Best Car Insurance for Sedans

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 among the least expensive cars to insure, with cheaper average rates than those of SUVs and luxury cars.

Let’s look at insurance rates for popular sedans, so you can make an educated decision on car insurance quotes.

 

Sedan auto insurance guide — table of contents:

1. Cheapest car insurance rates for sedans
2. How to save on car insurance

 

---

 

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

• Chevrolet Cruze
• Honda Accord
• Ford Fusion
• Hyundai Sonata
• Honda Civic
• Toyota Camry
• Toyota Corolla
• Nissan Altima

 

 

Chevrolet Cruze

An American-built car, the Chevy Cruze is not only affordable to buy, but also to insure. With a list price of $18,870 and an average monthly insurance cost of $137, the Chevy Cruze is among the cheapest sedans on the market. If you’re considering a Chevrolet Cruze, start your search for car insurance with Nationwide.

AVERAGE MONTHLY INSURANCE RATES — CHEVROLET CRUZE

Insurance Company	Insurance Rate
Nationwide	$106
Allstate	$112
Erie	$116
American Family	$130
Farmers	$143
Auto-Owners	$144
AAA	$149
GEICO	$152

 

Honda Accord

The Honda Accord is more expensive than some sedans, at $24,970 initially with a monthly average insurance outlay of $141. If you don't qualify for Nationwide and Allstate are the cheapest options to insure a Honda Accord.

AVERAGE MONTHLY INSURANCE RATES — HONDA ACCORD

Insurance Company	Insurance Rate
Nationwide	$110
Allstate	$116
Erie	$120
American Family	$130
Farmers	$148
Auto-Owners	$152
GEICO	$153
AAA	$161

 

Ford Fusion

The Ford Fusion costs an average of $23,170. In terms of insurance, it’s near the middle of the pack. On average, this midsize car will set you back $156 per month to insure. But by selecting Nationwide for auto insurance, you might be able to reduce your insurance costs by nearly $40 per month. 

MONTHLY INSURANCE RATES — FORD FUSION

Insurance Company	Monthly Rate
Nationwide	$118
Allstate	$128
Erie	$134
American Family	$145
AAA	$145
Farmers	$165
Auto-Owners	$171
GEICO	$173

 

 

Hyundai Sonata

Although the cost of insuring a Hyundai Sonata is only $151 per month, the Sonata's MSRP is a bit higher than average, at nearly $24,000. If you have your heart set on a Sonata and want to keep your overall cost of ownership as low as possible, consider Nationwide.

AVERAGE INSURANCE PREMIUMS — HYUNDAI SONATA

Insurance Company	Monthly Rate
Nationwide	$116
Allstate	$123
Erie	$132
American Family	$143
Farmers	$155
Auto-Owners	$164
GEICO	$167
AAA	$168

 

Honda Civic

Another popular Honda model, the Civic carries a lower-than-average list price but relatively costly insurance premiums. Listed at $21,250, a Civic will set you back an average of $143 per month for insurance. The lowest-cost insurance company for a driver with a Honda Civic is Nationwide.

MONTHLY INSURANCE COSTS — HONDA CIVIC

Insurance Company	Monthly Rate
Nationwide	$106
Allstate	$120
Erie	$123
American Family	$134
Farmers	$142
Auto-Owners	$149
GEICO	$157
AAA	$160

 

Toyota Camry

One of the most popular sedans on the market, the Toyota Camry has a moderate list price ($24,970) and slightly lower-than-average annual insurance premiums ($144/month). The best way to find affordable insurance for a Camry is to look into a policy from Nationwide.

MONTHLY INSURANCE RATES  — TOYOTA CAMRY

Insurance Company	Monthly Rate
Nationwide	$112
Allstate	$118
Erie	$123
American Family	$136
Farmers	$148
Auto-Owners	$158
GEICO	$158
AAA	$158

 

 

Toyota Corolla

The Toyota Corolla is sometimes advertised as a more affordable alternative to the Camry. The Corolla carries a list price of $20,025 — substantially cheaper than the Camry — and costs about $1 less per month to insure. You can save the most money on insurance for your Corolla by choosing Nationwide.

MONTHLY INSURANCE RATES — TOYOTA COROLLA

Insurance Company	Monthly Cost
Nationwide	$112
Allstate	$115
Erie	$122
American Family	$136
Farmers	$145
GEICO	$156
AAA	$152
Auto-Owners	$157

 

 

 

Nissan Altima

The Nissan Altima is among the pricier sedans to purchase and insure, with a MSRP of $24,300 and an average monthly insurance premium of $152. If you’re looking to acquire and insure an Altima, consider Nationwide for an affordable policy.

INSURANCE PREMIUMS — NISSAN ALTIMA

Insurance Company	Monthly Rate
Nationwide	$118
Allstate	$123
Erie	$131
American Family	$143
Farmers	$156
AAA	$160
Auto-Owners	$167
GEICO	$168

---

 

How to save on auto insurance

 

While you're already saving by owning a sedan instead of a truck or sports car, there are additional 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 AT-FAULT INSURANCE CLAIM

Increase at 6 months	Increase at 12 months	Increase 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:

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

Learn more about popular car insurance discounts.

Compare car insurance premiums

While we’ve shown you some estimated car insurance rates for sedans, you'll need to get personalized quotes to find your personal cost of insurance. 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.