Compare Auto Insurance Rates by Vehicle Make and Model

Insurance rates by car are one of the biggest factors that affect auto insurance rates, as some cars are much more expensive to insure than others. For example, Honda auto insurance is typically cheaper, but some Hondas are more expensive than others, depending on the type of vehicle and the trim package. 

Another vital factor to consider is that some vehicles need higher auto insurance limits. It’s more expensive to repair a BMW, for example, and your BMW auto insurance might not pay for all of the repairs if your collision coverage limit is low.

Keep reading to learn more about insurance prices by car make and model and see how your vehicle affects your car insurance rates.

Auto Insurance Rates by Make and Model

There are many factors that affect auto insurance rates, such as your age, driving record, and vehicle. In addition, the type of vehicle, cost of repairs, and standard safety features all play a part in determining auto insurance rates by car.

For example, a Honda sedan is typically cheaper to insure than a BMW sedan, even though the vehicle type is the same. On the other hand, some vehicle types, such as sports cars, are more expensive to insure, no matter the brand.

Car manufacturers make various models to appeal to more customers. Some carmakers, like Ford, Chevrolet, and Toyota, include different vehicle types, such as sedans and trucks.

Select your car manufacturer from the list below to learn more about car insurance by make and model:

• Acura Auto Insurance
• Audi Auto Insurance
• BMW Auto Insurance
• Buick Auto Insurance
• Cadillac Auto Insurance
• Chevrolet Auto Insurance
• Chrysler Auto Insurance
• Dodge Auto Insurance
• Ferrari Auto Insurance
• Fiat Auto Insurance
• Ford Auto Insurance
• GMC Auto Insurance
• Honda Auto Insurance
• Hyundai Auto Insurance
• Infiniti Auto Insurance
• Jaguar Auto Insurance
• Jeep Auto Insurance
• KIA Auto Insurance
• Land Rover Auto Insurance
• Lexus Auto Insurance
• Lincoln Auto Insurance
• Mazda Auto Insurance
• Mercedes-Benz Auto Insurance
• Mercury Auto Insurance
• Mini Auto Insurance
• Mitsubishi Auto Insurance
• Nissan Auto Insurance
• Porsche Auto Insurance
• Scion Auto Insurance
• Smart Car Auto Insurance
• Subaru Auto Insurance
• Tesla Auto Insurance
• Toyota Auto Insurance
• Volkswagen Auto Insurance
• Volvo Auto Insurance

Since so many factors affect insurance rates, your vehicle is just one piece of the puzzle. However, it can make a difference in rates. So, before you buy a new car, check to see what your car insurance will cost. Then, determine if you need to buy a vehicle that’s less expensive to cover.

The Makes and Models That Are the Cheapest to Insure

Certain vehicles come with higher car insurance costs. For example, if you drive an expensive car, you’ll find it more costly to insure since repairs and replacement parts tend to be more expensive. 

Some manufacturers, such as Honda, Ford, and Toyota, are cheaper to insure than more expensive manufacturers such as BMW, Mercedes, and Jaguar. However, insurance rates by car make and model vary significantly by the insurer.

Drivers of luxury sports cars see their insurance rates significantly impacted. In addition, those vehicles are costly to repair, and drivers are more likely to speed and engage in risky driving.

On the other hand, vehicles with high safety ratings are cheaper to insure and typically have more affordable replacement parts.

Read More:

• Honda Auto Insurance 
• Ford Auto Insurance 
• Toyota Auto Insurance

The Cheapest Cars to Insure

While more than just your vehicle determines car insurance rates, some cars are cheaper to insure.

Hondas and Subarus are some of the cheapest cars to insure (read about Honda auto insurance and Subaru auto insurance). While some models increase insurance rates, overall rates for these car makes are low.

The Most Expensive Cars to Insure

While most cars are reasonable to insure, some makes and models come with sky-high car insurance rates. For example, car insurance for high end cars is significantly higher than for cheaper cars.

Insurance for luxury cars can easily be five or more times as expensive as for standard vehicles. So, you will not only spend a lot of money on these cars but also pay higher car insurance rates each month.

