Car Insurance for Sedans

Compare insurance rates for popular sedans and find cheap insurance for your new car.

Cheap car insurance for sedans


When someone says "car," you most likely picture a sedan. Sedans are straightforward and efficient 'A to B' vehicles that do exactly what you need — nothing more, nothing less. In terms of cost of ownership and insurance, sedans are often less expensive than SUVs and luxury cars. Let’s look at insurance rates for popular models, so you can make an educated sedan shopping decision.


Car insurance for sedans:
  1. Cheapest car insurance rates for sedans by company
  2. How to save on car insurance
  3. Additional resources




Cheap car insurance for sedans — by company


Although sedans tend to cost less to insure than do trucks and hybrids, you might overpay if your driving record and profile don't fit your current company's policies. It’s important to consider multiple companies when shopping for car insurance. Find the make and model of your prospective new sedan below to see which companies are the cheapest.





Chevrolet Cruze


An American-built car, the Chevy Cruze is not only the cheapest of popular sedans to buy, but also to insure. With a list price of $16,975 and an average annual premium of $1,372, the Chevy Cruze is more than $3,000 cheaper to buy — and nearly $100 cheaper to insure — than the sedan group average. If you’re considering a Chevrolet Cruze, start your search for car insurance with Farmers and Allstate.

Chevrolet Cruze average insurance rates

Company Premium
Allstate $1,540
Geico $1,448
Farmers $1,336
Liberty Mutual $1,467
Nationwide $1,357
Progressive $1,448
State Farm $1,611
USAA $1,543



Honda Accord


The Honda Accord is moderately priced, compared to similar sedans. Although the Accord costs $2,000 less than the group average to purchase, it’s only $32 cheaper per year to insure. This vehicle will set you back $18,640 initially and an average of $710 per standard 6-month insurance policy. Farmers and Allstate are the cheapest options to insure a Honda Accord.

Honda Accord insurance rates

Company Premium
Allstate $1,586
Geico $1,502
Farmers $1,392
Liberty Mutual $1,506
Nationwide $1,396
Progressive $1,496
State Farm $1,688
USAA $1,601



Ford Fusion


After the Toyota Camry, the Ford Fusion is the most expensive sedan to buy. With a list price of $22,750, the Fusion costs $2,416 more to buy than the group average of our selected sedans. But in terms of insurance, it’s near the middle of the pack. On average, a Ford Fusion will set you back $1,444 each year to insure. But by selecting Farmers, you can cut this average by $116 annually.

Annual Ford Fusion auto insurance costs

Company Premium
Allstate $1,490
Geico $1,414
Farmers $1,288
Liberty Mutual $1,420
Nationwide $1,307
Progressive $1,403
State Farm $1,569
USAA $1,505



Hyundai Sonata


Although the cost of insuring a Hyundai Sonata is only a dollar different from the sedan group average, the Sonata's MSRP is approximately $1,200 higher than the group average. If you’re set on a Sonata and want to keep your overall cost of ownership as low as possible, consider Farmers, Nationwide, or Allstate.

Hyundai Sonata insurance premiums

Company Premium
Allstate $1,594
Geico $1,515
Farmers $1,394
Liberty Mutual $1,534
Nationwide $1,383
Progressive $1,501
State Farm $1,658
USAA $1,626


Honda Civic


Another popular Honda model, a Honda Civic carries a lower-than-average list price but relatively costly insurance premiums. Listed at $18,640 to own, a Civic will set you back an average of $731 for a standard six-month policy, or about $122 per month. The lowest-cost insurance companies for a Honda Civic are Farmers and Allstate.

Annual Honda Civic insurance rates

Company Premium
Allstate $1,589
Geico $1,496
Farmers $1,408
Liberty Mutual $1,505
Nationwide $1,396
Progressive $1,489
State Farm $1,658
USAA $1,584


Toyota Camry


One of the most popular sedans on the market, the Toyota Camry has the most expensive list value and the second-highest average annual insurance premiums. Compared to the cheapest sedan, the Chevrolet Cruze, the Camry is $6,000 more expensive to buy and more than $100 more per year to insure. Reduce this insurance premium by choosing Allstate and Farmers, the cheapest options for Toyota Camry insurance.

