Insurance premiums for a Polestar 2 average $240 monthly for full coverage and $123 for minimum coverage. Your specific trim and model year affect costs, with monthly premiums ranging from $102 to $331.
Polestar 2 Insurance Cost
Updated: May 18, 2026
Key Takeaways
GEICO offers the most affordable Polestar 2 insurance on average, though full coverage costs vary widely by model year and insurer, averaging $240 a month for most drivers. Read more.
The Polestar 2 ranks 45th out of 52 hatchbacks for insurance affordability, placing it in the expensive tier for its vehicle type. Hatchback insurance costs vary widely depending on performance, repair costs and vehicle value. Read more.
Your Polestar 2's model year makes a big difference in insurance rates, and this gap widens if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Polestar 2 model years based on driver age.
How Much Is Polestar 2 Insurance?
| Polestar 2 | $123 | $240 |
How old your car is can greatly affect insurance costs, and the Polestar 2 is no different. Newer Polestar 2s cost more to insure because of their higher fair market value, with premiums starting at $109 a month for older models and reaching $324 for the newest ones.
Insurance costs for a Polestar 2 depend on model year and company. Full coverage goes from $169 a month with GEICO to $305 with AIG, and minimum coverage spans $77 with GEICO to $145 with UAIC.
Polestar 2 owners should compare insurers since minimum coverage varies by over $68 and full coverage by over $136. Each company calculates risk differently for the Polestar 2, affecting your final quote.
| AAA | $141 | $292 |
| AIG | $177 | $445 |
| Allstate | $152 | $300 |
| Amica | $162 | $334 |
| Chubb | $169 | $340 |
| Farmers | $218 | $383 |
| Geico | $77 | $169 |
| Kemper | $128 | $264 |
| Nationwide | $106 | $185 |
| Progressive | $120 | $226 |
| State Farm | $111 | $231 |
| The Hartford | $120 | $205 |
| Travelers | $106 | $197 |
| UAIC | $165 | $207 |
Is Polestar 2 Expensive to Insure?
MoneyGeek's analysis of 52 hatchbacks places the Polestar 2 at 45th for insurance affordability, meaning only seven hatchback models cost more to insure. It sits between the slightly cheaper Chevrolet Cruze and the pricier Audi A5 among hatchbacks.
Hatchbacks rank among the more expensive vehicle types to insure. Among all 827 vehicles in MoneyGeek's database, the Polestar 2 ranks 647th for affordability. The Saab 9-3 is the most affordable hatchback to insure, and the Cadillac Celestiq is the most expensive in this category.
| Kia Forte | $156 | 42 |
| Polestar Dart | $160 | 43 |
| Chevrolet Cruze | $166 | 44 |
| Polestar 2 | $182 | 45 |
| Audi A5 | $196 | 46 |
| Audi S5 | $201 | 47 |
| Fiat 500 Abarth | $218 | 48 |
Several factors affect what you'll pay for Polestar 2 insurance:
- Average repair or replacement costs: Polestar 2 repair costs average $907 annually, making it the most affordable Polestar model to maintain out of four available models. This relatively low maintenance cost helps keep insurance premiums more reasonable.
- Vehicle trim, features and accessories: The Polestar 2's performance ranges from 231 to 476 horsepower, with 0-60 mph acceleration in just 4.1 seconds. Higher-performance trims cost more to insure because of higher repair costs and added risk factors.
- Driver profile: Most Polestar 2 drivers fall between 30 to 45 years old with a median age of 38. While this age group usually enjoys lower rates, the vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Polestar 2s for young drivers.
Polestar 2 Costs by Model Year and Driver Age by Insurance Company
Model year and driver age are two of the biggest factors in Polestar 2 insurance costs. A 35- to 55-year-old driver pays about $237 a month for full coverage on a 2021 Polestar 2 compared to $316 for a 2025 model, which shows that newer vehicles cost more to insure. Teen and early-20s drivers pay much higher premiums regardless of model year.
Compare insurers to lower your Polestar 2 insurance costs. GEICO consistently offers the lowest rates for all model years and could save certain drivers hundreds of dollars a month compared to average rates.
