Car insurance costs vary widely depending on what you drive. The make and model of your vehicle affects your rate because insurers factor in repair costs, theft rates, vehicle safety ratings and the risk profile associated with each car. Based on Jerry’s data, the average driver pays between $128 and $343 per month depending on their vehicle’s make, with Subaru being the most affordable and Tesla being the most expensive to insure.

According to the Insurance Information Institute, your vehicle’s make and model is one of the primary factors insurers use to calculate your premium, alongside your driving history, location and coverage choices. Understanding where your car falls on the cost spectrum can help you plan your coverage budget.

Jerry has helped millions of drivers compare car insurance quotes from 100+ insurers. Here’s what drivers pay by make and model, based on Jerry’s data from the past 12 months.

Cheapest car to insure

The make of your car is one of the biggest cost drivers in what you pay for coverage. The table below shows average insurance rates by brand based on Jerry’s data, sorted from lowest to highest average monthly cost. Figures reflect drivers with no accidents, no violations, model year 2016 or newer, and at least 1,000 quotes in our system.

Keep in mind that rates within a brand can vary significantly by model. A Chevrolet Corvette costs much more to insure than a Chevrolet Colorado, even though they’re the same brand. The figures below represent averages across all models in each lineup.

Acura car insurance

Acura is Honda’s luxury brand, known for performance-oriented vehicles like the Integra, TLX and MDX. Luxury vehicles typically cost more to insure because their higher replacement value and more expensive parts increase claim costs. Jerry drivers pay an average of $400 per month for Acura coverage, or about $4,797 per year — more than most mainstream brands, but well below European luxury competitors.

Alfa Romeo car insurance

Alfa Romeo makes a small lineup of Italian performance vehicles: the Giulia sedan, Stelvio SUV and Tonale compact SUV. All three cost significantly more to insure than mainstream brands. Specialized Italian parts, premium repair labor and a sportier driver profile push rates well above average. Based on Jerry’s data, Alfa Romeo drivers pay an average of $535 per month for coverage.

Audi car insurance

Audi offers one of the broadest lineups of any luxury brand, spanning entry-level sedans, full-size SUVs, performance RS and S models, and the E-Tron EV. What you pay depends heavily on which model you choose: Audi’s Q-series SUVs are significantly more affordable to insure than its performance sedans and RS variants. Based on Jerry’s data, Audi drivers pay an average of $439 per month for coverage.

Audi’s German engineering and proprietary parts network mean repair costs are higher than mainstream or Japanese brands. But the spread within the brand is wide — the Q5 averages $359 per month while the RS5 averages $661 per month, a difference of nearly $302 monthly.

BMW car insurance

BMW makes one of the widest model ranges in luxury automotive, covering entry-level 2 Series coupes, the best-selling 3 Series sedan, mid-size 5 Series, full-size 7 Series and the i3 electric vehicle. That breadth means BMW insurance costs vary more within the brand than almost any other make in Jerry’s data. Based on Jerry’s data, BMW drivers pay an average of $508 per month for coverage.

BMW’s higher-than-average repair costs are a core driver of elevated rates across the lineup. German engineering means specialized parts, factory-trained labor and longer repair times compared to domestic or Japanese vehicles.

The performance suffix matters a lot at BMW. A base 3 Series and an M-performance or high-displacement variant share the same nameplate but can differ by hundreds of dollars per month. The 550i averages $669 per month, more than double the entry-level 320 at $408 per month.

BMW also sells plug-in hybrid and electric models including the 330e, 530e and i3. The i3 is actually one of the more affordable models at $385 per month; its lower vehicle value offsets the EV cost premium. Plug-in hybrids like the 330e and 530e run closer to their combustion counterparts.

Buick car insurance

Buick is one of the most affordable brands to insure in Jerry’s data, and the numbers back that up across every model in its lineup. The most affordable car — the Cascada — comes in at just $273 per month. That’s cheaper than many mainstream non-luxury brands, reflecting moderate vehicle values, widely available GM parts and a driver profile that skews toward lower-risk buyers. Based on Jerry’s data, Buick drivers pay an average of $302 per month for full coverage.

