Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 15, 2020

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Key takeaways...

  • The average car insurance premium for any of the top 10 cars in 2009 was $1,350.06
  • Although, several factors determine what your car insurance rate would be
  • The type of car especially makes a difference in how much you pay for your premium
  • Either way, do your research when comparison shopping for auto insurance; it’s not just about the price

Every year, a wealth of data is published for the automotive industry by consumer groups, industry rating agencies, car insurance companies, and even outsiders who simply specialize in data collection.

Some of the most viewed reports are always:

Browse through our automotive report section to view results from a wide range of providers and then start your car insurance comparison search online.

If you’re in the market though for better and more affordable car insurance, enter your ZIP code above and compare at least three to four policies today!

Table of Contents

My car insurance rates are higher than these?

Car insurance companies use numerous variables to determine individual auto insurance premiums. So any kind of report showing a national average should be viewed only as a reference and not indicative of personal rates.

In order to arrive at any kind of national average, you have to use certain assumptions which can be vastly different than your unique profile.

For example, in this particular report, Insure.com used premium information based on this profile:

  • Single, male driver
  • 40 years old
  • Who commutes 12 miles to work
  • Has a good driving record and credit score

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Policy coverage was higher than all state minimum requirements using a 100/300/50 scale and uninsured motorist coverage which is optional in most states.

Additionally, the data was pulled from only 10 zip codes within a state and taken from only six main car insurance companies:

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Are you confused yet?

Statistics is a big business, and one can manipulate almost any set of data to arrive at some sort of published data for a benchmark.

Although, in terms of sampling average premiums, Insure.com did a really good job with this report. Fortunately, this particular data can also help guide in the purchase of a vehicle.

For example, in the Insure.com report, car insurance for a Ford F-Series pickup is almost 20 percent higher than a Toyota Camry using the exact same driver profile.

We could make a case where it’s a safe assumption that, given two applications with identical data, car insurance will always be higher for an F-Series pickup than a Camry.

This difference is why car insurance data is important – even data published for one reason can often be abstracted to provide guidance for another reason.

How to Find the Best Car Insurance Rates

Car insurance comparison will be your biggest advantage in the hunt for the best car insurance rates. Always take the time to compare multiple providers and never compare solely based on premiums.

Understand the details of coverage such as:

  • Policy limits
  • Types of coverage
  • Deductibles

Ultimately, any comparison you make between auto insurance companies is really like comparing apples to apples.

Looking for better and more affordable car insurance? Enter your ZIP code below and start comparison shopping today!

References:

  1. https://jalopnik.com/5280414/20-most-expensive-cars-to-insure-for-2009/
  2. https://www.autoblog.com/2010/01/06/top-20-best-selling-vehicles-of-2009/
  3. http://www.iihs.org/iihs/ratings/TSP-List/2009
  4. https://www.allstate.com/
  5. https://www.progressive.com/
  6. https://www.farmers.com/
  7. https://wallethub.com/edu/types-of-car-insurance/9636/
  8. https://www.thebalance.com/how-to-choose-your-auto-insurance-deductible-527483