Car Insurance for Sedans

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

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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. 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.

Sedan insurance guide:
  1. Cheapest car insurance rates for sedans
  2. How to save on car insurance
  3. Additional resources

 


 

Cheap insurance for sedans — compare models and companies

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. Keep in mind these rates are based on the driver profile indicated in our methodology — which is likely different from your driver profile — so these rates should be used as a jumping-off point in your search for car insurance.

 

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Chevrolet Cruze

An American-built car, the Chevy Cruze is not only affordable to buy, but also to insure. With a list price of $17,995 and an average annual insurance premium of $1,535, the Chevy Cruze is more than $3,000 cheaper to buy than the average sedan. If you’re considering a Chevrolet Cruze, start your search for car insurance with USAA and Progressive.

AVERAGE INSURANCE RATES — CHEVROLET CRUZE
CompanyPremium
Allstate$1,880
GEICO$1,505
Farmers$2,101
Liberty Mutual$1,663
Nationwide$1,372
Progressive$1,305
State Farm$1,434
USAA$1,024

 

 

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Honda Accord

The Honda Accord is higher priced compared to similar sedans, costing over $3,000 more than the average sedan. This vehicle will set you back $23,870 initially and an average of $719 per standard six-month insurance policy. If you don't qualify for USAA, Nationwide and State Farm are the cheapest options to insure a Honda Accord.

AVERAGE INSURANCE RATES — HONDA ACCORD
CompanyPremium
Allstate$1,919
GEICO$1,357
Farmers$1,646
Liberty Mutual$1,643
Nationwide$1,150
Progressive$1,447
State Farm$1,347
USAA$992

 

2018_Ford_Fusion.png

 

Ford Fusion

The Ford Fusion is one of the most expensive sedans to buy — with a list price of $23,170, the Fusion costs $2,836 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 $1,678 each year to insure. But by selecting USAA, you can cut this average by over $500 per year. Nationwide comes in second, with a monthly premium of about $122.

ANNUAL INSURANCE RATES — FORD FUSION
CompanyPremium
Allstate$2,271
GEICO$1,732
Farmers$1,930
Liberty Mutual$1,741
Nationwide$1,458
Progressive$1,514
State Farm$1,625
USAA$1,156

 

2018_Hyundai_Sonata.png

 

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 over $2,000 higher than the group average. If you have your heart set on a Sonata and want to keep your overall cost of ownership as low as possible, consider USAA, Nationwide, or State Farm.

AVERAGE INSURANCE PREMIUMS — HYUNDAI SONATA
CompanyPremium
Allstate$2,102
GEICO$1,550
Farmers$1,946
Liberty Mutual$1,638
Nationwide$1,445
Progressive$1,584
State Farm$1,484
USAA$1,064

 

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Honda Civic

Another popular Honda model, a Honda Civic carries a lower-than-average list price but relatively costly insurance premiums. Listed at $19,750 to own, a Civic will set you back an average of $823 for a standard six-month policy, or about $137 per month. The lowest-cost insurance companies for a Honda Civic are Nationwide and State Farm if you don't qualify for USAA.

ANNUAL INSURANCE COSTS — HONDA CIVIC
CompanyPremium
Allstate$2,101
GEICO$1,635
Farmers$2,118
Liberty Mutual$1,803
Nationwide$1,472
Progressive$1,507
State Farm$1,485
USAA$1,045

 

2017_Toyota_Camry.png

 

Toyota Camry

One of the most popular sedans on the market, the Toyota Camry has the most expensive list value and slightly lower-than-average annual insurance premiums. Compared to the cheapest sedan, the Chevrolet Cruze, the Camry is over $6,000 more expensive to buy but comparable in average annual premiums. Reduce this insurance premium by choosing USAA, Nationwide, or State Farm — the cheapest options for Toyota Camry insurance.

ANNUAL INSURANCE COSTS  — TOYOTA CAMRY
CompanyPremium
Allstate$2,049
GEICO$1,454
Farmers$1,761
Liberty Mutual$1,716
Nationwide$1,351
Progressive$1,586
State Farm$1,404
USAA$1,067

 

2017_Toyota_Corolla.png

 

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 $19,600 — over $4,500 cheaper than the Camry — but runs $15 more to insure each year. You can save the most money by choosing USAA or State Farm.

ANNUAL INSURANCE RATES — TOYOTA COROLLA
CompanyPremium
Allstate$2,087
GEICO$1,568
Farmers$1,805
Liberty Mutual$1,693
Nationwide$1,450
Progressive$1,486
State Farm$1,419
USAA$997

 

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Nissan Altima

The Nissan Altima is among the pricier sedans to purchase and insure. With a list value of $24,100 and an average annual premium of $1,577, this vehicle costs more than $3,500 more to buy but just $4 more to insure each year than an average sedan. If you’re looking to acquire an Altima, consider Nationwide or USAA.

ANNUAL PREMIUMS — NISSAN ALTIMA
CompanyPremium
Allstate$2,073
GEICO$1,537
Farmers$1,796
Liberty Mutual$1,713
Nationwide$1,440
Progressive$1,544
State Farm$1,479
USAA$1,036




 

How else can you save on car insurance?

 

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.

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 U.S., chargeable claims led to an average increase of 48% over three years. See below the see the impact of a claim on your premium.

 

Average Rate Increase after an At-Fault Claim

Increase at 6 monthsIncrease at 12 monthsIncrease at 3 Years
+$308.50+$617+$1,851

 

If you're considering filing 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 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're talking 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.

Double-check for discounts

While most discounts are quite small, they can add up and help reduce your car insurance bill. So, when looking for ways to save on your sedan, consider the following discounts:

Learn more about popular car insurance discounts.


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. State Farm, USAA, 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.

 

Find an insurance policy today!

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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

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.