About $1,236 a year for full coverage on a national average — 14% less than the $1,438 average car. Insurers rate the Polestar 2 at an index of 86 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly. Collision — damage to your own car in a crash — carries this car's highest loss index at 110, while Personal injury (PIP) sits at 55. That gap is the real reason behind the price, and it's the part a quote form never shows you. Among 78 luxury cars we hold data for, the 2 ranks #1 from cheapest, below the class median of 138. Calculated from 4 insurance-loss records.
Why a 2 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,236: Liability (BI + PD) $593 · Collision $346 · Comprehensive $148 · Other (UM / PIP) $148.
The 2 against its class
Every luxury cars we hold insurance data for, cheapest to insure first. The 2 is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Luxury cars), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 138, roughly $1,986 a year.
How it changed by generation
Insurance-loss index of the 2 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The 2 has become more expensive to insure over time (+3 points).
What a 2 costs by state
Where you park matters as much as what you drive. The 2's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | 2 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -31% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Polestar 2
Polestar 2 insurance — frequently asked
How much is insurance for a Polestar 2?
About $1,236 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 86 applied to the US average premium.
Why is the 2 expensive or cheap to insure?
Its costliest area is Collision (index 110), which covers damage to your own car in a crash. Insurers set premiums from claim history like this, not from the sticker price.
Is the 2 cheaper to insure than rivals?
It ranks #1 of 78 in the luxury cars class, where the median index is 138 against this car's 86. Cheaper rivals are listed in the chart above.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same 2 can differ by hundreds between two drivers.