Information about loss data and insurance rates

The sections below list specific models that may be cheaper to insure based on how many fewer bodily injury claims, or "losses," they have compared to the average for all passenger vehicles. This is shown as a percentage below the average loss rate. The lower the percentage, the fewer claims the specific model has been involved in. These percentages are calculated by the Insurance Institute for Highway Safety — Highway Loss Data Institute (IIHS-HLDI) and don't directly reflect insurance rates. The car models listed are intended to be a starting point for someone who is looking for a vehicle that might have cheaper rates for insurance policies.

The sections below also show average insurance rates for specific vehicle classes including SUVs, pickups, and sedans. These averages are based on the cost of a policy with liability, medical payments, uninsured/underinsured motorist, comprehensive, and collision coverage, as reported in AAA's 2020 edition of the "Your Driving Costs Brochure."

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Car insurance rates by model

Which SUVs have the lowest insurance rates?

As far as insurance rates for specific SUV models go, the ones listed below could possibly be cheaper. However, these models are ranked based on how many fewer bodily injury claims they have than the average passenger vehicle; they don't reflect the average cost to insure them.

Small SUVs

Vehicle model (2017-2019 model years) Claim frequency*
Subaru Forester 4dr + 4WD with EyeSight -59%
Hyundai Santa Fe 4dr + 4WD -55%
Mazda CX-5 4dr + 4WD -40%

Source: Insurance Institute for Highway Safety — Highway Loss Data Institute (IIHS-HLDI).

Midsize SUVs

Vehicle model (2017-2019 model years) Claim frequency*
Subaru Ascent 4dr + 4WD with EyeSight -66%
Volkswagen Tiguan 4dr 4WD -45%
Honda Pilot 4dr + 4WD -39%

Source: Insurance Institute for Highway Safety — Highway Loss Data Institute (IIHS-HLDI).

How much is car insurance for an SUV?

The average annual cost to insure an SUV in 2020 ranged from $1,087 for a small SUV (e.g., Honda CRV) to $1,118 for a medium/midsize SUV (e.g., Chevrolet Traverse), according to AAA (PDF). So, if you're in the market for an SUV, there's a chance a smaller model could have cheaper insurance rates.

What are the cheapest trucks to insure?

The pickup truck models below may have cheaper insurance rates than others, but remember that these are just models that have fewer bodily injury liability claims than the average passenger vehicle.

Small pickups

Vehicle model (2017-2019 model years) Claim frequency*
Chevrolet Colorado ext cab 4WD -37%
Toyota Tacoma xtra cab 4WD -36%
Honda Ridgeline crew cab 4WD -34%

Source: Insurance Institute for Highway Safety — Highway Loss Data Institute (IIHS-HLDI).

Large pickups

Vehicle model (2017-2019 model years) Claim frequency*
GMC Sierra 1500 crew cab 4WD -29%
Toyota Tundra double cab 4WD -29%
Ford F-150 SuperCrew 4WD -19%

Source: Insurance Institute for Highway Safety — Highway Loss Data Institute (IIHS-HLDI).

How much is insurance for a pickup truck?

The average annual cost to insure a pickup truck was $1,242 in 2020, according to AAA (PDF). Compared to SUVs, you may pay more on average to insure a pickup truck, based on AAA's data.

What are the cheapest sedans to insure?

If you're looking for a medium-sized sedan (or midsize four-door car) that could be less expensive to insure, the models below might be a good place to start. As with the other sections, these vehicles are ranked by how many fewer bodily injury liability claims they've been involved in and don't reflect the cost to insure them.

Midsize four-door cars

Vehicle model (2017-2019 model years) Claim frequency*
Subaru Legacy 4WD with EyeSight -49%
Honda Accord -26%
Toyota Camry -21%

Source: Insurance Institute for Highway Safety — Highway Loss Data Institute (IIHS-HLDI).

How much is insurance for a sedan?

According to AAA (PDF), the average annual cost to insure a medium-sized sedan (e.g., Toyota Camry) in 2020 was $1,245. Based on AAA's data, your average midsize four-door car may cost more to insure than the average SUV, though not much more than the average pickup truck.

Are used cars cheaper to insure?

In general, used cars may get cheaper car insurance rates because they're not worth as much as brand-new vehicles. This means they're typically cheaper to replace in the event of a total loss. However, it's still possible that a used vehicle will cost the same or more to insure than a comparable new vehicle. It ultimately depends on how your insurance company weighs the various factors that go into setting insurance rates.

Why do car models impact insurance rates?

Insurance companies consider a variety of factors when setting rates, but when it comes to the type of vehicle you drive, here are some items they consider:

  • Repair or replacement costs: The make and model of your vehicle is a significant factor. Certain high-end luxury vehicles may require more expensive parts and additional labor to repair, possibly resulting in higher premiums. If your car also retains its value well or depreciates slowly, you may pay more for insurance to cover the higher cost of replacing it.
  • Vehicle safety ratings: Vehicles with high safety ratings and anti-theft features may earn more insurance discounts, or simply be involved in fewer accidents. A vehicle's high safety rating may be due in part to certain safety features, like automatic emergency braking. While these features could result in cheaper insurance rates for some cars, they may also increase them due to the cost to repair their high-tech components.
  • Risk of causing damage: If a large SUV gets in an accident, it may cause more damage and injury than a compact sedan. And taller vehicles like SUVs, pickups, and vans run a higher likelihood of a rollover. The greater risk of costly damage or serious injury means a greater risk for the insurer, which may result in higher premiums.

These are just a few of the factors that can affect your insurance rate. Learn more about other car insurance cost factors.

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