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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Written by Alyssa DiCrasto

Reviewed by Rob Deming

Last updated: February 26th, 2024

The cost of car insurance for popular vehicles

The vehicle you drive can have a significant impact on the price you pay for car insurance. This is because insurance companies consider various factors and the risk associated with each when they calculate insurance premiums, and your vehicle is an important factor they use.

For the most popular 2023 vehicles, the average cost of car insurance is $2,049. Car insurance costs for popular 2023 models range from $1,830 – $4,570, with the 2023 Subaru Outback at the low end of the range and the 2023 Tesla Model S at the top.

The price you’ll pay for car insurance will vary based on the kind of vehicle you have as well as its year, make, model, and trim level.

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Cheapest cars to insure

While there isn’t a single vehicle that is the cheapest to insure for all drivers, SUVsminivans, and pickup trucks tend to have lower insurance premiums compared to electric vehicles (EVs), sedans, and sports cars. These vehicle classes usually have improved safety features which make a total loss less likely, and replacement parts may be more easily accessible due to their popularity. 

According to our rate data, the Subaru Outback has the lowest car insurance rates, followed closely by other SUVs like the Subaru Forester, Mazda CX-5, and Volkswagen Tiguan.

In the table below, you can see the average cost of car insurance for the least expensive cars to insure out of the top 100 most popular 2023 models: 

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

How the vehicle you drive impacts the cost of your car insurance

When it comes to the vehicle you drive, insurance companies may consider the vehicle type, year, make and model, and trim level when calculating your premium. 

Vehicle type

Vehicle type, sometimes referred to as vehicle class, refers to the general category of the vehicle, such as sedans, SUVs, trucks, sports cars, etc. Different vehicle classes have varying levels of risk associated with them.

For example, sports cars are typically considered higher-risk vehicles due to their higher speeds and increased likelihood of accidents. Consequently, insuring a sports car is usually more expensive compared to insuring a sedan or an SUV.

Vehicle year

The year of your vehicle is an essential factor in determining insurance premiums. Older vehicles generally have lower market values, making repairs and replacements less costly for insurance companies. Consequently, insurance premiums for older vehicles tend to be lower compared to newer ones.

However, the condition and safety features of the vehicle may also influence your premium. Newer vehicles often come equipped with advanced safety features, which can help mitigate risks and potentially lower insurance cost. Some insurance companies even offer discounts for certain safety features, such as lane departure warnings and anti-theft devices.

Vehicle make and model

The make and model of your vehicle can also impact your insurance premiums. Insurance companies collect and analyze historical data on claims and accident rates for various vehicle makes and models. They use this information to assess the risk associated with insuring different vehicles. If a specific make and model is statistically associated with a higher frequency of accidents or theft, insurers may charge higher premiums for those vehicles.

Vehicle trim level

The trim level refers to the specific package or options available for a particular make and model of a vehicle. Trim levels can affect insurance premiums because they often reflect differences in the vehicle’s performance, safety features, and overall value.

For example, a higher trim level may have more advanced safety features, such as collision avoidance systems or lane departure warnings, which can reduce the likelihood of accidents. As a result, vehicles with higher trim levels may qualify for lower insurance premiums compared to their base model counterparts.

Alternatively, higher trim levels on some makes and models may cost more to insure. This is because higher trim levels may also come with higher repair and/or replacement costs. This tends to be true especially if the higher trim level offers hybrid or electric capabilities. 

Cost of insuring your vehicle

In summary, insurance companies consider various factors related to the vehicle you drive when determining your car insurance premiums. Vehicle class, year, make and model, and trim level all play a role in assessing the level of risk associated with insuring a particular vehicle.

Insurance companies may consider the following when it comes to car insurance by vehicle:

  • How much a vehicle will cost to repair or replace in case you need to make a claim
  • Historical data that shows likelihood of accident or theft among certain vehicles
  • Safety features available with that vehicle

It’s important to note that insurance companies may also consider additional factors beyond your vehicle when calculating your final premium. These include factors such as your age, driving history, location, credit score, and usage patterns.

How much should I expect to pay to insure my vehicle?

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Your rates will vary based on where you live, your age, and other factors like your driving record

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Most expensive cars to insure

In general, the most expensive types of cars to insure are luxury vehicles, sports cars, and electric vehicles (EVs).  If you want a car that has cheap insurance rates, it’s best to avoid luxury brands and cars with a higher value, which often have the highest insurance premiums.

In the table below, you can see the average cost of car insurance for the most expensive cars to insure out of the top 100 most popular 2023 models: 

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 


Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.