UPDATED: Mar 27, 2020
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Car Insurance Rates by Make and Model
All types of insurance involve a transfer of risk. Insurance companies are in the business of assuming a degree of risk from each policyholder they cover. They’re also, however, in the business of being profitable, which is only possible when taking in more premium dollars then they pay out in claims.
The risk of loss you face when you drive a motor vehicle exists in several forms. In the event of a collision, you’re at risk of damaging your vehicle, damaging other vehicles or causing damage to additional property such as buildings, fences, landscaping, etc.
There’s also the risk of bodily injury to you or others or even fatalities. Rather than facing these catastrophes on your own, your auto insurance coverage is designed to share the burden of certain of these liabilities, damages and potentially huge financial losses.
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Average Car Insurance Rates
With more than 2,500 companies offering auto insurance in the United States, your choice of providers, coverage options, payment options and policy prices seems almost endless. If you’re looking into purchasing a policy for a new car, for a used car that’s new to you or a replacement policy for your existing vehicle, you can use the information found here at Insurantly.com to fine-tune your search and make the task more interesting and enlightening.
Average car insurance rates are one popular policy comparison method we provide. You can view this information on a city wide, state wide or national basis. We attempt to give you just as many ways of comparing coverage as possible and to teach some of the ins and outs of the many different available options auto insurance presents.
- Typical car insurance rates
- Rates by car
- Rates by age
- New car insurance rates
- Cars with the lowest insurance rates
- Average rates by car and age
- Best rated car insurance
- Top rated car insurance companies
If knowledge is power, then the information found on these pages gives you a powerful advantage in the automobile insurance buying arena. You can choose to obtain an instant insurance rate quote online or you can easily connect to a live agent able to answer your questions and provide a rate quote based exactly on your personal needs.
We partner with many of the nation’s largest, most respected auto insurance carriers to bring you the best coverage available. The information these companies provide makes it possible to accumulate detailed comparisons between not only insurance providers but also the various products they offer.
This, however, is just the beginning. There are many specific, individual details that affect the insurance underwriting process, all of which must be taken into consideration to get an accurate picture of coverage levels and premium amounts required for the protection you want.
Insurance companies have formulas they use to determine risk exposure and how much to charge in order to provide coverage for a specific applicant and not lose money on the deal. One set of data used refers strictly to the vehicle being insured, while another set deals with the individual being insured.
A specific type of vehicle will possess a defined claim history that can be accessed and used to figure risk probabilities for various types of claims payouts on this type of automobile.
By utilizing what’s called the Law of Large Numbers, they’re able to figure averages from studying literally millions of cases. They’re aware of every detail that could affect their level of risk exposure, including age, gender and zip code of an insured, to the model, make, age and even color of the vehicle they’re insuring.
A vehicle’s safety rating is taken into account, and the number of safety devices such as airbags and ABS installed, but also things like the “type” of person usually attracted to driving this particular kind of vehicle.
The Bottom Line – Claims
The bottom line for any insurance company is claims, both how many and how much. Looking at the claims history of a certain make and model of automobile can give a good idea of what future claims are likely to be, an important factor in writing future policies for similar vehicles.
Not only does claim frequency play a role but also average claim amounts. The least expensive cars/trucks/SUVs to insure are the ones whose owners not only submit the fewest claims but also those whose claim amounts are lower than average.
Not only are these least-expensive-to-insure vehicles less likely to require collision repair or replacement, when it does become necessary costs are lower than average.
2015’s Least- and Most-Expensive Passenger Vehicles to Insure
Insure.com recently published a study completed by Quadrant Information Services involving 1,522 vehicles in an effort to determine the least- and most-expensive 2015 model-year automobiles to insure. Rates from six major insurance companies were collected.
The driver was a fictitious 40-year old male with an unblemished driving record, a good credit rating and a 12-mile daily commute. Policies included full, comprehensive coverage with liability limits of 100K/300K/50K and uninsured motorist coverage included.
