The average US driver pays about $1,438 a year to fully insure a car (2023 NAIC data). But the number swings hard on two things: which car you drive and which state you live in. On our data a car can cost anywhere from roughly $690 to over $10,589 a year to insure — before your own age, record and coverage even enter the picture. Use the calculator above to estimate any of 669 models in your state.
Cheapest cars to insure
The cheapest cars to insure share a profile: low theft, low repair cost and low injury claims. On our loss data the Chevrolet Express is among the cheapest — roughly $690/yr at the national average, about 52% below a typical car. Cars with top crash-test scores tend to file fewer injury claims — see the safest cars.
Estimated annual premium at the US average, cheapest first — from real HLDI insurance-loss indices.
See the full cheapest-cars-to-insure ranking →
Most expensive cars to insure
At the other end, exotics and high-power luxury cars cost the most — the McLaren 720S runs around $10,589/yr, roughly 636% above average. Powerful, expensive-to-repair and theft-prone cars all push the premium up.
Estimated annual premium at the US average, priciest first.
See the full most-expensive-cars-to-insure ranking →
Insurance cost rankings
Full lists ranked by real HLDI loss data. Each row shows what tops that list and what it costs — so the ranking is useful before you even open it.
| Ranking | Tops the list | Estimated cost | vs average car | Cars ranked |
|---|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | -52% | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | +636% | 669 |
| Cheapest SUVs | Buick Rendezvous | $938/yr | -35% | 124 |
| Priciest SUVs | Dodge Durango | $4,305/yr | +199% | 124 |
| Cheapest Trucks | Ford Ranger | $1,038/yr | -28% | 28 |
| Cheapest Sedans | Mini Cooper | $959/yr | -33% | 89 |
| Cheapest Sports Cars | Saturn SKY | $892/yr | -38% | 51 |
| Priciest Sports Cars | McLaren 720S | $10,589/yr | +636% | 51 |
| Cheapest Minivans | Pontiac Montana | $923/yr | -36% | 35 |
| Priciest Luxury Cars | Bentley Continental | $9,988/yr | +595% | 174 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | -52% | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | -52% | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | -52% | 591 |
Or check any make and model yourself in the estimator — no quote form →
Know what a car really costs to insure and own.
- Your personalized rate by coverage, age and deductible
- Insurance folded into the 5-year cost to own
- Full breakdown: what each coverage actually costs
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Car insurance cost by state
Where you live moves the premium as much as what you drive. Florida is the priciest at about $1,994/yr, while Maine is the cheapest at $926 — a difference of over $1,068 on the exact same car.
Average annual premium by state (combined liability + collision + comprehensive), NAIC 2023.
| State | Avg premium / yr | vs US average |
|---|---|---|
| Florida | $1,994 | +39% vs US |
| Louisiana | $1,979 | +38% vs US |
| New York | $1,896 | +32% vs US |
| District of Columbia | $1,818 | +26% vs US |
| Georgia | $1,746 | +21% vs US |
| Texas | $1,727 | +20% vs US |
| Rhode Island | $1,710 | +19% vs US |
| New Jersey | $1,693 | +18% vs US |
| Colorado | $1,655 | +15% vs US |
| Maryland | $1,602 | +11% vs US |
| Maine | $926 | -36% vs US |
| Vermont | $958 | -33% vs US |
| North Dakota | $961 | -33% vs US |
| Idaho | $981 | -32% vs US |
| Hawaii | $998 | -31% vs US |
| Wisconsin | $1,000 | -30% vs US |
See all 51 states ranked, cheapest to most expensive →
Insurance cost by vehicle type
Body style is a strong signal: Vans and minivans are cheapest to insure, while Luxury cars and sports cars cost the most — driven by repair cost, theft and how they're driven.
Average insurance-loss index by vehicle class (100 = average car).
Fuel is the other big running cost by body type — see the most fuel-efficient cars by class.
