Auto Insurance Rates by Vehicle in 2025 ($25/mo for Chevys!)
When you compare auto insurance rates by vehicle, sedans get the best quotes starting at $46 per month. The main categories of car insurance by vehicle type include sedans, hatchbacks, SUVs, crossovers, pickups, and sports cars. Pickups and sports cars often cost more to insure, starting at $60 a month.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 13, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Sep 13, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
Auto insurance rates by vehicle vary widely, with sedans and compact SUVs like the Toyota RAV4 among the cheapest to insure, while pickups, sports cars, and high-performance EVs cost more due to higher repair and liability risks.
Understanding how vehicle choice impacts coverage costs can help drivers find the cheapest car insurance at the right price. If you drive a high-risk vehicle, maintain a clean driving record, and compare insurance rates by car model online to get better rates.
- Sedans have the cheapest car insurance rates by vehicle type, starting at $46 monthly
- Pickups, sports cars, and EVs carry higher premiums due to repair and liability risks
- The Toyota Supra has some of the highest insurance rates, starting at $199 a month
Compare the average auto insurance cost by make and model rates now by entering your ZIP code into our free tool to see personalized quotes and start saving today.
Best Car Insurance Prices for Popular Vehicles
Auto insurance rates differ by provider and vehicle type, with sedans and hatchbacks generally being the cheapest to insure, followed by SUVs and crossovers. Pickups and trucks tend to have higher rates.
Auto Insurance Monthly Rates by Provider & Vehicle Type| Insurance Company | Pickups / Trucks | Sedans / Hatchback | SUVs / Crossovers |
|---|---|---|---|
 | $68 | $54 | $63 |
 | $67 | $52 | $62 |
 | $69 | $55 | $64 |
 | $62 | $48 | $56 |
 | $71 | $56 | $65 |
 | $66 | $51 | $61 |
 | $67 | $52 | $62 |
 | $64 | $50 | $57 |
 | $66 | $51 | $60 |
 | $60 | $46 | $54 |
USAA and Geico offer the lowest monthly premiums, starting around $46–$54, while Liberty Mutual and Farmers are higher at $55–$71. For a detailed comparison, see how coverage, discounts, and pricing differ in Farmers vs. USAA auto insurance. Most other major insurers, including State Farm, Nationwide, and Travelers, fall in the midrange.
3 Top-Selling Vehicles: Auto Insurance Monthly Rates by Provider| Insurance Company | Chevy Silverado | Ford F-Series | Toyota RAV4 |
|---|---|---|---|
| $68 | $67 | $60 |
| $66 | $65 | $58 |
| $65 | $64 | $57 |
| $57 | $56 | $50 |
| $71 | $70 | $62 |
| $64 | $63 | $55 |
| $62 | $61 | $53 |
| $60 | $59 | $52 |
| $67 | $66 | $59 |
| $54 | $53 | $47 |
The Chevy Silverado, Ford F-Series, and Toyota RAV4 show notable differences in monthly premiums depending on the provider. USAA and Geico offer the lowest costs, with rates as low as $47 a month for the RAV4 and $53–$57 monthly for the Silverado and F-Series.
State Farm, Progressive, and Nationwide are in the lower-to-mid range at $52–$64 monthly, and Liberty Mutual and Allstate are the most expensive, at up to $71 per month. On average, the Toyota RAV4 is the least expensive to insure, and trucks such as the Silverado and F-Series tend to cost slightly more.
Enter your zip code below to view companies that have cheap insurance rates.
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How Vehicle Choice Impacts Monthly Car Insurance Costs
The 20 top-selling vehicles in the U.S. show how costs vary, which you can use as a car insurance calculator to get an idea of monthly premiums. Compact cars like the Honda Civic at $57 a month are the cheapest, while midsize options such as the Camry at $60 per month and Nissan Rogue at $59 monthly remain affordable.
20 Top-Selling Vehicles: Auto Insurance Monthly Rates| Make & Model | Rank | Premium | Cost Factors |
|---|---|---|---|
| Ford F-Series | #1 | $63 | Large pickup; big driver pool lowers costs |
| Chevrolet Silverado | #2 | $66 | Full-size truck; slightly less than Ford |
| Toyota RAV4 | #3 | $55 | Compact SUV; strong safety, low claims |
| Honda CR-V | #4 | $58 | Compact SUV; reliable, affordable repairs |
| Ram 1500 Series | #5 | $65 | Full-size pickup; higher liability exposure |
| Tesla Model Y | #6 | $183 | EV; costly parts and repairs |
| GMC Sierra | #7 | $64 | Full-size truck; expensive parts |
| Toyota Camry | #8 | $60 | Midsize sedan; safe, moderate costs |
| Nissan Rogue | #9 | $59 | Compact SUV; affordable, family-friendly |
| Honda Civic | #10 | $57 | Compact car; cheap repairs, safe profile |
| Toyota Corolla | #11 | $56 | Compact sedan; dependable, modest costs |
| Chevrolet Equinox | #12 | $58 | Compact SUV; low repairs, safe profile |
| Jeep Grand Cherokee | #13 | $66 | Midsize SUV; higher theft/repair costs |
| Hyundai Tucson | #14 | $57 | Compact SUV; affordable, safe choice |
| Chevrolet Trax | #15 | $55 | Subcompact SUV; cheap repairs, safe |
| Ford Explorer | #16 | $68 | Midsize SUV; higher liability/repair costs |
| Toyota Tacoma | #17 | $62 | Midsize pickup; moderate premiums |
| Subaru Crosstrek | #18 | $56 | Subcompact SUV; strong safety, low claims |
| Subaru Forester | #19 | $57 | Compact SUV; safe, reliable, affordable |
| Subaru Outback | #20 | $58 | Wagon/SUV; safe, family-friendly |
Full-size pickups, such as the Ford F-Series, Chevy Silverado, and the Ram 1500, average $65 per month and cost more due to higher liability auto insurance repair risks. This $10 price difference can add up to hundreds of dollars a year, making it essential to get a car insurance estimate by make and model.
