Insurance Rates by Vehicle Make and Model (2026)

Monthly full coverage premiums range from $100 to $115 across the most popular vehicles on the road today. That $15 spread looks small but it compounds. The difference between the cheapest and most expensive vehicle in this group adds up to $180 a year for the same driver with the same record.

Trucks consistently cost less to insure than crossovers and SUVs of similar size. The Ford F-150 at $107 a month costs less than the Ford Explorer at $113, even though the Explorer is lighter and smaller. Repair costs, theft rates and claims history for each specific model drive those differences more than vehicle size alone.

Rates are based on average quotes we analyzed from 79 insurers across every U.S. ZIP code. The figures above reflect insurance rates by car make and model for a clean-record adult driver.

Rolls-Royce and Bugatti lead on cost by a wide margin. The Rolls-Royce Arcadia and La Rose Noire each average $27,541 a month for full coverage, more than most drivers earn in a year. Six-figure repair costs, extreme replacement values and parts that are nearly impossible to source after a total loss drive rates this high. Bugatti models fill the next tier, with the La Voiture Noire averaging $11,105 a month. Ferrari hypercar insurance runs $3,200 to $3,500 a month for models like the F80 and LaFerrari.

The Rolls-Royce Arcadia and La Rose Noire share the same full coverage rate of $27,541 a month, the highest in our analysis. Both models carry extreme replacement values and rely on parts that are nearly impossible to source after a total loss.

The Isuzu Amigo costs $50 a month for minimum coverage and $96 for full coverage, the lowest in our analysis. Discontinued and low-volume models fill this list because they carry minimal theft appeal and low resale value, regardless of their original brand positioning.

The Mercedes-Benz B-Class is the clearest example of how market value overrides brand name. Despite the Mercedes badge, it averages $55 a month for minimum coverage. Mercedes sold the B-Class in the U.S. from 2014 to 2017, with fewer than 3,700 units total. Thieves don't target it, and its replacement value is low. Insurers price accordingly. Other discontinued models like the Dodge Stratus and Pontiac Grand Am cost less for the same reason.

Compact vans are the cheapest vehicle type to insure at $53 a month for minimum coverage and $103 for full coverage. Insurers associate them with low-risk, family-oriented driving and low theft rates. Sports cars sit at the opposite end at $204 for minimum and $401 for full coverage, nearly four times the compact van rate.

The SUV-to-sedan gap is worth knowing before you buy. SUVs average $212 a month for full coverage versus $188 for sedans, a $24 monthly difference that adds up to $288 a year for the same driver with the same coverage.

Compare rates for car insurance for sedans and car insurance for minivans to find the cheapest coverage for your vehicle type.

Isuzu costs the least to insure at $66 a month for minimum coverage and $127 for full coverage, about 25% below the national average. The data shows that brand prestige is a poor predictor of insurance cost. Alfa Romeo and Mercury both average $67 a month for minimum coverage: one is a current Italian luxury brand, the other is discontinued.

Tesla costs $258 a month for full coverage, less than Porsche at $277, because Porsche's repair costs and parts run higher despite Tesla's higher sticker price on many models. Bugatti averages $3,594 a month, more than eight times Ferrari's $443, because Bugatti's insured models include vehicles worth $10 million or more.

Our rate analysis across every automaker shows that repair cost, theft exposure and fleet value affect premiums more than brand prestige. Alfa Romeo and Mercury insurance prices are the same at $67 monthly, despite one being a current Italian luxury brand and the other being discontinued. 

Tesla costs $258 monthly for full coverage, less than Porsche at $277, because Porsche's repair costs and parts run higher despite Tesla's higher sticker price on many models. Bugatti averages $3,594 monthly, more than eight times Ferrari's $443, because Bugatti's insured models include vehicles worth $10 million or more while Ferrari's fleet skews toward the $200,000 to $500,000 range.

Four factors explain most of the premium differences between vehicles. Insurers price by what a vehicle costs when something goes wrong, not by badge or sticker price.

Your car choice shapes your insurance rate before your driving record, credit score or age enter the calculation. A sedan costs $288 a year less than an SUV for full coverage on average. A pickup truck costs $221 less per year than a sports car. These are real differences worth factoring into the total cost of ownership before you buy.

After purchasing, compare quotes from at least three insurers. The same vehicle produces different rates at different carriers, and the spread between the cheapest and most expensive option for the same car can exceed $600 a year.