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When determining your rates, car insurance providers analyze much more than just your driving record and ZIP code. Their intricate algorithms also crunch the claims and accident records on the exact make and model of the car you intend to insure. Compare car insurance rates, discounts and coverage for your car model to find the best deal.

Compare car insurance by make and model

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Our top pick: Metromile

Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.

  • Rates from $29/month plus pennies per mile
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Get car insurance quotes for your car’s make and model

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.

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What’s my car’s make and model?

Make and model are common phrases you’ll hear when shopping for car insurance or a new car. Your car’s manufacturer or brand is called the make, like Ford or Toyota. Think about the maker, who created the car. The model of your car is the name of the kind of car you have. For example, Honda makes models like the Accord or Civic, which offer different features, including body style and upgrade options.

If you’re not sure which model you drive, you can often find out by looking at the back of your car. Or read your car’s instruction manual or vehicle registration certificate.

How does make and model affect insurance rates?

It pays to compare rates and get estimates for the type of car you drive to find out if you’re getting the best deal. You might also need different coverage depending on your car model. A pricier car will need higher maximums to cover any damage in an at-fault accident, and an older or less reliable car might need roadside assistance.

  • Vehicle MSRP. Because they tend to be more expensive to repair, pricier vehicles generally result in higher insurance premiums. You might also need higher coverage maximums to cover claims, which means you’ll pay more for coverage.
  • Safety ratings. Safer cars get into accidents less frequently and cost less to repair. That means fewer claims on average — and more savings for you.
  • Likelihood of theft. Some cars, like the Honda Accord and Chevy Impala, are frequently targeted by thieves. This drives up the price of insurance.
  • Sportiness. Most drivers are more likely to drive fast in a sportier car, which makes these drivers at higher risk of getting in a collision. Convertibles tend to have higher theft rates as well, since soft tops can be easier to steal.

Does my car’s body type affect insurance?

Yes, the specific trim and body type can also raise or lower your rates.

Convertibles, sports cars and SUVs tend to be more expensive to insure. Soft top convertibles are easier to break into. It’s too tempting not to drive fast in a sports car, and this gives them a higher risk of being involved in a crash.

If you opt for an upgraded trim or a few extra features, changes are that raised your car’s MSRP. Springing for heated seats or a fancy sound system wouldn’t typically be enough to change insurance rates significantly, but insuring a car with several thousand dollars in upgrades might raise your rates enough to matter.

How does my car’s trim affect car insurance?

The make and model of the car you drive is the biggest factor that determines your insurance rates, but even your car’s trim level can affect rates. The trim level of your car is specific to your model. For example, the Mini Cooper S and JCW include higher end specs and a higher end price than the standard trim Mini Cooper. You’ll also get more horsepower and sport seats with this fancier trim level.

Model Year, Make and Model Trim Level Average MSRP Yearly Insurance Premiums
2019 Toyota Camry L $24,095 $956
2019 Toyota Camry LE $24,600 $956
2019 Toyota Camry SE $25,800 $956
2019 Toyota Camry XLE V4 $29,175 $1,027
2019 Toyota Camry XSE V4 $29,725 $1,411
2019 Toyota Camry XLE V6 $34,300 $1,039
2019 Toyota Camry XSE V6 $34,850 $990

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Which makes and models are cheaper to insure?

In general, the cheaper the car, the cheaper your insurance rates. Safer, cheaper cars present less risk to an insurer because they’re safer in a crash and tend to have cheaper replacement parts. Japanese manufacturers like Honda, Toyota and Subaru are often at the top of the list of cheapest cars to insure, while luxury and sports cars made by BMW and Buick land on the pricier side of insurance rates.

Cheapest makes to insure

Rank Make Average monthly premium
1 Honda $161
2 Acura $167
3 Subaru $168
4 Hyundai $180
5 Ford $185
5 Toyota $185

Most expensive makes to insure

Rank Make Average monthly premium
1 Ferrari $913
2 Aston Martin $548
3 Lamborghini $502
4 Lotus $444
5 Maserati $411

Car insurance rates by model

Compare average car insurance rates for new cars for the top 400+ car models.

