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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.

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.
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
USAA
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Progressive
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
The Zebra
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Get quotes
More Info
Smartfinancial
Smartfinancial
Yes
Yes
No
All 50 states and DC
Get quotes
Pretected
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Get quotes
More Info
Liberty Mutual
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Get quotes
More Info
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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.

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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