Car Insurance Rates by Vehicle Make & Model
Insurers evaluate vehicle weight, collision repair expenses, catalytic theft vulnerability, and crash test ratings. Select your model to inspect actuarial risk tiers.
Acura Integra
The reincarnated Acura Integra premium liftback features 5-star crash protection and standard AcuraWatch driver assistance, delivering affordable luxury insurance rates.
Acura MDX
The Acura MDX three-row luxury crossover is a consistent top safety pick with standard SH-AWD. Favorable casualty loss distributions keep annual rates very competitive for a luxury brand.
Acura RDX
The Acura RDX compact luxury crossover pairs turbocharged performance with 5-star crash ratings, ensuring bodily injury claims remain low.
Acura TLX
The Acura TLX sports sedan provides a rigid chassis and available SH-AWD. IIHS Top Safety Pick+ crash ratings keep personal injury protection payouts minimal.
Audi A4
The Audi A4 sports sedan includes standard quattro AWD and robust structural safety cages, resulting in low bodily injury claim severities.
Audi A6
The Audi A6 midsize luxury sedan offers mild-hybrid efficiency and dual-touchscreen cockpits. High-cost headlamp assemblies and calibration push repair costs into the high tier.
Audi Q3
The Audi Q3 subcompact luxury crossover includes standard quattro AWD and Audi pre sense safety systems. Manageable curb weight and good crash test scores control liability costs.
Audi Q5
The Audi Q5 is the centerpiece of Audi’s North American lineup. Standard quattro AWD and IIHS Top Safety Pick credentials deliver solid occupant crash protection.
Audi Q7
The Audi Q7 three-row luxury crossover incorporates aluminum hybrid unibody architecture and matrix LED lighting, leading to higher physical damage loss costs.
Audi Q8
The Audi Q8 coupe-profile luxury SUV features frameless doors and distinctive styling. Specialized structural parts and high repair complexity place it in the high insurance tier.
BMW 3 Series
The benchmark compact executive sports sedan pairs responsive handling with cutting-edge electronics. High dealership labor rates, imported German parts, and sensor-dense front bumper assemblies contribute to above-average collision premiums.
BMW 5 Series
The BMW 5 Series executive sedan incorporates high-tech digital cockpits and lightweight composite chassis components. Specialized dealer labor elevates physical damage costs.
BMW i4
The BMW i4 electric gran coupe blends 4-Series driving dynamics with electric propulsion. Specialized high-voltage battery enclosures and Bavarian sensors lead to higher collision costs.
BMW X3
The BMW X3 is one of America’s most popular luxury compact crossovers. Advanced front radar sensors and imported German components push collision repair costs into the moderate-high tier.
BMW X5
The BMW X5 midsize luxury SUV combines dynamic handling with advanced mild-hybrid and PHEV powertrains. High dealership labor rates and sensor calibration drive higher comprehensive/collision rates.
BMW X7
The three-row BMW X7 luxury flagship features two-axle air suspension and expansive panoramic LED glass. Physical damage repair severities are elevated due to complex electronics.
Buick Enclave
Offering three spacious rows of QuietTuning comfort, the Buick Enclave exhibits some of the lowest accident claim rates in the midsize premium crossover segment.
Buick Encore GX
The Buick Encore GX appeals strongly to mature drivers with clean records. Standard Buick Driver Confidence technology and low vehicle speed profiles keep claims loss ratios very low.
Buick Envision
The Buick Envision compact luxury crossover delivers refined cabin isolation and standard active driver assists, generating predictable and affordable casualty loss trends.
Cadillac Escalade
The luxury flagship Cadillac Escalade features curved OLED displays and AKG audio systems. High replacement component costs and historical target status for vehicle theft elevate comprehensive and collision premiums.
Cadillac XT5
The Cadillac XT5 midsize luxury crossover appeals to mature, safety-oriented luxury buyers. Strong passive crash structure balances higher luxury sensor replacement expenses.
Cadillac XT6
Offering three rows of luxury family seating, the Cadillac XT6 earns top marks from IIHS, reducing injury payout frequency and keeping liability premiums competitive.
Chevrolet Blazer
The Camaro-inspired midsize crossover combines sporty design with family crossover practicality. Standard driver assist suites keep accident frequency low and claim severities manageable.
Chevrolet Bolt EV
The Chevrolet Bolt EV is one of the most cost-effective electric vehicles to insure in North America, thanks to accessible MSRP, affordable parts, and 5-star occupant crash safety.
Chevrolet Camaro
The Chevrolet Camaro rear-wheel-drive muscle coupe features powerful V6 and V8 options. High single-vehicle collision claims and performance driver demographics elevate annual rates.
