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 models, so you can make an educated decision on your next auto insurance policy.

Sedan auto insurance guide — table of contents:

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

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 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

Honda Accord

Ford Fusion

Hyundai Sonata

Honda Civic

Toyota Camry

Toyota Corolla

Nissan Altima

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 AT-FAULT INSURANCE CLAIM

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.

Additional information

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

• Best cheap car insurance companies
• What actually goes into your car insurance policy
• Car insurance for six months
• Car insurance for multiple vehicles
• Car insurance for young drivers
• Cheapest cars to insure

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.