Insurance Rates by Car

Insurance companies determine auto insurance by car by looking at the make and model year, the car's overall safety features, and its value. The top-selling vehicles are known to have affordable auto insurance. However, your car insurance rates by vehicle will vary based on the company. Shop around and compare to find the best auto insurance quotes by vehicle.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 26, 2021

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  • Older make and model vehicles have much cheaper rates than newer models.
  • Save hundreds of dollars per year when you qualify for vehicle discounts.
  • Luxury vehicles have higher-than-average auto insurance rates.

Auto insurance by car is another way an auto insurance company determines your rates per month. As you get your car insurance policy, you will be asked about your vehicle’s make and model year.

The information you give to the auto insurance company will determine your auto insurance cost. Speaking of cost, how much is the average auto insurance quote by vehicle? We’ll show you affordable auto insurance rates by car and talk about how safety ratings can affect your cost.

Continue reading to learn more about auto insurance by car, or enter your ZIP code to start comparing multiple companies in your area.

Average Auto Insurance Rates of Top-Selling Vehicles

Let’s jump right into it and talk about the average car insurance cost for the top-selling car in the United States. What are the top-selling vehicles? Here’s a list:

  • Ford F-Series
  • Chevrolet Silverado
  • Ram Pickup
  • Toyota RAV4
  • Honda CR-V
  • Honda Civic
  • Toyota Camry
  • Chevrolet Equinox
  • Nissan Rogue
  • GMC Sierra

Why did we pick these 10 vehicles? According to Forbes, these are the top 10 vehicles with the most sales from 2019 to 2020.

Although the COVID-19 pandemic has made car sales difficult, these vehicles have maintained their sales throughout 2020. But how much auto insurance for each car per month?

Let’s examine the average rates of each vehicle.

Average Monthly Auto Insurance Rates of Top-Selling Vehicles
Top-Selling VehiclesAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage Monthly Full Coverage Rates
Ford F-150$24$37$34$108
Chevrolet Silverado 1500$24$44$38$121
Ram Pickup$27$44$38$124
Toyota RAV4$22$39$34$108
Honda CR-V$21$32$29$93
Honda Civic$21$51$38$126
Toyota Camry$23$46$34$116
Chevrolet Equinox$23$41$34$112
Nissan Rogue$21$41$38$116
GMC Sierra$25$46$34$119
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The compact SUVs and sedans are the cheapest vehicle under liability coverage. However, the same vehicles have more expensive collision auto insurance rates.

Let’s focus on each vehicle in the list to see which make and the model year has more affordable auto insurance by car.

How much auto insurance for a Ford F-150?

The Ford F-Series is one of the most popular pickup truck series in the United States. The vehicle is known for its longevity, driving flexibility on rough roads, and cost-efficient auto insurance rates.

How cheap is it on average, though? Let’s look at the average Ford F-150 auto insurance rates by car make and model year.

Average Monthly Ford F-150 Auto Insurance Rates
Make and Model YearAverage Monthly Comprehensive RatesAverage Monthly Collision RatesAverage Monthly Liability RatesAverage Monthly Full Coverage Rates
2020 Ford F-150$27$39$31$110
2019 Ford F-150$26$38$33$109
2018 Ford F-150$25$37$33$108
2017 Ford F-150$24$36$35$108
2016 Ford F-150$23$35$36$107
2015 Ford F-150$22$34$37$105
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It would make sense that the latest Ford F-150 has the highest monthly rate because it’s a relatively new vehicle. The pickup truck’s value is close to the retail price, and the parts for the car are expensive, which is why collision rates are more costly than the liability and comprehensive rates.

Is Chevrolet Silverado 1500 auto insurance cheap?

Like the F-150, the Chevrolet Silverado comes in several trims. Each trim has a different use. For instance, a Chevrolet Silverado 2500 HD leans toward work trucks and off-roading capabilities.

The Chevrolet Silverado 1500 is more of a light-duty pickup truck. So, we’ll start there by looking at the average Chevrolet Silverado 1500 auto insurance quotes by car.

