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Compare insurance rates for popular sedans and find cheap insurance for your new car.
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. Sedans are often less expensive to insure than SUVs and luxury cars. Let’s look at insurance rates for popular models, so you can make an educated shopping decision.
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.
An American-built car, the Chevy Cruze is not only affordable to buy, but also to insure. With a list price of $16,975 and an average annual insurance premium of $1,372, the Chevy Cruze is more than $3,000 cheaper to buy — and nearly $100 cheaper to insure — than the average sedan. If you’re considering a Chevrolet Cruze, start your search for car insurance with Farmers and Allstate.
The Honda Accord is moderately priced, compared to similar sedans. Although the Accord costs $2,000 less than the average sedan 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 six-month insurance policy. Farmers and Allstate are the cheapest options to insure a Honda Accord.
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 an average sedan. 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 per year.
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.
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.
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.
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.
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 an average sedan. If you’re looking to acquire an Altima, consider Farmers.
While you're already saving by owning a sedan instead of a truck or sports car, there are even more ways to save. Let’s review some simple steps that could save you money on car insurance.
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|
If you're considering filing a claim, follow the guidance below before contacting your insurance company.
If you’re the at-fault driver in an accident, you are 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 to 2% per year.
While most discounts are quite small, they can add up and help to reduce your car insurance bill. So, when looking for ways to save on your sedan, consider the following discounts:
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.
Didn't get the answers you were looking for? See our additional articles for more ways to save on car insurance.
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.
The 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.
Some rate data may vary slightly throughout report based on rounding.