Average car insurance rates are increasing across the board. As of this month, the average cost of car insurance for full coverage is up nearly 12% in 2025, averaging $2,685 per year. For minimum coverage, the average is around $800 per year. But, some car models are more expensive to insure than others. To save money on your car insurance, you need to choose a car that is not only affordable but also has a good safety record.
Factors Affecting Your Car Insurance Premium
The cost of car insurance is influenced by several factors, including the make and model of your car. The following are the top 5 cars to insure and the top 5 cars that are the most expensive to insure, according to Bankrate:
The 5 Cheapest Cars to Insure
- Subaru Outback
- Jeep Wrangler
- Ford Escape
- Honda Odyssey
- Nissan Rogue
These cars are not only affordable but also have good safety ratings. They tend to be cheaper to repair, which also contributes to lower insurance rates.
The 5 Most Expensive Cars to Insure
- Cadillac Escalade
- Dodge Challenger
- Tesla Model 3
- BMW 330i
- Audi Q5
These cars are often more expensive to repair and have advanced features that may increase their insurance costs. As a result, they tend to have higher insurance premiums.
Other Factors That Can Affect Your Car Insurance Premium
In addition to the make and model of your car, other factors can also impact your car insurance premium. Some of these factors include:
- Vehicle age: Older cars tend to have lower insurance rates since their value has depreciated.
- Body style and trim: Cars with advanced features, such as luxury trims or sport designs, tend to have higher insurance rates.
- Technology and features: Cars with advanced safety features, such as backup cameras, tend to have lower insurance rates.
- Safety rating: Cars with high safety ratings tend to have lower insurance rates.
To minimize your car insurance premium, consider the following tips:
- Buy a certified pre-owned vehicle, which tends to be cheaper to insure.
- Avoid cars with advanced features that may increase your insurance rates.
- Choose a car with a good safety record and a lower insurance rate.
By considering these factors and choosing a car that fits your budget, you can minimize your car insurance premium and save money on your insurance costs.
Conclusion
When shopping for a new car, keep in mind that the car you drive can significantly impact your car insurance premium. By choosing a car with a good safety record and considering other factors that can affect your insurance rate, you can minimize your premium and save money on your insurance costs.