Average Monthly Chevrolet Silverado 1500 Auto Insurance Rates
Make and Model YearAverage Monthly Comprehensive RatesAverage Monthly Collision RatesAverage Monthly Liability RatesAverage Monthly Full Coverage Rates
2020 Chevrolet Silverado 1500$27$47$35$124
2019 Chevrolet Silverado 1500$26$45$37$122
2018 Chevrolet Silverado 1500$25$45$38$122
2017 Chevrolet Silverado 1500$24$44$39$122
2016 Chevrolet Silverado 1500$23$42$41$120
2015 Chevrolet Silverado 1500$22$40$42$119
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Older Silverados are neck-and-neck with collision and liability car insurance rates. This means the ratio of claims for that vehicle saw more liability claims than collision and comprehensive claims.

On average, the Chevrolet Silverado 1500 is more expensive than the Ford F-150.

Does RAM 1500 auto insurance cost more than average per month?

Formerly known as Dodge RAM, the RAM pickup truck series competes along with Chevrolet and Ford. The vehicle is similar to other large-sized pickups, but is it affordable?

Average Monthly RAM 1500 Auto Insurance Rates
Make and Model YearAverage Monthly Comprehensive RatesAverage Monthly Collision RatesAverage Monthly Liability RatesAverage Monthly Full Coverage Rates
2020 RAM 1500$30$47$35$127
2019 RAM 1500$29$45$37$126
2018 RAM 1500$28$45$38$125
2017 RAM 1500$27$44$39$125
2016 RAM 1500$26$42$41$123
2015 RAM 1500$24$40$42$121
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When you buy auto insurance for RAM 1500 pickup trucks, you pay up to $18 more per month. That’s not a big jump in car insurance rates. However, it’s an affordable price tag for a new RAM 1500.

What’s the average monthly rate for a Toyota RAV4?

One of the cheapest cars to insure are Toyotas. The Toyota RAV4 is a large SUV that weighs 3,370 to 3,655 lbs. It’s one of the most popular SUVs in the United States.

Has older make and model years been affordable as the 2020 Toyota RAV4? Let’s examine some research to determine whether the Toyota RAV4 has cheap auto insurance rates by car make and model year.

Average Monthly Toyota RAV4 Auto Insurance Rates
Make and Model YearAverage Monthly Comprehensive RatesAverage Monthly Collision RatesAverage Monthly Liability RatesAverage Monthly Full Coverage Rates
2020 Toyota RAV4$25$42$31$110
2019 Toyota RAV4$23$40$33$109
2018 Toyota RAV4$23$40$33$109
2017 Toyota RAV4$22$39$35$108
2016 Toyota RAV4$21$37$36$107
2015 Toyota RAV4$20$36$37$106
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The Toyota RAV4 has rates similar to the latest Ford F-Series trucks. However, the Toyota RAV4s’ monthly collision rates are slightly higher than average.

How much is auto insurance for a Honda CR-V?

The cheapest vehicle on this list is the Honda CR-V. It’s a compact SUV with more car space than a sedan and some capabilities of an SUV. The Honda CR-V has managed to keep up with competitors and pushed ahead in 2020. Let’s see the average monthly rates.

Average Monthly Honda CR-V Auto Insurance Rates
Make and Model YearAverage Monthly Comprehensive RatesAverage Monthly Collision RatesAverage Monthly Liability RatesAverage Monthly Full Coverage Rates
2020 Honda CR-V$23$34$26$95
2019 Honda CR-V$22$33$28$94
2018 Honda CR-V$21$32$28$93
2017 Honda CR-V$21$32$30$93
2016 Honda CR-V$20$30$30$92
2015 Honda CR-V$19$29$31$91
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Honda CR-V car insurance rates by vehicle make and model year don’t reach $100 per month. Although your auto insurance rates will vary by company, the Honda CR-V will likely carry cheaper than average auto insurance costs.

What’s the average monthly rate for a Honda Civic?

Honda made the Forbes list twice. This time it’s the compact car (sedan) known as the Honda Civic. From what you’ve seen in the research above, the Honda Civic is the most expensive vehicle on the list regarding car insurance.

When you buy auto insurance rates by car, the cost becomes cheaper by make, model year, and trim. Let’s see how each model year changes the average cost per month.

Average Monthly Honda Civic Auto Insurance Rates
Make and Model YearAverage Monthly Comprehensive RatesAverage Monthly Collision RatesAverage Monthly Liability RatesAverage Monthly Full Coverage Rates
2020 Honda Civic$23$55$35$128
2019 Honda Civic$22$53$37$127
2018 Honda Civic$21$52$38$126
2017 Honda Civic$21$51$39$126
2016 Honda Civic$20$49$41$124
2015 Honda Civic$19$47$42$123
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The 2015 and 2016 Honda Civic are the cheapest on the list, but the latest Honda Civics are slightly more costly than the older models. With the vehicle’s safety features, you may be able to save more per month.