Buick sits in a unique position as GM’s near-luxury brand with more refinement than Chevrolet, but sharing many of the same platforms and parts. A Buick Enclave and a Chevy Traverse are mechanically similar, and their insurance rates reflect that. The Enclave averages $277 per month, only slightly more than the Traverse’s $288 per month average.

The exception is the Envista, Buick’s newest compact SUV, which averages $370 per month — nearly $33 more per month than the next most expensive model. Drivers who want to keep costs low will find the Cascada, Enclave and Encore the most cost-effective options.

Cadillac car insurance

Cadillac is GM’s flagship luxury brand, with a lineup spanning compact SUVs, full-size SUVs, performance sedans and electric vehicles. Despite carrying a luxury badge, Cadillac’s insurance costs are more competitive than European counterparts because of shared GM parts infrastructure and a nationwide domestic repair network. Based on Jerry’s data, Cadillac drivers pay an average of $386 per month for full coverage.

The widest gap in the lineup is between Cadillac’s SUVs and its V-series performance sedans. The SRX and XT5 average $293 per month and $314 per month respectively, competitive even by non-luxury standards. The CT4-V and CT5-V push toward $550 to $545 per month. Cadillac has also been expanding into EVs with the Lyriq and Optiq, both sitting at around $407 to $419 per month — mid-range for the brand and far below European EV luxury equivalents.

Chevrolet car insurance

Chevy has one of the most diverse lineups of any brand in the country, covering compact cars, mid-size and full-size trucks, SUVs, electric vehicles and performance cars. That range means insurance costs vary more within Chevrolet than most other mainstream brands. So, what’s the cheapest Chevrolet to insure, and how much does the Corvette really cost?

The Express van averages just $257 per month while the Corvette averages $517 per month. Chevy’s everyday lineup — the Silverado, Equinox, Traverse, Tahoe and Suburban — all fall between $288 and $317 per month, making them some of the most affordable vehicles in their respective classes to insure. GM’s wide parts availability and nationwide service network keep repair costs at a competitive level even for larger vehicles.

Based on Jerry’s data, Chevrolet drivers pay an average of $340 per month for coverage across all models. 

Performance model sports cars are the exception. The Camaro averages $490 per month and the Corvette $517 per month, both driven up by higher vehicle values, sportier driver profiles and significantly higher repair costs. Drivers cross-shopping a Silverado and a Camaro should factor in that insurance difference, which exceeds $173 per month.

Chrysler car insurance

Chrysler’s current lineup is built around the Pacifica minivan, along with the Voyager and older models like the Town and Country and 300 sedan. Minivans are among the most affordable vehicles to insure because they are associated with lower-risk drivers and see fewer severe claims. Based on Jerry’s data, Chrysler drivers pay an average of $347 per month for coverage. The split in the lineup is clear: minivan models average under $262 per month while the 300 averages $434 per month, nearly a $172 per month difference within the same brand.

Dodge car insurance

Dodge is defined by the Challenger and Charger, and those two models have an outsized effect on the brand’s average. At $527 per month and $565 per month respectively, both are among the most expensive vehicles of any mainstream brand to insure. Based on Jerry’s data, Dodge drivers pay an average of $464 per month, one of the highest rates of any mainstream American brand.

Strip out the performance models and the rest of the lineup — Grand Caravan $251 per month, Journey $312 per month, Hornet $359 per month, Durango $370 per month — all sit close to mainstream averages.

Ford car insurance

Ford makes one of the best selling vehicles in the United States and its lineup covers more ground than almost any other make, from the Transit commercial van and Maverick compact pickup all the way to the F-150 Lightning electric truck and Mustang sports car. So, how much does it cost to insure a Ford, and which models are the most affordable?Based on Jerry’s data, Ford drivers pay an average of $330 per month for coverage, making it one of the most affordable mainstream brands overall.

