Vehicle guides
Car insurance by vehicle
Insurance for a given vehicle is a function of six things: vehicle actual cash value (what the carrier would pay in a total loss), parts and labor cost, repair complexity (ADAS calibration, EV battery handling, OEM-only part availability), segment-level loss and theft data, and whatever safety technology the vehicle carries. Together these determine how much a carrier expects to pay out on your vehicle over the policy term, which drives the premium. The guides linked below explain how those drivers show up on quotes for specific makes and models.
How a vehicle shapes your premium
Carriers price physical-damage coverage (collision and comprehensive) directly off vehicle characteristics, and price liability indirectly off vehicle class. The six drivers below are the ones you can read on your own quote.
| Driver | What it moves | Where it shows up |
|---|---|---|
| Actual cash value (ACV) | Caps the maximum collision and comprehensive payout (ACV minus deductible). | Collision and comprehensive premium scales with vehicle value. |
| Parts and labor cost | Average repair bill per claim. Luxury parts and authorized-service-center labor rates are materially higher. | Collision premium especially; higher-cost repair = higher base rate. |
| Repair complexity | ADAS recalibration after a bumper repair, EV high-voltage handling, aluminum body-panel welding requirements. | Rates for vehicles with heavy ADAS content (Tesla, many modern Hondas, Subarus) run above the mainstream baseline. See the Tesla guide for the ADAS detail. |
| Theft and loss frequency | How often the HLDI loss database shows this model being stolen or involved in a comprehensive claim. HLDI is the primary industry source. | Comprehensive premium especially. High-theft models (certain Honda, Hyundai, Kia years) carry theft surcharges in specific states. |
| Safety technology | IIHS Top Safety Pick status and NHTSA crash ratings. Advanced safety features generally lower both injury severity and loss costs. | Safety-rating-based discounts and lower injury severity on the liability side. |
| OEM insurance option | Some manufacturers (Tesla, Rivian, Toyota, Ford) operate their own direct insurance product in some states, priced off telematics or OEM claim data. | Alternative quote path alongside standard carriers. Availability varies by state. |
For dollar figures, see car insurance cost. For state-level cost variation independent of vehicle, see our state guides. If you’re a teen or senior driver choosing a vehicle to lower your rate, see best car insurance for teens and best for seniors.
Vehicle guides
Tesla
Why Tesla insurance costs more than a comparable gas sedan: parts and labor, ADAS recalibration, HLDI loss data by model, Tesla Insurance program availability, and Safety Score (and the California exception).
Honda
Honda insurance behaves as mainstream-segment pricing with one visible overlay: Accord and Civic appear in the NICB 2025 top 10 most-stolen vehicles, which loads comprehensive premium in high-theft ZIPs. Links to the Civic model deep-dive.
Honda Civic
Civic insurance: NICB 2025 top-10 theft rank (#5), IIHS 2024-cycle Top Safety Pick (Sedan TSP+, Hatchback TSP), and the LX / Sport / EX / Touring vs Si / Type R trim-ladder cost difference per HLDI reporting.
Honda CR-V
CR-V insurance: mainstream compact-SUV segment per HLDI, IIHS 2024 Top Safety Pick, Honda Sensing standard across the LX / EX / EX-L and Sport / Sport-L / Sport Touring Hybrid trim ladder, and no NICB top-10 theft overlay (unlike Civic and Accord).
Toyota
Toyota insurance is mainstream pricing with a large hybrid share. TSS 3.0 is standard across current trims; Camry and Sienna are hybrid-only; Prime plug-in hybrids carry higher collision and comprehensive premium than their standard-hybrid counterparts.
Toyota RAV4
RAV4 insurance: HLDI 2022–24 theft indices below the all-vehicle average across gasoline, Hybrid, and AWD variants; IIHS 2024 Top Safety Pick with Marginal on updated moderate-overlap front; Prime plug-in hybrid is the highest-cost RAV4 variant to insure.
Ford
Ford insurance picture is segment-first. Lineup spans F-150 (highest-severity passenger-vehicle segment per HLDI), Mustang, Mach-E, Bronco, Explorer, Escape, Maverick, and heavy-duty Super Duty. Links to the F-150 model deep-dive.
Ford F-150
F-150 insurance: pickup segment carries HLDI’s highest claim frequency (0.91) and severity ($66,984). HLDI 2022–24 F-150 injury/collision/theft indices (2WD 65/66/105 vs 4x4 55/69/83); Lightning EV crew cab theft index ~41. IIHS 2024 TSP overall but Poor on updated moderate-overlap.