How much is Toyota Camry auto insurance?

The other sedan on the top 10 list is the Toyota Camry. Compared to the Honda Civic, you can find slightly less expensive car insurance rates with Camrys. Let’s examine the Toyota Camry auto insurance cost for the latest model years.

Average Monthly Toyota Camry Auto Insurance Rates
Make and Model YearAverage Monthly Comprehensive RatesAverage Monthly Collision RatesAverage Monthly Liability RatesAverage Monthly Full Coverage Rates
2020 Toyota Camry$26$50$31$119
2019 Toyota Camry$25$48$33$118
2018 Toyota Camry$24$47$33$117
2017 Toyota Camry$23$46$35$117
2016 Toyota Camry$22$44$36$115
2015 Toyota Camry$21$43$37$113
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Each model year doesn’t break the $120 for full coverage. The collision car insurance rates for Camrys are more expensive than the trucks we’ve seen so far.

Is it expensive to insure a Chevrolet Equinox?

You can get Chevrolet’s version of the compact SUV through the Chevy Equinox. It’s more affordable than the Silverado, but it doesn’t contain the same off-road specs as an SUV or pickup truck.

It’s still a reliable vehicle with tons of safety features. Due to its safety components, you’ll likely save more on auto insurance. Check out the car insurance rates below.

Average Monthly Chevrolet Equinox Auto Insurance Rates
Make and Model YearAverage Monthly Comprehensive RatesAverage Monthly Collision RatesAverage Monthly Liability RatesAverage Monthly Full Coverage Rates
2020 Chevrolet Equinox$26$44$31$114
2019 Chevrolet Equinox$25$43$33$113
2018 Chevrolet Equinox$24$42$33$112
2017 Chevrolet Equinox$23$41$35$112
2016 Chevrolet Equinox$22$40$36$110
2015 Chevrolet Equinox$21$38$37$109
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Like the Toyota Camry, the Equinox has full coverage rates that don’t go over $120. These rates are based on average rates, so insuring a teen driver may cost more.

What’s the average auto insurance rate for Nissan Rogues?

Compact SUVs are incredibly versatile and popular vehicles. The ninth car on the list is the Nissan Rogue—another compact SUV. This vehicle made its way up the sales rank in 2020 and competed with Chevy Equinox and Honda CR-V.

However, Nissan Rogue car insurance quotes are slightly higher than the Equinox and about $20 more expensive than the CR-V. Let’s look at the average monthly rates.

Average Monthly Nissan Rogue Auto Insurance Rates
Make and Model YearAverage Monthly Comprehensive RatesAverage Monthly Collision RatesAverage Monthly Liability RatesAverage Monthly Full Coverage Rates
2020 Nissan Rogue$23$44$35$118
2019 Nissan Rogue$22$43$37$117
2018 Nissan Rogue$21$42$38$116
2017 Nissan Rogue$21$41$39$116
2016 Nissan Rogue$20$40$41$115
2015 Nissan Rogue$19$38$42$114
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Each monthly rate maintains a price under $50. Comprehensive auto insurance rates for Nissan Rogue don’t even reach $30 per month. But the trends continue with collision rates being the most expensive for vehicles, which is seen in the coverages for Nissan Rogue.

How much is auto insurance for the GMC Sierra 1500?

Our last vehicle is the GMC Sierra 1500. Sierras have pickup trucks and large SUVs trims. However, the most popular trim is the GMC Sierra pickup truck.

The Sierra pickup truck is more versatile and has a towing capacity of nearly 10,000 lbs. On top of the specs, the GMC Sierra’s value is cheaper than competitors like RAM pickup trucks.

How does the Sierra compare to its competitors’ car insurance quotes? Let’s find out in the researched auto insurance cost below.

Average Monthly GMC Sierra 1500 Auto Insurance Rates
Make and Model YearAverage Monthly Comprehensive RatesAverage Monthly Collision RatesAverage Monthly Liability RatesAverage Monthly Full Coverage Rates
2020 GMC Sierra 1500$28$50$31$122
2019 GMC Sierra 1500$27$48$33$120
2018 GMC Sierra 1500$26$47$33$119
2017 GMC Sierra 1500$25$46$35$119
2016 GMC Sierra 1500$24$44$36$117
2015 GMC Sierra 1500$23$43$37$115
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GMC Sierra car insurance cost is right in the middle. It’s more expensive to insure than the Ford F-150, but it’s cheaper to insure than the RAM Truck. New model years can save more money due to the safety features equipped with new vehicles.

