Insurance Rates by Vehicle Make and Model (January 2026)

Your vehicle choice affects your insurance premium more than you might expect. A Tesla Model Y costs $241 monthly for full coverage, 66% more than a GMC Sierra 1500 at $145 monthly. Monthly premiums range from $75 to $123 for minimum coverage and $145 to $241 for full coverage across 2025's most popular vehicles.

Vehicle size, safety features, theft rates and repair costs drive these differences. Trucks like the GMC Sierra 1500 and Chevrolet Silverado 1500 cost less to insure than crossovers, while electric luxury vehicles command the highest premiums. The table below shows what you'll actually pay for America's best-selling vehicles.

Ultra-luxury and hypercar brands command astronomical insurance costs. The Rolls-Royce Arcadia tops the list at $27,541 monthly for full coverage, more than most people's annual salary. Bugatti models dominate the expensive tier, with the La Voiture Noire costing $11,105 monthly and the Centodieci running $7,996. Ferrari hypercars like the F80 and LaFerrari cost $3,200-$3,500 monthly. These extreme rates reflect six-figure repair costs, high theft risk and limited parts availability.

Insurance costs vary dramatically by vehicle, with the cheapest models costing 40-50% less than luxury sports cars. Isuzu models dominate the affordable list, with the Amigo leading at $50 monthly for minimum coverage. One luxury brand breaks the pattern: the Mercedes-Benz B-Class costs only $55 monthly despite its premium badge. Discontinued models like the Dodge Stratus and Pontiac Grand Am also cost less to insure because thieves don't target them and replacement values stay low.

Insurance costs vary considerably by vehicle type. Minimum coverage starts around $53 monthly and reaches $204, while full coverage ranges from $103 to $401.

Vehicles with advanced safety technology and lower repair costs have lower premiums. Luxury models and high-performance vehicles cost more to insure. Compact vans offer the most affordable premiums for both minimum and full coverage policies.

Isuzu costs the least to insure at $66 monthly for minimum coverage and $127 for full coverage, running about 25% below the national average. Mercury and Alfa Romeo run slightly higher at $67 for minimum coverage and $132 for full coverage.

Pontiac, Suzuki and SMART fall in the midrange at $73 monthly for minimum coverage and $140 for full coverage. These brands cost roughly 13% more than the cheapest options, largely due to older model availability and replacement parts expenses.

Chrysler and Honda hover near the national average at $82 monthly. GMC and Chevrolet cost $83 for minimum coverage and $160 for full coverage. Repair costs, parts availability and theft rates drive these differences between brands.

Below you can find personalized car insurance costs for your vehicle model with our tailored resources:

Your car isn’t the only thing that affects what you pay for insurance. Companies also look at your driving record, age, where you live and even how often and how far you drive when setting your rates.

If you want the best deal for your situation, start by comparing average premiums in these categories:

• Best Car Insurance for Teens
• Best Car Insurance for Young Drivers
• Best Cheap Car Insurance for Seniors
• Best Car Insurance for Delivery Drivers
• Best Car Insurance for Teachers
• Best Cheap Car Insurance for Police Officers
• Car Insurance for First Responders
• Car Insurance for Government Employees
• Car Insurance for Military and Veterans
• Best Car Insurance for Leased Cars

Your car's brand, body type and model all factor into insurance premiums. We explored average costs across automakers, vehicle types and specific models, identifying the cheapest companies for each vehicle. 

If you're shopping for a new car or comparing insurance quotes, consider how your vehicle choice affects long-term insurance costs.

If you’ve ever wondered why your car’s make or model changes your insurance rate, these common questions can help clear things up.