Recent model years:
Cost of Car Insurance for 2025 Polestar 2
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
2025 Polestar 2 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $894 | $816 | $751 | $637 | $539 | $351 | $325 | $304 | $287 | $257 |
| State Farm | $913 | $804 | $711 | $614 | $542 | $461 | $419 | $374 | $342 | $301 |
| Geico | $1,127 | $826 | $693 | $504 | $433 | $350 | $323 | $267 | $253 | $229 |
| Travelers | $1,375 | $996 | $788 | $609 | $538 | $395 | $361 | $334 | $308 | $266 |
| Allstate | $1,751 | $1,389 | $1,117 | $821 | $736 | $575 | $521 | $492 | $464 | $412 |
| Progressive | $1,937 | $1,573 | $1,307 | $727 | $635 | $511 | $456 | $408 | $375 | $323 |
| Farmers | $2,918 | $2,168 | $1,925 | $1,206 | $1,138 | $866 | $770 | $737 | $698 | $587 |
Cost of Car Insurance for 2024 Polestar 2
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
2024 Polestar 2 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $729 | $665 | $612 | $519 | $439 | $286 | $265 | $248 | $234 | $209 |
| State Farm | $790 | $695 | $614 | $531 | $468 | $398 | $362 | $323 | $295 | $260 |
| Geico | $908 | $665 | $559 | $406 | $349 | $282 | $260 | $215 | $204 | $185 |
| Travelers | $1,122 | $812 | $642 | $496 | $438 | $322 | $294 | $272 | $251 | $217 |
| Allstate | $1,383 | $1,097 | $883 | $649 | $582 | $455 | $412 | $390 | $367 | $326 |
| Progressive | $1,584 | $1,286 | $1,069 | $594 | $519 | $418 | $373 | $333 | $307 | $264 |
| Farmers | $2,362 | $1,755 | $1,558 | $975 | $920 | $700 | $622 | $595 | $564 | $475 |
Cost of Car Insurance for 2023 Polestar 2
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
2023 Polestar 2 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $925 | $847 | $779 | $662 | $559 | $363 | $337 | $314 | $297 | $266 |
| State Farm | $957 | $842 | $744 | $643 | $567 | $483 | $438 | $391 | $358 | $315 |
| Geico | $1,009 | $739 | $620 | $451 | $387 | $313 | $289 | $239 | $226 | $205 |
| Travelers | $1,246 | $899 | $710 | $548 | $484 | $356 | $325 | $300 | $277 | $240 |
| Allstate | $1,454 | $1,154 | $931 | $687 | $617 | $481 | $437 | $414 | $391 | $346 |
| Progressive | $1,720 | $1,392 | $1,155 | $641 | $560 | $452 | $402 | $360 | $331 | $285 |
| Farmers | $2,501 | $1,858 | $1,651 | $1,031 | $973 | $740 | $658 | $630 | $598 | $503 |
Cost of Car Insurance for 2022 Polestar 2
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
2022 Polestar 2 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $769 | $704 | $648 | $550 | $465 | $302 | $280 | $261 | $247 | $221 |
| State Farm | $802 | $706 | $624 | $539 | $476 | $405 | $367 | $328 | $300 | $264 |
| Geico | $828 | $606 | $509 | $370 | $318 | $257 | $237 | $196 | $186 | $168 |
| Travelers | $1,044 | $753 | $595 | $459 | $405 | $298 | $272 | $251 | $232 | $201 |
| Allstate | $1,213 | $963 | $776 | $573 | $514 | $401 | $364 | $345 | $326 | $288 |
| Progressive | $1,442 | $1,167 | $968 | $537 | $469 | $379 | $337 | $302 | $278 | $238 |
| Farmers | $2,084 | $1,549 | $1,375 | $859 | $810 | $616 | $548 | $524 | $498 | $419 |
Cost of Car Insurance for 2021 Polestar 2
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
2021 Polestar 2 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $769 | $677 | $598 | $517 | $456 | $388 | $353 | $315 | $288 | $254 |
| Nationwide | $825 | $757 | $696 | $591 | $500 | $324 | $301 | $281 | $265 | $238 |
| Geico | $846 | $620 | $521 | $379 | $325 | $263 | $242 | $201 | $190 | $172 |
| Travelers | $1,063 | $771 | $610 | $471 | $417 | $306 | $280 | $259 | $239 | $206 |
| Allstate | $1,296 | $1,026 | $824 | $605 | $543 | $425 | $385 | $364 | $343 | $304 |
| Progressive | $1,481 | $1,199 | $996 | $553 | $483 | $389 | $347 | $310 | $285 | $245 |
| Farmers | $1,988 | $1,477 | $1,312 | $819 | $773 | $586 | $522 | $499 | $474 | $399 |
Polestar 2 Insurance Cost by Trim
Polestar 2 insurance costs vary widely by trim, ranging from $102 a month for minimum coverage on Long Range Single Motor Hatchback 4D models to $331 for full coverage on BST Edition 270 Hatchback 4D variants. Performance features, rarity and market value drive these premium differences among trim levels.
| Long Range Single Motor Hatchback 4d | $102 | $198 |
| Launch Edition Hatchback 4d | $109 | $214 |
| Long Range Single Motor | $111 | $217 |
| Long Range Dual Motor Plus Hatchback 4d | $112 | $218 |
| Long Range Single Motor Plus | $116 | $226 |
| Long Range Dual Motor Hatchback 4d | $116 | $227 |
| Long Range Dual Motor Plus | $117 | $228 |
| Long Range Dual Motor | $129 | $252 |
| Long Range Dual Motor Performance & Plus | $129 | $252 |
| Long Range Dual Motor Performance Hatchback 4d | $135 | $264 |
| Long Range Single Motor Plus Hatchback 4d | $137 | $268 |
| Long Range Dual Motor Performance & Plus Hatchback 4d | $138 | $269 |
| Bst Edition 270 Hatchback 4d | $170 | $331 |
Polestar 2 Insurance Cost by State
Car insurance for a Polestar 2 costs anywhere from $52 per month in Wyoming to $248 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle itself.