Chevrolet Colorado
The midsize Chevrolet Colorado truck incurs lower property damage and bodily injury claims than full-size half-ton pickups, saving owners roughly $180/year compared to the Silverado.
Chevrolet Corvette
The mid-engine Corvette C8 achieves an intriguing insurance rating. While specialized composite body panels and mid-mounted V8 repairs are costly, owners average 55+ in age and drive fewer than 4,000 pleasure miles annually, dramatically reducing accident frequency.
Chevrolet Cruze
A popular compact commuter car, the Chevy Cruze features inexpensive domestic repair parts and widespread serviceability, keeping annual premiums modest.
Chevrolet Equinox
The Chevrolet Equinox offers some of the lowest repair costs in the compact crossover class due to widespread domestic parts availability and standardized GM mechanical components.
Chevrolet Impala
The full-size Chevy Impala offers spacious comfort and solid highway crashworthiness. Its mature owner demographic keeps personal injury claims relatively low.
Chevrolet Malibu
The Chevrolet Malibu is a dependable midsize American sedan with readily available parts across the nation, ensuring rapid repairs and competitive collision underwriting.
Chevrolet Silverado 1500
The Chevrolet Silverado 1500 is a robust work and family pickup. Comprehensive premiums remain modest due to durable mechanical construction, though higher vehicle weight increases third-party liability risk.
Chevrolet Silverado 2500HD
The Chevrolet Silverado 2500HD provides heavy-duty payload capacities and Duramax turbodiesel reliability. Actuarial loss data demonstrates low occupant injury frequencies due to massive boxed steel frame construction.
Chevrolet Suburban
With the longest continuous nameplate in automotive history, the Suburban offers maximum cargo and passenger volume. Strong safety records protect families, yielding predictable underwriting performance.
Chevrolet Tahoe
America’s best-selling full-size SUV provides unmatched family and towing utility. Heavy-duty frame protection minimizes personal injury claims, while domestic parts availability controls repair expenses.
Chevrolet Trailblazer
The subcompact Chevy Trailblazer offers an affordable entry point with standard emergency braking and class-leading occupant protection, resulting in very economical car insurance premiums.
Chevrolet Traverse
The Chevrolet Traverse combines a heavy crossover curb weight with three-row passenger safety, yielding low personal injury claims frequency for family policyholders.
Chevrolet Trax
The redesigned Chevrolet Trax has become one of the top value crossovers in the US. Low replacement parts costs and excellent NHTSA safety scores keep annual insurance costs among the lowest in the market.
Chrysler 300
The full-size Chrysler 300 sedan features classic rear-wheel-drive proportions and available HEMI V8 power. Higher comprehensive theft claims elevate overall insurance premiums.
Chrysler Pacifica
The Pacifica offers versatile Stow 'n Go seating and plug-in hybrid options. Standard blind-spot monitoring and low claim frequency keep physical damage rates well below national passenger vehicle averages.
Dodge Challenger
The iconic Dodge Challenger muscle coupe is celebrated for V8 muscle. Unfortunately, it ranks among the most stolen vehicles in the US per HLDI data, driving comprehensive premiums significantly higher.
Dodge Charger
The Dodge Charger delivers muscle sedan performance but ranks at the top of national theft indexes according to the Highway Loss Data Institute (HLDI). Extreme comprehensive claims and high horsepower liability loss costs drive premium quotes.
Dodge Durango
The Dodge Durango offers muscle car performance in a three-row SUV format with HEMI V8 options. Higher theft statistics in urban areas increase comprehensive rates.
Dodge Hornet
The Dodge Hornet performance compact crossover offers standard AWD and turbocharged or plug-in hybrid power. Active safety suites help keep accident rates moderate.
Ford Bronco
The reincarnated Ford Bronco is built on a high-strength steel frame engineered for extreme durability. Removable modular panels and trail cameras introduce specialized repair requirements, balanced by strong structural cabin crashworthiness.
Ford Bronco Sport
The Ford Bronco Sport delivers rugged styling in a practical unibody compact crossover format. Five-star crash test ratings and low collision claims frequency keep insurance costs very affordable.
Ford Edge
The Ford Edge midsize crossover features standard all-wheel drive and a proven safety structure. Readily available domestic replacement components ensure swift repair turnaround times.
Ford Escape
The Ford Escape pairs accessible domestic parts pricing with standard Co-Pilot360 active safety aids, keeping annual physical damage premiums below the national passenger vehicle baseline.
Ford Expedition
Ford’s largest passenger SUV combines aluminum body architecture with three rows of seating. High crashworthiness safeguards occupants, though physical damage liability is higher due to curb weight.
Ford Explorer
A dominant three-row family crossover and proven municipal utility platform. Excellent front and side impact crash ratings protect occupants, while readily sourced domestic replacement parts keep collision repair turnaround rapid.