The F-150 is America’s favorite vehicle (by the numbers) and shows up across a wide range of insurance costs by configuration. Base variants like the Supercrew and Super Cab average just $267 to $276 per month, staying competitive with smaller cars. Higher trims add cost, and the Platinum averages $364 per month while the STX averages $379 per month. The Lightning EV variants average $318 per month, slightly above comparable combustion trims but well below the national EV average.

GMC car insurance

GMC is GM’s truck and SUV brand, and it is the second most affordable make to insure in all of Jerry’s data. Every model in the lineup falls at or below the national average for car insurance, making GMC one of the most cost-predictable brands a driver can choose.Based on Jerry’s data, GMC drivers pay an average of $304 per month for coverage.

The Canyon pickup is GMC’s most affordable model, with most variants averaging $263 to $310 per month. The Canyon SLT averages just $246 per month and the Canyon Denali is $267 per month, both among the cheapest pickups of any brand in Jerry’s data. The Acadia SUV is similarly affordable, with most trims falling between $254 and $326 per month.

The Sierra lineup shows the most variation: light-duty C1500 and K1500 base trims average around $288 to $304 per month, while heavier-duty variants like the Sierra K2500 AT4 reach $403 per month. Denali trims sit between $262 and $353 per month depending on cab class.

The Hummer EV is the most expensive GMC: the Pickup 2X averages $365 per month and the SUV 2X is $416 per month, driven by high vehicle value and battery repair costs. Even so, both remain more affordable than many European luxury vehicles.

Genesis car insurance

Genesis is Hyundai’s luxury brand covering six models, three sedans and three SUVs. It remains more competitive than most European luxury brands due to shared Hyundai parts infrastructure. Based on Jerry’s data, Genesis drivers pay an average of $480 per month.Surprisingly, the most affordable models are the larger ones: the G90 full-size sedan averages $392 per month and the GV60 EV $396 per month. The G70 sport sedan is the most expensive at $528 per month, driven by its performance orientation and a younger, higher-risk driver profile. Drivers choosing between a G70 and a GV70 should factor in that the SUV costs roughly $121 per month less despite the higher sticker price.

Honda car insurance

Honda is one of the most popular brands in the U.S. with strong safety ratings across the lineup, but is Honda expensive to insure? Based on Jerry’s data, Honda drivers pay an average of $371 per month.

The Odyssey minivan leads at $254 per month, the Ridgeline truck at $273 per month, and the CR-V, Pilot and Passport all between $303 and $306 per month. The Prologue EV is the most expensive Honda at $445 per month. A note for Civic owners: certain model years historically rank among the most stolen vehicles, affecting comprehensive rates.

Hyundai car insurance

Hyundai offers a broad lineup of sedans, SUVs, electric vehicles and even a hydrogen model. Insurance costs vary significantly across the lineup, with SUV and crossover models sitting well below the brand average and several sedans running considerably higher. Based on Jerry’s data, Hyundai drivers pay an average of $373 per month for coverage.

The most affordable Hyundais to insure are its larger SUVs. The Palisade full-size SUV averages just $289 per month and the Santa Fe $297 per month — both cheaper than many compact cars from other brands and a reflection of the safety-focused buyer profile those vehicles attract. The Tucson averages $310 per month and the Kona $329 per month, both competitive in the compact SUV class.

The sedans tell a different story. The Sonata averages $421 per month and the Equus $445 per month, notably higher than Hyundai’s SUV lineup. Part of that gap is explained by a well-documented theft risk affecting certain Hyundai sedan and compact SUV models starting around 2022, driven by a viral social media trend that exploited a security vulnerability in older vehicles without engine immobilizers. Hyundai issued software updates for many affected vehicles, but elevated theft rates for certain trims continue to affect comprehensive insurance costs in some markets.

