Auto Insurance Quotes by Vehicle (2023)

When shopping for car insurance quotes, you’ll discover that prices will vary between each company, primarily because the factors used when calculating insurance rates can differ. Auto insurance companies will look at the type of vehicle you drive when you request a quote as one of the numerous factors that affect your rate.

Other factors usually include your location, driving history, age, and even marital status in some cases. When your vehicle is used by insurance companies, it is broken down into the make, model, year, and trim style. Newer vehicles are going to be more expensive to insure because parts will cost more.

Car insurance quotes depend on the information you provide, which means you’ll also want to include any additional safety features you’ve purchased for your car or any other details that may reduce what you pay for your policy.

How do I know the make and model of my vehicle? 

The make and model of your car will be important because these determine how much your car will cost in terms of repairs should you need to submit an insurance claim. In the event of an accident, a brand-new, top-of-the-line vehicle will be more expensive to repair than a car that is more than a decade old. Learn more about how vehicle make and model affect your auto insurance rates.

You can determine the make and model of your car by checking a few different places. The vehicle manufacturer is also known as the make and can be distinguished by the emblems on your vehicle. For example, if you drive a Chevrolet, your vehicle will have the bow tie, or if you drive a Subaru, you’ll have the emblem with the six stars. 

The model is the specific type of vehicle you purchase, such as the Chevrolet Trailblazer or the Subaru Forester. These are often emblazoned on the back of your vehicle. If your car does not come with any distinguishing features, the make and model can both be found on your registration, your title, and in the instruction manual that comes with the vehicle. 

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Why are the make and model of a car important? 

There are a few reasons why you’ll need to tell insurance companies the type of car you’re driving, and it all has to do with how much you’ll pay for insurance. If you’re looking to compare auto insurance quotes, you’ll want to keep the details the same with each company, and you’ll also want to provide as much information as possible to get the best rates. 

Insurance companies are going to consider the following when it comes to your vehicle: 

• Safety ratings: Things such as anti-theft devices, anti-lock brakes, navigation assistance, and telematics devices are all considered safety features. How likely it is that your vehicle will be broken into is also a factor when safety ratings are evaluated on vehicles. Safety ratings are often something people consider when looking to purchase a new vehicle.
• The overall cost of the vehicle: A brand-new car, fresh off the manufacturer’s lot is going to be more costly when it comes to repairs. The price of a vehicle is dependent on the parts used, and the features implemented. Vehicles using more expensive parts will cost more to buy, and therefore more expensive to repair or replace.
• Trim style: Different trim styles will determine the look and performance of your vehicle, and the sportier the car the more chances there are of an accident. 

Insurance costs by car will fluctuate based on the above-mentioned factors. All these details should be provided to the insurance companies who are being considered for insurance quotes so that you’re given accurate prices. Learn how to find your car’s make and model.

Which cars have the cheapest auto insurance? 

A cheap car will, in turn, be cheap to repair, and similarly, a safe and reliable car will be less likely to get broken into or damaged in the event of an accident. Sports cars and faster, flashier vehicles will see higher insurance policy price tags. 

If you’re shopping for car insurance and you want to keep your rates as low as possible, find a vehicle with excellent safety ratings. As mentioned above, safety ratings help determine how well a car will do on the road and with someone behind the wheel. Safety features can also help protect you and your passengers should an accident occur. 

Consider a used vehicle if you’re shopping for a car and car insurance as well. Older vehicles will also have lower insurance prices, given the fact that the value of a car decreases from the moment it’s driven off the lot. This also means that you don’t have to carry higher levels of collision coverage, and sometimes comprehensive coverage ends up being more expensive to keep and can be skipped with older vehicles.

Do auto insurance rates differ based on vehicle type? 

Vehicles are also broken down into types in addition to the make and model. Insurance rates by car type will vary since an SUV will have a different rate than a pickup truck. Affordable auto insurance for a sports car is going to be more difficult to find. 

Examples include trucks, minivans, SUVs, cars, and sports cars. Insurance for minivans and SUVs will have different rates. You will also find that hybrids and electric vehicles will also have different car insurance quotes than a standard car. Hybrids and electric vehicles are going to have more expensive monthly premiums currently. Find out whether it’s cheaper to insure a minivan or an SUV.

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What are the cheapest models to insure? 

Cars and trucks often have similar insurance prices, unless you’re looking into complicated trim or safety additions, or the vehicle is a hybrid. The model of your vehicle is the type that you purchase, and can affect what you pay for your car insurance. Insurance rates by model can depend on the age, model, and safety ratings. Find out whether it’s cheaper to insure a car or a truck.

One of the cheapest models to insure includes the Honda Fit, which on average, will cost $113 each month. A Toyota Tacoma would cost, on average, $134 each month, while a Toyota Tundra would be $147. While these vehicles come from the same manufacturer, they can have different monthly premiums.

Which makes are the cheapest to insure? 

The manufacturer of your vehicle is also going to be referred to as the make of your vehicle. Some of the cheaper make to insure include Acura, Ford, Honda, Hyundai, Toyota, and Subaru. 

The average monthly auto insurance premiums range from around $161 to $185, depending on the manufacturer of your vehicle. For Toyota, on average monthly premiums will be $140, while for Honda, the average would be $135. As mentioned above, this will depend on the model. 

Acura maintains an average monthly premium of $167, while Subaru has an average monthly premium of $168, putting them both squarely in the middle of the cheapest makes to insure. Find out how much insurance is for an Acura TLX.

 Which makes and models are most expensive to insure? 

Luxury vehicles are going to cost more in terms of insurance, given the higher cost associated with repairing them. Insurance companies will want to cover the potential for theft, as well as safety records associated with each model.

The Audi S8 and R8 are some of the most expensive models to insure, while Tesla and Acura models also make the list. Porsche 911 coupes will also be the most expensive to insure in terms of models. Find out how much Audi R8 insurance rates are.

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The Bottom Line on Auto Insurance Quotes by Vehicle

When you compare insurance rates by car type, you’ll often find that many factors decide how much you will pay. The make and model are important, as are the safety ratings, age, and manufacturer’s suggested retail price of the vehicle. You’ll be able to determine the make and model of your vehicle based on the manufacturer and the name of the vehicle you drive. Find out how to get auto insurance quotes before buying a car.

The information you submit for an auto insurance quote will be used to provide you with a proposed monthly rate. It’s best to look for multiple quotes, no matter the type of vehicle you drive, so that you can find a policy that best suits your lifestyle.