Estimates only. Not insurance advice. Get a real quote before you buy.
CarInsuranceCostPerMonth.com

Updated April 2026

Car Insurance Cost by Vehicle Type 2026: Sedan vs SUV vs Truck vs Sports vs EV

National averages for a 35-year-old with full coverage. Sources: Insurify 2026, MoneyGeek 2026, Insure.com 2026.

Sports Car
$416/mo
+55% vs sedan
Electric Vehicle
$349/mo
+30% vs sedan
Pickup Truck
$282/mo
+5% vs sedan
Sedan
$269/mo
Baseline
SUV
$213/mo
-21% vs sedan
Sports Car
$416/mo
$4,994/yr

Highest cost category. Driver-behaviour actuarial loss data, high repair cost, elevated theft rate (on hot models), high speed-class rating, and lower safety ratings on some older performance models. Top of the list: Nissan GT-R, Toyota Supra, Dodge Challenger Hellcat.

Most expensive models
  • Nissan GT-R ($482/mo)
  • Toyota Supra ($463/mo)
Cheapest models
  • Ford Mustang EcoBoost ($289/mo)
  • Mazda MX-5 Miata ($261/mo)
Electric Vehicle
$349/mo
$4,189/yr

20-40% premium over equivalent ICE vehicles. Battery replacement cost ($15K+), high-voltage sensor calibration after even minor collisions, ADAS recalibration, specialty body-shop requirements, and parts availability gaps are the primary drivers. Tesla's own insurance arm (Tesla Insurance) offers competitive rates in select states.

Most expensive models
  • Lucid Air ($521/mo)
  • Rivian R1T ($487/mo)
Cheapest models
  • Chevrolet Bolt ($219/mo)
  • Nissan Leaf ($224/mo)
Pickup Truck
$282/mo
$3,383/yr

Full-size trucks (Silverado, Ram 1500, F-150) sit slightly above sedans. High parts cost on premium trims, moderate theft rate, towing-class endorsements, and commercial-use exposure. Mid-size pickups (Tacoma, Maverick) are among the cheapest vehicles to insure.

Most expensive models
  • Ram TRX ($312/mo)
  • GMC Sierra AT4X ($298/mo)
Cheapest models
  • Ford Maverick ($176/mo)
  • Toyota Tacoma base ($181/mo)
Sedan
$269/mo
$3,222/yr

Baseline category. Standard repair costs, mid-range theft rate, widely available parts, mid-range claims frequency. Honda Accord, Toyota Camry, Nissan Altima are the benchmark models.

Most expensive models
  • BMW 5 Series ($215/mo)
  • Mercedes C-Class ($211/mo)
Cheapest models
  • Honda Accord ($195/mo)
  • Toyota Camry ($191/mo)
SUV
$213/mo
$2,553/yr

Counter-intuitive: SUVs typically cost less than sedans. Reason: lower theft rates on most models, higher safety ratings (IIHS), parts widely available, lower bodily-injury severity in collisions due to mass and seating position. Exception: luxury SUVs (Range Rover, Mercedes GLE) reverse this.

Most expensive models
  • Range Rover ($261/mo)
  • Mercedes GLE ($249/mo)
Cheapest models
  • Honda CR-V ($161/mo)
  • Toyota RAV4 ($163/mo)

Vehicle Type FAQs

Are SUVs cheaper to insure than sedans?⌄
Counterintuitively, yes -- most SUVs are cheaper to insure than sedans. The national average for an SUV is approximately $213 per month vs $269 per month for a sedan (35-year-old, national average, full coverage, per Insurify 2026). The reasons: SUVs have lower theft rates than sedans on most models, higher safety ratings from the IIHS (the larger vehicle tends to perform better in crash tests), and a lower bodily-injury severity in collisions because of higher mass and seating position. Important exception: luxury SUVs (Range Rover, Mercedes GLE, BMW X5) are significantly more expensive than luxury sedans because of repair costs.
Why is sports car insurance so expensive?⌄
Sports cars attract premiums 50-100% above the sedan baseline for three interconnected reasons. First, driver behaviour: actuarial data shows sports-car drivers file more speeding and at-fault accident claims per mile. Second, repair cost: high-performance parts, carbon-fibre body panels, low-profile tires, and specialised suspension are expensive to repair or replace. Third, theft rate: hot-list sports cars (Dodge Challenger, Nissan GT-R, Dodge Charger) are disproportionately targeted. The combination of higher loss frequency and higher loss severity per claim produces 1.5-2x the sedan premium.
How much more does EV insurance cost than a comparable ICE car?⌄
Electric vehicles cost approximately 20-40% more to insure than equivalent internal combustion engine vehicles of similar price and size. The primary cost drivers are battery replacement (battery packs cost $10,000-$20,000+ when damaged), ADAS sensor recalibration after even minor collisions (lidar, radar, cameras around the vehicle must be professionally recalibrated), and the limited availability of qualified EV repair shops in many markets. Tesla's own insurance arm (Tesla Insurance, available in select states) offers competitive rates by using actual driving data from the vehicle rather than demographic averages.
What is the cheapest car to insure?⌄
Among common models, the Honda CR-V, Toyota RAV4, and Subaru Forester are consistently among the cheapest to insure -- in the $160-170 per month range for a 35-year-old with full coverage. The Subaru BRZ and Mazda MX-5 Miata are the cheapest sports cars to insure. The Chevrolet Bolt and Nissan Leaf are the cheapest EVs. The Ford Maverick and Toyota Tacoma base trim are the cheapest trucks. Cheapest overall tend to be mid-range SUVs and crossovers: low theft rates, high safety ratings, widely available parts. Sources: MoneyGeek 2026, Insure.com 2026.
What is the most expensive car to insure?⌄
At the model level, the Nissan GT-R ($482/month), Toyota Supra ($463/month), and Dodge Challenger Hellcat ($447/month) are among the most expensive sports cars to insure nationally, per Insure.com 2026 data for a 35-year-old with full coverage. Among EVs, the Lucid Air ($521/month) and Rivian R1T ($487/month) top the list due to extreme repair costs. Among luxury SUVs, the Mercedes GLE and Range Rover exceed $250/month. These figures are for a 35-year-old with a clean record; for a new driver, multiply by approximately 3x.