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We have a new supporter for 2021 when it comes to cheap car policy. The Chrysler Voyager grabbed the brass ring for the first time, putting a minivan back on top after a class off .
Every year, Insure.com compares car indemnity rates in every state for approximately 3,000 different vehicle models to find both the cheapest and most expensive vehicles to insure .
We pulled insurance quotes from six major insurance companies and averaged the premiums, so you have an accurate estimate of what it costs to insure the cable car of your dreams .
now let ’ s have a search at the least and most expensive vehicles to insure in 2021 .
Cheapest cars to insure
The laterality of SUVs and CUVs continues again this year on our list of least expensive vehicles to insure. Every vehicle in the top 10 is a utility vehicle, except for the Voyager. The top 20 shows the depth of the SUV swerve, with 15 of the top 20 vehicles falling into the SUV/CUV category. The perch of the top 20 consists of two trucks, two minivans and a single, lone sedan .
The Chrysler Voyager landed in the top spot this year, its beginning appearance on our list as its name and model was resurrected in 2021 after being discontinued in 2003. however, it surely isn ’ t the first clock time a minivan has been the least expensive vehicle to insure. The Honda Odyssey, which dropped all the way to the 19th spot this class, topped the list for years – in 2019, 2017 & 2016, to be specific. early minivans to top the list over the years include the Toyota Sienna in 2012 and another Chrysler, the Town & Country, in 2011 .
Minivans and the Voyager are no exception ; they are loaded with safety features and tend to be driven by parents hauling kids around, which is always good for an insurance agio. The Voyager has a 5-star overall condom fink by the National Highway Traffic Safety Administration ( NHTSA ) which helps keep policy costs low-cost .
The Voyager not only comes with low indemnity costs, but it ’ s besides a bit of a bargain price-wise which besides helps with indemnity costs. “ The Chrysler Voyager is the budget-friendly option compared to the Pacifica and Pacifica Hybrid, but it ’ s a firm minivan, however. For a kin on the move who needs to make every dollar count, they can silent take advantage of the Voyager ’ s seven-passenger seating and cargo space however save on both the start MSRP and the policy price versus the Pacifica. Currently, the 2021 Voyager starts at $ 26,985 versus the 2021 Pacifica at $ 35,195, ” points out Carl Anthony, managing editor of Automoblog.net .
“ How the budget minivan versus decked-out minivan compares not only in MSRP but with insurance can be seen with the Voyager and Pacifica, ” notes Penny Gusner, aged consumer analyst for Insure.com. “ The cheapest model Pacifica to insure has a national annual modal of $ 1,420, which is $ 148 or 12 % more than the Voyager. ”
SUVs are the big winner once again on our list, which mirrors the marketplace in general. According to IHS Markit data, SUVs reached 50 % market share across all size segments in 2020 compared with 48 % in 2019. IHS forecasts that SUVs will cross the 52 % grocery store share barrier this year .
Honda CR-V LX
The Honda CR-V LX stayed in second base place this year with a premium of $ 1,285. Honda put two vehicles in the top 10, with the HR-V LX grabbing the number five blemish and an extra three vehicles in the exceed 20, making Honda the top car manufacturer when it comes to cheap to insure vehicles .
Standard condom features are a major factor in driving a moo bounty for the CR-V. “ The 2021 CR-V LX is the base clean-cut, but Honda didn ’ triiodothyronine stint on safety features for this compact SUV. Honda Sensing is standard across the CR-V lineup, including the LX. The car manufacturer ’ s cortege of active base hit and driver aid systems includes collision warning with automatic emergency braking that detects pedestrians and vehicles, lane- and road departure extenuation, and adaptive cruise command that works all the way down to a stop. ” says, ” Kelsey May, assistant news editor of Cars.com .
Higher sales on the CR-V, it ’ second in the top five of bestselling vehicles, leads to lower repair costs because parts are readily available. The downside to that is it besides makes it a aim for larceny, with it in the top 10 of more steal vehicles according to the NICB. This may raise the comprehensive premium part of your policy .