Ford F-150
As America’s best-selling pickup truck, the Ford F-150 possesses exceptional crash safety for occupants. However, aluminum body panel repairs and higher liability property damage potential slightly elevate collision loss costs.
Ford F-150 Lightning
The all-electric Ford F-150 Lightning combines America’s favorite truck layout with battery-electric power. Standard driver assists and sturdy construction balance specialized battery repair costs.
Ford F-250 Super Duty
The Ford F-250 Super Duty combines immense towing capability with high-strength military-grade aluminum alloy body construction. Its substantial curb weight increases property damage liability exposure, but advanced driver assist systems and durable chassis design provide high passenger protection.
Ford F-350 Super Duty
Engineered for commercial towing and heavy hauling, the Ford F-350 Super Duty features dual-rear-wheel options and robust diesel powertrains. Insurance underwriters assess higher physical damage liability risks offset by mature commercial driver profiles.
Ford Focus
The Ford Focus compact car offers economical driving and inexpensive replacement panels, making it an affordable choice for commuter and student insurance policies.
Ford Fusion
The Ford Fusion midsize sedan provides high crash test ratings and widely available domestic components, keeping repair costs and insurance premiums balanced.
Ford Maverick
The Ford Maverick compact unibody truck is an actuarial darling. Its standard hybrid powertrain, lightweight construction, and affordable MSRP result in exceptionally low collision repair estimates and low annual premiums.
Ford Mustang
America’s iconic rear-wheel-drive sports coupe is beloved for V8 and EcoBoost performance. Elevated horsepower ratings, aggressive driver profiles, and high single-vehicle collision loss frequencies place comprehensive and collision costs into the high tier.
Ford Mustang Mach-E
Ford’s dedicated electric performance crossover combines instant EV torque with robust 5-star crash test ratings. While battery casing protection and advanced sensor calibrations elevate average claim expenses, strong active safety features minimize loss frequency.
Ford Ranger
The Ford Ranger provides a high strength-to-weight frame and manageable vehicle dimensions, producing lower comprehensive loss severity than full-size light duty trucks.
Ford Taurus
Built on a heavy, robust platform often shared with police interceptors, the Ford Taurus offers high passenger impact protection, keeping casualty claims low.
Genesis GV70
The Genesis GV70 luxury compact SUV combines athletic styling with standard AWD. Excellent IIHS Top Safety Pick+ crash scores keep personal injury payouts low.
Genesis GV80
The flagship Genesis GV80 midsize luxury SUV demonstrated incredible passenger protection in high-profile real-world crashes, validating its high structural integrity among actuaries.
GMC Acadia
The midsize GMC Acadia three-row crossover features family-oriented passenger protection and available Super Cruise hands-free driving tech, keeping casualty loss trends stable.
GMC Canyon
The GMC Canyon midsize truck delivers rugged capability with upscale styling. Turbocharged high-output four-cylinder power and modern chassis architecture protect occupants effectively in frontal collisions.
GMC Sierra 1500
Sharing core architecture with the Silverado, the GMC Sierra 1500 introduces premium luxury trims such as the Denali. Elevated replacement glass, intricate LED headlamp assemblies, and specialized tailgate electronics moderately raise physical damage repair costs.
GMC Sierra 2500HD
The GMC Sierra 2500HD blends luxury Denali appointments with heavy-duty performance. Intricate LED lighting assemblies and MultiPro Tailgate mechanisms introduce slightly higher collision parts costs.
GMC Terrain
The compact GMC Terrain provides refined cabin ergonomics and standard proactive collision avoidance, translating to very affordable insurance rate filings.
GMC Yukon
The GMC Yukon offers full-size luxury towing capability. Standard automatic emergency braking reduces rear-end collisions, while comprehensive safety systems minimize bodily injury liability risk.
GMC Yukon XL
The extended-wheelbase Yukon XL delivers maximum three-row interior volume. Insurers evaluate solid passive safety metrics alongside slightly higher property damage liability exposure.
Honda Accord
The midsize standard-bearer delivers top-tier crashworthiness and generous standard active safety technology. Strong structural integrity protects passengers effectively, resulting in lower bodily injury payouts per reported claim.
Honda Civic
While the Honda Civic features top-tier crash test scores, it attracts younger demographic profiles and historically exhibits higher national theft index ratings, leading to moderate baseline comprehensive premiums.
Honda CR-V
With exemplary NHTSA 5-star ratings and low claims frequency, the Honda CR-V is a favorite among actuaries. Insurers reward its reliable safety architecture with some of the lowest average rates in the nation.
