Car Insurance Rates by Car Make, Model, and Body Type (2025)

Make and model car insurance rates by driver profile

Your credit history and driving record also significantly affect the cost of your auto insurance policy. Drivers with a history of violations like speeding tickets, at-fault accidents, and DUIs usually pay the highest car insurance rates. Drivers with a clean record often pay lower rates and sometimes qualify for safe driver discounts. Similarly, drivers with good credit tend to earn lower rates than drivers with bad credit.

Every car insurance company will review your driving record when you apply for a policy, so you might not actually save money even if you drive a car that typically receives cheaper insurance rates. Conversely, maintaining a clean record could help you get a lower-than-average rate if your vehicle type typically requires higher average premiums.

By driver credit history

In most states, insurers use credit history as a rating factor when calculating car insurance premiums.^[4] Drivers with good credit usually pay lower rates than drivers with bad credit.

Regardless of the make and model of your vehicle, you can expect to have a more expensive insurance premium if you have a poor credit score. But some car models have cheaper average premiums than others, even for drivers with bad credit.

Recent Insurify data shows that a driver with bad credit pays $397 per month on average to insure a Toyota Camry, whereas the average rate for a Honda Civic is $429. You can see average monthly insurance quotes by car and different credit tiers in the table below.

With a speeding ticket

Getting a speeding ticket may affect your car insurance rate. Depending on the type of vehicle you have, even one speeding ticket could increase your premium quite a bit. Your rate might increase more if you have a sports car rather than a hatchback.

In the following table, you can see the average monthly insurance quotes for liability and full-coverage insurance by car model for drivers with a speeding ticket.

With a DUI

Compared to other traffic violations, driving under the influence (DUI) convictions often have the biggest effect on your car insurance rate, regardless of the type of car you drive. Some car insurance companies won’t even renew your policy if you get convicted of a DUI.

However, your vehicle make and model could affect your car insurance premium after a DUI. For example, Insurify average rate data shows a Honda Accord costs $597 per month to insure after a DUI, whereas a Nissan Altima costs $681 to insure after a DUI.

Here are some average monthly insurance quotes for different vehicle types for drivers with a DUI on their record.

With an accident

If you have an accident, you can expect your insurance rate to go up. At-fault accidents usually have a bigger effect on premiums than accidents caused by another driver, but any crash may increase your rate.

Larger vehicles, like SUVs, generally sustain less damage in an accident.^[5] Cars with crash-avoidance technology like automatic braking can also be safer in a collision. Therefore, you might see a smaller rate increase after an accident if your vehicle has these features.

Below, you can see the average monthly insurance rates by car after an accident.