Insurance Costs by Car Type

Insurance costs in the U.S. vary by car type—sedans, SUVs, trucks, luxury, and sports cars can have very different premiums. Here's how insurance cost varies by car type and how to factor it into total cost.

TL;DR Insurance cost varies by car type—luxury, sports, and high-theft models often cost more; sedans and some SUVs can be lower. Always get a quote before you buy. Factor insurance into total cost of ownership. Use autopremo.com total cost of ownership to compare cars.

How Insurance Cost Varies by Car Type (US)

• Sedans (mainstream) — often lower premiums; moderate repair cost and lower theft risk in many segments.
• SUVs and trucks — can be higher (more damage in accidents, higher repair cost); varies by model.
• Luxury — often higher (expensive parts and labor).
• Sports and high-performance — often much higher (higher risk, higher repair cost).
• EVs — can be higher (expensive batteries and parts); varies by model.

These are general patterns; your location, driving record, and insurer matter. Always get a quote for the exact vehicle before you buy. Use autopremo.com total cost of ownership to add insurance to your comparison.

See total cost including insurance at autopremo.com.

What to Do When Buying

• Get quotes for each car you're considering — same driver, same location, different vehicles. Insurance can vary $100+/month between models.
• Factor insurance into total cost — a "cheaper" car with high insurance can cost more over 5 years than a pricier car with lower insurance. Use autopremo.com.
• Don't buy without a quote — you may find the car you "afford" has insurance you can't afford.

Compare total cost at autopremo.com.

Bottom Line

Insurance cost varies by car type in the U.S.—get a quote before you buy and factor it into total cost. Use autopremo.com to see total cost of ownership so you don't overcommit on a car with high insurance.