Model Make Monthly insurance rate MSRP
Acura ILX $179 $25,900
Acura MDX $191 $44,050
Acura NSX $191 $156,000
Acura RDX $153 $35,670
Acura RLX $152 $54,450
Acura TLX $152 $32,000
Alfa Romeo 4C $197 $55,900
Alfa Romeo Giulia $197 $37,995
Alfa Romeo Stelvio $197 $40,195
Aston Martin Db11 $652 $214,820
Aston Martin Rapide $626 $206,000
Aston Martin Vantage $569 $186,295
Aston Martin Vanquish $510 $287,650
Audi A3 $191 $31,200
Audi A4 $191 $34,900
Audi A4 All Road $132 $44,000
Audi A5 $127 $41,200
Audi A6 $136 $47,600
Audi A7 $124 $68,800
Audi A8 $191 $82,500
Audi Q3 $191 $31,800
Audi Q5 $138 $40,900
Audi Q7 $197 $49,000
Audi Q8 $160 $67,400
Audi R8 $197 $162,900
Audi RS7 $191 $110,700
Audi S3 $132 $42,900
Audi S5 $98 $53,100
Audi S6 $132 $70,900
Audi S7 $191 $79,900
Audi S8 $191 $115,900
Audi SQ5 $132 $53,300
Audi TT $128 $43,500
Bentley Bentayga $132 $229,100
Bentley Continental $270 $198,500
Bentley Flying Spur $240 $189,000
Bentley Mulsanne $270 $303,700
BMW 2 Series $238 $33,150
BMW 3 Series $178 $33,450
BMW 4 Series $238 $41,950
BMW 5 Series $169 $51,200
BMW 6 Series $160 $77,600
BMW 7 Series $167 $81,500
BMW 8 Series $170 $111,900
BMW I3 $181 $46,250
BMW I8 $161 $143,400
BMW M2 $238 $52,500
BMW M3 $167 $64,000
BMW M4 $159 $66,200
BMW M6 $161 $113,700
BMW X1 $179 $33,750
BMW X3 $180 $40,050
BMW X4 $238 $45,550
BMW X5 $178 $56,600
BMW X6 $173 $62,500
BUICK Cascada $238 $33,065
BUICK Enclave $161 $39,065
BUICK Encore $238 $22,990
BUICK Envision $238 $34,065
BUICK Lacrosse $238 $32,065
BUICK Regal $168 $27,065
BUICK Verano $238 $21,065
Cadillac ATD $173 $34,595
Cadillac ATS-V $169 $60,695
Cadillac CT5 $170 $40,000
Cadillac CT6 $238 $53,795
Cadillac CTS $173 $45,995
Cadillac CTS-V $170 $85,995
Cadillac Escalade $179 $73,395
Cadillac XT4 $175 $34,795
Cadillac XT5 $238 $39,395
Cadillac XT6 $186 $52,695
Cadillac XTS $167 $45,595
Chevrolet Corvette $238 $55,450
Chevrolet SS $164 $46,625
Chevrolet Express $171 $30,745
Chevrolet Bolt EV $238 $36,620
Chevrolet Camaro $154 $25,905
Chevrolet City Express $171 $22,405
Chevrolet Colorado $161 $20,000
Chevrolet Cruze $238 $16,975
Chevrolet Equinox $177 $23,100
Chevrolet Impala $175 $27,500
Chevrolet Malibu $238 $21,680
Chevrolet Silverado $160 $27,785
Chevrolet Sonic $174 $15,145
Chevrolet Spark $181 $13,000
Chevrolet Suburban $172 $49,915
Chevrolet Tahoe $169 $47,215
Chevrolet Traverse $171 $28,700
Chevrolet Trax $180 $21,000
Chevrolet Volt $177 $33,220
Chrysler 200 $164 $22,115
Chrysler 300 $160 $35,675
Chrysler Pacifica $132 $28,995
Dodge Viper $170 $87,895
Dodge Challenger $245 $26,995
Dodge Charger $173 $27,995
Dodge Durango $186 $29,995
Dodge Grand Caravan $238 $25,995
Dodge Journey $189 $21,195
Ferrari 488 GTB $783 $245,400
Ferrari 488 Spider $868 $272,700
Ferrari 812 $1,188 $335,275
Ferrari California T $648 $202,723
Ferrari F12 Berlinetta $1,015 $319,995
Ferrari F12 TDF $1,015 $319,995
Ferrari FF $935 $295,000
Ferrari GTC4 Lusso $953 $300,000
Fiat 124 Spider $238 $24,995
Fiat 500 $180 $14,995
Fiat 500L $166 $20,995
Fiat 500X $245 $19,995
Ford Expedition $172 $47,125
Ford F-450 $166 $53,945
Ford GT $245 $450,000
Ford C-Max $238 $27,120
Ford Edge $173 $28,950
Ford Escape $178 $23,750
Ford Explorer $171 $31,660
Ford F-150 $157 $27,110
Ford F-250 $167 $32,535
Ford F-350 $245 $33,705
Ford Fiesta $180 $13,660
Ford Flex $171 $30,025
Ford Focus $238 $16,775
Ford Fusion $178 $22,610
Ford Mustang $166 $25,185
Ford Taurus $173 $27,345
Ford Transit Connect $172 $23,010
GMC Sierra $113 $34,995
Honda Clarity $197 $59,365
Honda Accord $151 $22,455
Honda Civic $153 $18,740