Annual Toyota Camry insurance costs

Company Premium
Allstate $1,737
Geico $1,719
Farmers $1,529
Liberty Mutual $1,570
Nationwide $1,673
Progressive $1,673
State Farm $1,810/td>
USAA $1,767


Toyota Corolla


The Toyota Corolla is usually advertised as a more affordable alternative to the Camry, which holds true in all but the cost to insure. The Corolla carries a list price of $18,500 — $4,500 cheaper than the Corolla — but runs $8 more to insure each year. You can reduce this difference to $7 by selecting Farmers.

Annual Toyota Corolla insurance rates

Company Premium
Allstate $1,439
Geico $1,370
Farmers $1,226
Liberty Mutual $1,382
Nationwide $1,289
Progressive $1,364
State Farm $1,513
USAA $1,474


Nissan Altima


The Nissan Altima is among the pricier sedans to purchase and insure. With a list value of $22,500 and an average annual premium of $1,504, this vehicle costs more than $2,000 more to buy and $50 more to insure each year than the group average. If you’re looking to acquire an Altima, consider Farmers.

Annual Nissan Altima insurance premiums

Company Premium
Allstate $1,827
Geico $1,785
Farmers $1,662
Liberty Mutual $1,805
Nationwide $1,620
Progressive $1,736
State Farm $1,915
USAA $1,835

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How else can you save?


While the overall cost of owning a sedan might be cheaper than a truck or sports car, saving money is always a smart idea. Let’s break down some simple and easy steps that could save you a lot of money on car insurance.


Be smart with your claims

Although insurance is designed to keep your sedan looking new, you should try to file claims as infrequently as possible if you're trying to save money. Unless you have accident forgiveness built into your policy, any at-fault accident on your insurance will be listed as a chargeable claim for three years. A chargeable claim is a factor your insurance company will use in determining your premium. The amount you’ll be charged will be dependent on the incident, your state, and your insurance company. Across the US, chargeable claims led to an average increase of 48% over three years. See below the impact of a claim on your premium.


Average Rate Increase after at At-Fault Claim

Increase at 6 months Increase at 12 months Increase at 3 Years
+$291 +$582 +$1,746

If you're considering a claim, follow the guidance below before contacting your insurance company.

  • Get an estimate for the repairs at a local repair shop
  • Use our State of Insurance analysis to see how much an at-fault accident could raise your rates. You should consider this amount for a three-year period, as that’s how long most companies will charge you.
  • Compare the rate increase plus your deductible to the out-of-pocket value. Elect whichever option is less expensive.

If you’re the at-fault driver in an accident, you are essentially at the mercy of the other party. If the other driver does not want to be paid out of pocket for the damage, which is common, you'll need to involve insurance companies. Moreover, when we saying claims we’re primarily talking using your collision coverage. Comprehensive or uninsured property damage claims are typically rated on your premium as not-at-fault accidents. They will typically raise your premium by 1-2% per year.


Double check for discounts

While most discounts like the ones we’ll mention are quite small, they can add up to cut your car insurance bill. So, when looking for ways to save on your sedan, consider the following discounts:

  • Multi-policy discount
  • Good driver discount
  • Paperless discount
  • Payment by bank account
  • Paid in full discount (paying your premium in one payment)
  • Multi-vehicle discount
  • Telematics


Shop around

While we’ve shown you some estimated car insurance rates for sedans, you'll need to get personalized quotes to find out exactly how much insurance will cost. Consider our rates as a starting point. Farmers and Nationwide won't always be the cheapest companies. The best way to make sure you’re getting the cheapest rate for you is to assess as many companies as possible. Enter your zip code below to see the best rate for your vehicle.






Additional information


Didn't get the answers you were looking for? See our additional articles for more ways to save on car insurance.





Method to Our Madness: how we do it


Between September and December 2017, The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.

Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales according to Goodcarbadcar.net’s automakers’ data.

Finally, some rate data may vary slightly throughout report based on rounding.

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