Tesla Model 3
Model 3 insurance: HLDI loss indices, 2024 Highland refresh, IIHS Top Safety Pick status, Autopilot standard vs optional FSD positioning, and Tesla Insurance program availability including the California Prop 103 real-time telematics restriction.
Tesla Model Y
Model Y insurance: HLDI small/mid-size SUV segment classification, 2024 Juniper refresh, IIHS Top Safety Pick status on the 4-door SUV, panoramic glass roof comprehensive consideration, trim ladder from Long Range AWD to Performance, and Tesla Insurance program availability including the California Prop 103 real-time telematics restriction.
Toyota Camry
Camry insurance: 2025 is hybrid-only across LE, SE, XSE, and XLE; TSS 3.0 standard; HLDI mainstream-segment loss indices; IIHS Top Safety Pick status; AWD hybrid is the top collision/comprehensive premium among current Camry trims.
Toyota Highlander
Highlander insurance: three-row mid-size SUV segment with higher collision severity and property-damage liability than compact SUVs; TSS 3.0 standard on current trims; Hybrid trims are a modest step above gasoline on collision and comprehensive premium; Grand Highlander is a separate, larger model.
Kia
Kia insurance picture is dominated by the 2015–2019 mechanical-key theft epidemic (no engine immobilizer, HLDI/NICB documented). The Feb 2023 software update, the 2024 class-action settlement, and the current EV lineup (EV6, EV9 Top Safety Pick wins) are the reset.
Hyundai
Hyundai insurance picture mirrors Kia: 2015–2019 mechanical-key models (Elantra, Sonata, Tucson, Santa Fe) carry the theft loading; software update rolled out from late 2022; current lineup (Palisade, Ioniq 5/6, Santa Cruz) carries IIHS Top Safety Pick status.
Subaru
Subaru insurance: EyeSight camera-based driver-assist standard on current lineup, Symmetrical AWD standard on most models, and a lineup of IIHS Top Safety Pick / Pick+ winners (Outback, Forester, Ascent). WRX is the one trim rated hot for collision losses.
Subaru Outback
Outback insurance: IIHS 2024 Top Safety Pick 4-door SUV, camera-based EyeSight standard, Symmetrical AWD standard. Trim ladder from Base to Wilderness; Wilderness off-road modifications need Custom Parts and Equipment coverage.
Jeep
Jeep insurance by model: Wrangler carries distinctive theft/vandalism exposure (removable doors and soft top per HLDI). Grand Cherokee is mid-pack to high on collision claim frequency. 4xe plug-in hybrid variants carry higher collision and comprehensive premium than their gas counterparts.
Jeep Wrangler
Wrangler insurance: removable doors, roof panels, and soft top drive distinctive comprehensive exposure per HLDI; 4xe plug-in hybrid tracked separately; aftermarket mods need Custom Parts and Equipment; IIHS 2024 ratings and the Sport to Rubicon 4xe trim ladder.
Chevrolet
Chevrolet insurance is segment-first across one of the broadest U.S. lineups: Silverado 1500 (full-size pickup; verify current NICB rank), Tahoe and Suburban (full-size SUV), Trax through Traverse (crossover and three-row SUV), Corvette (sports car), and a current EV family (Blazer EV, Equinox EV, Silverado EV). OnStar is standard-equipment telematics across the lineup.
Chevrolet Silverado
Silverado insurance: full-size pickup segment context (HLDI’s highest-severity passenger-vehicle class), current 1500 trim ladder, Silverado EV as a separate HLDI entity, Silverado HD rated separately, Super Cruise on specific trims, OnStar standard.
What vehicle guides cover
Each vehicle guide covers five things: why premiums for this make differ from a comparable mainstream segment; how model and trim change the quote; segment-level HLDI loss data where available; whether the manufacturer offers its own insurance product; and the specific trade-offs an owner should compare. For dollar figures and national averages, see our cost guide. For carrier-level reviews of manufacturer insurance programs, see our provider reviews.
Electric vehicles
Why EVs tend to carry higher premiums: battery pack replacement, ADAS recalibration, and segment-level repair cost. Tesla, Rivian, Lucid, and the mainstream EV lineup from legacy makes.
Mainstream sedans and crossovers
Honda, Toyota, Hyundai, Kia, Ford, and Chevy's volume lineups. The reference segment for most insurance benchmarks and the baseline against which other vehicle categories get priced.
Trucks and SUVs
Full-size pickups and three-row SUVs. Higher property-damage liability profiles because of mass and sticker, offset by generally lower collision frequency per vehicle-mile.
Performance and luxury
Premium brands, performance variants, and specialty vehicles. Insurance anchors to the luxury-vehicle cost structure (ACV, parts, labor) rather than mainstream mid-size pricing.