The Mazda CX-3 Sport rounded out the clear three, dropping from first place last year. The Mazda comes with a very low-cost $ 1,294 annual premium. Its larger sibling, the CX-5, finished in the 7th spot this class. Standard base hit systems and a smallish locomotive help keep indemnity for this compact SUV dainty and low. May points out, “ For 2021, this subcompact SUV comes in fair one trim, Sport. The CX-3 now has night pedestrian detection as part of its low-speed forward collision detection and avoidance system. ”
Fiat 500X Trekking
The Fiat 500X Trekking dropped into the fourthly spot this year, moving up from the number five spot last year. Like most of the Fiat lineup, the Trekking is a little fomite with a fairly small engine that is loaded with guard features and comes with an low-cost startle price. Insurers love little, safe vehicles, which results in a very cheap premium. The Trekking comes in at $ 1,301 a year for coverage .
Honda HR-V LX
The Honda HR-V LX finishes off the crown five. It ’ s a compress SUV that comes with a 1.8-liter four-cylinder engine that puts out a very reasonable 141 horsepower. It is loaded with guard features and earned an overall 5-star safety military rank from the NHSTA. All of this makes it a bargain when it comes to indemnity. The HR-V costs $ 1,322 to insure .
While most of the cheap side of the list is made up of SUVs and CUVs, one sedan made the list. Honda put the entirely car on our list ; the Fit LX grabbed the 13th spotlight. A pair of pickups besides made the grade this year, with the GMC Canyon finish in the 11th descry ( up from 18th last year ) while the Ford F-150 XL filled the 18th spot .
overall, the cost of car policy dropped a bit this year which is something raw. While costs normally rise year over year, the national average dropped 3 % this year, and that decrease hit all the vehicles in our clear five cheapest to insure. This is in pipeline with the consumer price index that showed an overall drop in car insurance costs year-over-year, from February of 2020 to 2021, of around 3 % .
The Honda HR-V, which was number five on our cheap to insure list, came in $ 2 cheaper than the number one brassy vehicle last class .
Least expensive cars to insure
|National Average rate
|10||Jeep||Wrangler JL Sport||$1,339|
|14 – tie||Jeep||Renegade Sport||$1,360|
|14 – tie||Ford||Escape S||$1,360|
|17||Hyundai||Kona SEL Plus||$1,369|
What makes a car more expensive to insure?
A car gets more expensive to insure because the monetary value of insuring it depends on numerous factors other than the car itself. They are determined by a variety of factors ; from the type of coverage you have, your driving history, and where you live. While not all companies use the lapp criteria, hera is a summation of a few common factors make a cable car more expensive to insure .
- The make and model of the car: Car insurance companies prefer to cover vehicles that are deemed safe because they are less likely to result in costly claims. As a result, a vehicle with good safety ratings may save you money. Whereas cars which are newer, more powerful, smaller, and costly are more expensive to insure.
- Your age: Young drivers are less experienced and more likely to have an accident, which results in them paying greater car insurance premiums. After the age of 25, driver’s insurance rates begin to fall. Senior drivers are not only more likely to get into a car accident than younger people, but they are also far more likely to suffer damage in an accident.
- Driving record: Your driving history has an impact on your car insurance costs. Drivers with recent accidents or infractions on their records pay greater auto insurance premiums than those with clean records. The difference in rates is because these drivers are statistically more likely to be involved in another accident.
- Credit Score: Car insurance companies frequently consider your credit score while setting your premiums, and people with terrible credit or no credit history are frequently charged more for insurance. The reason drivers with poor credit history pay more for auto insurance is because they are more prone to file a claim against their coverage than those with good credit.
Most expensive cars to insure
The other side of the number is filled with cars that come with a high poser price, a large locomotive ( or battery ) under the hood and batch of high-end finishes on the inside. It doesn ’ t serve that these vehicles tend to attract a more aggressive driver .
Chrysler Voyager ranks first amongst the cheapest cars to insure at a national average of $ 1,272 and Maserati Quattroporte S GranSport ranks first amongst the most expensive cars to insure at a national average of $ 4,823. This year is a bite different from past years—the peak five spots on the most expensive to insure tilt are from only three automakers. Maserati has roared back onto our list, grabbing the top two spots. Tesla followed Maserati ’ south moderate, taking third and fourth locate with a BMW rounding out the top five. In a major switch, not a individual Mercedes made the top 10 ; final class, they had three vehicles in the clear 10.
