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 create 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. Here's 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 takes the expensive tier: the La Voiture Noire costs $11,105 monthly and the Centodieci runs $7,996. Ferrari hypercars like the F80 and LaFerrari cost $3,200 to $3,500 monthly. Six-figure repair costs, high theft risk and limited parts availability push rates this high.

Insurance costs vary by vehicle, with the cheapest models costing 40% to 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 by vehicle type. Minimum coverage starts around $53 monthly and reaches $204, while full coverage ranges from $103 to $401.

Advanced safety technology and lower repair costs mean lower premiums. Luxury and high-performance vehicles cost more. Compact vans offer the most affordable premiums for minimum and full coverage.

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 explain these differences between brands.

Insurance companies evaluate dozens of factors when determining premiums for different vehicles, and the variation can be substantial. A luxury sedan might cost three times more to insure than a compact car, even when driven by the same person. Understanding these factors helps you anticipate insurance costs before purchasing a vehicle.

• Repair Costs and Parts Availability - Vehicles with expensive or hard-to-find parts drive up insurance premiums. Luxury brands like BMW, Mercedes-Benz, and Audi typically cost more to insure because replacement parts are pricier and repairs require specialized technicians. Vehicles with advanced technology components such as adaptive cruise control, lane-keeping assist, or 360-degree cameras face higher premiums because these systems are costly to repair or replace after an accident. Discontinued models from brands like Pontiac, Mercury, or Saturn often cost less to insure due to lower market values, though scarce parts can eventually increase repair costs.
• Theft Rates - Vehicles frequently targeted by thieves command higher insurance premiums. The Honda Civic, Honda Accord, and pickup trucks like the Ford F-Series and Chevrolet Silverado consistently appear on most-stolen vehicle lists. Thieves target these vehicles because their parts have strong resale value. Insurance companies track theft statistics by make, model, and year to adjust premiums accordingly.
• Safety Features and Crash Protection - Vehicles with strong safety ratings from the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS) typically earn lower premiums by reducing injury claims. Modern safety features like automatic emergency braking and blind-spot monitoring can lower premiums by preventing accidents. However, these same features are expensive to repair or recalibrate after collisions, creating a balancing effect on rates.
• Vehicle Characteristics - Vehicle type significantly impacts insurance costs. Sports cars and coupes cost more to insure than sedans or minivans due to associations with riskier driving. Two-door vehicles carry higher premiums than four-door versions. Compact vans have the lowest insurance costs due to their family-oriented use. Newer vehicles cost more to insure than older models because of higher replacement values,a 2025 Honda Accord costs more to insure than a 2015 model due to depreciation. Additionally, vehicles with powerful engines face higher premiums; a Toyota Camry with a V6 costs more to insure than the four-cylinder version.

Your car's brand, body type and model all affect insurance premiums. Average costs vary across automakers, vehicle types and specific models, with clear cheapest options for each vehicle.

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.