How much car insurance costs
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 645 models in your state.
INSURANCE / NATIONAL
$1,438
US average / year
BY STATE / HIGH
Florida
priciest state ($1,994)
BY STATE / LOW
Maine
cheapest state ($926)
COVERAGE
645
models with real loss data
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.
Estimated annual premium at the US average, cheapest first — from real HLDI insurance-loss indices.
FIG.01
01
Chevrolet Express48% of avg$690
02
Smart Fortwo49% of avg$706
03
Mini Cooper Roadster62% of avg$887
04
Volvo S60 Cross Country63% of avg$902
05
Buick Rendezvous65% of avg$938
06
Subaru Forester66% of avg$946
07
Buick Terraza66% of avg$951
10
Mini Cooper67% of avg$959
11
Subaru Outback67% of avg$959
13
Subaru Crosstrek68% of avg$978
14
Buick Cascada68% of avg$979
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.
FIG.02
01
McLaren 720S736% of avg$10,589
02
Bentley Continental695% of avg$9,988
03
Ferrari 458 Italia655% of avg$9,419
05
Aston Martin DBX589% of avg$8,468
06
Aston Martin Vantage576% of avg$8,281
07
Lamborghini Huracan573% of avg$8,244
08
Bentley Flying Spur536% of avg$7,711
09
McLaren 570S484% of avg$6,960
11
Ferrari Roma466% of avg$6,705
12
Maserati Granturismo455% of avg$6,547
13
Bentley Bentayga445% of avg$6,392
14
BMW Alpina439% of avg$6,307
15
Ferrari F8 Tributo422% of avg$6,064
See the full most-expensive-cars-to-insure ranking →
Insurance cost rankings
Full lists ranked by real HLDI loss data — the cheapest and priciest to insure, overall and by body type.
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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.
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).
FIG.04
02
Station wagons$1,221/yr85% of avg
03
Minivans$1,311/yr91% of avg
04
Two-door cars$1,326/yr92% of avg
05
Pickups$1,389/yr97% of avg
07
Four-door cars$1,694/yr118% of avg
08
Luxury SUVs$1,918/yr133% of avg
09
Sports cars$2,414/yr168% of avg
10
Luxury cars$2,540/yr177% of avg
Car insurance cost by brand
Pick a brand for its full insurance breakdown — every model with an estimate, the cheapest and priciest to insure, and cost by state.
Acura
12 models · ~$1,776/yr
Alfa Romeo
4 models · ~$2,184/yr
Aston Martin
3 models · ~$8,281/yr
Audi
37 models · ~$2,075/yr
Bentley
3 models · ~$7,711/yr
BMW
82 models · ~$1,869/yr
Buick
13 models · ~$1,342/yr
Cadillac
17 models · ~$1,530/yr
Chevrolet
30 models · ~$1,403/yr
Chrysler
8 models · ~$1,530/yr
Dodge
16 models · ~$1,927/yr
Ferrari
8 models · ~$5,922/yr
Fiat
3 models · ~$1,054/yr
Ford
32 models · ~$1,287/yr
Genesis
6 models · ~$1,657/yr
GMC
8 models · ~$1,152/yr
Honda
18 models · ~$1,355/yr
Hyundai
25 models · ~$1,484/yr
Infiniti
26 models · ~$1,670/yr
Isuzu
2 models · ~$1,644/yr
Jaguar
13 models · ~$1,937/yr
Jeep
14 models · ~$1,500/yr
Kia
20 models · ~$1,575/yr
Lamborghini
2 models · ~$8,244/yr
Land Rover
11 models · ~$1,675/yr
Lexus
16 models · ~$1,638/yr
Lincoln
15 models · ~$1,380/yr
Lotus
1 model · ~$5,417/yr
Lucid
1 model · ~$4,013/yr
Maserati
5 models · ~$3,479/yr
Mazda
11 models · ~$1,281/yr
McLaren
2 models · ~$10,589/yr
Mercedes-Benz
26 models · ~$1,858/yr
Mini
5 models · ~$1,107/yr
Mitsubishi
12 models · ~$1,996/yr
Nissan
25 models · ~$1,481/yr
Polestar
1 model · ~$1,235/yr
Porsche
7 models · ~$1,986/yr
RAM
7 models · ~$1,437/yr
Rivian
2 models · ~$1,694/yr
Saab
4 models · ~$1,644/yr
Smart
1 model · ~$706/yr
Subaru
12 models · ~$1,159/yr
Suzuki
10 models · ~$1,821/yr
Tesla
5 models · ~$1,563/yr
Toyota
28 models · ~$1,429/yr
Volkswagen
20 models · ~$1,301/yr
Volvo
16 models · ~$1,188/yr
What affects your car insurance cost
Our estimate covers the car and the state — the two biggest levers. Your exact quote also moves on:
The carTheft rate, repair cost, safety and power — exactly what our loss index measures.
State & ZIPLocal accident rates, repair costs and state law set the baseline premium.
Coverage levelLiability-only is cheapest; full coverage adds collision + comprehensive.
Driver profileAge, driving record, credit history and annual mileage.
DeductibleA higher deductible lowers the premium — you just pay more out of pocket on a claim.
DiscountsBundling, safe-driver, low-mileage and paperless discounts can cut 10–25%.
Coverage types in plain terms
LiabilityPays for the damage and injury you cause to others. Required in almost every state.
CollisionRepairs your own car after a crash — whoever is at fault.
ComprehensiveCovers theft, fire, weather, vandalism and animal strikes.
GapPays the difference if a financed car is totaled and you owe more than it's worth.
Uninsured motoristCovers you when an at-fault driver has no insurance, or too little to pay.
Medical / PIPPays medical bills for you and your passengers after a crash, regardless of fault.
Frequently asked questions
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.
Methodology
Insurance-cost estimates computed by ForCar by combining
HLDI/IIHS insurance-loss indices for 645 vehicle models (relative losses versus an average car, 100 = average) with
NAIC state average premiums across 51 states (combined liability, collision and comprehensive, 2023). Estimates assume a typical driver with full coverage; individual quotes vary with age, driving record, credit, ZIP and coverage. Figures are for research and comparison, not a quote.
Reviewed by Denis Kataev, founder of ForCar.