The Tesla Model Y at $183 is the most expensive, reflecting costly parts and repairs, and average car insurance rates by make and model show sedans and compact SUVs have the lowest premiums, while large trucks and EVs are the priciest. Learn how electric cars work to see how they impact your monthly rates.
Auto insurance premiums differ slightly by gender and vehicle, but enrolling in safe driving programs can help any driver lower monthly costs.
Michelle Robbins Licensed Insurance Agent
Monthly auto insurance premiums differ by both vehicle type and gender, with men usually paying slightly more, no matter what kind of car they drive. Hatchbacks, sedans, SUVs, hybrids/EVs, minivans, and vans/wagons all cost about $3–$4 less per month for women.
Overall, women generally see lower premiums. Pickups show one of the biggest gaps at $78 per month for men and $74 monthly for women. The exception is sports cars, where women pay more at $83 a month compared to $79 a month for men.
Average Car Insurance Costs Across the U.S.
Rates for best-selling vehicles vary by state due to local risks, repair costs, and insurance rules. With State Farm’s Drive Safe & Save program, discounts range from $29 in lower-cost states to $131 in higher-cost areas. Read our State Farm auto insurance review for more.
The auto insurance cost by vehicle reveals that compact cars and SUVs are the most affordable to insure, while larger trucks and sportier models can be costlier in certain locations. Since sports cars, EVs, and luxury models are the most expensive to insure, finding the best auto insurance for luxury and exotic vehicles is key.
Most Expensive Vehicles to Insure in the U.S. (Ranked by Coverage Cost)| Make & Model | Rank | Monthly Rate | Reason |
|---|---|---|---|
| Toyota Supra | #1 | $199 | Sports car, high repair costs |
| Tesla Model Y | #2 | $183 | EV; very costly repairs |
| Tesla Model 3 | #3 | $179 | EV; costly repairs, performance |
| Tesla Model X | #4 | $172 | EV luxury SUV; very costly |
| Nissan GTR | #5 | $169 | High-performance sports car |
| BMW M4 | #6 | $127 | Sports coupe, performance risk |
| Toyota GR 86 | #7 | $100 | Sports coupe; higher insurance |
| Maserati Ghibli | #8 | $98 | Luxury sedan; high upkeep |
| Mercedes GLE Coupe | #9 | $92 | Luxury SUV; expensive parts |
| BMW 7 Series | #10 | $85 | Luxury sedan; advanced tech |
The Toyota Supra leads at $199 per month, followed by Teslas, with the Model Y costing slightly more to insure than the Model 3. Other costly options include the Nissan GTR at $169 a month, the BMW M4 at $127 monthly, and the Maserati Ghibli at $98 per month. Powerful and high-tech vehicles carry the steepest premiums, while low-maintenance cars will have the lowest premiums.
Least Expensive Vehicles to Insure in the U.S. (Ranked by Coverage Cost)| Make & Model | Rank | Monthly Rate | Reason |
|---|---|---|---|
| Chevrolet Venture | #1 | $25 | Minivan, family use |
| Pontiac Bonneville | #2 | $40 | Large sedan, low theft |
| Pontiac Torrent | #3 | $42 | SUV, safe, modest cost |
| Ford Windstar | #4 | $47 | Old minivan, low value |
| Ford Escort | #5 | $48 | Small sedan, cheap parts |
| Mercury Sable | #6 | $49 | Large sedan, older |
| Chevrolet Cavalier | #7 | $50 | Compact, easy repairs |
| Chevrolet Astro | #8 | $51 | Old van, low upkeep |
| Mazda Protege | #9 | $52 | Compact, fuel-efficient |
| Pontiac Grand Am | #10 | $53 | Mid-size sedan, cheap |
Auto insurance rates by car model show that the cheapest vehicles to insure in the U.S. are mostly older sedans, minivans, and compacts with low values and inexpensive repairs. The Chevrolet Venture is the most affordable at $25 monthly, followed by the Pontiac Bonneville at $40 monthly, the Ford Windstar at $47 a month, and the Chevrolet Cavalier at $50 per month.
