Car Insurance by Vehicle — Compare Rates by Make & Model

Economy and compact cars like the Toyota Corolla, Honda Civic, Subaru Impreza, and Nissan Sentra are typically the cheapest to insure. They have lower repair costs, strong safety ratings, and moderate horsepower — all factors that keep premiums down.

Luxury vehicles (BMW, Mercedes-Benz, Cadillac Escalade), sports cars (Ford Mustang, Dodge Challenger), and electric vehicles (Tesla Model S/X) tend to have the highest insurance costs due to expensive parts, high repair labor rates, and elevated theft or performance risk.

Yes. Newer model years typically cost 5-10% more to insure because they have higher replacement values. As a vehicle ages and depreciates, comprehensive and collision premiums decrease. However, older vehicles may lack modern safety features, which can partially offset the savings.

Generally yes. EVs like Teslas cost 20-30% more to insure than comparable gas-powered vehicles. This is because battery replacements are extremely expensive, body repairs require specialized technicians, and EVs tend to have higher purchase prices.

Compare quotes from multiple carriers (Truvo makes this easy), raise your deductible, bundle auto and home policies, maintain a clean driving record, ask about discounts (good student, safe driver, anti-theft device), and choose a vehicle with strong safety ratings and low theft risk.