Our data shows that the Maserati Quattroporte, Maserati Ghibli, and BMW M8 Gran Coupe are among the priciest cars to insure.
The cheapest cars to insure are the Honda CR-V, Honda HR-V, Volkswagen Tiguan, and Hyundai Venue.
Each year, we compare car insurance rates in every state to compile a comprehensive ranking of vehicle insurance based on make, model, and type. We collected insurance quotes from several major insurance carriers and averaged the premiums to determine this year’s most expensive and cheapest cars to insure.
Key Takeaways
- The Honda CR-V is the cheapest car to insure in 2025, with an average monthly premium of $161.
- The Maserati Quattroporte is the most expensive vehicle, costing an average of $7,090 per year to insure.
- For young drivers, the Maserati Quattroporte remains the most expensive to insure, while the Honda CR-V is the most budget-friendly option.
- The Subaru Impreza is the most affordable sedan to insure, averaging $2,120 annually.
What to consider when picking a car — beyond the price tag
Determining the best vehicle for you doesn’t just come down to cost. Family size, transportation needs, commuting, and recreation habits are also consideration points.
One way to save money on car insurance premiums is to purchase a vehicle with high safety ratings and low repair costs. These aspects often lessen the assessed risk that car insurers may consider when setting premium rates.
Jim Brau, the Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business, says that inexpensive, older vehicles are cheaper to insure because the repairs are less costly.
“Insurance firms will try to predict what hazards owners of a particular vehicle present and how expensive it will be to fix or total a specific vehicle,” Brau says.
The cheapest cars to insure
The Honda CR-V, Honda HR-V, Volkswagen Tiguan, and Hyundai Venue are among the cheapest cars to insure. The Honda CR-V leads the list, with an average annual premium of $1,932, or about $161 monthly.
This vehicle is likely the most affordable because it has a range of safety features, including lane-departure warning, automatic emergency braking, and blind-spot detection. It’s also been named a 2025 Top Safety Pick by the Insurance Institute for Highway Safety (IIHS). You can find the annual and monthly insurance rates for the most affordable cars to insure in the graph below.
💡Smart insurance move
Before you fall in love with a car, get a few insurance quotes. Models like the Honda CR-V and Subaru Forester usually score safety discounts, which means lower rates. You can also save more by bundling your car and home insurance or asking about safe-driver perks.
Car insurance companies with the lowest premiums by vehicle
When it comes to finding the cheapest car insurance premiums, shopping around is your best bet. Car insurance companies set premiums based on proprietary calculations of your location, vehicle make/model, age, gender, driving history, and credit history (in certain states).
The car insurance companies offering affordable premiums for the cheapest models include Nationwide and GEICO. The cheapest cars to insure vary a bit when you analyze the rates by company. By carrier, the cheapest vehicle is the Honda CR-V insured by Nationwide, followed by the Subaru Forester. See more rates in the table below.
| Make/Model | Company | Average annual premium | Average monthly premium |
|---|---|---|---|
| Honda CR-V | Nationwide | $1,402 | $117 |
| Honda HR-V | GEICO | $1,601 | $133 |
| Volkswagen Tiguan | Nationwide | $1,465 | $122 |
| Hyundai Venue | Nationwide | $1,687 | $141 |
| Chevrolet TrailBlazer | State Farm | $1,675 | $140 |
| Subaru Forester | Nationwide | $1,444 | $120 |
| Mazda CX-5 | GEICO | $1,637 | $136 |
| Chevrolet Express | Nationwide | $1,552 | $129 |
| Subaru Outback | Nationwide | $1,448 | $121 |
| Hyundai Kona | GEICO | $1,631 | $136 |
| Hyundai Tucson | GEICO | $1,613 | $134 |
| Volkswagen Taos | Progressive | $1,578 | $132 |
| Subaru Crosstrek | State Farm | $1,659 | $138 |
| Toyota Corolla Cross | GEICO | $1,694 | $141 |
| Kia Sportage | GEICO | $1,680 | $140 |
| Honda Pilot | Nationwide | $1,444 | $120 |
| Honda Odyssey | Nationwide | $1,607 | $134 |
| Toyota RAV4 | State Farm | $1,671 | $139 |
| Mazda CX-30 | GEICO | $1,596 | $133 |
| Chevrolet Equinox | Nationwide | $1,667 | $139 |
| Kia Seltos | Progressive | $1,740 | $145 |
| Mini Cooper Electric | Nationwide | $1,522 | $127 |
| Chevrolet Trax | GEICO | $1,656 | $138 |
| Chrysler Voyager | GEICO | $1,856 | $155 |
| Jeep Wrangler | Nationwide | $1,751 | $146 |
💡Easy way to cut costs
Don’t stick with one company out of habit. Each insurer prices risk differently, so checking quotes from a few carriers could save you a few hundred bucks a year. It’s quick, free, and often worth the effort.