Read more: The Best Car Insurance Companies for 2022
Regardless of who built the vehicle, all of the cars on the tilt are high-end lavishness and sports cars with adult, mighty engines or batteries under the hood and are bursting with up-to-date engineering and lavishness finishes. All of this leads to sky-high indemnity bills .
Maserati Quattroporte S GranSport
The Maserati Quattroporte S GranSport is the most expensive car to insure this year, with a $ 4,823 annual premium. While this is surely a lurid issue, if you can afford the $ 112,000 price tag of the GranSport, you can most likely cover an extra $ 5,000 a class to protect it .
A knock-down engine and high-end finishes are primarily creditworthy for the senior high school insurance premiums the Maserati ’ second enjoy, but its appeal to car thieves besides plays a separate. “ Both Maserati models are reasonably alien and expensive to replace and repair. Their high visibility and sex appeal besides raise their appeal among car thieves, ” warns Matt DeLorenzo, aged managing editor program for Kelley Blue Book .
“ high initial price naturally leads to higher compensate and successor prices, and thus higher monetary value to insure. Any operation vehicle not only has the office to be driven aggressively, but it tends to attract buyers who do equitable that. And aggressive drive leads to more mishaps and resulting claims. policy rates tend to be influenced by the probably buyer, thus even the most careful driver who purchases a performance vehicle pays the punishment, ” says Joe Wiesenfelder, executive editor of Cars.com .
Maserati Ghibli S Q4 GranSport
The number two most expensive vehicle to insure this class is besides a Maserati. The Ghibli S Q4 GranSport comes with an annual premium of $ 4,208. The Ghibli S has all of the hallmarks of an expensive to insure cable car, a 3.0L V6 that puts out 424HP that will push the Maserati to 178mph. surprisingly, this model starts at around $ 81,000, which is expensive but surely not supercar expensive .
Maserati managed to put another vehicle in the clear 10, which puts them in a tie with BMW, who besides had three models in the top 10. Tesla put two vehicles on the list, while Audi and Nissan have a single vehicle on our list .
“ Sports cars and high-end luxury vehicles are normally much more expensive to insure because of repair costs. The finishes in these vehicles is often much more expensive than the materials used in a more moderately priced vehicle, ” says Carole Walker, executive film director with the Rocky Mountain Insurance Information Association ( RMIIA ) .
policy companies will always consider the vehicle ’ sulfur dagger price when setting a premium as they will have to replace the vehicle if it is damaged or destroyed by a cover queer. In addition, insurers have to consider haunt costs and lavishness vehicles are normally packed with expensive finishes. A teak woodwind department of the interior is always going to cost more to repair than credit card, and leather seats are much more expensive than framework .
technology is another factor that insurers consider, and luxury vehicles are packed to the gills with high-end technology. The latest and greatest technology always ends up in luxury vehicles before trickling down to more low-cost options. All of that technical school makes repairs and claims a lot more expensive, leading to higher policy rates .
Tesla Model S Performance (Plaid) and Model X Performance (Plaid)
even though european nameplates make up the majority of the vehicles on our list, U.S.-based Tesla grabbed the third base and fourth spots this year. The Model S Performance ( Plaid ) costs $ 4,143 a year to insure, and the Model X Performance ( Plaid ) is close behind .
“ With rival threatening Tesla ’ sulfur domination in the luxury-electric-car space, it didn ’ t take long for Elon Musk and company to respond. The wildest models so far from Tesla are the Model S Plaid and Plaid+, ” notes Gale. “ With three motors rather of the standard model ’ s two, the Plaid cars have a claimed top amphetamine of 200 miles per hour, with 0-60 miles per hour acceleration in a manufacturer-estimated 1.99 seconds, and a drive range of up to 520 miles. At MotorTrend, we can ’ deoxythymidine monophosphate wait to test out these claims for ourselves. Oh, and why Plaid ? It ’ south another character to the Spaceballs movie as a accelerate beyond ludicrous. ” Previously, a nod to the Spaceballs was made with the Tesla “ absurd modality ” offering .
