Auto Insurance Quotes by Vehicle (2023)

Despite the average driver paying $119 per month for coverage, there can be a great deal of variation in auto insurance quotes by vehicle. Many factors affect insurance prices by car, including safety ratings, repair costs, and trim level.

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Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

UPDATED: Jul 14, 2023

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What You Should Know

  • Insurance prices by car make and model vary, with luxury and sports cars having much higher prices
  • Other factors included in determining car insurance rates include the trim style and the age of the vehicle
  • Certain types of vehicles can help drivers save on their insurance prices, especially when they come with extra safety features like anti-lock brakes

The average cost of auto insurance is $119 per month for full coverage and $45 for minimum insurance. However, there can be significant variation in auto insurance quotes by vehicle, with some models costing triple the average or more to insure.

Companies look at factors like trim level, safety ratings, and repair costs to determine insurance costs by car. Additionally, the type of car you drive also impacts your rates — newer and luxury cars cost more to insure than older, standard vehicles.

Below, you can compare insurance rates by car and learn how to save even more on your coverage. Make sure to compare quotes from multiple companies to find the best policy, no matter what you drive.

How Companies Determine Auto Insurance Quotes by Vehicle

There are a few reasons why you’ll need to tell insurance companies the type of car you’re driving, and it all has to do with how much you’ll pay for insurance. If you’re looking to compare auto insurance quotes, you’ll want to keep the details the same with each company, and you’ll also want to provide as much information as possible to get the best rates.

Insurance companies are going to consider the following when it comes to your vehicle:

  • Safety ratings: Things such as anti-theft devices, anti-lock brakes, and telematics devices are all considered safety features. How likely your vehicle will be broken into is also a factor when safety ratings are evaluated on vehicles.
  • Vehicle Price: A brand-new car usually costs more to repair. The price of a vehicle is dependent on the parts used and the features implemented. Vehicles using more expensive parts will cost more to buy and, therefore, repair or replace.
  • Trim style: Different trim styles will determine the look and performance of your vehicle, and the sportier the car, the more chances there are of an accident.

Insurance costs by car will fluctuate based on the factors mentioned above. All these details should be provided to the insurance companies being considered for insurance quotes so that you’re given accurate prices. Learn how to find your car’s make and model.

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How to Find Affordable Auto Insurance Quotes by Vehicle

A cheap car will, in turn, be cheap to repair, and similarly, a safe and reliable car will be less likely to get broken into or damaged in the event of an accident. Sports cars and faster, flashier vehicles will see higher insurance policy price tags.

If you’re shopping for car insurance and want to keep your rates as low as possible, find a vehicle with excellent safety ratings. As mentioned above, safety ratings help determine how well a car will do on the road and with someone behind the wheel. Safety features can also help protect you, and your passengers should an accident occur.

Consider a used vehicle if you’re shopping for a car and car insurance as well. Generally speaking, it’s cheaper to insure an older car over a newer one.

Older vehicles will also have lower insurance prices, given that the value of a car decreases from the moment it’s driven off the lot. This also means that you don’t have to carry higher levels of collision coverage, and sometimes comprehensive coverage ends up being more expensive to keep and can be skipped with older vehicles.

Auto Insurance Quotes by Vehicle Type

Vehicles are also broken down into types in addition to the make and model. Insurance rates by car type will vary since an SUV will have a different rate than a pickup truck. Affordable auto insurance for a sports car is going to be more difficult to find.

Examples include trucks, minivans, SUVs, cars, and sports cars. Insurance for minivans and SUVs will have different rates. You will also find that hybrids and electric vehicles will also have different car insurance quotes than a standard car. Hybrids and electric vehicles are going to have more expensive monthly premiums currently. Find out whether it’s cheaper to insure a minivan or an SUV.

Cheapest Insurance Rates by Model

Cars and trucks often have similar insurance prices unless you’re looking into complicated trim or safety additions or the vehicle is a hybrid. The model of your vehicle is the type that you purchase and can affect what you pay for your car insurance. Insurance rates by model can depend on age, model, and safety ratings. Find out whether it’s cheaper to insure a car or a truck.

Cheapest Vehicle Models to Insure
Make and modelAverage Monthly Auto Insurance Rates
Chrysler Pacifica$132
Honda Odyssey$132
Toyota Tundra$135
Honda Pilot$137
Subaru Outback$139
Subaru Forester$141
Toyota Tacoma$142
Subaru WRX$144
Honda Fit$145
Volkswagen Golf R$145
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One of the cheapest models to insure includes the Honda Fit, which on average, will cost $113 each month. A Toyota Tacoma would cost, on average, $134 each month, while a Toyota Tundra would be $147. While these vehicles come from the same manufacturer, they can have different monthly premiums.

