Updated: May 15, 2025
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State Farm offers the lowest rates for sedan insurance with minimum coverage at $427 per year and full coverage at $1,249.
The Subaru Outback is the cheapest sedan to insure at $1,083 annually for full coverage.
Your age, location, driving history and coverage level can affect costs by hundreds or thousands of dollars.
Car insurance for sedans varies widely depending on your age and coverage level. In 2025, full coverage can range from around $1,523 per year at age 65 to over $7,328 per year at age 16, while minimum coverage costs are significantly lower. In the following sections, we break down average premiums by driver age, vehicle make and model, and coverage type to help you understand what to expect.
Younger drivers pay significantly more for sedan insurance. A 16-year-old averages $611 monthly ($7,328 annually) for full coverage, while drivers in their 60s pay about $127 monthly. This difference exists because insurers consider younger drivers higher risk due to limited experience. The table below shows how premiums vary by age for both minimum and full coverage.
| 16 | $252 | $3,026 | $611 | $7,328 |
| 21 | $82 | $987 | $214 | $2,565 |
| 25 | $60 | $718 | $157 | $1,890 |
| 35 | $53 | $632 | $137 | $1,647 |
| 45 | $52 | $621 | $132 | $1,585 |
| 65 | $52 | $627 | $127 | $1,523 |
| 75 | $63 | $754 | $149 | $1,791 |
Insurance costs can vary widely depending on the make and model of your sedan. Affordable options like the Subaru Outback and Subaru Legacy have some of the lowest premiums, while luxury or high-performance models such as the BMW 7 Series and Tesla Model 3 tend to be more expensive. The table below shows average monthly and annual premiums by vehicle.
| Subaru Outback | $71 | $856 | $149 | $1,787 |
| Subaru Impreza | $78 | $933 | $170 | $2,039 |
| Subaru Legacy | $77 | $919 | $170 | $2,042 |
| Ford Taurus | $83 | $993 | $171 | $2,048 |
| Honda Accord | $82 | $983 | $174 | $2,082 |
| Honda Insight | $80 | $963 | $175 | $2,102 |
| VW Passat | $81 | $968 | $176 | $2,107 |
| Toyota Camry | $82 | $989 | $176 | $2,109 |
| Nissan Sentra | $89 | $1,066 | $183 | $2,191 |
| Chevy Malibu | $86 | $1,031 | $183 | $2,196 |
| Nissan Altima | $87 | $1,040 | $190 | $2,274 |
| Nissan Maxima | $83 | $996 | $204 | $2,452 |
| BMW 3 Series | $82 | $986 | $209 | $2,505 |
| Audi A4 | $81 | $974 | $214 | $2,565 |
| Mercedes C-Class | $76 | $908 | $214 | $2,568 |
| BMW 5 Series | $81 | $974 | $228 | $2,737 |
| Kia Stinger | $82 | $978 | $237 | $2,844 |
| BMW 4 Series | $75 | $901 | $240 | $2,883 |
| Tesla Model 3 | $79 | $950 | $258 | $3,094 |
| Mercedes AMG C 63 | $78 | $942 | $258 | $3,101 |
| BMW 7 Series | $100 | $1,202 | $311 | $3,733 |
You could save up to $2,650 per year by choosing a lower-cost sedan to insure. For example, full coverage insurance for a Subaru Outback averages around $1,083 annually, compared to over $3,733 for the BMW 7 Series.
Luxury sedans tend to have higher insurance premiums due to their repair costs, features and theft risk. In 2025, average full coverage for a luxury sedan is around $2,898 per year, compared to under $2,000 for many mainstream models. Minimum coverage averages about $980 annually.
| Luxury Sedan | $82 | $980 | $242 | $2,898 |
Some insurers offer significantly lower rates for sedan coverage than others. For full coverage, choosing a low-cost provider like State Farm could help you save up to $670 per year compared to more expensive companies like Farmers. In the sections below, we break down the cheapest insurers for sedans so you can find coverage that fits your needs and budget.
State Farm offers the lowest minimum coverage at $427 annually, over $220 less than the most expensive major insurer we reviewed. For full coverage, State Farm ($1,249/year) and GEICO ($1,365/year) provide the most affordable options.
| State Farm | $36 | $427 | $104 | $1,249 |
| GEICO | $38 | $454 | $114 | $1,365 |
| Nationwide | $52 | $628 | $130 | $1,565 |
| Travelers | $45 | $544 | $131 | $1,567 |
| Allstate | $51 | $617 | $147 | $1,761 |
| Progressive | $51 | $617 | $147 | $1,762 |
| Farmers | $54 | $650 | $160 | $1,919 |
Minimum coverage is the most affordable option, but it usually only covers damage you cause to others — not your own car. Full coverage includes both liability and protection for your sedan in case of accidents, theft or weather damage. If your car is newer or still under a loan, full coverage may offer better long-term value and peace of mind.