Honda CR-V $197 $24,045
Honda Fit $145 $16,090
Honda HR-V $147 $19,465
Honda Odyssey $132 $29,850
Honda Pilot $137 $30,745
Honda Ridgeline $191 $29,475
Hyundai Accent $177 $14,745
Hyundai Azera $165 $34,100
Hyundai Elantra $220 $17,150
Hyundai Elantra GT $177 $18,800
Hyundai Ioniq $227 $22,200
Hyundai Kona $122 $19,900
Hyundai Santa Fe $158 $30,800
Hyundai Santa Fe Sport $165 $25,350
Hyundai Sonata $176 $21,600
Hyundai Tucson $169 $22,700
Hyundai Veloster $220 $18,100
Infiniti Q50 $220 $33,950
Infiniti Q60 $220 $38,950
Infiniti Q70 $160 $50,100
Infiniti Q70L $160 $51,600
Infiniti QX30 $220 $29,950
Infiniti QX50 $167 $34,650
Infiniti QX60 $220 $43,100
Infiniti QX70 $166 $45,850
Infiniti QX80 $166 $63,850
Jaguar E-Pace $156 $39,595
Jaguar F-Pace $201 $43,060
Jaguar F-Type $148 $61,745
Jaguar XE $163 $36,720
Jaguar XF $184 $48,770
Jaguar XJ $158 $76,395
Jaguar XJL $110 $76,395
Jaguar XJR $110 $123,395
Jeep Cherokee $220 $23,695
Jeep Compass $164 $19,940
Jeep Grand Cherokee $220 $30,395
Jeep Patriot $164 $18,040
Jeep Renegade $220 $17,995
Jeep Wrangler $154 $23,995
Kia K900 $220 $49,900
Kia Cadenza $220 $31,990
Kia Forte $180 $16,600
Kia Optima $181 $22,200
Kia Rio $187 $14,165
Kia Sedona $190 $26,900
Kia Sorento $165 $25,600
Kia Soul $176 $16,100
Kia Soul EV $174 $32,250
Kia Sportage $174 $23,200
Kia Stinger $187 $32,990
Kia Telluride $196 $31,690
Lamborghini Aventador $568 $399,500
Lamborghini Huracan $436 $199,800
Land Rover Discovery $227 $49,990
Land Rover Discovery Sport $161 $37,695
Land Rover Range Rover $156 $85,650
Land Rover Range Rover Evoque $220 $41,800
Land Rover Range Rover Sport $227 $65,650
Lexus CT $171 $31,250
Lexus ES $167 $38,900
Lexus GS $220 $46,310
Lexus GSF $220 $83,940
Lexus GX $161 $51,680
Lexus IS $162 $37,825
Lexus LS $155 $72,520
Lexus LX $161 $89,880
Lexus NX $167 $35,285
Lexus RC $220 $40,155
Lexus RCF $156 $64,165
Lexus RX $154 $43,120
Lincoln Continental $220 $44,720
Lincoln MKC $159 $32,880
Lincoln MKT $157 $43,530
Lincoln MKX $157 $38,260
Lincoln MKZ $220 $35,170
Lincoln Navigator $159 $63,515
Lotus Evora $424 $91,785
Lotus 3-Eleven $464 $129,000
Maserati Ghibli $385 $74,300
Maserati Granturismo $535 $134,775
Maserati Levante $291 $75,300
Maserati Quattroporte $433 $107,400
Mazda 3 $165 $17,845
Mazda 6 $220 $21,945
Mazda CX-3 $165 $19,960
Mazda CX-5 $227 $24,045
Mazda MX-5 Miata $152 $24,915
Mclaren 570S $583 $191,100
Mclaren 650S $1,040 $349,500
Mercedes-Benz AMG GT $220 $111,200
Mercedes-Benz B250E $220 $39,900
Mercedes-Benz C-Class $220 $39,500
Mercedes-Benz CLA-Class $152 $32,400
Mercedes-Benz CLS-Class $152 $74,850
Mercedes-Benz E-Class $220 $52,150
Mercedes-Benz G-Class $220 $122,400
Mercedes-Benz GLA-Class $227 $32,850
Mercedes-Benz GLC-Class $220 $39,150
Mercedes-Benz GLE-Class $227 $52,000
Mercedes-Benz GLS-Class $227 $67,050
Mercedes-Benz Maybach S650 Cabriolet $814 $38,900
Mercedes-Benz Metris $220 $25,995
Mercedes-Benz S-Class $220 $96,600
Mercedes-Benz SL-Class $140 $86,950
Mercedes-Benz SLC-Class $220 $47,950
Mercedes-Benz Sprinter $227 $32,495
MINI Cooper 197/227 $20,950
Mitsubishi Eclipse $85 $23,595
Mitsubishi I-Miev $187 $22,995
Mitsubishi Lancer $197 $17,795
Mitsubishi Mirage $184 $12,995
Mitsubishi Outlander $184 $23,495
Mitsubishi Outlander Sport $184 $19,795
Nissan Armada $220 $44,900
Nissan GT-R $158 $109,990
Nissan 370Z $162 $29,990
Nissan Altima $183 $22,500
Nissan Frontier $147 $18,390
Nissan Juke $182 $20,250
Nissan Leaf $185 $30,680
Nissan Maxima $173 $32,610
Nissan Murano $169 $29,740
Nissan NV200 $172 $21,330
