insurance. More expensive cars cost more to insure, while cheaper, smaller cars cost less. Luxury vehicles or sports cars often cost more to repair, so insurers will charge you more to insure them.
Use the tool below to calculate insurance for car models and makes.
Insurance rates by car model
What are the most affordable cars to insure?
Want to know which vehicles cost the least to insure? Models by Honda, Volkswagen, Hyundai and Chevrolet top the list. The cheapest cars to insure have readily available parts.
The cheapest cars to insure are the Honda CR-V (with an annual rate of $1,932), Honda HR-V ($1,936) and Volkswagen Tiguan ($1,979).
See the table below for annual rates of the most affordable cars to insure in 2025.
| Make model | Average rate |
|---|---|
| Honda CR-V | $1,932 |
| Honda HR-V | $1,936 |
| Volkswagen Tiguan | $1,979 |
| Hyundai Venue | $1,999 |
| Chevrolet TrailBlazer | $2,012 |
What are the priciest cars to insure?
The costliest vehicles to get coverage for, on the other hand, include models by Maserati, BMW, Audi and Mercedes.
The Maserati Quattroporte regularly tops our list of the most expensive cars to insure, and this year is no different with a staggering annual rate of $7,090. It’s followed by the Maserati Ghibli ($6,386) and the BMW M8 Gran Coupe ($5,985).
See the table below for the most expensive vehicles to insure in 2025 and their annual rates.
| Make model | Average rate |
|---|---|
| Maserati Quattroporte | $7,090 |
| Maserati Ghibli | $6,386 |
| BMW M8 Gran Coupe | $5,985 |
| Audi RS7 | $5,792 |
| Mercedes-AMG EQS | $5,648 |
Why do insurance rates vary by car make and model?
The biggest factors insurers use to set rates are the type of vehicle, its repair or replacement costs and the driver’s risk profile.
“There are many reasons why insurance rates vary from model to model and make to make,” says Brian Moody, senior editor of Autotrader. “The main consideration is the cost of repair. An insurance company has a responsibility to its customers and employees to make financially wise decisions,” he says. “If an insured drives a Rolls-Royce, it’s logical that the cost will be higher for that customer because that specific car may be rare and expensive to repair. The expected availability of parts is also a factor.”
If your car is one of the most popular models for car thieves, such as the Honda Civic or Honda Accord, your rates will also be higher.
“Typically, foreign vehicles – such as a BMW, Toyota or Mercedes – will all cost more to insure because most of these vehicles require special parts to replace and special mechanics specializing in foreign vehicles,” says Lauren McKenzie, an insurance broker at A Plus Insurance. “Sports cars will also be more expensive to insure because their cost for parts is generally much more expensive.”
Additionally, there are a few other factors that affect how much you pay for insurance:
- Vehicle age: Newer vehicles cost more to insure because they’re worth more.
- Safety ratings: Safer cars get into fewer accidents.
- Sticker price: The higher the price of the car, the more you’ll pay for insurance.
- Theft rate: Vehicles that are stolen more often cost more to insure.
Here’s how it worksIf a vehicle is worth $10,000, it would cost a lot less to insure than a vehicle worth $60,000 because the cost of parts will be more expensive on a higher-value vehicle than on a lower-valued vehicle. If a vehicle is totaled out, replacing a car at $10,000 vs. $60,000 is a significant price difference, making insurance prices more expensive for newer, expensive cars.
Average car insurance cost for different vehicle makes
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Insurance costs for top-selling cars in 2025
Eager to learn what it costs to insure crowd-favorite makes and models? Here’s a roundup of premiums for some of the cars on Kelley Blue Book’s list of the best-selling cars, including regular list-makers like the Ford F-150, Toyota RAV4 and Honda CR-V.
