Auto Insurance by Car Model
Compare 2026 rates for 20 popular vehicles — see your model's cost, then calculate your personalized rate.
Auto insurance costs vary significantly by vehicle — from $1,740/yr for a Toyota Corolla to $3,570/yr for a Ford Mustang. Select your car below to see the average insurance cost in your state, a pre-filled calculator for your driver profile, and how to get the best rate.
Auto Insurance Key Facts (2026)
- Toyota Corolla is the cheapest model to insure in 2026 at $1,740/yr — Ford Mustang the most expensive at $3,570/yr.
- The 2026 national average for full coverage is $2,496/yr ($208/month), up just 0.67% after three years of steep increases.
- Vehicle model accounts for 20–35% of your total premium — safety rating, repair cost index, and theft rate all factor in.
- State matters as much as model: Ohio ($1,749/yr) is the cheapest state, New Jersey ($3,835/yr) the most expensive.
- Sedans and trucks are generally cheapest; sports cars and luxury vehicles carry the highest premiums.
All Models at a Glance
Full coverage · standard driver profile (35 yr, 12K mi/yr, 10 yr experience). Click any model for state-by-state rates.
| Model | Type | MSRP | Nat'l Avg/yr | Repair Cost | Theft Risk | |
|---|---|---|---|---|---|---|
| Toyota Camry | sedan | $27,315 | $1,980 | low | low | View rates → |
| Honda Civic | sedan | $24,950 | $1,980 | low | moderate | View rates → |
| Ford F-150 | truck | $34,535 | $2,180 | moderate | moderate | View rates → |
| Toyota RAV4 | suv | $28,275 | $2,380 | low | low | View rates → |
| Honda CR-V | suv | $31,895 | $2,380 | low | moderate | View rates → |
| Chevrolet Silverado 1500 | truck | $37,195 | $2,180 | moderate | moderate | View rates → |
| Toyota Corolla | sedan | $22,050 | $1,980 | low | low | View rates → |
| Honda Accord | sedan | $27,295 | $1,980 | low | low | View rates → |
| Nissan Altima | sedan | $24,990 | $1,980 | moderate | moderate | View rates → |
| Jeep Grand Cherokee | suv | $40,245 | $2,380 | moderate | moderate | View rates → |
| Ford Explorer | suv | $36,760 | $2,380 | moderate | low | View rates → |
| Subaru Outback | suv | $28,895 | $2,380 | low | low | View rates → |
| Toyota Tacoma | truck | $31,500 | $2,180 | moderate | moderate | View rates → |
| Ford Mustang | sports | $28,745 | $3,570 | high | high | View rates → |
| Hyundai Tucson | suv | $27,895 | $2,380 | moderate | high | View rates → |
| BMW 3 Series | luxury | $43,800 | $3,170 | high | moderate | View rates → |
| Mercedes-Benz C-Class | luxury | $45,400 | $3,170 | high | moderate | View rates → |
| Chevrolet Equinox | suv | $27,995 | $2,380 | low | low | View rates → |
| Toyota Highlander | suv | $37,280 | $2,380 | low | low | View rates → |
| GMC Sierra 1500 | truck | $38,195 | $2,180 | moderate | moderate | View rates → |
🚗 Sedans
Toyota Camry
2026 · 5-Star NHTSA
Toyota Camry insurance costs an average of $1,920/year ($160/month) for full coverage in 2026 for a typical 35-year-old driver.
Honda Civic
2026 · IIHS Top Safety Pick+
Honda Civic insurance averages $2,080/year ($173/month) for full coverage in 2026 for a typical driver.
Toyota Corolla
2026 · IIHS Top Safety Pick+
Toyota Corolla insurance is one of the cheapest in any car category, averaging $1,740/year ($145/month) for full coverage in 2026.
Honda Accord
2026 · IIHS Top Safety Pick+
Honda Accord insurance averages $1,980/year ($165/month) for full coverage in 2026.
Nissan Altima
2026 · IIHS Top Safety Pick
Nissan Altima insurance averages $2,100/year ($175/month) for full coverage in 2026.
🚙 SUVs & Crossovers
Toyota RAV4
2026 · IIHS Top Safety Pick+
Toyota RAV4 insurance averages $2,260/year ($188/month) for full coverage in 2026.
Honda CR-V
2026 · IIHS Top Safety Pick+
Honda CR-V insurance averages $2,470/year ($206/month) for full coverage in 2026.
Jeep Grand Cherokee
2026 · IIHS Acceptable
Jeep Grand Cherokee insurance averages $2,570/year ($214/month) for full coverage in 2026 — about 10–15% above the average compact SUV.
Ford Explorer
2026 · 5-Star NHTSA
Ford Explorer insurance averages $2,450/year ($204/month) for full coverage in 2026.
Subaru Outback
2026 · IIHS Top Safety Pick+
Subaru Outback insurance averages $2,090/year ($174/month) for full coverage in 2026 — among the cheapest SUVs to insure.
Hyundai Tucson
2026 · IIHS Top Safety Pick+
Hyundai Tucson insurance averages $2,660/year ($222/month) for full coverage in 2026 — 43% above the national average, driven by the Hyundai/Kia theft epidemic.
Chevrolet Equinox
2026 · IIHS Top Safety Pick
Chevrolet Equinox insurance averages $2,240/year ($187/month) for full coverage in 2026 — below the compact SUV average.
Toyota Highlander
2026 · IIHS Top Safety Pick+
Toyota Highlander insurance averages $2,330/year ($194/month) for full coverage in 2026.
🛻 Trucks & Pickups
Ford F-150
2026 · 5-Star NHTSA
Ford F-150 insurance costs an average of $2,140/year ($178/month) for full coverage in 2026.
Chevrolet Silverado 1500
2026 · 5-Star NHTSA
Chevrolet Silverado 1500 insurance costs an average of $2,120/year ($177/month) for full coverage in 2026.
Toyota Tacoma
2026 · IIHS Top Safety Pick
Toyota Tacoma insurance averages $2,290/year ($191/month) for full coverage in 2026.
GMC Sierra 1500
2026 · 5-Star NHTSA
GMC Sierra 1500 insurance averages $2,230/year ($186/month) for full coverage in 2026 — slightly above the Silverado due to its higher average transaction price and premium brand positioning.
🏎️ Sports Cars
💎 Luxury Vehicles
BMW 3 Series
2026 · IIHS Top Safety Pick
BMW 3 Series insurance averages $3,340/year ($278/month) for full coverage in 2026.
Mercedes-Benz C-Class
2026 · IIHS Top Safety Pick+
Mercedes-Benz C-Class insurance costs an average of $3,560/year ($297/month) for full coverage in 2026 — among the highest premiums for any non-exotic vehicle.
Browse by State
Select a state to see insurance rates for all 20 models in that state.
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Why Your Car Model Affects Insurance Rates
Safety Rating
IIHS Top Safety Pick+ vehicles have fewer severe injury claims per accident — insurers pass these savings to you as lower premiums. A Subaru Outback (Top Safety Pick+) costs $300–$500/year less to insure than a comparable vehicle with average safety ratings.
Repair Cost Index
Vehicle repair cost per claim is the biggest model-specific pricing factor. A BMW 3 Series repair runs 40–55% more than a Toyota Camry repair for equivalent damage. Insurers price this directly into your collision and comprehensive premiums.
Theft Rate
Vehicles with high theft rates (Ford Mustang, Hyundai Tucson, older Honda models) carry higher comprehensive premiums. The difference between a low-theft and high-theft vehicle of similar value can be $200–$500/year in comprehensive coverage alone.