Car Insurance by Make and Model in 2025

Your car’s make and model impact your premium based on repair costs, safety ratings, engine size, and market value. Expensive or high-performance vehicles typically cost more to insure.

Luxury vehicles, electric cars, and sports cars are usually the most expensive due to high purchase prices, costly repairs, and higher theft risk.

Compact sedans, minivans, and standard SUVs are generally the least expensive because they have lower market value, affordable repairs, and strong safety features.

Sports and luxury cars have higher market values, expensive replacement parts, higher engine capacities, and are often targeted for theft, increasing insurance costs.

Yes, EVs often cost more to insure because repairs require specialized parts and trained technicians, and their market value is generally higher than standard vehicles.

You can lower your car insurance by choosing a vehicle with a lower market value, strong safety ratings, and low theft risk. Adding anti-theft devices, keeping your car well-maintained, and driving safely to maintain a clean record can also help reduce your premium. Additionally, bundling policies or opting for higher deductibles can further lower your costs.

Generally, yes. Larger SUVs can be more expensive to repair and may have higher theft or accident risk than smaller sedans, which affects premiums.

Yes, newer cars usually cost more to insure due to higher market value and repair costs, while older cars may have lower premiums but less coverage protection.

Absolutely, by providing your car’s make, model, year, and condition, a USA Auto agent can give you a customized insurance quote.

It’s recommended to review your coverage annually or whenever your car’s market value changes significantly to ensure you have adequate protection at a fair rate.