See insurance costs for the top-selling cars in 2025 in the table below.
| Make model | Annual rate | Monthly rate |
|---|---|---|
| Ford F-150 | $2,458 | $205 |
| Ford F-150 Raptor | $2,682 | $223 |
| Chevrolet Silverado 1500 | $2,413 | $201 |
| Toyota RAV4 | $2,085 | $174 |
| Toyota RAV4 Hybrid | $2,189 | $182 |
| Tesla Model Y | $3,529 | $294 |
| Honda CR-V | $1,932 | $161 |
| Honda CR-V Hybrid | $2,164 | $180 |
Annual and monthly rates for the best-selling cars in the U.S.
What is a car’s make and model?Think of a car make and model like your last and first names. The “make” is the car’s last name or brand name – Dodge, Lexus, BMW, Tesla, etc. The “model” would be your first name – the individual model of the vehicle, so this would be Camry (Toyota), Ram (Dodge) or Fusion (Ford).
Expert tips for choosing the best insurance for your car model
To pick the best car insurance policy based on your vehicle’s model, always research the cost of insurance before buying a new or used car. Price out different coverage levels, too, including collision and comprehensive, for your chosen model.
“A high-horsepower car will cost more, as will a specialty car. Factoring that in before making a purchase can really help manage costs,” Moody says.
Chong Gao, director of product management research and development at Mercury Insurance in Los Angeles, agrees.
“Carefully compare quotes from different insurers on the various vehicles you are considering. Keep in mind that luxury and high-performance vehicles tend to cost more to insure, as well as larger vehicles that have the potential to cause more damage,” Gao says.
Additionally, if your vehicle is older, think about decreasing insurance coverage to liability only.
“As the actual cash value of your car drops, it could be more cost-effective to replace or repair the vehicle yourself in the event of an accident instead of paying for comprehensive and collision coverages,” Gao says.
Key takeaways: How car choice impacts insurance costs
The more expensive your car is, the more you’ll pay for car insurance. If cost is your main concern when shopping for a vehicle, make sure you buy a car that’s highly rated for safety, is not frequently stolen and is one of the cheapest cars to insure.
“Most sports cars are expensive to insure,” McKenzie says. “The newer the vehicle, the greater the cost for insurance – especially for younger drivers.”
Frequently Asked Questions: Vehicle make and model
Can a car’s trim and body style affect insurance rates?
In addition to year, make and model, your vehicle’s trim and body styles can affect your car insurance rates. Trim levels that offer greater horsepower and luxury details can add to the vehicle’s MSRP, which could mean higher rates.
“The trim level of a vehicle may impact insurance prices a little, but not much,” McKenzie says. “The different packages and safety features a vehicle has could impact $5-$10 monthly on insurance, depending upon the vehicle.”
Here’s a summary of various trim types and body styles:
- Trim types: Standard, sport, luxury
- Body style: Coupe, sedan, hatchback
“Generally, smaller vehicles are cheaper to insure because they are cheaper to replace. Body style is factored into the rate because it does also play a part with having to do with safety features,” McKenzie says. “An SUV or truck may be cheaper to insure than a sports car, not only because of the difference in the value of the vehicles, but SUVs and trucks are generally safer than a small car, and may not take that much damage in the event of an accident.”
Discover everything you need to know about luxury car insurance
How do car insurance rates for new models compare to older models?
Newer cars are generally more expensive to insure versus older cars due to their higher market value and the cost of replacing advanced technology and specialized parts, according to Chong Gao with Mercury Insurance.
How do safety ratings influence car insurance rates?
Safety ratings reflect how the vehicle protects its occupants in the event of a crash, per Gao. This will reflect in personal injury protection/medical payments coverage on your policy, but this is only a small portion of total premium costs.
Does the color of a car affect the insurance premiums?
The color of your vehicle is not a rating factor for determining the cost of your policy. Mark Friedlander of the Insurance Information Institute reports that this is an urban myth not based on reality. It doesn’t matter if your car is red, green, blue, gray, yellow, white or any other color.
Resources & Methodology
Source
Kelley Blue Book. “The 25 Best-Selling Cars of 2024 So Far.” Accessed August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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