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Cheapest Insurance Rates by Make

The manufacturer of your vehicle is also going to be referred to as the make of your vehicle. Some of the cheaper make to insure include Acura, Ford, Honda, Hyundai, Toyota, and Subaru.

Cheapest Vehicle Makes to Insure
Vehicle MakeAverage Monthly Auto Insurance Rates
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The average monthly auto insurance premiums range from around $161 to $185, depending on the manufacturer of your vehicle. For Toyota, on average monthly premiums will be $140, while for Honda, the average would be $135. As mentioned above, this will depend on the model.

Acura maintains an average monthly premium of $167, while Subaru has an average monthly premium of $168, putting them both squarely in the middle of the cheapest makes to insure. Find out how much insurance is for an Acura TLX.

Makes and Models With the Most Expensive Cost of Auto Insurance

Luxury vehicles are going to cost more in terms of insurance, given the higher cost associated with repairing them. Insurance companies will want to cover the potential for theft, as well as safety records associated with each model.

Most Expensive Vehicle Makes to Insure
Vehicle MakeAverage Monthly Auto Insurance Rates
Aston Martin$548
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The Audi S8 and R8 are some of the most expensive models to insure, while Tesla and Acura models also make the list. Porsche 911 coupes will also be the most expensive to insure in terms of models. Find out how much Audi R8 insurance rates are.

How to Find the Make and Model of Your Car

The make and model of your car will be important because these determine how much your car will cost in terms of repairs should you need to submit an insurance claim. In the event of an accident, a brand-new, top-of-the-line vehicle will be more expensive to repair than a car that is more than a decade old. Learn more about how vehicle make and model affect your auto insurance rates.

You can determine the make and model of your car by checking a few different places. The vehicle manufacturer is also known as the make and can be distinguished by the emblems on your vehicle. For example, if you drive a Chevrolet, your vehicle will have the bow tie, or if you drive a Subaru, you’ll have the emblem with the six stars.

The model is the specific type of vehicle you purchase, such as the Chevrolet Trailblazer or the Subaru Forester. These are often emblazoned on the back of your vehicle. If your car does not come with any distinguishing features, the make and model can both be found on your registration, your title, and in the instruction manual that comes with the vehicle.

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Finding the Best Auto Insurance Quotes by Vehicle

When you compare insurance rates by car type, you’ll often find that many factors decide how much you will pay.

The make and model are important, as are the safety ratings, age, and manufacturer’s suggested retail price of the vehicle. You’ll be able to determine the make and model of your vehicle based on the manufacturer and the name of the vehicle you drive. Find out how to get auto insurance quotes before buying a car.

The information you submit for an auto insurance quote will be used to provide you with a proposed monthly rate. It’s best to look for multiple quotes, no matter the type of vehicle you drive, so that you can find a policy that best suits your lifestyle.

Frequently Asked Questions

Do drivers with older cars pay less for car insurance?

The average cost of car insurance for an older vehicle is usually a little cheaper than for new models. You can usually buy less coverage for an older car, and they cost less to repair or replace.

Does the type of car you drive matter when it comes to auto insurance?

Auto insurance quotes by vehicle vary significantly and should be looked at when you’re shopping for a new vehicle. Luxury vehicles and sports cars will have higher price tags associated with insurance because they will cost more in the event repairs are needed. Vehicles such as SUVs and standard cars will be cheaper to insure.

Which car manufacturers have the cheapest car insurance?

The make, which refers to the manufacturer of the vehicle, is a deciding factor in what you will pay for car insurance, and there are many to choose from. The cheapest insurance rates by make are usually Acura, Ford, Honda, Hyundai, Toyota, and Subaru.

Do you need additional auto insurance if you drive a sports car?

Some auto insurance companies suggest you carry higher levels of coverage if you drive a faster, sportier vehicle. This is to protect all parties on the road including the driver, other drivers, and passengers should there be an accident. Studies have shown that fast cars are typically driven more recklessly.

How do you find the make and model of your vehicle?

The make and model of your vehicle can be determined by checking various places. The make refers to the manufacturer and can be identified by the emblems on your car, such as the bow tie for Chevrolet or the six stars for Subaru. The model is the specific type of vehicle, like Chevrolet Trailblazer or Subaru Forester, and is often displayed on the back of your car. You can also find the make and model on your registration, title, and instruction manual.

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