Are safer cars cheaper to insure?

Asked by: Retha Metz  |  Last update: June 5, 2025
Score: 4.5/5 (60 votes)

Because of the other factors that go into calculating your insurance premium, buying a safer vehicle won't automatically result in cheaper insurance premiums. For instance, costs may not be lower if you're comparing the cost to a vehicle that's less expensive, stolen less often and has parts that are easier to replace.

What type of vehicle is the cheapest to insure?

On average, SUVs and trucks are the cheapest vehicles to insure compared to sedans, minivans and sports cars.

Can driving safe lower the cost of insurance?

Safe driving is one of the most important factors in determining your car insurance rate. If you take steps to drive safely, like following the speed limit and not texting while driving, you can significantly reduce your rates over time.

Are nicer cars more expensive to insure?

For example, an expensive car model usually has a higher insurance rate for comprehensive and collision coverage. Certain makes and models are also known to cause more damage than other vehicles. The more claims your make and model has and the more it costs to repair, on average, the higher your rate will be.

Do safer drivers often receive lower insurance rates?

This makes perfect sense – statistically, safe drivers are less likely to file claims, which translates to lower risk for the insurance company. By demonstrating safe driving habits, you're essentially proving yourself a lower risk and, in turn, qualify for a lower car insurance rate.

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40 related questions found

Is car insurance cheaper for safer cars?

Vehicles with higher safety ratings are often generally cheaper to insure because they statistically have fewer and less expensive claims. Insurers may also offer discounts to drivers with safer vehicles. Safety ratings don't always result in lower insurance rates, however.

How do I lower my car insurance?

If you're wondering how to get a lower car insurance rate, use these methods for lowering your premium:
  1. Qualify for insurance discounts. ...
  2. Increase your deductible. ...
  3. Reduce your coverage. ...
  4. Compare rates. ...
  5. Try usage-based insurance. ...
  6. Take a defensive driving course. ...
  7. Get a car that's cheaper to insure.

What color car is the most expensive to insure?

Color has no impact on your insurance price. At Progressive, we won't even ask about it. Custom paint jobs are another story—if you paint your vehicle, be sure to add optional coverage for “custom parts and equipment” to your auto policy.

Why is my Progressive bill so high?

If your car insurance goes up for seemingly no reason when you renew your policy, it's likely due to an increase in risk that's outside of your control. This could include reasons like increased claims in your area (due to more extreme weather damage, more accidents, etc.) and higher car repair and replacement costs.

What's the most expensive car to insure?

1. Maserati Quattroporte. The Maserati Quattroporte is a luxury sedan that typically costs over $2,500 per six-month policy period to insure, making this car the most expensive vehicle to purchase auto insurance for in 2021.

What age does car insurance go down?

Both male and female drivers see the biggest drop in average annual car insurance premiums between the ages of 18 and 19. This is because younger drivers are seen by most auto insurance companies as riskier to insure due to their overall inexperience behind the wheel.

Does credit score affect car insurance?

How credit-based insurance scores work. Most U.S. insurance companies use credit-based insurance scores along with your driving history, claims history and many other factors to establish eligibility for payment plans and to help determine insurance rates. Again, except in California, Hawaii, and Massachusetts.

What decreases the cost of any insurance?

Increase your deductible

Depending on your insurance provider, paying a higher deductible (the amount you pay out of pocket before your insurance coverage kicks in, in the event of an incident) is typically a quick and easy way you can decrease your auto insurance payments.

Is an old car cheaper to insure?

In general, auto insurance for older cars may be cheaper than insuring newer vehicles of the same make and model if the used car is cheaper to repair or replace. A car depreciates in value over time, which lowers the maximum amount an insurance company would have to pay in the event of an accident.

Who generally has the cheapest car insurance?

Geico, Nationwide and Travelers are among the least expensive for car insurance.

What SUV is the cheapest to insure?

What's the cheapest SUV to insure?
  • Honda CR-V.
  • Jeep Cherokee.
  • Ford Escape.
  • Chevrolet Equinox.
  • Jeep Wrangler.
  • Subaru Forester.
  • Toyota RAV4.
  • Nissan Rogue.

Is Geico cheaper than Progressive?

GEICO is cheaper and has better ratings than Progressive. Your experience with GEICO and Progressive will vary based on individual rating factors.

What is a good 6 month premium car insurance?

The average 6-month car insurance premium is $947 per year, but some insurers offer lower rates; Nationwide offers 6-month car insurance at $774.

Is State Farm cheaper than Progressive?

State Farm has cheaper home and car insurance quotes than Progressive. It also has higher customer satisfaction ratings. However, Progressive offers more discounts and coverage options, including gap insurance. Progressive is better for specialized car insurance coverage.

What car color is safest?

Overwhelmingly, white is considered the safest car color with the lowest risk of being struck.

What cars are cheapest to insure?

Here's the ranking of the cheapest vehicles to insure by average annual rate:
  • Subaru Outback: $1,603.
  • Honda CR-V: $1,635.
  • Honda Pilot: $1,726.
  • Ford Escape: $1,734.
  • Honda Odyssey: $1,735.
  • Ford F-150: $1,753.
  • Jeep Wrangler: $1,820.
  • GMC Sierra 1500: $1,867.

Does hitting a deer fall under collision coverage?

Your car insurance will cover a deer hitting your car if you have comprehensive coverage. This is an optional coverage that pays for damage to your car not related to a collision. Comprehensive coverage will not apply if you swerve to avoid a deer or other animal and hit another vehicle or stationary object.

At what point should you drop full coverage on your car?

Your vehicle holds a low value: As with collision, consider dropping comprehensive coverage if your vehicle's market value is lower than a few thousand dollars. Figure in your deductible as well and the potential insurance payout may not be worth the price of the coverage.

Can you negotiate insurance rates?

Although you can't haggle or set your own insurance premium, you can request quotes from any number of insurance providers. If you select the same coverage types and amounts, you'll have an easier time comparing your quotes to select the best policy for you.

Why did car insurance go up in 2024?

Premiums increased throughout 2023 and 2024 for several reasons, according to the Insurance Information Institute. Inflation: The cost of repairing and replacing vehicles — and paying medical and legal bills — has risen even faster than inflation, according to the Institute.