Your vehicle’s make, model, and trim level affect car insurance rates. For example, while more expensive models and trim levels typically come with more safety features, they are also more costly to repair.

Insurance rates by model and make vary by vehicle and insurer, but there are some factors to consider when choosing a car.

First, look at how much the car costs. Vehicles with foreign or custom parts cost more to repair, increasing car insurance rates. You may also need to raise your insurance limits to cover more expensive repairs.

Next, think about the car’s make. Sports cars are not only more expensive, but they’re also the most costly to insure. This is because drivers are more likely to speed and be in more accidents, which causes higher insurance rates.

Learn more: Auto Insurance for Sports Cars

Additionally, look at the vehicle’s safety ratings. Cars with higher safety ratings typically have lower insurance rates since fewer accidents occur. Insurance companies give discounts based on your vehicle’s safety features as an added benefit, which keeps rates low.

Finally, look at the theft rate for your vehicle. For example, the Ford F-150 is one of the most stolen vehicles in the U.S. Expect to pay higher comprehensive car insurance rates for vehicles that are stolen often.

How to Find the Make and Model of Your Car

Each car manufacturer creates its own car make and model names. So, you have to do some research to determine how your manufacturer names its vehicles.

What’s the difference between car make and model? Your car’s make is simply the brand, such as Ford, Honda, Toyota, etc.

The model can be a little more tricky to determine. Each car manufacturer makes multiple models. Think of it like a tree. The manufacturer is the tree trunk, and the models are limbs.

For example, Ford makes multiple models, such as the Focus, F150, and Mustang. Ford would be the tree trunk, and the Focus, F150, and Mustang would be the limbs.

There are several different ways to find your car’s make and model. First, it’s probably on the back of your vehicle. Car manufacturers love advertising and typically put the make and model information on the vehicle’s rear.

Next, you can look at your car’s manual. It will include information about your vehicle, as well as the make and model.

Finally, your vehicle registration has the information. The DMV requires your vehicle identification number (VIN) when registering a car, and prints out the information on your registration.

Trim Level Affects Auto Insurance Rates

If the car brand is the tree trunk, and the models are tree limbs, then the trim level would be the leaves. Each model has multiple trim levels, ranging from basic to all the bells and whistles.

Upgraded trim levels may increase car insurance rates since the components are more costly to repair or replace. For example, a basic car radio is relatively inexpensive to replace. However, a unit with Bluetooth and navigation is more expensive to replace.

Not only does an upgraded trim level increase the cost of the vehicle, but it also increases the car insurance rates for that vehicle. However, the leather seats or navigation system may be worth your added costs.

Vehicle Body Type Affects Auto Insurance

Yes, specific body types come with higher insurance rates. For example, convertibles with soft tops are easier to steal, and drivers tend to take more risks in sports cars.

How Auto Insurance Rates Vary by Vehicle Type

Car insurance companies also consider the type of vehicle you drive when calculating rates. 

Vehicle types include:

• Sports cars
• SUVs
• Trucks
• Sedans
• Minivans
• Electric
• Hybrid

Although some vehicle types, like electric cars, are more expensive to repair, they typically come with increased safety features and other savings.

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Keep in mind that some makes and models are cheaper to insure within these categories. For example, a Honda Accord is a sedan, and so is an Audi RS. However, Honda has significantly more affordable insurance rates (read about Honda Auto Insurance). 

Auto Insurance Rates by Make and Model: The Bottom Line

When you look at insurance by car, your vehicle’s make and model significantly impact car insurance rates. For example, expensive cars are more costly to repair and replace, so insurers charge higher rates. Additionally, the trim package for your vehicle may affect rates.

Typically, cheaper or older vehicles are less expensive to insure. However, safety ratings also impact rates. Therefore, choosing a safer car is not only better for you, but it also keeps your car insurance rates as low as possible.

Before you purchase a new vehicle, shop around to see which car insurance company offers the best rates for that specific make and model. You can use our free quote tool to compare the best rates for car insurance by make and model.