Where you live influences the average rate for car insurance. If you live in a high-risk coastal area or a city prone to traffic jams or auto thefts, you could see rates double or triple for pickup trucks or sports cars. Driving a sedan and avoiding speeding tickets and accidents can keep your rates as low as possible.
Read More: Worst States for Filing Auto Insurance Claims
Getting Affordable Auto Insurance Rates by Vehicle
Finding the best auto insurance rates by vehicle depends on repair costs, safety features, and your liability as a driver. Sedans and compact SUVs, like the Toyota RAV4, often get the lowest rates, starting at $46 per month. Midsize cars like the Camry are also affordable at $60 per month, but pickups like the Ford F-Series and the Chevy Silverado cost over $60 per month to insure.
Auto insurance rates vary by provider and vehicle type. Bundling or better credit can lower costs. For example, combining auto and home often unlocks discounts.
Melanie Musson Published Insurance Expert
Sports cars like the Toyota Supra start at $199 a month, and EVs such as the Tesla Model Y cost $183 monthly due to expensive replacement parts and technology. Among the best car insurance companies, USAA and Geico offer some of the lowest premiums, while Liberty Mutual and Allstate are often higher.
Find the cheapest minimum auto insurance rates by entering your ZIP code in our free comparison tool and start saving today.
Frequently Asked Questions
What is the average rate for car insurance?
The average car insurance rate ranges from $46 to $66 per month for sedans and compact SUVs like the Toyota RAV4. Pickups, such as the Ford F-Series, sports cars like the Toyota Supra, and EVs like the Tesla Model Y are far higher at $183-$199 per month.
Which types of vehicles have the lowest auto insurance rates?
Sedans, hatchbacks, and compact SUVs have the lowest auto insurance rates by vehicle type, with the Toyota RAV4 at $55 a month and older models like the Chevrolet Venture starting as low as $25 per month.
Which types of vehicles have the highest auto insurance rates?
Sports cars, EVs, and luxury models are the most expensive, led by the Toyota Supra at $199 a month and the Tesla Model Y at $183 monthly. Compare the best electric vehicle (EV) insurance discounts for lower rates.
Why do sports cars and EVs cost more to insure compared to compact SUVs?
Why do some cars cost more to insure? Sports cars and EVs cost more to insure because they carry higher accident risks and expensive repair costs. Insurers charge more due to performance risks, costly technology, and specialized repairs.
How do I get the best car insurance rates by vehicle?
How can you get the best car insurance rate? Compare providers and choose lower-cost vehicles like sedans or compact SUVs. Avoid driving a sports car or pickup truck, and use discounts and a free comparison tool to help you maximize savings. Enter your ZIP code into our free quote tool to find the best policy for you.
How can I save on car insurance?
Save money on auto insurance by choosing lower-cost vehicles like sedans or compact SUVs, comparing quotes from multiple providers, and taking advantage of car insurance discounts you can’t miss.
What type of car insurance do I need?
The type of car insurance you need depends on your vehicle and risk level. Sedans and compact SUVs average $55–$60, while pickups cost $63–$66 and often need higher liability coverage. Sports cars and EVs can reach $183–$199, making full coverage with collision and comprehensive auto insurance the best choice.
Which car insurance company is the cheapest?
How do providers differ in their average monthly insurance premium rates? USAA and Geico are the cheapest car insurance companies, with rates starting at $46–$54 per month, while Liberty Mutual and Allstate often cost up to $71 monthly. Comparing providers can save drivers $20+ monthly.
How can I estimate the cost of my car insurance?
Car insurance costs depend on auto insurance rates by vehicle and provider. Sedans like the Toyota RAV4 average $55, pickups like the Ford F-Series $63, and sports cars such as the Toyota Supra $199. Comparing quotes for your vehicle and ZIP code gives the most accurate estimate.
Should I get car insurance quotes before I buy a car?
Yes, learn how to get multiple auto insurance quotes before buying, since rates vary by vehicle and provider. Sedans may cost $55 monthly, while sports cars can reach $199 per month.
What should I consider when comparing auto insurance rates?
Auto insurance rates depend on vehicle type, provider, location, and other factors that influence your car insurance rate. Sedans and compact SUVs are often cheapest, while pickups and sports cars cost more, making it important to compare quotes from insurers like USAA, Geico, Liberty Mutual, and Allstate.
What information will I need to compare car insurance quotes?
To compare car insurance quotes, use an auto insurance guide and have your ZIP code, vehicle details, and driving history ready, since rates vary by type, repair costs, and risks.
Is car insurance cheaper by state?
Yes, car insurance is cheaper in some states because rates vary by local risks, repair costs, and insurance rules. For example, State Farm’s Drive Safe & Save program shows monthly costs ranging from $29 in low-cost states to $131 in higher-cost states. Comparing state-based pricing and discounts is key to finding affordable coverage.
Ready to find the best car insurance rates for your vehicle? Enter your ZIP code now to compare top providers and secure the coverage you need at the lowest price.
Enter your zip code below to view companies that have cheap insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