| Alabama | $116 | $220 |
| Alaska | $81 | $174 |
| Arizona | $146 | $273 |
| Arkansas | $109 | $242 |
| California | $114 | $229 |
| Colorado | $120 | $290 |
| Connecticut | $163 | $280 |
| Delaware | $158 | $265 |
| Florida | $166 | $396 |
| Georgia | $166 | $274 |
| Hawaii | $63 | $142 |
| Idaho | $66 | $136 |
| Illinois | $107 | $200 |
| Indiana | $81 | $159 |
| Iowa | $79 | $189 |
| Kansas | $95 | $223 |
| Kentucky | $145 | $247 |
| Louisiana | $248 | $514 |
| Maine | $66 | $138 |
| Maryland | $190 | $322 |
| Massachusetts | $120 | $258 |
| Michigan | $198 | $386 |
| Minnesota | $103 | $217 |
| Mississippi | $129 | $254 |
| Missouri | $168 | $330 |
| Montana | $101 | $239 |
| Nebraska | $90 | $206 |
| Nevada | $195 | $352 |
| New Hampshire | $91 | $161 |
| New Jersey | $189 | $311 |
| New Mexico | $99 | $222 |
| New York | $140 | $252 |
| North Carolina | $104 | $204 |
| North Dakota | $80 | $177 |
| Ohio | $95 | $186 |
| Oklahoma | $118 | $262 |
| Oregon | $134 | $234 |
| Pennsylvania | $121 | $280 |
| Rhode Island | $149 | $266 |
| South Carolina | $121 | $227 |
| South Dakota | $75 | $232 |
| Tennessee | $97 | $198 |
| Texas | $143 | $290 |
| Utah | $122 | $209 |
| Vermont | $67 | $155 |
| Virginia | $120 | $192 |
| Washington | $105 | $197 |
| West Virginia | $109 | $222 |
| Wisconsin | $87 | $194 |
| Wyoming | $52 | $164 |
How to Lower the Cost of Polestar 2 Insurance
Lower your Polestar 2 insurance costs with these strategies:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Polestar 2 based on whether you own, finance or lease the vehicle. Drivers who own their vehicle can lower premiums with state minimum liability coverage plus comprehensive and collision insurance with a $1,000 deductible.
Drivers who want more protection can choose 100/300/100 liability limits with comprehensive and collision coverage and a $500 deductible. Financing or leasing a Polestar 2 usually requires 100/300/100 liability coverage, comprehensive and collision insurance with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for performance sedans. This helps you find the cheapest car insurance companies offering competitive rates for your Polestar 2.
- 3Look for more than just low rates
Find quality car insurance by evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget options may come with limited coverage or slower service when you need help most.
- 4Explore discounts you qualify for
Find car insurance discounts that apply to your situation. Polestar 2 owners often qualify for safety feature discounts, good driver rewards, bundling savings and electric vehicle incentives. These discounts can considerably reduce your premium costs and maintain comprehensive protection for your performance sedan.
- 5Consider alternative car insurance types
Polestar 2 owners may benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track your driving habits and offer premium reductions based on safe driving behavior, potentially saving you money and encouraging responsible driving.
- 6Check rates every year
Get car insurance quotes from several companies each year. Your insurer won't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Polestar 2 insurance. Regular comparisons help you get the best available rates for your coverage needs.
Polestar 2 Insurance Cost: Bottom Line
Polestar 2 insurance costs more than average, but you can still find decent rates. Comparing multiple insurers, claiming available discounts and adjusting coverage options will help you find competitive pricing.
Polestar 2 Insurance Rates: FAQ
What is the average cost of car insurance for a Polestar 2?
Polestar 2 insurance costs $1,477 a year for state minimum coverage and $2,880 for full coverage. These rates are considerably lower than national averages.
What company has the cheapest car insurance for a Polestar 2?
GEICO provides the most affordable auto insurance for a Polestar 2, offering minimum coverage at $923 a year. For full coverage, GEICO remains the best value option at $2,028 per year.
Is the Polestar 2 expensive to insure?
No, Polestar 2 insurance is not expensive compared to most vehicles. Among hatchbacks specifically, it ranks 45th out of 52 models, placing it in the upper tier for this vehicle category despite being affordable overall.
What factors affect Polestar 2 insurance costs?
Several factors affect Polestar 2 insurance costs, with your personal profile carrying the most weight. Your driving record and credit score considerably impact premiums, along with the coverage levels you select. The electric vehicle's advanced technology and repair costs also influence rates.
How can I lower Polestar 2 insurance costs?
Compare quotes from several insurers since Polestar 2 costs differ considerably between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with home or renters insurance and maintain a clean driving record to get lower rates.
How We Determined Polestar 2 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Polestar 2 insurance costs.
Who We Based These Rates On
These Polestar 2 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.