Car Insurance Cost for a Sedan Per Month in 2026

The national average for a Sedan with full coverage is approximately $269 per month for a 35-year-old in 2026, per Insurify 2026 and MoneyGeek 2026 cross-referenced data. This represents approximately 1x the sedan baseline cost. The range across states is significant: a Sedan in Vermont costs roughly $161/month and in Nevada $430/month. Age also matters: a 17-year-old driving the same vehicle pays roughly 3x what a 35-year-old pays.

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.

Among Sedan models, Honda Accord ($195/mo) is consistently among the cheapest to insure. Toyota Camry ($191/mo) and Mazda 6 ($188/mo) round out the low-cost tier. Factors that make a Sedan cheap to insure: low theft rate on that specific model, high safety ratings from IIHS, widely available and inexpensive parts, and low claims frequency for that body style. Source: MoneyGeek 2026 by-model, Insure.com 2026.

BMW 5 Series ($215/mo) tops the most-expensive list in the Sedan category. Mercedes C-Class ($211/mo) and Audi A4 ($203/mo) are close behind. High-cost models share traits: elevated theft rates, expensive repair parts, high-performance or luxury positioning, and lower safety ratings on some trim levels. Source: Insure.com 2026 by-model.

The sedan is the baseline vehicle type in insurance pricing. SUVs are typically 21% cheaper than sedans. Trucks are about 5% more expensive. Sports cars are 55% more expensive. EVs are 30% more expensive. These are averages; model-level variation within each category is significant.