Honda Fit
The versatile Honda Fit subcompact hatchback boasts unmatched interior practicality and cheap replacement components, keeping collision and comprehensive rates at bargain levels.
Honda HR-V
Built on the Civic platform, the redesigned Honda HR-V offers an IIHS Top Safety Pick+ rating and budget-friendly parts, keeping annual insurance premiums at the lower end of the crossover segment.
Honda Odyssey
The Honda Odyssey holds a coveted position as one of the safest and cheapest vehicles to insure in North America. Driven primarily by married homeowners carrying clean driving records, casualty claim payouts are among the lowest in the insurance sector.
Honda Passport
The Honda Passport offers two rows of generous space and standard V6 torque. Reliable crash protection and standard active driver assists translate into lower casualty loss severities.
Honda Pilot
The Honda Pilot benefits from conservative family driving demographics and low comprehensive claim rates, earning lower-than-average collision premiums across major casualty carriers.
Honda Ridgeline
Featuring unibody construction and standard i-VTM4 all-wheel drive, the Honda Ridgeline achieves the lowest casualty claim severities among midsize pickups, delivering some of the lowest insurance rates in the truck category.
Hyundai Accent
The subcompact Hyundai Accent provides reliable commuter transportation with minimal maintenance and repair expense, keeping collision claim costs low.
Hyundai Elantra
Modern Elantra models equipped with factory engine immobilizers and Hyundai SmartSense safety technology offer great protection. Ensure proof of software/immobilizer update is provided to unlock lowest tier quotes.
Hyundai Ioniq 5
Built upon Hyundai’s state-of-the-art 800V E-GMP electric architecture, the Ioniq 5 provides impressive IIHS Top Safety Pick+ crash protection. Comprehensive claims remain minimal due to standard Bluelink connected tracking.
Hyundai Ioniq 6
The ultra-aerodynamic Hyundai Ioniq 6 electric streamliner features an IIHS Top Safety Pick+ rating and high-efficiency battery architecture, offering very competitive EV insurance rates.
Hyundai Kona
The redesigned Hyundai Kona features futuristic styling and expanded interior dimensions. High NHTSA 5-star crash scores keep casualty loss metrics well controlled.
Hyundai Palisade
The Hyundai Palisade enjoys low claims frequency in the midsize SUV segment, bolstered by comprehensive driver assistance systems and heavy chassis impact dissipation.
Hyundai Santa Fe
The midsize Hyundai Santa Fe scores top marks across all IIHS crashworthiness evaluations, earning policyholders significant discounts on personal injury protection and bodily injury coverage.
Hyundai Sonata
The Hyundai Sonata midsize sedan combines sleek coupe-like styling with standard SmartSense driver assists, earning consistent 5-star crash ratings.
Hyundai Tucson
Modern Hyundai Tucson models feature factory immobilizers and top-rated IIHS Top Safety Pick+ structural rigidity, keeping collision damage and third-party liability claims low.
Hyundai Venue
The subcompact Hyundai Venue offers an accessible price point with standard active safety across all trims. Low curb weight and inexpensive mechanical repairs keep insurance very affordable.
Infiniti QX50
The Infiniti QX50 compact luxury SUV features the world’s first variable-compression turbocharged engine. Good passive crash scores control bodily injury liabilities.
Infiniti QX60
The three-row Infiniti QX60 pairs family luxury with standard 9-speed automatic transmission and comprehensive active safety suites, keeping casualty loss trends predictable.
Infiniti QX80
The full-size Infiniti QX80 delivers immense presence and twin-turbo V6 power. High vehicle weight and upscale interior finishes elevate collision claim costs.
Jeep Cherokee
The Jeep Cherokee offers standard 4WD capability and side-curtain airbags. While off-road suspension components slightly increase collision repair costs, theft frequency remains low.
Jeep Compass
Powered by a 2.0L turbocharged inline-four, the Jeep Compass combines compact maneuverability with standard AWD. Affordable replacement panels keep mechanical repair estimates modest.
Jeep Gladiator
Combining Wrangler open-air freedom with a 5-foot truck bed, the Jeep Gladiator benefits from inexpensive mechanical parts replacement, but removable doors and soft tops lead to higher comprehensive claims.
Jeep Grand Cherokee
A popular midsize SUV offering refined highway cruising and genuine trail capability. Standard full-speed collision warning reduces rear-end claim volume, though urban theft metrics keep comprehensive premiums slightly above average.
Jeep Grand Wagoneer
Jeep’s ultra-premium SUV boasts passenger interactive displays, McIntosh audio, and quad-screen dashboards. High replacement glass and sensor calibration costs place physical damage into the upper tier.
Jeep Renegade
The compact urban-friendly Jeep Renegade features distinctive trail styling and economical powertrain options, generating manageable repair loss ratios.