Policy premium rates were obtained for each of the 50 states using a total of ten zip codes per state. Averages were figured by using all 1,522 models surveyed in that state, although not all car models are available in every state.
The least-expensive 2015 passenger vehicle to insure, on average in the U.S., is the 2-door Jeep Wrangler Sport 4WD. Looking at all insurance premium ratings for cars nationwide, average price to insure this model is $1,134 per year for the coverage described above.
Looking at the published list of the ten least-expensive vehicles to insure, three are actually Jeeps! At #2, the 2WD Jeep Patriot Sport costs $2 per year more, on average, and the 2WD Jeep Compass Sport, coming in at #6, averages $1,164 per year, only $30 more than the Wrangler.
Of course, these are averages for car insurance ratings. Your individual premium costs will be dependent on many other factors besides the particular vehicle you drive. Incidentally, of the ten least-expensive vehicles to insure, only one is an actual car, the Smart FORTWO Pure. The other nine are all SUVs. Four are imports and six are American-made (three Jeeps, two Fords and a Dodge).
Conversely, nine of the ten most-expensive autos to insure are imports and only one is made in America, the Dodge SRT Viper, at #5. The rest of the list consists of Mercedes, BMWs, Porsches and an Audi.
The most-expensive car to insure in the U.S., on average, is the Nissan GT-R Nismo. These cars are all fast, expensive to buy and repair and appealing to certain types of drivers. As a result, insurance costs can be double or more average premium costs.
Amazingly, insuring a vehicle in the State of Maine will cost only a fraction of the cost to insure that same vehicle elsewhere, such as some of the country’s big cities.
And other cities nationwide have more traffic, more accidents, more thefts, more vandalism and higher repair costs than average. Expect to pay higher than average premiums when insuring in these locations.
Here are some specific Vehicles Insurantly Has Reviewed
Insurantly has recently began comparing different makes and models of cars from SUVs, to inivans, sports cars, luxury cars, used trucks and cars under $30,000 to name a few. We feel it is important as part of a consumers research process to fully understand the pros and cons of certain types of automobiles.
Additionally, Insurantly makes it easy to get and compare car insurance quotes based on the type of vehicle you have or are considering buying.
Thinking about going with a luxury car? After Henry Ford was able to bring down the manufacturing costs from $850 for the Model T to $440 that many car models began to sell fast and cease to be a luxury indulgence.
Read Insurantly’s take on some of the best luxury cars you can buy. From used cars under 50,000, under $40,000, under $30,000 to $20,000 and luxury cars under $10,000. Learn more here.
In buying used cars under $10,000 the main concern is making sure you get value for your money. This means finding a reliable car that will not break down and require extraordinary maintenance, have available parts and repair shops capable of servicing the car. Learn about Car, SUV’s, and family cars under 10k here.
Best Hybrid Cars
The first hybrid car that used hub-mounted electric motors was called the Mixte and was the brainchild of Ferdinand Porsche although around the same time another German, Henri Pieper, was hard at work trying to be the first to come up with a hybrid car. See what Insurantly discusses for best hybrid cars on the market today.
In 2012, a contributor writer of online Forbes Magazine came out with a startling pronouncement about the Jeep Wrangler and other cars. Jim Gorzelany the Jeep Wrangler – the much-admired and iconic Jeep Wrangler “lacks refinement, comfort, and road manners” because its handling is clumsy, loud on long stretches of road, and uncomfortable.
In the United States, the Ford F-Series ranked number one in sales in 2013 and 2014 with sales figures outgunning its closest competitor, the Chevrolet Silverado, by more than a few thousand. See what Insurantly discussed on the best used trucks.
Also known as the saloon in other countries, the sedan is a popular passenger car that is available in several versions: 2 door, 4 door, and fastback.
It is believed that the word “sedan” came from an Italian word sedia which means “chair” and the fact that the first sedan came from Naples, Italy.