While these vehicles come with a brawny price chase ( $ 92,000 for the Model X ) and are considered high-performance vehicles, the big battery and early technical school under the hood is besides a agent that pushes up policy costs. “ The connected nature of the Tesla Models protects them against larceny since the factory can find the cars easily, but their building complex and leading-edge technology is expensive to repair after a crash, warns DeLorenzo .
Tesla is known for its engineering and guard features, but condom features can be a double-edged sword. While safety engineering helps keeps drivers and passengers safe out on the road, it can besides push up the price of claims and therefore the cost of policy .
BMW M760i xDrive
BMW cements its luxury cable car condition with seven cars making it into the peak 20 of most expensive vehicles to insure. The most expensive of the BMW bunch is the M760i xDrive, taking fifth locate with an average annual indemnity price tag of $ 3,914 .
The M760i xDrive is separate of BMW ’ s flagship life-size sedan series. The depart price for this deluxe sedan is $ 157,800 and goes up from there. You know you are in luxury cable car district when a car color choice can tack on $ 5,000 to the price of the car, and safety options include distant operate parking therefore the car can pull itself in and out of parking spots .
The BMW M is made for exponent and performance ; after all, the M stands for motorsports, which their racing program in the ‘ 70s is where this line got its begin. nowadays, BMW M vehicles have twin power technology that produces more world power with fewer cylinders, according to BMW. The M760i xDrive has a match world power turbo V-12 locomotive, so aggressive drivers can take full advantage of a cable car apparently ready for the track or street. That power and the luxury options, which make it pricey to repair, results in indemnity companies finding the car more of a risk to insure — and hikes up the premium .
Audi R8 5.2L V10 Spyder Quattro – Most expensive convertible to insure
The Audi R8 5.2L V10 Spyder Quattro is the entirely convertible that managed to make the top 10 this class, coming in 7th identify, although there were three convertibles in the top 20. The Audi fits the bill for expensive to insure vehicles ; it has a originate monetary value of $ 211,000, a 602 HP engine and a acme speed of 205 miles per hour .
In addition, “ The R8 has an aluminum body structure that contributes to high haunt costs, ” says DeLorenzo. It is besides a convertible, and convertibles tend to be more expensive to insure as they are easier to steal and vandalize due to the less than solid roof. A damaged convertible roof can be a very expensive haunt, and insurers charge for it .
“ Any operation vehicle not only has the world power to be driven aggressively, but it tends to attract buyers who do precisely that. indemnity rates tend to be influenced by the likely buyer, indeed even the most careful driver who purchases a operation vehicle pays the penalty, ” Joe Wiesenfelder, Executive Editor of Cars.com .
Costliest cars to insure
|National Average rate
|1||Maserati||Quattroporte S GranSport||$4,823|
|2||Maserati||Ghibli S Q4 GranSport||$4,208|
|3||Tesla||Model S Performance (Plaid)||$4,143|
|4||Tesla||Model X Performance (Plaid)||$4,025|
|7||Audi||R8 5.2L V10 Spyder Quattro||$3,863|
|10||BMW||M5 Competition Xdrive||$3,777|
|12||Audi||S8 4.0T Quattro Plus||$3,724|
|13||Porsche||Panamera 4S Sport Turismo||$3,718|
|14 – tie||Porsche||Taycan Turbo 4S||$3,706|
|14 – tie||Mercedes||S560 4MATIC||$3,706|
|16||Mercedes||S63 AMG 4MATIC||$3,694|
|18||BMW||Alpina B7 XDrive||$3,607|
|19||Infiniti||Q50 Red Sport 400||$3,484|
Always get car insurance quotes when vehicle shopping
car sales plunged last class, with U.S. new vehicle sales in 2020 dropping a humongous 14.6 % overall to 14.6 million vehicles compared to 17.1 million in 2019. This is the lowest number of cars sold since 2012. The pandemic hit automakers across the board, with only Tesla, Volvo and Mazda selling more cars last year than they did in 2019. however, sales are picking up in 2021 .
If you ’ re one of the many people in the grocery store for a newfangled car in 2021, you should constantly get insurance quotes for any vehicles that have made your short list. “ Always consider the price of policy when shopping for a newly car, ” says Gusner .