Jeep Wagoneer
The full-size Jeep Wagoneer offers expansive three-row passenger accommodations and Hurricane twin-turbo power. Sturdy body-on-frame crash protection helps safeguard family occupants.
Jeep Wrangler
The legendary off-roader exhibits a distinct dual-faceted risk profile. Solid axle underpinnings and modular body panels make mechanical body repairs relatively inexpensive, but removable soft tops and doors cause higher comprehensive vandalism and theft claims.
Kia Carnival
Marketed as a Multi-Purpose Vehicle (MPV), the Kia Carnival boasts family minivan safety characteristics with SUV styling. Record-low claim loss ratios place it among America’s cheapest vehicles to insure.
Kia EV6
Built on the 800V E-GMP platform, the Kia EV6 offers fast charging and Top Safety Pick+ crash protection, keeping bodily injury claim frequencies exceptionally low.
Kia EV9
The Kia EV9 three-row electric SUV brings full family capability to the EV market. High crashworthiness and family ownership profiles keep liability loss ratios balanced.
Kia Forte
The Kia Forte provides low MSRP replacement value and accessible parts catalogs. Raising deductibles to $1,000 yields especially strong annual savings on this compact sedan.
Kia K5
Replacing the Optima, the Kia K5 midsize sports sedan features aggressive styling and standard automatic emergency braking, keeping casualty losses stable.
Kia Niro
Available in hybrid, plug-in hybrid, and EV formats, the aerodynamic Kia Niro attracts eco-conscious drivers with clean records, delivering low annual premiums.
Kia Rio
The budget-friendly Kia Rio subcompact car features low purchase prices and inexpensive mechanical repairs, keeping collision repair estimates low.
Kia Seltos
The Kia Seltos compact crossover provides available AWD and top-tier active collision avoidance, resulting in very low claims loss severities.
Kia Soul
The iconic boxy Kia Soul offers immense head room and nimble urban driving. Recent factory immobilizer upgrades and Kia Drive Wise tech keep insurance quotes steady.
Kia Sportage
The redesigned Kia Sportage combines robust ADAS forward collision mitigation with competitive baseline insurance rates that beat national crossover averages by over 13%.
Kia Telluride
Despite its premium interior footprint, the Kia Telluride is priced favorably by underwriters thanks to mature primary driver profiles and exceptional occupant protection crash testing.
Land Rover Defender
The rugged Land Rover Defender combines extreme off-road capability with modern monocoque construction. Imported British parts and aluminum repairs contribute to above-average premiums.
Land Rover Range Rover Sport
The Range Rover Sport combines pinnacle luxury with dynamic performance. High replacement values, intricate air suspension systems, and higher theft exposure drive elevated collision premiums.
Lexus ES 350
The Lexus ES 350 executive sedan is celebrated by actuaries for having one of the safest owner profiles in the nation. Low loss frequencies deliver top-tier affordable rates.
Lexus GX 550
The redesigned Lexus GX 550 features twin-turbo V6 power and rugged body-on-frame durability. Strong resale retention and solid chassis crashworthiness protect passenger safety.
Lexus IS 300
The compact Lexus IS sports sedan combines rear-wheel-drive agility with top crash test marks, providing a reliable luxury casualty risk profile.
Lexus LX 600
The flagship Lexus LX 600 full-size luxury SUV features twin-turbo power and hydraulic height-adjustable suspension, leading to higher physical damage replacement expenses.
Lexus NX 350
The Lexus NX compact luxury crossover benefits from proven Toyota reliability architecture and mature owner demographics. Standard LSS+ 3.0 collision prevention minimizes crash rates.
Lexus RX 350
America’s top-selling luxury midsize SUV for over two decades. The Lexus RX 350 features a mature, safety-conscious owner profile and exceptional build reliability, yielding very low bodily injury liability losses.
Lexus TX 350
Lexus’s dedicated three-row family luxury SUV offers immense space and standard proactive driver assists. Family driver profiles keep liability losses lower than average.
Lincoln Aviator
The Lincoln Aviator three-row midsize luxury SUV combines rear-wheel-drive dynamics with twin-turbo power. Five-star occupant protection offsets higher luxury body panel costs.
Lincoln Corsair
The compact Lincoln Corsair offers serene cabin acoustics and standard active collision prevention, making it one of the most cost-effective luxury compact crossovers to insure.
Lincoln Navigator
The full-size Lincoln Navigator delivers twin-turbo V6 power with ultra-luxury interior trim. Sophisticated electronic suspension and leather appointments push collision repair costs higher.
Lucid Air
The ultra-luxury Lucid Air electric sedan offers record-setting battery range and 500+ mile efficiency. High vehicle MSRP and bespoke composite construction place premiums in the upper tier.