Nissan Pathfinder $220 $30,290
Nissan Rogue $176 $23,820
Nissan Sentra $220 $16,990
Nissan Titan $220 $29,580
Nissan Titan XD $227 $31,590
Nissan Versa $191 $11,990
Nissan Versa Note $180 $15,480
Porsche 911 $105 $89,400
Porsche Boxster $105 $52,100
Porsche Cayenne $115 $59,600
Porsche Cayman $108 $53,900
Porsche Macan $220 $47,500
Porsche Panamera $105 $85,000
Ram 1500 $148 $26,495
Ram 2500 $151 $32,145
Ram 3500 $151 $33,245
Ram Promaster 1500 $156 $29,995
Ram Promaster City $220 $23,495
Rolls-Royce Ghost $428 $250,000
Rolls-Royce Phantom $1,427 $420,325
Rolls-Royce Wraith $1,083 $317,700
Rolls-Royce Cullinan $979 $350,000
Smart Fortwo $220 $14,650
Subaru Outback $139 $25,645
Subaru BRZ $154 $25,495
Subaru Crosstrek $220 $21,695
Subaru Forester $141 $22,595
Subaru Impreza $227 $18,395
Subaru Legacy $150 $21,995
Subaru WRX $144 $26,695
Tesla Model S $227 $68,000
Tesla Model X $227 $82,500
Toyota Land Cruiser $162 $84,775
Toyota 4runner $227 $34,210
Toyota Avalon $170 $33,300
Toyota Camry $175 $23,070
Toyota Corolla $179 $18,500
Toyota C-HR $132 $22,500
Toyota Highlander $227 $30,630
Toyota Mirai $220 $57,500
Toyota Prius $177 $23,475
Toyota Prius C $220 $20,150
Toyota Prius Prime $220 $27,100
Toyota Prius V $167 $26,675
Toyota RAV4 $167 $24,410
Toyota RAV4 Hybrid $220 $29,030
Toyota Sequoia $157 $45,560
Toyota Sienna $149 $29,750
Toyota Supra $194 $49,990
Toyota Tacoma $142 $24,320
Toyota Tundra $135 $30,120
Toyota Yaris $181 $15,250
Toyota Yaris LA $220 $15,950
Volkswagen Arteon $197 $35,000
Volkswagen Atlas $179 $30,895
Volkswagen Beetle $220 $19,995
Volkswagen CC $220 $34,475
Volkswagen Golf $158 $19,895
Volkswagen Golf Alltrack $220 $25,850
Volkswagen Golf R $145 $35,655
Volkswagen Golf Sportwagen $227 $21,580
Volkswagen GTI $156 $24,995
Volkswagen Jetta $159 $17,895
Volkswagen Passat $220 $22,440
Volkswagen Tiguan $152 $24,995
Volkswagen Touareg $220 $49,495
Volvo S90 $220 $46,950
Volvo XC60 $220 $40,950
Volvo XC90 $220 $45,750
Volvo S60 $227 $33,950
Volvo V60 $227 $36,150

Bottom line

Shopping for car insurance can be difficult, and comparing rates by car can help you narrow down your decision. Rates can change drastically based on which car you drive, so compare insurance to find the best deal for your ride.

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2 Responses

  1. Default Gravatar
    DougSeptember 20, 2018

    When rating an auto for insurance in Ohio, how many years old does the the car have to be, before the premium will no longer increase?

    • Avatarfinder Customer Care
      JhezSeptember 21, 2018Staff

      Hello Doug,

      Thank you for your comment.

      Please note that most cars lose value as they age, but in some cases, older cars attain a greater value by achieving classic car status. Cars generally must be at least 25 years old to be considered classics. Before you buy insurance for your car, you may wish to have its value appraised so your policy will accurately reflect its worth. This is especially important if you have made improvements that have increased its value.

      So regarding your question, we could not tell if the premium will not increase because as the car ages, they may be of greater value.

      I suggest that you compare car insurance companies in OH by entering your zip code in the quote engine above to see the rates per insurer or click the Go to Site button from one of the insurers we have listed and get quotes directly.

      Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

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