Updated: October 9, 2025
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Among well-known automakers, Saturn often has the cheapest car insurance premiums at $63 per month for minimum coverage and $122 per month for full coverage.
Compact vans cost less to insure than other vehicle types. A minimum coverage policy costs an average of $53 monthly, while a full coverage plan costs $103 per month.
Based on make and model, the Saturn S-Series has the lowest average car insurance cost at $50 per month for minimum coverage. The Subaru Outback has the cheapest full coverage rate at $96 monthly.
Car insurance premiums vary by a car's make and model, with average monthly rates ranging from $75 to $123 for minimum coverage and $145 to $241 for full coverage.
Size, safety features and claim likelihood affect insurance rates. On average, minivans are the cheapest to insure, and luxury cars are the most expensive. The table below compares average rates for the most popular vehicles in 2025.
| GMC | Sierra 1500 | $75 | $145 |
| Chevrolet | Equinox | $79 | $152 |
| Ford | F-150 | $80 | $155 |
| Chevrolet | Silverado 1500 | $82 | $158 |
| Ram | 1500 | $86 | $167 |
| Toyota | Camry | $90 | $175 |
| Honda | Cr-V | $92 | $178 |
| Toyota | Rav4 | $92 | $178 |
| Toyota | Tacoma | $96 | $187 |
| Tesla | Model Y | $123 | $241 |
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Sports cars and luxury vehicles dominate the list of most expensive cars to insure, with monthly premiums ranging from $13,879 to $1,612. High-end performance vehicles like the Rolls Royce Arcardia top the list with a whopping $27,541 monthly premium for a full coverage policay, while sports luxury cars like the Ferrari models also command premium rates.
| Rolls Royce | Arcadia | $13,879 | $27,541 |
| Rolls Royce | La Rose Noire | $13,879 | $27,541 |
| Bugatti | La Voiture Noire | $5,596 | $11,105 |
| Bugatti | Centodieci | $4,029 | $7,996 |
| Bugatti | Divo | $2,552 | $5,064 |
| Bugatti | Mistral | $2,409 | $4,780 |
| Bugatti | Tourbillion | $2,059 | $4,087 |
| Ferrari | F80 | $1,757 | $3,487 |
| Ferrari | Laferrari | $1,640 | $3,254 |
| Ferrari | F60 | $1,612 | $3,198 |
Surprisingly, one luxury brand makes the list of cheapest vehicles to insure, with monthly premiums between $50 and $108. The Mercedes Benz B-Class makes it to the 10 cheapest cars to insure with only $55 monthly premium for a minimum coverage policy.
| Saturn | S-Series | $50 | $96 |
| Isuzu | Amigo | $50 | $96 |
| Buick | Encore Gx | $52 | $101 |
| Dodge | Stratus | $52 | $101 |
| Nissan | Nv200 | $53 | $103 |
| Isuzu | Rodeo | $54 | $103 |
| Saab | 9-5 | $54 | $104 |
| Dodge | Neon | $55 | $107 |
| Mercedes | B-Class | $55 | $108 |
| Saturn | L-Series | $56 | $107 |
Insurance costs can also vary widely by vehicle type. The cost of a minimum coverage policy ranges from $53 to $204 per month. Full coverage policies cost around $103 to $401 per month, depending on the car.
Vehicles with advanced safety technology and lower repair costs have lower premiums, while luxury models and high-performance vehicles cost more to insure. Generally, the compact vans have the most affordable premiums for minimum coverage and full coverage policies. The table below shows average car insurance rates for different vehicle types.
| Compact Vans | $53 | $103 |
| Wagons | $82 | $159 |
| Vans | $85 | $164 |
| Coupes | $89 | $172 |
| Pickup Trucks | $93 | $180 |
| Other | $95 | $184 |
| Sedans | $97 | $188 |
| Convertibles | $98 | $191 |
| Hatchbacks | $104 | $201 |
| SUVs | $109 | $212 |
| Sports Cars | $204 | $401 |
Depending on the automaker, state minimum liability only coverage may cost around $73 per month to $874 per year. For full coverage, the average rate is $198 monthly to $2,376 annually.
Performance capabilities, repair costs, safety ratings and claims frequency affect insurance rates. MINI has the most affordable premiums at $822 per year for minimum coverage and $1,954 per year for full coverage. The table below highlights different automakers' average rates for minimum and full coverage policies.
| Saturn | $63 | $122 | 30% |
| Saab | $64 | $124 | 28% |
| Isuzu | $66 | $127 | 25% |
| Mercury | $67 | $129 | 22% |
| Alfa Romeo | $67 | $132 | 20% |
| Pontiac | $73 | $140 | 13% |
| Suzuki | $73 | $140 | 13% |
| SMART | $73 | $140 | 13% |
| Chrysler | $82 | $159 | 0% |
| Honda | $82 | $159 | 0% |
| GMC | $83 | $160 | -1% |
| Chevrolet | $83 | $160 | -1% |
While your vehicle plays a significant role in determining car insurance premiums, insurance providers evaluate several other factors. Your driving history, age, location and how often and how far you drive impact your costs.
Shopping around can help you find the best rate for your profile. You can start your search by comparing average premiums in these categories:
Your car's brand, body type and model all factor into your car insurance premiums. We explored the average car insurance costs for different automakers, vehicle types, makes and models. We also determined the cheapest companies for each vehicle. If you're shopping for a new car or comparing car insurance quotes, consider how your choice of vehicle can affect what you’ll pay over time for insurance.
Below, we answer common questions about car insurance to help you understand how your choice of vehicle can affect your rates.
In most states, car insurance follows the vehicle, not the driver. If someone else drives your insured car with permission and gets into an accident, your insurance typically applies.
Insurance companies consider a vehicle eligible for classic car insurance if it is at least 25 years old. Specific requirements vary by provider, but most insurers require the car to be in good condition and not be used for daily commuting.
Yes, you can transfer car insurance to another vehicle. You just need to notify your insurance provider of the change. Your premium changes depending on your new car.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