Infiniti car insurance

Infiniti shows the sharpest sedan-vs-SUV insurance split of any brand in Jerry’s data. The QX-series SUVs average between $350 and $409 per month, competitive with mainstream non-luxury brands. But the Q sedan and coupe lineup is a different story entirely. 

The Q50 averages $623 per month and the Q60 $640 per month, both among the most expensive models of any make Jerry tracks. Based on Jerry’s data, Infiniti drivers pay an average of $496 per month for coverage.

Jaguar car insurance

Jaguar makes a small lineup of British luxury vehicles — SUVs, sedans and a performance sports car — and the insurance cost spread between models is significant. The XJ flagship sedan averages $405 per month while the F-Type sports car averages $565 per month for coverage. Based on Jerry’s data, Jaguar drivers pay an average of $446 per month for coverage. European luxury parts, specialized service requirements and a performance-leaning driver profile across the lineup all push rates above mainstream brands.

The SUV models are the most cost-effective entry point. The F-Pace averages $406 per month— under the brand average and competitive for the luxury SUV class. The F-Type is the outlier at $565 per month and $6,782 per year, driven by its sports car profile and high repair costs after a claim.

Jeep car insurance

Jeep is one of the most affordable SUV brands to insure in Jerry’s data, and that holds true across nearly every model in its lineup. Seven of the eight Jeep models average between $292 and $346 per month — a remarkably tight and affordable range for a brand that spans compact crossovers all the way to a midsize pickup truck. Based on Jerry’s data,Jeep drivers pay an average of $314 per month for coverage.

The brand’s affordability comes down to a few factors working in its favor: widespread Stellantis parts availability, a broad and loyal buyer base that skews toward lower-risk profiles on most models, and vehicle values that sit below luxury or performance competitors. The Gladiator pickup and Patriot compact SUV lead the lineup at $294 per month and $292 per month respectively — both among the cheapest trucks and SUVs of any brand in Jerry’s data.

The Wagoneer is the clear outlier at $395 per month and $4,741 per year, it costs roughly $49 per month more than the next most expensive Jeep. As the brand’s premium three-row SUV with a significantly higher vehicle value and repair cost profile, the Wagoneer stands apart from the rest of the Jeep lineup in insurance terms.

Kia car insurance

Kia’s lineup spans everything from the Sedona minivan to the Stinger sport sedan and EV9 electric SUV, and insurance costs vary widely across that range. Most of Kia’s SUV and minivan models are genuinely affordable to insure, and the Sedona leads at $251 per month. The Stinger performance sedan is the outlier at $487 per month.

One important note: certain Kia models — particularly the Soul, Sportage and Forte — have faced elevated theft rates since 2022 due to the same security vulnerability that affected Hyundai vehicles without engine immobilizers. Kia has issued software updates for many affected trims, but this can still affect comprehensive coverage costs on specific model years depending on your insurer and location.

Land Rover car insurance

Land Rover has one of the most complex insurance pricing structures of any brand in Jerry’s data — not just between models, but within them. The Range Rover Sport HSE averages $342 per month while the Range Rover Sport DY averages $489 per month — the same base vehicle, a $147 per month difference. Based on Jerry’s data, Land Rover drivers pay an average of $428 per month for coverage.

The Discovery Sport and Discovery series represent the most affordable entry points into the brand, with most variants averaging between $340 and $417 per month. The Range Rover flagship and Defender models carry the highest rates, driven by premium parts costs, specialized repair requirements and higher vehicle values. The Defender 110 S leads the lineup at $571 per month — more than the brand average.

Lexus car insurance

Lexus is Toyota’s luxury brand and generally one of the more affordable luxury makes to insure… until you get to the performance models. The RX and GX SUVs average between $337 and $347 per month, competitive with many mainstream brands. The RC-F performance coupe, however, averages $743 per month and $8,916 per year, the highest of any Lexus model and one of the most expensive individual models of any make in Jerry’s data. Based on Jerry’s data, Lexus drivers pay an average of $421 per month for coverage.