Mazda 3
The Mazda 3 compact sedan and hatchback earns consistent IIHS Top Safety Pick+ honors with standard collision warning, keeping bodily injury claims very low.
Mazda 6
The Mazda 6 midsize executive sedan combines upscale Japanese craftsmanship with 5-star crash protection, ensuring low casualty loss ratios.
Mazda CX-30
The Mazda CX-30 subcompact crossover consistently scores top ratings in IIHS crashworthiness tests. Standard AWD and refined build quality yield very low casualty loss claims.
Mazda CX-5
The Mazda CX-5 consistently ranks near the top of affordable crossovers to insure, driven by industry-leading small overlap crash test results and minimal casualty loss severities.
Mazda CX-50
Built for outdoor adventure with standard all-wheel drive, the Mazda CX-50 provides exemplary passenger crash protection, keeping bodily injury loss frequencies minimal.
Mazda CX-90
Mazda’s flagship three-row crossover features a longitudinal turbocharged inline-six and plug-in hybrid options. Outstanding structural crash tests keep personal injury claims very low.
Mazda MX-5 Miata
The lightweight Mazda MX-5 Miata roadster enjoys surprisingly affordable insurance. Owners are primarily mature drivers driving low annual pleasure mileage, resulting in very low claims frequencies.
Mercedes-Benz C-Class
The C-Class showcases sophisticated luxury engineering, including acoustic glass and digital light systems. Specialized diagnostic equipment and high-cost original equipment (OE) component replacements result in elevated collision loss severities.
Mercedes-Benz E-Class
The Mercedes-Benz E-Class is the technology benchmark for luxury sedans. World-class crash protection balances higher component replacement and recalibration costs.
Mercedes-Benz GLC-Class
The Mercedes-Benz GLC is a bestselling compact luxury SUV offering cutting-edge MBUX technology and standard PRE-SAFE impact preparation, balancing high repair costs with low injury frequency.
Mercedes-Benz GLE-Class
The midsize Mercedes-Benz GLE SUV offers optional third-row capability and 4MATIC all-wheel drive. Intricate acoustic glass and specialized radar arrays increase claim severities.
Mercedes-Benz GLS-Class
Known as the S-Class of SUVs, the Mercedes-Benz GLS provides ultimate luxury for seven passengers. High-cost air suspension components and OEM parts lead to high insurance rate brackets.
Nissan Altima
The Nissan Altima carries moderate underwriting loss costs due to higher urban commuter mileage and historical comprehensive theft indices, offset by Safety Shield 360 collision mitigation.
Nissan Armada
The full-size Nissan Armada three-row SUV provides robust towing and passenger protection. Body-on-frame durability safeguards passengers during severe impacts.
Nissan Frontier
The Nissan Frontier is a dependable midsize pickup known for straightforward mechanical architecture and affordable replacement body panels, making physical damage repair costs lower than full-size competitors.
Nissan Kicks
The subcompact Nissan Kicks offers standard Safety Shield 360 across all trims. Low replacement parts costs make it very economical to insure for commuters and first-time car buyers.
Nissan Maxima
The Nissan Maxima 4-Door Sports Car pairs a 300-hp 3.5L V6 with luxury styling. Higher performance ratings and driver risk profiles place insurance into the high tier.
Nissan Murano
The Nissan Murano midsize crossover appeals strongly to mature drivers with clean driving histories, generating low claim frequency and affordable insurance costs.
Nissan Pathfinder
The redesigned Nissan Pathfinder three-row family SUV features an IIHS Top Safety Pick+ rating and proven V6 powertrain, keeping insurance premiums competitive.
Nissan Rogue
The Nissan Rogue is a cornerstone family crossover with standard automatic emergency braking with pedestrian detection. Favorable driver demographics, low claims frequency, and competitive replacement components keep annual rates attractively low.
Nissan Sentra
The compact Nissan Sentra is a popular commuter and student vehicle. While young driver demographics elevate baseline risk, affordable bumper and quarter-panel parts temper repair claims.
Nissan Titan
Powered by a standard 5.6L Endurance V8, the Nissan Titan provides standard active safety technology across all trims. Moderate claims frequency helps keep annual insurance rates competitive.
Nissan Versa
America’s most affordable new car comes standard with automatic emergency braking. Cheap replacement panels and low vehicle weight control claims severities.
Porsche Cayenne
The Porsche Cayenne performance SUV incorporates advanced air suspension and carbon-ceramic brake options. High insured values and specialized repair standards push premiums into top brackets.
Porsche Macan
The Porsche Macan delivers sports car handling in a compact luxury crossover. Specialized German performance parts and certified collision repair labor rates elevate physical damage claims.
