Insurance Rates by Vehicle Make and Model

Depending on the automaker, a minimum coverage policy may cost around $73 per month to $8,74 per year for state minimum liability only coverage. For full coverage, average rates average $198 monthly to $2,376 annually.

Some brands may cost more to insure than others due to performance capabilities, repair costs, safety ratings and claims frequency. 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.

Car insurance premiums may vary by vehicle type, with average annual rates ranging from $932 to $1,190 for minimum coverage and $1,910 to $3,975 for full coverage.

Differences in rates are due to size, safety features and the likelihood of being involved in a claim. On average, minivans are the cheapest to insure, and luxury electric cars are the most expensive. Use the table below to compare the average rates for different vehicle types.

Car insurance costs can also vary widely by vehicle make and model. The cost of a minimum coverage policy ranges from $777 to $1,375 per year. Full coverage policies cost around $1,787 to $4,910 per year, depending on the car.

Those with advanced safety tech and lower repair costs come with lower premiums, while luxury models and high-performance vehicles tend to cost more to insure. Generally, the Chevrolet Corvette has the most affordable premiums for minimum coverage, and the Subaru Outback has the lowest rates for full coverage policies. Check the table below for the average car insurance rates for different car makes and models.

Sports cars and luxury vehicles dominate the list of most expensive cars to insure, with monthly premiums ranging from $413 to $480. High-end performance vehicles like the Audi R8 GT top the list at $480 monthly, while electric luxury cars like the Lucid Air models also command premium rates.

Surprisingly, several sports cars make the list of cheapest vehicles to insure, with monthly premiums between $61 and $64. The Mazda MX-5 Miata Sport leads with the lowest average monthly rate at just $61.

While your vehicle plays a significant role in determining car insurance premiums, insurance providers evaluate several other factors. Your driving history, age, location and even how often and how far you drive can 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:

• 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 your car insurance premiums. In this guide, 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.

We calculated car insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile: 

• 40 years old
• Good credit
• No driving violations
• 12,000 miles driven annually

Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.

How We Chose Best and Cheapest Car Insurance for 40-Year-Olds

To calculate the best car insurance, MoneyGeek used a comprehensive scoring system based on five key factors:

• Customer satisfaction (35%): Measured using J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
• Affordability (30%): Assessed by comparing rates from Quadrant Information Services
• Claims (20%): Evaluated through the J.D. Power Claims Study and CRASH Report Card
• Coverage (10%): Focused on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
• Stability (5%): Determined by AM Best ratings on financial health

Data Sources

• AM Best: Financial strength ratings for insurers
• J.D. Power: Industry research and analytics
• NAIC: Consumer complaint and insurance data
• Quadrant Information Services: Car insurance pricing and comparative data

Analysis

MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.

Coverage Levels and Deductibles

• Minimum coverage: Covers damage to other's property
• Full coverage: Includes comprehensive (e.g., fire, weather) and collision (e.g., accidents) insurance
• Deductibles: Out-of-pocket costs before insurance payment starts

The term 100/300/100 means:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability