Car Insurance by Vehicle — Safety Ratings & Recalls by Make

NHTSA crash-tests vehicles and gives each tested variant an overall, frontal, side and rollover rating from one to five stars. Crash-test results shape injury claims, and insurers price injury claims into the premium. A high rating does not set a fixed discount. Ask your insurer which safety equipment earns one. "Not rated" means NHTSA did not test that variant. The pages here print the ratings NHTSA published, with the fetch date.

A recall is a safety defect the maker must repair at no cost to you. Insurers do not price a recall directly. An open recall can raise the chance of a claim, so repair it when you get the notice. Check your VIN at nhtsa.gov/recalls for open recalls on your vehicle.

Yes. A newer vehicle costs more to replace, so collision and comprehensive coverage cost more. Newer years also carry safety equipment that some insurers discount. The net effect depends on the vehicle, so compare quotes for the exact year.

Battery packs and body panels on electric vehicles cost more to repair, and many repairs need a certified shop, which pushes collision and comprehensive premiums up. The price for your vehicle comes from a quote, not from a table.

Compare quotes from multiple carriers (Truvo compares 50+ for free), keep a clean driving record, bundle your auto and home policies, and ask about discounts for safety equipment, anti-theft devices, low mileage and good students. The same vehicle can cost a different amount at each carrier.