Toyota’s shared platform and parts network keep Lexus SUV rates well below European luxury competitors. The RX-350, RX and GX average $340 per month — comparable to mainstream midsize SUVs. The performance and coupe lineup tells a completely different story: the RC-F, IS, LC and LX average $550 per month, pulling the brand average well above what most Lexus SUV owners actually pay.

Lincoln car insurance

Lincoln is Ford’s luxury brand and one of the more affordable luxury makes to insure in Jerry’s data. Most of its lineup shares platforms, parts and service networks with Ford, which keeps repair costs — and therefore insurance rates — well below European luxury competitors. Based on Jerry’s data, Lincoln drivers pay an average of $342 per month for coverage.

The pricing across Lincoln’s lineup is remarkably tight. Eight of the nine models average between $299 and $394 per month, with very little separation between the entry-level and mid-tier vehicles. The MKT averages $299 per month and the Navigator averages $371 per month.

The Continental and Aviator sit at the top end at $394 per month and $382 per month respectively, reflecting their higher vehicle values. But even those rates are well below what comparable European luxury vehicles cost to insure.

Mazda car insurance

Mazda is one of the most consistently affordable brands to insure in Jerry’s data, and that holds true across its entire lineup. The spread between its cheapest and most expensive models is only $0 per month — tighter than almost any other brand tracked. Strong safety ratings across the lineup, moderate vehicle values and a broad domestic service network all keep Mazda rates competitive. Based on Jerry’s data, Mazda drivers pay an average of $336 per month for coverage.

The one counterintuitive standout is the MX-5 Miata. Despite being a two-seat sports car, it is the most affordable Mazda to insure at $248 per month — because its low vehicle value offsets the sports car rate premium. Nearly every other model in the lineup averages between $290 and per month, making Mazda one of the most predictable brands to budget for regardless of model choice.

Mercedes-Benz car insurance

Mercedes-Benz has one of the widest insurance cost spreads of any brand in Jerry’s data. The Sprinter commercial van averages $308 per month while the E63 AMG averages $833 per month — a $525 per month difference within the same brand. Most of that range is driven by AMG performance variants, which carry some of the highest per-model insurance costs tracked across any make. Based on Jerry’s data, Mercedes-Benz drivers pay an average of $506 per month for coverage.

The SUV lineup is where Mercedes-Benz becomes more accessible from an insurance standpoint. The GL450 averages $350 per month, the GLS $393 per month and the GLE $407 per month — all competitive for the luxury SUV class and well below the brand’s headline average. G550 averages just $404 per month, a $325 per month spread within the same nameplate driven by trim-level differences.

Mitsubishi car insurance

Mitsubishi’s current lineup is small — four models with enough quote volume to report on — and all four are reasonable to insure. The brand’s value-oriented vehicles, moderate repair costs and widespread parts availability keep rates well below the national average across the board. Based on Jerry’s data, Mitsubishi drivers pay an average of $351 per month for coverage.

Nissan car insurance

Nissan offers one of the most diverse lineups of any mainstream brand — from the NV commercial van to the Z sports car — and insurance costs reflect that range. The NV averages just $253 per month while the Z averages $583 per month. Most of Nissan’s everyday lineup sits in a competitive band, but the sports models and certain sedans push the average up. Based on Jerry’s data, Nissan drivers pay an average of $373 per month for coverage.

One notable consideration for Nissan buyers: certain models including the Altima, Sentra and Rogue have faced elevated theft rates in recent years. Depending on your model year, trim and location, this can affect comprehensive coverage costs. It’s worth confirming with your insurer how they price theft risk for your specific configuration before choosing coverage levels.

