Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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: Sep 19, 2020

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Here's what you need to know...

  • Many factors can impact your monthly car insurance premium
  • Bad credit and a poor driving history classify you as a high-risk driver
  • The type of car you drive also affects how much you pay for car insurance

When it comes to looking for car insurance, insurance companies want to know which type of car you are driving, how many miles you drive, and how long you’ve had the vehicle.

The details that you put in for this will have a direct effect on your car insurance quote. Some models are more expensive to insure than others and this is something that you should consider when it comes to buying a new vehicle.

Use our FREE online comparison tool to find affordable car insurance quotes! Enter your zip code above to get started!

Factors that Make the Car More Expensive

Generally speaking, a family-friendly car is the least expensive when it comes to car insurance. This is because of the use of the vehicle. It is designed to be family-friendly.

The vehicle will not go above certain speeds that other makes and models will go over and the engine rating is much lower. These family cars are also usually much safer.

Another factor is where the vehicle was made. Imports are generally more expensive when it comes to car insurance.

Left-hand drive cars will be more expensive than right-hand drive cars since you will be sitting on the opposite side of the vehicle and this makes it harder for changing lanes and turning corners.

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Brands that are the Most Expensive

Some makes of cars are generally more expensive than others. This is due to a number of factors but the ones listed above are the main ones.

The European brands are more expensive than the Japanese and American models, so if you are looking at a BMW, Aston Martin or even a Mercedes, expect to pay more in your insurance.

According to Forbes, a BMW 750i is a whopping $3,280.70 per year to insure.

Meanwhile, the Mercedes SL65 AMG is more at $3,543.81 to insure on average each year.

That is a lot, especially when you compare the models to Toyota Sienna, which is about $1,100.66 per annum for the auto insurance.

All of these prices are for the same 40-year-old male driver, who has a clean record and a good credit history. For those who are considered to be a high-risk driver, the insurance premiums will jump up considerably.

Think Twice About a Car

Before you look at buying a new car, it is generally worth looking into the insurance premiums for the model that you are buying.

Price comparison websites will allow you to put the details on their websites to give you a rough idea of the amount that you will pay for your auto insurance.

This is a great way to determine whether you can afford that insurance or you need to look elsewhere.

The age of the vehicle will also have an effect on the cost of the insurance.

The age has an effect on how reliable the car is — how much likely something will break which will cause an accident. This is something that insurance companies will look into carefully.

Of course, newer cars are also extremely expensive to insure because they are so new.  The value of the car is high so the companies will need to pay more if it is totaled.

There is a middle ground; if you can find a car that is between five and ten years old, you will likely get the insurance at a lower rate due to the vehicle not being worth as much as it was five or ten years ago but still being reliable to drive.

The State Matters

Some states will charge more for insurance than others. Many people believe that the more popular and busier states, like New York, will have the higher insurance rates.

However, something that you need to consider is the amount that people drive in these busy states — the public transport is reliable and many people will choose to use that unless they need their car.

Oklahoma, Michigan, and Louisiana have the highest rates when it comes to insurance state by state. See which seven other states made the top 10 most expensive states for car insurance list.

The amount of money that is offered when there is a collision is much higher than any of the other states — both for personal injury compensation and medical bills.

Because the payments are higher, the insurance companies cover themselves by charging more insurance.

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Not Just the Car Model

While car models are something that you need to look into, it is not just this factor that will affect the cost of the insurance.

Those with a bad credit rating, bad driving record or those who are considered to be high-risk drivers are more likely to find that their insurance is high, even if they are driving the more affordable cars when it comes to insurance.

Unfortunately, this is something that you cannot change but you may find that it will only cost an extra $200 per year to insure a more luxury car as a young or inexperienced driver, so it may make it worth having that type of car for a short time.

Find the right policy today! Enter your zip code below and start comparing car insurance quotes for FREE!


  1. https://www.businessinsider.com/best-cars-for-families-edmunds-2017-6
  2. https://www.bmw.com/en/index.html
  3. https://www.geico.com/
  4. https://www.thebalance.com/non-standard-car-insurance-for-high-risk-drivers-4156677