“ indemnity costs can vary dramatically between vehicles, which pushes up the total price of ownership. Make indisputable you have the budget for both the car and its insurance. ” Penny Gusner, senior consumer analyst for Insure.com .
touch checking the cost of indemnity is frequently overlooked in the car-shopping process. “ People will often inquiry closely everything about the car buying process, except what it would take to insure the fomite they wanted, ” says Carl Anthony, Managing Editor at Automoblog.net .
“ They do all of their homework about negotiating the best price even unintentionally forget to consider policy coverage, which is one of the most significant expenses immediately following the purchase of any new vehicle. The best advice is to seek out and understand your indemnity coverage options before heading to the franchise, ” advises Anthony .
Unless you are paying cash for your dream car, you ’ ll be required to carry full moon coverage by your finance company. “ even if you buy the car outright, you ’ ll want to have collision and comprehensive examination on your brand-new vehicle to keep it good protected, ” says Gusner .
These coverages will surely increase your overall policy costs but will repair ( or pay to replace ) your car if it is damaged in an accident, fire, flood, vandalized or even if a deer manages to run into your sporty new ride. When shopping for policy, be certain these collision and comprehensive examination coverages are included .
Factors that an insurance company considers when setting a premium
indemnity companies will consider a long number of factors when setting a premium. Based on our lists above, it ’ south clear that the spine price of a car, haunt costs, safety features and the target audience will all have an impact on your bounty. Vehicles with a broken start price, designed with families in mind, enough of safety features, little engines and reasonable rectify costs tend to get lower rates .
While the type of vehicle you drive is a major fink factor, there are others that will have a greater impact on your premium including your driving criminal record, localization, credit score ( in states that allow it ), vehicle character, sex ( in states that allow it ), age and more .
Read more on the 13 main denounce factors that affect car indemnity .
And if some of your personal rat items are not stellar, like having a speeding ticket that will bump your rates up an median of 20 % your drive record, look to see what discounts can help offset that .
What is in your car can help with discounts. “ Safety features such as airbags, lane passing, back-up cameras and automatic pistol restraint systems are all factored into an insurance premium and typically get you a dismiss on your liability indemnity, ” says Gusner. “ however, the fancier the technical school is in a car, the more costly it will be to repair or replace if damaged in an accident, so that can contribute to higher collision coverage rates. ”
How to use our rankings of the cheapest cars to insure
We ’ ra hera to help you make certain the cost of cable car insurance is within your budget .
We can help you find an low-cost car insurance policy for just about any car cursorily and well. The Insure.com comparison tool makes comparing policy rates simple. You compare the price of indemnity on up to 10 different vehicles, so you can narrow down your choices before you make a final decision on a car. If you ’ rhenium looking for an older car, we have a use car pace cock as well .
Both of our tools show the national modal equally well as state average annual rate. That makes it easy to go onto the adjacent measure and shop for a bang-up car indemnity policy at a monetary value you can afford .
And remember, the fomite is precisely one of the many rat factors that insurers look at. Our rates are an average based on a driver with good credit rating and a clean record ; if your credit is only acceptably or you have a ticket or two, then your rates may be a piece higher. Our median rates are a jumping-off rate to continue to get accurate quotes based on your specific situation .
Buying a new fomite is something to be excited about ! But make sure you consider all factors of buying a new car, including indemnity rates, before you take the dip .
Insure.com commissioned Quadrant Information Services to calculate average car policy rates for 2021 models. Averages were calculated using data from six big carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm, in 10 ZIP codes per state. not all models were available, particularly exotic cars. about 3,000 models are included in the 2021 learn .
The least expensive rankings were based on the best-performing clean-cut line of each model. The most expensive rankings were determined by the worst-performing clean-cut cable of each mannequin .
Averages are based on fully coverage for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ( $ 100,000 for wound liability for one person, $ 300,000 for all injuries and $ 50,000 for property price in an accident ) and a $ 500 deductible on collision and comprehensive coverage. This conjectural driver has a clean phonograph record and thoroughly credit. The rate includes uninsured motorist coverage .