Porsche car insurance

Porsche makes exclusively performance and luxury vehicles, so there is no budget-friendly end of the lineup. That said, there is still meaningful variation within the brand. The Boxster roadster averages $427 per month while the Taycan EV averages $661 per month. Based on Jerry’s data, Porsche drivers pay an average of $454 per month for coverage, making it one of the more expensive performance brands but below Infiniti, Alfa Romeo and Tesla.

The Cayenne and Macan SUVs are the most cost-effective entry points. Both average at $416 per month — reasonable for the performance SUV class and well below Porsche’s sports car models. The Taycan is the most expensive model in the lineup, with EV repair complexity compounding the brand’s already-elevated parts and labor costs.

RAM car insurance

RAM makes a focused lineup of trucks and a commercial van, and all models are competitive to insure. Widespread Stellantis parts availability and a durable, workhorse-oriented buyer profile keep rates competitive across the range. Based on Jerry’s data, RAM drivers pay an average of $325 per month for coverage, one of the most affordable of any truck brand.

Subaru car insurance

Subaru is the most affordable make to insure in all of Jerry’s data, and the model-level numbers show why. The Outback and Forester — two of the brand’s most popular vehicles — average $250 and $253 per month respectively. Consistent top safety ratings from the Insurance Institute for Highway Safety (IIHS), a reliability reputation that limits severe claims and a lower-risk buyer demographic all contribute. Based on Jerry’s data, Subaru drivers pay an average of $289 per month for coverage.

Tesla car insurance

Tesla is the most expensive make to insure in Jerry’s data, and the model-level numbers confirm it across the board. Teslas average $579 per month, and the Model S averages $655 per month — more than the entire brand average of most other makes.

But why is Tesla the most expensive car to insure? It comes down to four factors: Proprietary repair networks, expensive battery and body components, high vehicle values and a driver profile that skews toward higher-speed driving all push Tesla insurance well above any other brand.

Toyota car insurance

Toyota is one of the best-selling brands in the world, and its lineup spans more ground than almost any other mainstream brand — from the Sienna minivan and Tacoma pickup to the hydrogen Mirai and GR Supra sports car. For the vast majority of that lineup, insurance is genuinely affordable. But why is Toyota so cheap to insure — and when does it get expensive?

Most Toyota models average between $282 and $688 per month, and the brand’s reputation for reliability, strong crash test performance, high safety ratings and broad parts availability all contribute to rates well below the national average. Based on Jerry’s data, Toyota drivers pay an average of $362 per month for coverage.

The exception is Toyota’s performance lineup. The GR86 averages $635 per month, the GR $525 per month and the Supra $688 per month — all driven by sports car repair profiles and a younger, higher-risk buyer demographic. Outside of those three models, the most expensive Toyota is the Crown at $430 per month. That contrast — between a $282 per month 4Runner and a $688 per month Supra — is one of the widest within-brand spreads of any mainstream automaker.

Volkswagen car insurance

Volkswagen offers a lineup of European-designed sedans, SUVs and an electric vehicle, and most models are more affordable to insure than you might expect from a European brand. The Touareg SUV leads at $294 per month. Based on Jerry’s data, Volkswagen drivers pay an average of $345 per month for coverage.

VW’s affordability relative to other European brands comes down to a broad North American parts and service network and vehicle values that sit below luxury competitors. The Arteon is the clear outlier at $416 per month, reflecting its premium positioning as the brand’s flagship fastback sedan.

Volvo car insurance

Volvo is a Swedish luxury brand with a long-standing emphasis on vehicle safety, and that reputation translates into insurance costs that are more competitive than most European luxury competitors. The V60 wagon leads at $317 per month and most of the lineup sits between $311 and $413 per month, a tight and affordable range for a premium brand. Based on Jerry’s data, Volvo drivers pay an average of $353 per month for coverage.

Volvo’s consistent top safety scores from the Insurance Institute for Highway Safety help offset the premium repair costs that push other European luxury brands higher. The S60 is the outlier at $413 per month, reflecting its sedan profile and sportier trim variants relative to the rest of the Volvo lineup.