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How do vehicle ratings affect auto insurance rates?

Vehicle ratings, or crash test ratings, show consumers the vehicle’s overall safety. The cars ranked as the safest vehicle have cheaper car insurance quotes.

The most reliable crash ratings come from the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS). In the subsections below, we collected the ratings of the top-selling vehicles in the United States.

NHTSA Ratings

The NHTSA uses star ratings from one to five, where one is the worst rating, and five is the best rating. Let’s review the star ratings of each vehicle that was on our list.

NHTSA Crash Ratings of the Top-Selling Vehicles
VehiclesOverall RatingFrontal Crash RatingSide Crash RatingsRoller Ratings
Ford F-1505 stars5 stars5 stars4 stars
Chevrolet Silverado 15005 stars5 stars5 stars4 stars
RAM 15005 stars4 stars5 stars4 stars
Toyota RAV45 stars4 stars5 stars4 stars
Honda CR-V5 stars5 stars5 stars4 stars
Honda Civic5 stars4 stars5 stars5 stars
Toyota Camry5 stars5 stars5 stars5 stars
Chevrolet Equinox5 stars5 stars5 stars4 stars
Nissan Rogue4 stars4 stars5 stars4 stars
GMC Sierra4 stars4 stars5 stars4 stars
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Overall, each vehicle doesn’t reach any rating lower than four stars. This is why car insurance rates are so affordable.

IIHS Ratings

The IIHS conducts its crash ratings much differently. Instead of the star ratings, the IIHS uses something called crashworthiness to rate motor vehicles. Here are the ratings:

  • Good or G (the highest rating – marked in green)
  • Acceptable or A (second highest rating – marked in yellow)
  • Marginal or M (next to the lowest rating – marked in orange)
  • Poor or P (the lowest rating – marked in red)

Where do the top-selling vehicles stand regarding IIHS crashworthiness ratings? Let’s examine the ratings below.

IIHS Crashworthiness Ratings of the Top-Selling Vehicles
VehiclesSmaller Overlap Front: Driver Side RatingsSmaller Overlap Front: Driver Side RatingsModerate Overlap Front RatingsSide RatingsRoof Strength RatingsHead Restraint & Seat Ratings
Ford F-150GGGGGG
Chevrolet Silverado 1500GMGGGG
Ram 1500GGGGGG
Toyota RAV4GGGGGG
Honda CR-VGGGGGG
Honda CivicGGGGGG
Toyota CamryGGGGGG
Chevrolet EquinoxGGGGGG
Nissan RogueGAGGGG
GMC Sierra 1500GMGGGG
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IIHS ratings reflect the same crash ratings from the NHTSA. The top 10 vehicles in our guide are considered some of the safest cars by IIHS crashworthiness standards.

Can the vehicle size determine my auto insurance rates?

The short answer is yes. Smaller cars tend to have cheaper car insurance collision and comprehensive rates but higher than average liability rates.

Small and mini-sized vehicles are likely to have more damage when they’re involved in an accident. Large and heavier vehicles don’t encounter much damage against smaller cars, and large cars prevent injuries more.

According to the IIHS, the dimensions and curb weight determines a vehicle’s size. Small cars are between 2,000 and 3,001 lbs. and have measurements between 70 and 110 sq. ft.

Frequently Asked Questions: Auto Insurance by Car

For the final section of this comprehensive guide, we’ll answer a few frequently asked questions. Get more information in our auto insurance articles and see what auto insurance companies will get you the most affordable auto insurance rates.

If you compare auto insurance by vehicle from multiple companies, enter your ZIP code in the FREE comparison below.

#1 – What does make and model mean?

The make is another way of saying the car’s brand, and the model is the car’s name. Trims are unique features made for a specific model.

#2 – Why does auto insurance cost vary by make and model?

Each car is built differently and has various specifications, which make it different than the next. Also, the car’s value will change the cost of insurance.

#3 – How do you get auto insurance quotes by make and model?

When you start the car insurance quote process, you’ll have an option to input the name of the car you want to insure. It’s the only way you can move forward to get auto insurance.

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