Insurance Rates for Your Vehicle

Vehicle manufacturers

How much does car insurance cost?

Choose your vehicle manufacturer from the list to get insurance rate information

How Vehicle Type Influences Car Insurance Cost

The type of vehicle you drive has a significant impact on how much you pay for insurance. Here's why different vehicles can have significantly different rates.

  • Higher-priced models cost more to replace if the vehicle is destroyed, considered a total loss. Claims of this nature could be either comprehensive (fire, theft, flood, or hail) or collision (impact or rollover). If you drive a high-priced vehicle, your insurance company will have to pay out more to replace your vehicle. This means higher comprehensive and collision rates on your policy.
  • If you have a claim and your vehicle is not a total loss, your insurance company will pay to have it repaired if you have full coverage. High-priced vehicles tend to have more expensive replacement parts, and may also require repairs to be done by a specific (and more expensive) dealer collision repair center. This also translates into higher insurance costs.
  • Vehicles with safety features like automatic braking, lane departure warning, blind spot monitors, and traction control have reduced frequency of claims. Drivers will pay reduced rates for both physical damage coverage and liability when insuring a vehicle with these options.
  • Insurance companies track both frequency and severity of liability claims for all vehicles. Models that have a tendency to have more frequent or more severe claims for bodily injury or property damage liability will have higher liability insurance rates. This is especially seen on larger 3/4 ton and 1-ton pickup trucks, which have some of the highest liability rates.
  • The performance level of your vehicle will also have an impact on rates. Higher performance vehicles not only cost more, but accidents tend to be more severe than lower-performance vehicles. This tends to push collision rates higher on vehicles that have above average horsepower or acceleration.
Make and ModelPremium
Chevrolet Silverado$1,468
Dodge Ram$1,292
Ford Escape$1,158
Ford Focus$1,344
Ford Fusion$1,468
Ford F-150$1,306
GMC Acadia$1,280
GMC Sierra$1,438
Honda Accord$1,298
Honda Civic$1,518
Honda CR-V$1,128
Honda Pilot$1,310
Hyundai Sonata$1,412
Kia Optima$1,438
Nissan Altima$1,424
Nissan Rogue$1,400
Toyota Camry$1,412
Toyota Corolla$1,384
Toyota Prius$1,274
Toyota RAV4$1,310

Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.

Insurance Rates by Vehicle Performance

The chart below demonstrates how performance level and liability rating can affect insurance prices.

View Chart as Image

Car insurance rates by vehicle performance level