Car Insurance by Vehicle

Find affordable insurance coverage for your specific make and model

Why Vehicle Type Affects Insurance Rates

Understanding how your car impacts your premium

🛡️

Safety Ratings

Vehicles with higher IIHS and NHTSA safety ratings often qualify for lower insurance premiums due to reduced injury risk.

🔧

Repair Costs

The cost of parts and labor for your specific vehicle directly impacts collision and comprehensive coverage rates.

💰

Vehicle Value

Higher-value vehicles typically cost more to insure because replacement and repair costs are greater.

🚗

Theft Rates

Some vehicles are targeted by thieves more often, which increases comprehensive coverage premiums.

⚙️

Performance

High-performance vehicles with more horsepower typically have higher insurance rates due to accident risk.

Technology

Advanced driver assistance features can lower rates, but expensive tech can increase repair costs.

Frequently Asked Questions

How does my vehicle affect insurance rates?

Your vehicle's make, model, and year significantly impact insurance costs. Factors include safety ratings, repair costs, theft rates, vehicle value, and performance characteristics. Safer, more reliable vehicles with lower repair costs typically have lower premiums.

Which vehicles are cheapest to insure?

Generally, mid-size sedans and minivans with excellent safety ratings and moderate repair costs are cheapest to insure. Vehicles from brands known for reliability like Honda and Toyota often have competitive insurance rates.

Do safety features lower insurance costs?

Yes, many insurers offer discounts for vehicles equipped with advanced safety features like automatic emergency braking, lane departure warning, blind spot monitoring, and adaptive cruise control.

How can I find the best rate for my vehicle?

Compare quotes from multiple insurers, as rates can vary significantly by company. Also consider bundling policies, maintaining a clean driving record, and asking about all available discounts for your specific vehicle.

Find the Best Rate for Your Vehicle

Compare quotes from top insurers in minutes