How Car Make and Model Affect Insurance

The make and model of a car significantly affect your auto insurance rates. Insurers consider various factors related to the car’s make and model when calculating insurance rates. For instance, the cost of repairs is a significant factor, as luxury and sports cars often require more expensive parts and labor to repair, leading to higher insurance rates.

Similarly, safety features are also crucial in determining insurance rates, with cars that have better safety ratings and more advanced safety features often receiving lower insurance rates. Additionally, the age, body style, and engine size of the car are also factors that insurers consider when determining insurance rates.

How Car Make and Model Affect Insurance

Therefore, it is crucial to consider these factors when choosing a car to minimize insurance costs. By selecting a car with a good safety rating, lower theft risk, and a smaller engine size, drivers can potentially save money on their car insurance premiums.

What is the Make and Model of a Car?

The make and model of a car are two important features that often get confused due to their similarity. The make of a car refers to the brand of the vehicle, such as Nissan, Ford, Jeep, or Toyota, while the model refers to the specific car model under that brand, like the Ford F-150 or Toyota Corolla. Identifying the make and model of a car is relatively straightforward, as they are usually displayed as badges, emblems, or decals on the vehicle’s rear exterior.

However, if these markings are not visible, the make and model can also be found on the car’s registration or owner’s manual. Additionally, more information about the car can be obtained by searching based on the vehicle identification number (VIN), which is typically located on the driver’s side dashboard. Therefore, finding the make and model of a car is a relatively simple process that can be accomplished through various means.

How Car Make and Model Affect Insurance Rates

The make and model of a car can significantly impact insurance rates, even for drivers with the same car and identical driving records. The following factors related to the vehicle also affect the cost of insurance:

Age of the vehicle:

Newer cars generally cost more to insure than older ones due to the higher replacement cost and potentially more complex features that can increase repair costs. However, classic or rare cars may cost more to insure than their newer counterparts.

Size of the vehicle:

Larger and heavier vehicles typically cost more to insure due to their potential to cause more damage in accidents. On the other hand, smaller cars generally pose less risk to other vehicles on the road, leading to less expensive premiums.

Trim level:

Cars with additional features like sunroofs, leather interiors, sound systems, Bluetooth, and internet connectivity can be more expensive to insure, especially when upgrading to luxury or sport trim levels. Base models with fewer features may be cheaper to insure.

Body style:

The car’s body style can also impact insurance rates. For example, sporty coupe body styles are typically more expensive to insure due to insurers associating them with riskier driving habits and a higher chance of accidents.

 Safety features:   

Cars with certain safety features, such as electronic stability control, anti-lock brakes, anti-theft systems, and curtain airbags, may qualify for lower insurance premiums due to their reduced risk of accidents and enhanced occupant protection.

Cost of repairs:

The cost of parts and repairs can differ depending on the make and model. Domestic vehicles generally have cheaper parts than foreign vehicles, while luxury vehicles are typically more expensive to fix and have more expensive parts than lower-end vehicles, leading to higher insurance costs. 

How to Get Quotes for your Make and Model

To obtain insurance quotes for your specific vehicle make and model, you can follow these steps online:

  • Navigate to the insurance provider’s website.
  • Look for the option to request a quote online.
  • Provide the necessary personal information, including your full name, date of birth, and driver’s license number, as well as the same details for any household drivers.
  • Input your vehicle information, such as the year, make, model, VIN, and mileage.
  • Select your desired coverage options.
  • Receive the quote.

By gathering quotes from multiple carriers, you can compare rates and find the most favorable insurance coverage for your vehicle’s make and model.


Do luxury cars always have higher insurance rates due to their make and model?

Luxury cars usually have higher insurance rates than standard vehicles. This is because luxury cars often have higher repair costs, advanced technology, and expensive parts. Also, luxury cars are more attractive to thieves, increasing the risk of theft and vandalism, and impacting insurance premiums.

How does the age of a vehicle affect car insurance costs based on its make and model?

How old a car is affects how much insurance costs. Newer cars often mean higher premiums because they’re worth more and repairs cost more. Older vehicles, while potentially cheaper to insure initially, may lack advanced safety features and have higher repair costs, which can influence insurance rates. Therefore, the age of a vehicle, along with its make and model, can impact insurance costs.

Can upgrading the trim level of a car affect insurance rates based on its make and model?

Changing the trim level of a car can affect how much you pay for insurance. Higher trim levels often come with additional features like advanced technology, luxury amenities, and more powerful engines, which can increase the cost of repairs and replacement parts.

As a result, cars with upgraded trim levels may have higher insurance premiums compared to base models. It’s essential to consider these factors when selecting a vehicle to ensure insurance costs align with your budget and needs.