Updated: November 3, 2025
Advertising & Editorial Disclosure
Isuzu has the cheapest car insurance among major automakers at $66 monthly for minimum coverage and $127 for full coverage.
Compact vans cost less to insure than other vehicle types, averaging $53 monthly for minimum coverage and $103 for full coverage.
The Isuzu Amigo has the lowest average cost at $50 per month for minimum coverage, while the Subaru Outback offers the cheapest full coverage at $96 per month.
Your vehicle plays a major role in determining auto insurance costs. Monthly premiums range from $75 to $123 for minimum coverage and $145 to $241 for full coverage.
Vehicle size, safety features and claim likelihood affect rates. Minivans are cheapest to insure, while luxury cars cost the most. The table below compares rates for 2025's most popular vehicles.
| 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 most expensive list, with monthly premiums from $1,612 to $13,879. The Rolls Royce Arcadia tops the list at $27,541 monthly for full coverage, while 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 |
One luxury brand makes the cheapest list, with monthly premiums between $50 and $108. The Mercedes Benz B-Class costs only $55 monthly for minimum coverage.
| Isuzu | Amigo | $50 | $96 |
| Dodge | Stratus | $52 | $101 |
| Buick | Encore Gx | $52 | $101 |
| Nissan | Nv200 | $53 | $103 |
| Isuzu | Rodeo | $54 | $103 |
| Mercedes | B-Class | $55 | $108 |
| Dodge | Neon | $55 | $107 |
| Isuzu | Trooper | $57 | $109 |
| Pontiac | Grand Am | $59 | $113 |
| Volvo | V40 | $59 | $114 |
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.
| 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 |
Isuzu offers the most affordable insurance, averaging $66 monthly for minimum coverage and $127 for full coverage—about 25% below the national average. Mercury and Alfa Romeo follow with slightly higher rates, averaging $67 for minimum coverage and up to $132 for full coverage.
Midrange brands like Pontiac, Suzuki and SMART cost around $73 monthly for minimum coverage and $140 for full, roughly 13% above average. These moderate differences often reflect model age and replacement parts costs.
Chrysler and Honda sit near the national average at $82 monthly, while GMC and Chevrolet average $83 for minimum coverage and $160 for full coverage. Brand reliability, repair costs and model variety shape insurance pricing across automakers.
| 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% |
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:
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.
Car insurance follows the vehicle in most states, not the driver. If someone else drives your insured car with permission and gets into an accident, your coverage applies.
Companies consider vehicles eligible for classic car insurance at 25 years old. Specific requirements vary by provider, but most insurers require good condition and limited daily commuting use.
Yes, you can transfer car insurance to another vehicle by notifying your insurance provider. Your premium changes depending on your new car's make and model.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
