Car Insurance Rates By Make And Model: 2025 Rates

Choosing a car involves more than styling, features and price. The make and model you drive can have a big impact on your car insurance costs, sometimes adding hundreds of dollars per year.

Insurers look closely at each vehicle’s repair costs, safety performance, theft rates and claim history, which is why two cars that look similar on the surface can come with very different premiums.

Average Car Insurance Rates By Car Brand

Car insurance costs can vary widely depending on the brand you drive. Some brands are known for affordable premiums due to strong safety ratings and low repair costs, while others tend to be more expensive because of luxury features or higher claim rates.

The table below shows the average annual insurance rates for major car brands, giving you a quick way to compare how your vehicle stacks up.

Certain car brands consistently cost more to insure than others, and the data in the table shows just how wide the gap can be. Brands like Mini Cooper ($5,652), Buick ($5,477), GMC ($4,909), KIA ($4,760), and Aston Martin ($4,781) rank among the most expensive to insure. These higher premiums are often linked to factors such as costly repairs, limited parts availability, or high claim severity—especially for luxury or performance-focused models.

On the other end of the spectrum, some brands come with noticeably lower insurance costs. Hyundai ($1,081), Jaguar ($1,050), Bentley ($1,056), Volkswagen ($1,319), BMW ($1,374), and Toyota ($1,529) are among the more affordable options based on the averages above. These brands typically benefit from strong safety ratings, lower repair costs, and broader parts availability, which help keep premiums down.

Overall, the contrast between high-cost and low-cost brands highlights how much a vehicle’s make can influence your insurance rate—even before factors like driving history, age, or location come into play.

10 Cheapest Car Models To Insure

Factors like safety ratings, repair costs, vehicle design, and theft rates all influence how much you’ll pay for coverage. The models below rank among the most budget-friendly vehicles to insure, making them great picks for drivers who want lower annual premiums without sacrificing reliability or safety.

10 Most Expensive Car Models To Insure

While some models are known for low premiums, others sit firmly at the top of the price spectrum due to higher repair costs, powerful engines, luxury features, or greater claim severity.

Models like the Tesla Model S and BMW M5 regularly appear among the most expensive vehicles to insure, and the list below highlights the top models with the highest average annual premiums.

Why Do Insurance Rates Vary By Car Brand And Model?

Car insurance companies look at much more than the driver when setting premiums. The brand and model of your vehicle can have a major impact on how much you pay because some cars are statistically more expensive to repair, more likely to be involved in claims or more attractive to thieves. Insurers use this data to calculate risk, which is why two different vehicles can have very different insurance costs even when everything else is the same.

One of the biggest factors is repair cost. Luxury brands and performance models often require expensive parts and specialized labor, which increases the cost of claims. Cars with advanced technology or rare components also tend to have higher premiums because they cost more to fix after an accident.

Safety ratings and crash test performance play a major role as well. Vehicles that protect occupants well in collisions typically lead to fewer and less severe claims, which helps keep insurance costs lower. On the other hand, cars that score poorly or lack modern safety features are usually more expensive to insure.

Theft rates also influence premiums. If a particular model is frequently stolen or targeted for parts, insurers adjust rates upward to reflect the added risk. Reliability matters too. Cars that break down often or generate higher claim frequencies usually come with higher insurance prices.