Insurance Rates by Car Model: How Much You'll Pay for 20 Different Vehicles

Are you in the market for a new car? If so, you'll need to factor in the cost of insurance. The amount you pay for car insurance will vary depending on a number of factors, including your driving record, your age, and where you live. But one of the biggest factors that affects your insurance rate is the type of car you drive.

How Insurance Rates Are Determined

Insurance companies use a variety of factors to determine how much to charge for car insurance. These factors include:

• The make and model of your car. Some cars are more expensive to insure than others. This is because they are more likely to be stolen or involved in an accident.
• Your driving record. If you have a clean driving record, you will pay less for car insurance than someone with a history of accidents or traffic violations.
• Your age. Younger drivers pay more for car insurance than older drivers. This is because they are more likely to be involved in an accident.
• Where you live. The cost of car insurance varies from state to state. This is because the risk of theft and accidents varies from one area to another.

The Most Expensive Cars to Insure

The following are the 10 most expensive cars to insure, according to the Insurance Institute for Highway Safety (IIHS):

1. Porsche 911
2. Mercedes-Benz S-Class
3. BMW 7 Series
4. Audi A8
5. Lexus LS
6. Jaguar XJ
7. Cadillac Escalade
8. Lincoln Navigator
9. Range Rover
10. Tesla Model S

The Least Expensive Cars to Insure

The following are the 10 least expensive cars to insure, according to the IIHS:

1. Honda Civic
2. Toyota Camry
3. Hyundai Sonata
4. Kia Optima
5. Mazda3
6. Volkswagen Jetta
7. Ford Focus
8. Chevrolet Cruze
9. Nissan Sentra
10. Subaru Impreza

How to Save Money on Car Insurance

There are a number of things you can do to save money on car insurance, including:

• Shop around for the best rates. Don't just go with the first insurance company you find. Compare quotes from several different companies to make sure you're getting the best deal.
• Raise your deductible. The higher your deductible, the lower your monthly premiums will be. However, you need to make sure you can afford to pay your deductible if you have an accident.
• Take advantage of discounts. Many insurance companies offer discounts for things like being a safe driver, having a good credit score, or being a member of certain organizations.
• Bundle your policies. If you have multiple insurance policies, such as car insurance and homeowners insurance, you may be able to get a discount by bundling them together.

By following these tips, you can save money on car insurance and protect yourself from financial hardship in the event of an accident.

Additional Information

In addition to the factors listed above, there are a number of other things that can affect your car insurance rates, including:

• Your gender. Men typically pay more for car insurance than women.
• Your marital status. Married drivers typically pay less for car insurance than single drivers.
• Your occupation. Some occupations, such as doctors and lawyers, are considered to be high-risk and can lead to higher insurance rates.
• Your credit score. Insurance companies use your credit score to assess your risk of filing a claim. A higher credit score can lead to lower insurance rates.

It's important to compare quotes from several different insurance companies to make sure you're getting the best deal on car insurance. You should also review your policy carefully to make sure you understand what is covered and what is not.