Ram 1500
The Ram 1500 features premium interior styling and powerful towing capacity. However, elevated catalytic converter and tailgate theft statistics in metro areas push comprehensive rates above average pickup benchmarks.
Ram 2500
Powered by Cummins turbo-diesel and HEMI V8 engines, the Ram 2500 is a favorite workhorse across North America. Higher theft rates in metropolitan zones slightly elevate comprehensive insurance premiums.
Ram 3500
The Ram 3500 represents maximum towing capability in the consumer heavy-duty category. Elevated comprehensive loss ratios are balanced by experienced commercial operator demographics.
Rivian R1S
Rivian’s three-row electric SUV combines off-road capability with luxury family space. High parts replacement costs and specialized aluminum repair procedures push collision premiums higher.
Rivian R1T
The Rivian R1T adventure truck features quad-motor power and an IIHS Top Safety Pick+ rating. Single-piece rear quarter panels and certified Rivian service center labor place collision claims into the high tier.
Subaru Ascent
Subaru’s flagship three-row crossover inherits standard Symmetrical AWD and dual-camera EyeSight tech. Top-tier crash protection and family owner demographics keep insurance rates among the lowest in the segment.
Subaru BRZ
The lightweight rear-wheel-drive Subaru BRZ sports coupe offers precise handling. Enthusiast driver age brackets and sports performance usage keep collision loss ratios in the high tier.
Subaru Crosstrek
The Subaru Crosstrek provides outstanding actuarial loss performance. Standard EyeSight collision prevention drastically cuts rear-end crash frequencies, earning significant underwriter rate credits.
Subaru Forester
The Subaru Forester is celebrated as one of the least expensive vehicles to insure in the United States. Exceptionally high greenhouse visibility, standard symmetrical AWD, and mature owner demographics keep actuarial loss ratios at record lows.
Subaru Impreza
The Subaru Impreza is one of the only compact passenger cars with standard all-wheel drive. Exceptional all-weather traction and EyeSight cameras result in very cheap insurance.
Subaru Legacy
The Subaru Legacy midsize sedan consistently ranks among the cheapest passenger sedans to insure in North America, thanks to standard AWD and top crash test scores.
Subaru Outback
The Subaru Outback reigns as one of America’s safest all-weather crossover vehicles. Standard Symmetrical All-Wheel Drive and dual camera EyeSight technology dramatically reduce accident frequency, translating into top carrier discounts.
Subaru Solterra
Subaru’s all-electric SUV combines all-weather EV traction with high occupant crash test scores. Connected telematics keep theft risks virtually non-existent.
Subaru WRX
The rally-bred Subaru WRX sports sedan delivers turbocharged AWD thrills. Younger enthusiast demographic profiles and higher moving violation frequencies place premiums in the upper tier.
Tesla Cybertruck
Constructed from ultra-hard 30X cold-rolled stainless steel exoskeleton, the Tesla Cybertruck introduces novel body shop repair requirements, placing initial collision underwriting into top tiers.
Tesla Model 3
The Tesla Model 3 boasts stellar occupant safety and near-zero theft rates due to GPS tracking. However, specialized structural battery pack repairs, camera sensor recalibrations, and certified body shop labor constraints drive higher collision premiums.
Tesla Model S
The flagship Tesla Model S electric sedan features rapid acceleration and an all-aluminum monocoque chassis. High battery pack replacement costs and certified Tesla repair shop rates place collision premiums into the highest tier.
Tesla Model X
Tesla’s flagship electric SUV features high horsepower alongside motorized Falcon Wing doors equipped with ultrasonic sensors. The intricate body mechanisms, curved panoramic glass windshield, and specialized aluminum chassis place collision claims into the highest tier.
Tesla Model Y
The Tesla Model Y is America’s best-selling crossover EV. While it earns an IIHS Top Safety Pick+ and has near-zero theft rates due to onboard GPS tracking, specialized structural gigacasting repairs and certified aluminum technician labor rates push collision loss costs into the high tier.
Toyota 4Runner
The rugged body-on-frame Toyota 4Runner is renowned for legendary durability and unmatched resale value retention. Structural toughness reduces repair severities, keeping collision loss ratios stable.
Toyota Avalon
The full-size Toyota Avalon premium sedan is favored by mature, experienced drivers. Outstanding build quality and low claims frequency make it one of the cheapest large sedans to insure.
Toyota Camry
The Toyota Camry consistently ranks among the most affordable midsize passenger sedans to insure. Its extensive parts availability, high IIHS safety marks, and standard collision avoidance suite deliver very low claim severities.
