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Compare Polestar car insurance rates

How much does car insurance cost for a Polestar?

Expect to pay $200 to $300 per month or $2,800 to $3,800 annually for your Polestar's car insurance, depending on which high-dollar model you choose. The Polestar 1 has a triple-digit ticket price, putting it on the highest end for car insurance rates of any car. Filter car insurance companies by your state to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
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.
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.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Find your Polestar model

How to compare insurance for Polestar

Polestar cars focus on luxury and performance, making many of its features more expensive to insure.

  • MSRP. This brand’s luxury cars come with a higher ticket price than other makes, including one model that costs triple digits. And car value can drive up insurance rates.
  • Country of manufacture. Not many Swedish manufacturers like Polestar are mainstream in the US, so getting car parts might cost extra for repairs.
  • Safety features. Polestar uses an impact-absorbing design and advanced driver assistance features to avoid crashes altogether. Consider policies that give lower rates or discounts for driver assistance.
  • Driving performance. This brand’s models are made with high-powered performance in mind, and that could make premiums more expensive.
  • Maintenance costs. You can expect to pay more to maintain Polestar models because of its technology and exclusive design. You may need a specialist mechanic for some maintenance.
  • Theft rates. Theft rates for specialty luxury cars are low, a plus for your insurance company.
  • Repair costs. Luxury and electric cars both cost more for repairs because of the expertise needed and car part availability.
  • Electric range. Not all Polestar models get a long range, so consider the cost of charging stations if you plan to travel.

Polestar car insurance rates by model

ModelMonthly insurance rateBase car price
Polestar 1$320$150,000
Polestar 2$232$59,900

Bottom line

Polestar channels its energy toward luxury electric cars, making its models more expensive to insure than most models on the road. Weigh your luxury car insurance options or consider other car makes if you’re deciding which car to buy.

Frequently asked questions about Polestar

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