Auto Insurance Rates by Vehicle in 2025

Auto insurance rates by vehicle start as low as $25 per month for models like the Chevrolet Venture. Sedans and compact SUVs like the Toyota RAV4 are affordable to insure, while pickups and high-performance vehicles cost more, making them less likely to qualify for the cheapest car insurance.

Comparing auto insurance rates by make and model is the best way to uncover savings. Enter your ZIP code into our free tool to see personalized quotes from top providers. Start saving today by finding the most affordable coverage for your vehicle.

Comparing Car Insurance Prices for Popular Vehicles

The cost of auto insurance can vary between providers and vehicle types. Sedans and hatchbacks often offering the best car insurance prices. SUVs and crossovers also remain relatively reasonable, whereas pickups and trucks often have higher premiums for repair costs as well as liability risks.

Insurance Company	Pickups / Trucks	Sedans / Hatchback	SUVs / Crossovers
	$68	$54	$63
	$67	$52	$62
	$69	$55	$64
	$62	$48	$56
	$71	$56	$65
	$66	$51	$61
	$67	$52	$62
	$64	$50	$57
	$66	$51	$60
	$60	$46	$54

USAA and Geico offer the lowest monthly premiums, starting around $46–$54, while Liberty Mutual and Farmers are higher at $55–$71. For a detailed comparison, see how coverage, discounts, and pricing differ in Farmers vs. USAA auto insurance. Most other major insurers, including State Farm, Nationwide, and Travelers, fall in the midrange.

Insurance Company	Chevy Silverado	Ford F-Series	Toyota RAV4
	$68	$67	$60
	$66	$65	$58
	$65	$64	$57
	$57	$56	$50
	$71	$70	$62
	$64	$63	$55
	$62	$61	$53
	$60	$59	$52
	$67	$66	$59
	$54	$53	$47

The Chevy Silverado, Ford F-Series, and Toyota RAV4 show notable differences in monthly premiums depending on the provider. USAA and Geico offer the lowest costs, with rates as low as $47 a month for the RAV4 and $53–$57 monthly for the Silverado and F-Series.

State Farm, Progressive, and Nationwide offer insurance rates for cars and trucks in the $52–$64 range. Liberty Mutual and Allstate are higher, up to $71 monthly. The Toyota RAV4 is cheapest, while trucks like the Silverado and F-Series cost more.

How Vehicle Choice Impacts Monthly Car Insurance Costs

The 20 top-selling vehicles in the U.S. show how costs vary, which you can use as a car insurance coverage calculator to estimate monthly premiums. Compact cars like the Honda Civic at $57 a month are the cheapest, while midsize options such as the Camry at $60 and Nissan Rogue at $59 remain affordable.

Full-size pickups, such as the Ford F-Series, Chevy Silverado, and the Ram 1500, average $65 per month and cost more due to higher liability auto insurance repair risks. Even a $10 monthly difference adds up yearly, so it’s smart to get a car insurance estimate by model. Vehicles with safety features may qualify for lower rates.

The Tesla Model Y at $183 is the most expensive, reflecting costly parts and repairs, and average car insurance rates by make and model show sedans and compact SUVs have the lowest premiums, while large trucks and EVs are the priciest. Learn how electric cars work to see how they impact your monthly rates.

Monthly auto insurance premiums differ by both vehicle type and gender, with men usually paying slightly more, no matter what kind of car they drive. Hatchbacks, sedans, SUVs, hybrids/EVs, minivans, and vans/wagons all cost about $3–$4 less per month for women.

Overall, women generally see lower premiums. Pickups show one of the biggest gaps at $78 per month for men and $74 monthly for women. The exception is sports cars, where women pay more at $83 a month compared to $79 a month for men.

Average Car Insurance Costs Across the U.S.

Rates for best-selling vehicles vary by state due to local risks, repair costs, and insurance rules. With State Farm’s Drive Safe & Save program, discounts range from $29 in lower-cost states to $131 in higher-cost areas. Read our State Farm auto insurance review for more.

The auto insurance cost by vehicle reveals that compact cars and SUVs are the most affordable to insure, while larger trucks and sportier models can be costlier in certain locations. Since sports cars, EVs, and luxury models are the most expensive to insure, finding the best auto insurance for luxury and exotic vehicles is key.

The Toyota Supra tops insurance costs at $199 per month, followed by Teslas, with the Model Y higher than the Model 3. Other costly cars included the $169, Nissan GTR, the BMW M4 at $127, or a Maserati Ghibli for $98. Powerful, high-tech cars are getting cheaper to insure, while lower maintenance ones can remain relatively expensive.

Cars ranked by insurance cost show that older sedans, minivans, and compacts with low values are the cheapest to insure. The Chevrolet Venture leads at $25 monthly, followed by the Pontiac Bonneville at $40. The Ford Windstar averages $47, and the Chevrolet Cavalier $50 per month.

Where you live influences the average rate for car insurance. If you live in a high-risk coastal area or a city prone to traffic jams or auto thefts, you could see rates double or triple for pickup trucks or sports cars. Driving a sedan and avoiding speeding tickets and accidents can keep your rates as low as possible.

Read More: Worst States for Filing Auto Insurance Claims

Getting Affordable Auto Insurance Rates by Vehicle

When comparing auto insurance rates by vehicle, costs vary widely depending on the model, repair expenses, and safety features. The Chevrolet Venture is the most affordable at just $25 per month, while sedans and compact SUVs like the Toyota RAV4 start around $46–$55.

Midsize cars like the Camry average $60, while pickups such as the F-Series or Silverado cost over $63. Sports cars like the Supra reach $199, and EVs like the Tesla Model Y average $183. Comparing the best car insurance companies, like USAA and Geico, helps drivers get the lowest rates.

Find the cheapest minimum auto insurance rates by entering your ZIP code in our free comparison tool and start saving today.