Toyota Corolla
As one of the world's most ubiquitous commuter cars, the Toyota Corolla benefits from unmatched replacement parts availability and economical body shop repairs. Standard proactive driving assist systems help maintain low bodily injury liability loss frequency.
Toyota Corolla Cross
Sharing mechanical underpinnings with the Corolla sedan, the Corolla Cross subcompact SUV boasts inexpensive replacement panels and class-leading safety scores, making it exceptionally cheap to insure.
Toyota Crown
The elevated Toyota Crown combines sedan styling with crossover ride height. Standard hybrid powertrain and TSS 3.0 keep bodily injury liability claims at minimal levels.
Toyota GR Supra
The high-performance Toyota GR Supra features turbocharged inline-six power and specialized sports components, placing physical damage and liability costs into the upper tier.
Toyota GR86
Co-developed with Subaru, the Toyota GR86 provides pure sports car thrills. High collision accident frequency among younger sports car buyers results in above-average collision premiums.
Toyota Grand Highlander
Expanding three-row seating and cargo room, the Grand Highlander benefits from advanced TSS 3.0 active collision avoidance. Family ownership demographics keep liability claim rates low.
Toyota Highlander
The Toyota Highlander is one of America's safest and most economical three-row family crossovers to insure. High rollover resistance and advanced automated emergency braking result in low bodily injury loss ratios.
Toyota Prius
Modern Prius iterations showcase sleek aerodynamic styling and comprehensive driver assist suites. Although older models faced elevated catalytic converter theft, modern underbody shielding and ultra-low collision accident frequency deliver low annual rates.
Toyota RAV4
The Toyota RAV4 is widely celebrated as one of the least expensive modern compact SUVs to insure. Outstanding safety ratings, family-oriented driver demographics, and widely available repair parts keep annual claims exceptionally low.
Toyota Sequoia
The full-size Toyota Sequoia three-row SUV features high curb weight and hybrid i-FORCE MAX power. Strong crashworthiness scores safeguard occupants, keeping medical injury claims well below average.
Toyota Sienna
Featuring an exclusive all-hybrid powertrain with optional electric AWD, the Toyota Sienna is an actuarial standout. Outstanding safety scores and low theft vulnerability translate to consistently cheap quotes across major carriers.
Toyota Tacoma
America’s undisputed midsize pickup champion boasts industry-leading resale retention and a durable boxed frame. Insurers reward the Tacoma’s reliable safety record and moderate curb weight with some of the most affordable truck premiums in the casualty market.
Toyota Tundra
Equipped with the twin-turbo i-FORCE V6 and hybrid MAX powertrains, the modern Toyota Tundra offers exceptional occupant safety ratings and high resale value, keeping collision loss depreciation minimal.
Toyota Venza
With an exclusively hybrid powertrain and standard electronic AWD, the Toyota Venza attracts safety-conscious mature drivers. Excellent IIHS crash test metrics produce low bodily injury claim rates.
Volkswagen Arteon
The flagship Volkswagen Arteon sportback combines sleek fastback lines with standard 4MOTION AWD. High build quality keeps injury claims low.
Volkswagen Atlas
Volkswagen’s American-built three-row SUV provides cavernous interior volume and standard IQ.DRIVE driver assistance, earning low loss ratio rankings among family haulers.
Volkswagen Golf
The Volkswagen Golf hatchback provides German solid construction and active emergency braking, offering well-balanced collision risk protection.
Volkswagen ID.4
Built in Chattanooga, Tennessee, the electric Volkswagen ID.4 features IIHS Top Safety Pick+ crash scores and domestic parts availability, keeping EV insurance costs below luxury competitors.
Volkswagen Jetta
The Volkswagen Jetta benefits from rigid German safety engineering and low theft frequency, though specialized European diagnostic calibration adds modest labor premiums to collision repairs.
Volkswagen Passat
The American-built Volkswagen Passat midsize sedan provides immense rear legroom and solid crash safety, yielding dependable underwriting performance.
Volkswagen Taos
The compact Volkswagen Taos delivers turbocharged efficiency and German handling. Affordable replacement panels keep collision repair costs low.
Volkswagen Tiguan
The Volkswagen Tiguan offers standard automated braking, blind-spot monitoring, and a reinforced passenger safety cell, keeping third-party injury loss ratios well below median.
Volvo XC40
The Volvo XC40 compact crossover combines distinctive Scandinavian design with world-class passive safety, delivering lower annual premiums than German rivals.
Volvo XC60
The midsize Volvo XC60 features comprehensive collision avoidance and boron steel cabin cages, keeping casualty insurance costs attractively low.
Volvo XC90
The Volvo XC90 has a legendary reputation for zero-fatality passenger crashworthiness. Actuarial data shows the lowest personal injury payout ratios in the three-row luxury category.