The most expensive cars to insure
It’s no surprise that supercars and luxury models top the list. Their sleek designs, high performance, and hefty price tags make them standouts on the road – and expensive to repair or replace. That’s why they come with higher insurance premiums. In 2025, some of the most expensive cars to insure include the Maserati Quattroporte, Maserati Ghibli, and BMW M8 Gran Coupe.
The premiums on these vehicles are generally higher than most because they have limited and expensive replacement parts and can hit excessively high speeds, making them a high-risk vehicle for accidents, fatalities and theft.
Topping the list of the most expensive cars to insure is the Maserati Quattroporte, with an average monthly premium of $591. The Maserati Ghibli follows it at $532 per month and the BMW M8 Gran Coupe at $499. You can find more high-cost models and their rates in the graph below.
Graph
Table
💡Pro tip for your wallet
Love luxury cars? You can still save a little. Raise your deductible, park in a secure garage, or install an anti-theft device. Even small changes can help offset those premium repair costs.
The most expensive cars to insure for an insurance company
Finding affordable car insurance for a luxury or supercar model is possible, and it may depend on the vehicle’s safety features. The most expensive vehicle on our list is the Maserati Quattroporte when insured by Allstate.
Check out the table below for a full breakdown of rates on the most expensive cars to insure.
| Make/Model | Company | Average annual premium | Average monthly premium |
|---|---|---|---|
| Maserati Quattroporte | Allstate | $10,737 | $895 |
| Maserati Ghibli | Allstate | $10,141 | $845 |
| BMW M8 Gran Coupe | Allstate | $7,938 | $662 |
| Audi RS7 | Allstate | $8,034 | $670 |
| Nissan GT-R | Allstate | $8,346 | $696 |
| BMW M8 | Allstate | $7,236 | $603 |
| Audi e-tron GT | Allstate | $7,512 | $626 |
| Audi RS6 | Allstate | $8,039 | $670 |
| Audi S8 | Allstate | $7,611 | $634 |
| BMW i7 | GEICO | $6,335 | $528 |
| Porsche 911 Turbo | Allstate | $6,758 | $563 |
| Mercedes G63 | Farmers | $7,245 | $604 |
| Porsche 911 GT3 | Farmers | $7,357 | $613 |
| Mercedes GT | Allstate | $7,532 | $628 |
| Mercedes S-Class | Allstate | $6,778 | $565 |
| Tesla Model S | Allstate | $8,099 | $675 |
| Porsche Taycan | Allstate | $6,494 | $541 |
| BMW X6 M | Farmers | $7,701 | $642 |
| Maserati Levante | Allstate | $8,271 | $689 |
| Mercedes EQS | Allstate | $6,566 | $547 |
| Audi RS Q8 | Farmers | $7,549 | $629 |
| Porsche Taycan Cross Turismo | Allstate | $6,552 | $546 |
| BMW XM | Allstate | $6,494 | $541 |
| BMW M4 | Allstate | $6,351 | $529 |
| BMW 8 Series Gran Coupe | Allstate | $7,161 | $597 |