Car insurance cost by brand
Every brand we hold loss data for, dearest to insure first. The estimate is the brand's median model at the US average premium of $1,438/yr; pick a brand for its full breakdown — every model, the cheapest and priciest to insure, and cost by state.
| Brand | Median estimate | Range across models | Models | vs average car |
|---|---|---|---|---|
| McLaren | $6,960 – $10,589 | 2 | +636% | |
| Aston Martin | $2,642 – $8,468 | 3 | +476% | |
| Lamborghini | $5,500 – $8,244 | 2 | +473% | |
| Bentley | $6,392 – $9,988 | 3 | +436% | |
| Ferrari | $2,747 – $9,419 | 8 | +312% | |
| Lotus | $5,417 – $5,417 | 1 | +277% | |
| Lucid | $4,013 – $4,013 | 1 | +179% | |
| Maserati | $2,322 – $6,547 | 5 | +142% | |
| Alfa Romeo | $1,326 – $2,725 | 4 | +52% | |
| Audi | $1,199 – $6,877 | 37 | +44% | |
| Mitsubishi | $1,299 – $2,728 | 12 | +39% | |
| Porsche | $1,251 – $3,532 | 7 | +38% | |
| Jaguar | $1,426 – $3,300 | 13 | +35% | |
| Dodge | $1,160 – $4,627 | 16 | +34% | |
| BMW | $1,096 – $8,865 | 82 | +30% | |
| Mercedes-Benz | $1,091 – $4,770 | 26 | +29% | |
| Suzuki | $1,165 – $1,987 | 10 | +27% | |
| Scion | $1,117 – $2,085 | 8 | +24% | |
| Acura | $1,011 – $4,937 | 12 | +24% | |
| Rivian | $1,662 – $1,694 | 2 | +18% | |
| Land Rover | $1,090 – $2,341 | 11 | +17% | |
| Infiniti | $1,316 – $2,829 | 26 | +16% | |
| Genesis | $1,402 – $3,082 | 6 | +15% | |
| Isuzu | $1,179 – $1,644 | 2 | +14% | |
| Saab | $1,270 – $1,737 | 4 | +14% | |
| Lexus | $1,041 – $2,479 | 16 | +14% | |
| Kia | $1,189 – $3,214 | 20 | +10% | |
| Tesla | $1,368 – $2,000 | 5 | +9% | |
| Cadillac | $1,196 – $1,950 | 17 | +6% | |
| Chrysler | $1,096 – $2,041 | 8 | +6% | |
| Jeep | $1,218 – $2,265 | 14 | +4% | |
| Hyundai | $1,044 – $2,292 | 25 | +3% | |
| Nissan | $1,018 – $5,906 | 25 | +3% | |
| RAM | $1,011 – $1,628 | 7 | -0% | |
| Toyota | $1,064 – $2,672 | 29 | -1% | |
| Chevrolet | $690 – $3,424 | 30 | -2% | |
| Lincoln | $1,183 – $1,713 | 15 | -4% | |
| Honda | $1,020 – $2,330 | 18 | -6% | |
| Buick | $938 – $1,451 | 13 | -7% | |
| Pontiac | $923 – $2,028 | 9 | -9% | |
| Volkswagen | $992 – $2,883 | 20 | -10% | |
| Ford | $951 – $1,957 | 32 | -11% | |
| Mazda | $999 – $1,980 | 11 | -11% | |
| Saturn | $892 – $1,534 | 6 | -13% | |
| Polestar | $1,235 – $1,235 | 1 | -14% | |
| Volvo | $902 – $1,583 | 16 | -17% | |
| Subaru | $946 – $1,537 | 12 | -19% | |
| GMC | $958 – $1,391 | 8 | -20% | |
| Mini | $887 – $1,291 | 5 | -23% | |
| Fiat | $985 – $1,537 | 3 | -27% | |
| Smart | $706 – $706 | 1 | -51% |
What affects your car insurance cost
Our estimate covers the car and the state — the two biggest levers. Your exact quote also moves on:
Coverage types in plain terms
Car insurance cost — frequently asked
How much is car insurance per year?
The US average is about $1,438 a year for full coverage (2023 NAIC data). It ranges from roughly $926 in Maine to $1,994 in Florida, and the car you drive shifts it further.
What is the cheapest car to insure?
On our insurance-loss data, the cheapest cars to insure include the Chevrolet Express and other low-theft, low-repair vehicles — around $690/yr at the national average, well below a typical car.
What is the most expensive car to insure?
High-power exotics and luxury cars cost the most — the McLaren 720S runs about $10,589/yr, roughly 636% above average, because they are costly to repair and more often stolen or crashed.
Which state has the cheapest car insurance?
Maine has the lowest average premium in our data at about $926/yr, while Florida is the priciest at $1,994.
Are SUVs cheaper to insure than cars?
Often, yes. On average SUVs and minivans carry a lower insurance-loss index than four-door and sports cars — they are driven more conservatively and have lower injury and theft claims.
How is this estimate calculated?
We combine each car's real HLDI insurance-loss index (how much it costs insurers versus an average car) with the NAIC average premium for your state. It's an estimate for a typical driver with full coverage — your exact rate depends on your age, record and coverage.