The cheapest sedan insurance rates by age group all come from State Farm, but the actual savings vary. Younger drivers still pay more overall — for example, a 16-year-old pays around $1,623 per year for minimum coverage, while a 65-year-old pays just $449. The table below shows how costs shift with age, even among the most affordable providers.
| 16 | State Farm | $135 | $1,623 | $333 | $3,998 |
| 25 | State Farm | $47 | $565 | $125 | $1,500 |
| 35 | State Farm | $40 | $481 | $105 | $1,256 |
| 45 | State Farm | $40 | $481 | $103 | $1,238 |
| 65 | State Farm | $37 | $449 | $95 | $1,135 |
| 75 | State Farm | $43 | $521 | $107 | $1,283 |
These five sedans have the lowest average insurance costs among all models reviewed. The Subaru Outback leads the list, with full coverage averaging just $1,083 per year. Other affordable picks include the BMW 4 Series and Mercedes C-Class, which offer relatively low premiums for luxury models. The table below shows both minimum and full coverage costs, giving you a clear picture of which sedans are the most budget-friendly to insure.
| Subaru Outback | $43 | $514 | $90 | $1,083 |
| Subaru Impreza | $46 | $557 | $102 | $1,229 |
| Subaru Legacy | $46 | $550 | $103 | $1,232 |
| Mercedes C-Class | $45 | $542 | $127 | $1,528 |
| BMW 4 Series | $45 | $535 | $142 | $1,709 |
There are practical ways to lower the cost of insuring your sedan. The tips below cover how to adjust your coverage, take advantage of discounts and choose a policy that fits your budget.
Rates can vary dramatically between providers — sometimes by hundreds of dollars a year for the same coverage. Shop around: use car insurance comparison tools or work with an independent agent to get personalized quotes. Even if you’ve been with the same insurer for years, checking rates annually can uncover serious savings.
If your sedan is older or fully paid off, you may not need full coverage anymore. Dropping collision or comprehensive could lower your premium significantly, especially if the car’s value is less than what you're paying in premiums and deductibles. But make sure you're comfortable paying out of pocket if something happens to your vehicle.
Raising your deductible — the amount you pay before insurance kicks in — can reduce your monthly or annual premium. Many drivers choose a $500 or $1,000 deductible for a good balance of savings and financial risk. Be sure you have enough set aside in case you need to cover it unexpectedly.
Many providers offer car insurance discounts for safe driving, bundling multiple policies, installing anti-theft devices, or even just paying your premium in full. Ask your provider about available discounts and eligibility.
If you don’t drive your sedan often, a usage-based or pay-per-mile insurance program could lower your rates. These programs track how much and how safely you drive, often through a mobile app or plug-in device. They’re a smart option for remote workers, retirees or anyone with a short commute.
If you rely on your sedan daily or have a newer model, it may be worth adding extra protection beyond standard liability and full coverage. These optional coverages can help cover gaps, reduce out-of-pocket expenses, and protect your car’s full value in specific situations.
If you lease or finance your sedan, gap insurance covers the difference between your loan balance and your car’s actual cash value if it’s totaled. Sedans lose value quickly in the first few years, so this can prevent you from paying thousands out of pocket on a car you no longer drive.
This coverage pays for a rental car while your sedan is being repaired after a covered accident. It’s especially useful if you don’t have another vehicle to use and rely on your car for work, school or errands.
From dead batteries to flat tires or lockouts, roadside assistance gives you quick help when you’re stuck. It’s typically low-cost and worth it for the peace of mind, especially if you drive long distances or commute daily.
If your sedan is totaled within the first year or two, this coverage replaces it with a brand-new version — not the depreciated value. It’s ideal if you just bought a car and want full protection from early loss.
If you’ve upgraded your wheels, sound system, or other aftermarket parts, standard policies may not fully cover those. Custom equipment coverage protects non-factory additions in case of theft or damage.
Covers windshield and glass damage without requiring a full comprehensive claim. Useful for drivers in areas with frequent road debris or extreme weather.
If your sedan is newer, OEM parts coverage ensures that repairs use original parts from the manufacturer instead of cheaper aftermarket components. This helps preserve performance and resale value.
In this page, we broke down the cost of sedan insurance by age, model, and provider — and showed how rates can vary by over $2,600 per year. If you're shopping for a policy, compare quotes across companies and factor in the car you drive.
Full coverage offers more protection, especially for newer sedans, but optional add-ons like gap or rental coverage can also make a difference. The right coverage isn't always the cheapest — the right coverage fits your situation.
These common questions address confusion points about car insurance terminology to help you better understand your policy and coverage options.
It can be. Sedans generally cost less to insure than SUVs or luxury vehicles, especially if they have strong safety ratings and lower repair costs. That said, factors like your age, driving history and coverage level still play a bigger role in your final premium.
Based on our data, the Subaru Outback is the cheapest sedan to insure, with full coverage averaging around $1,083 per year. It’s followed by models like the Subaru Impreza and Subaru Legacy, which also have relatively low insurance costs.
Several factors influence your premium, including your age, location, driving history, credit score and the specific make and model of your sedan. Insurers also consider your coverage level, deductible, and whether you’ve added extras like roadside assistance or rental reimbursement.
We calculated Sedan insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
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.
To calculate the best car insurance for Sedans, MoneyGeek used a comprehensive scoring system based on five key factors:
Data Sources
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
The term 100/300/100 means:
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.
