Shopping for a new car? Whether you’re considering a reliable sedan, a spacious SUV or a sleek electric vehicle, insurance cost is one key factor you can’t afford to overlook. Car insurance premiums vary significantly based on the type of vehicle you drive.
We analyzed 2024 national data on 3,000 car makes and models to uncover which vehicles are the cheapest — and most expensive — to insure.
We found the Maserati Quattroporte, Maserati Ghibli, BMW M8 Gran Coupe, Audi RS7, and Mercedes-AMG EQS are the most expensive cars to insure in 2025, while the Honda CR-V, Honda HR-V, Volkswagen Tiguan, Hyundai Venue and Chevrolet Trailblazer are the least expensive.
National averages: How much you’ll pay by vehicle type
If you’re interested in how different vehicle types cost to insure, we broke out the average annual car insurance premiums across major vehicle categories:
National averages by vehicle type
- Hatchback: $2,335/year – Affordable and compact, hatchbacks are the least expensive to insure.
- Sedan: $2,403/year – Family sedans remain a popular choice, with moderate insurance premiums.
- SUV: $2,316/year – SUVs can cause more damage in an accident, but are safer and offer more protection to passengers.
- Hybrid: $2,578/year – Hybrids cost a bit more, likely due to their specialized parts and repair costs.
- Electric vehicle (EV): $3,174/year – EVs are pricier to insure due to costly battery systems and newer tech.
- Sports car: $3,530/year – Unsurprisingly, sports cars carry the highest average premiums thanks to their high-performance design and elevated risk profile.
Explore insurance costs by vehicle category
Dive deeper into each category’s costs for specific makes and models below.
- Cheapest SUVs to insure in 2025
- Cheapest sedans to insure in 2025
- Cheapest trucks to insure in 2025
- Cheapest sports cars to insure in 2025
Cheapest and most expensive green cars to insure
Hybrids and electric vehicles (EVs) are also known as green vehicles, and we’re seeing more on the road. In 2024, 1.3 million EVs were sold in the U.S., a 7.3% increase from the prior year.
Our data also show an increase in the number of hybrid vehicles on the market. In the 2023 dataset, we had 317 vehicle trims with a hybrid engine and 411 in the 2024 dataset.
EVs and hybrids are more expensive to insure than their gas-powered counterparts. Below, read more about the cheapest and most expensive models to insure.
If you’re curious about which cars are more or less expensive to insure, we have stories on that, too:
Speak with a friendly agent and get your quote in minutes!
Resources & Methodology
Sources
Kelley Blue Book. “America Set EV Sales Record in 2024.” Accessed May 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for around 3,000 2024 car models. Averages are calculated using data from seven large carriers, such as Allstate, AmTrust, Farmers, GEICO, Nationwide, Progressive and State Farm, in 10 ZIP codes per state. The rankings were based on each car model’s best-performing standard set of features.
Averages are based on full coverage for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.
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