Most And Least Expensive Vehicles To Insure 2021 – Forbes Advisor – Forbes

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Updated: Jul 13, 2021, 12:41pm
Your vehicle plays a role in your car insurance rates, but how much? We looked at average auto insurance rates for more than 50 top-selling vehicles to find the most and least expensive for insurance.
The Honda CR-V, Jeep Wrangler Sport and Subaru Crosstrek are the least expensive cars to insure among popular 2021 vehicle models.
Honda CR-V LX
Jeep Wrangler JL Sport
Subaru Crosstrek
Subaru Forester 2.5I
Hyundai Tucson SE
Jeep Compass Latitude
Chevrolet Equinox L
Ford Escape S
Volkswagen Tiguan SE
Ford F-150 XL
Chevrolet Trax LS
Toyota Tacoma SR
Toyota RAV4 LE
Kia Sportage EX
Dodge Grand Caravan SE
Ford Edge SE
Mazda CX-5 Grand Touring
Chevrolet Traverse LS
Chevrolet Colorado
Ford Ranger Lariat
Toyota Highlander LE
Nissan Rogue S
Honda Pilot SE
GMC Canyon All Terrain
Subaru Outback 2.4I Limited XT

Jeep Cherokee Limited
Chevrolet Blazer 2LT
Chevrolet Silverado 1500 WT
Toyota Tundra SR
Volkswagen Jetta SE
Honda Civic EX
Toyota 4Runner Limited
GMC Sierra 1500
Ford Fusion SE
Chevrolet Malibu L
Chevrolet Tahoe LS
Chrysler Pacifica Limited
Toyota Camry LE
Hyundai Elantra SE
Toyota Corolla LE
Jeep Grand Cherokee Limited
Ford Explorer ST
Nissan Sentra S
Kia Forte EX
Kia Optima LX
Honda Accord EX-L

The Tesla Model S Performance is the most expensive car to insure among top-selling 2021 vehicle models.
Lexus NX 300h
Dodge Ram 1500 Rebel
Lexus RX 350
Nissan Altima 2.0 S
Tesla Model 3 Standard Plus
Volvo XC90 T8 Inscription
Lexus ES 300H
Tesla Model S Performance

What you pay for car insurance is partially based on the vehicle you’re insuring. This factors in claims that have been paid for similar models. For example, if your car insurance company has paid high liability auto insurance claims for your specific model for injuries to others, this can affect your car insurance rate.
High repair costs for a vehicle also make it more expensive to insure. For example, cars with advanced safety equipment like parking assist and lane departure warnings can increase repair costs because the equipment is more expensive to repair or replace.
If you buy collision and comprehensive insurance, past claims for similar models will also affect this portion of your bill. This includes the value of the vehicle. For example, if your car is totaled by a falling tree, you can make a comprehensive insurance claim. Your insurance company will pay the value of the vehicle at the time of the tree incident, minus your deductible. So expensive vehicles will have more expensive rates for collision and comprehensive insurance.
Related: Best car insurance companies
Your vehicle is just one element in the car insurance cost equation. Other factors can affect your car insurance rates more than the vehicle, such as your driving record and even credit. These are common factors in car insurance rates:
To find the cheapest vehicles to insure, we used rates from Quadrant Information Services, a provider of insurance data and analytics, and the top-selling 2021 vehicle models. Rates are based on a female driver with a clean record with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and comprehensive with a $500 deductible.
I’m the Insurance Analyst for Forbes Advisor. I’ve been writing about insurance for consumers for more than 20 years. Insurance intersects with many parts of our lives, yet it’s tough to untangle, and wrong choices can make a financial mess. I’m here to help you make sense of it. I’m especially interested in how data is affecting the price you pay for all insurance types.


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