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Polestar 2 insurance rates

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The Polestar 2 is a sedan that's expensive to insure. The expected average cost of auto insurance for the Polestar 2 is $232 a month or $2,784 a year. With a starting MSRP of $59,900, that makes the price-to-cost ratio 4.65%, compared to the national average of 3%. However, your actual cost may vary depending on your location, driving history, 2 trim and options and other factors.

Get insurance quotes for your Polestar 2

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Savvy
Savvy
Optional
Optional
Yes
All states & DC
Enter your current policy and get quotes in 30-seconds from 100+ companies, then get help to switch insurers for free.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Gabi
Optional
Optional
Yes
All 50 states
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
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What factors affect insurance for the Polestar 2?

Insurance rates for the Polestar 2 are based on theft rates, vehicle performance, repair costs and other factors that vary between makes and models. Here’s how the 2 compares to other vehicles.
  • Type of car. The Polestar 2 is a sedan, which tend to be cheaper to insure.
  • Theft. Theft rates for this car are low, which may lower the cost of insurance.
  • Repairs. Repairs for this car are average, which typically leads to average insurance premiums.
  • Safety ratings. This car has good safety ratings, which typically makes cars cheaper to insure.
  • Fuel type. Cars with electric engines are usually slightly more expensive to insure than other fuel types.
  • Trim. Generally, your insurance goes up when you opt for a pricier trim level or more features upgrades. Popular trim levels for this model include the Base trim, depending on the model year.
  • Coverage. For a sedan, you might consider a policy with your state's required coverage with high liability limits plus collision and comprehensive coverage. And the more coverage you have, the higher your insurance rates.
  • Warranty. New 2s come with a 48 months / 50,000 miles warranty from Polestar plus roadside assistance.
  • Manufacturer deals. Currently, Polestar is offering reduced prices on 36-month leases.

What discounts does the Polestar 2 qualify for?

You could save money on car insurance for your Polestar 2 if it comes equipped with certain safety features.
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount
  • Safety device discount

Polestar 2 safety and reliability ratings

The Polestar 2 scores unrated from the NHTSA, which means its safety is relatively unknown. However, models of this make generally have low safety ratings, which tends to drive up insurance rates. Cars with high safety ratings are usually cheaper to insure because they're easier to repair and safer in a car crash.

Compare the Polestar 2 to similar cars

Find out how other Polestar models compare or explore vehicles similar to the 2. Compare all car makes and models

Bottom line

The Polestar 2 is a sedan with low theft rates and average maintenance, making it expensive to insure. Compare car insurance quotes to find the best price for the coverage you need for your Polestar 2.
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