Buying a used car can be a great way to get a good deal on a vehicle, but it’s essential to factor in the car insurance cost before you make a purchase to stay within your budget.
You’ll need car insurance to buy a car. All states except New Hampshire require you to purchase car insurance — and even in New Hampshire, you’re financially liable for an accident. Keep reading to learn how much you’ll pay for car insurance on a used car.
Used car insurance calculator
Use our used car insurance calculator below to find average rates for more than 3,500 used car models from 2006 to 2020. Input your car year, make/model and state of residence to determine how much you can expect to pay for used car insurance.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps- Get car insurance quotes before buying a car so you know how much to budget monthly for insurance.
- Make sure you have car insurance before driving off the lot.
- If you finance your used car purchase, your lender will require you to purchase collision and comprehensive coverage.
How much does used car insurance cost?
Car insurance rates are personalized to each driver based on location, credit score and driving history. In addition, the year, make and model of your vehicle will determine how much you pay for used car insurance.
How much does full coverage car insurance cost for a used car?
The make, model and year of your vehicle greatly impact the cost of auto insurance for a used car. Typically, used cars with high-end finishes are more expensive to insure because they cost more to repair or replace.
To give you an idea of what you might pay for coverage, we’ve included a variety of used car insurance rates by car make and model in the table below. These rates reflect a full coverage policy with 100/300/50 in personal liability coverage and a $500 deductible for collision and comprehensive insurance.
Even if the specific car you’re considering isn’t listed, this data should give you a ballpark range for your rate based on the vehicle year, make and model.
| Model year | Make | Model | Avg. annual rate |
|---|---|---|---|
| 2014 | Ford | F-150 | $1,682 |
| 2014 | Chevrolet | Silverado | $1,829 |
| 2014 | Toyota | RAV4 | $1,664 |
| 2015 | Ford | F-150 | $1,811 |
| 2015 | Chevrolet | Silverado | $1,926 |
| 2015 | Toyota | RAV4 | $1,669 |
| 2016 | Ford | F-150 | $1,866 |
| 2016 | Chevrolet | Silverado | $2,012 |
| 2016 | Toyota | RAV4 | $1,751 |
| 2017 | Ford | F-150 | $1,928 |
| 2017 | Chevrolet | Silverado | $2,084 |
| 2017 | Toyota | RAV4 | $1,780 |
| 2018 | Ford | F-150 | $1,985 |
| 2018 | Chevrolet | Silverado | $2,144 |
| 2018 | Toyota | RAV4 | $1,855 |
| 2019 | Ford | F-150 | $2,067 |
| 2019 | Chevrolet | Silverado | $2,207 |
| 2019 | Toyota | RAV4 | $1,906 |
| 2020 | Ford | F-150 | $2,161 |
| 2020 | Chevrolet | Silverado | $2,270 |
| 2020 | Toyota | RAV4 | $1,945 |
| 2021 | Ford | F-150 | $2,217 |
| 2021 | Chevrolet | Silverado | $2,371 |
| 2021 | Toyota | RAV4 | $2,046 |
| 2022 | Ford | F-150 | $2,340 |
| 2022 | Chevrolet | Silverado | $2,437 |
| 2022 | Toyota | RAV4 | $2,087 |
| 2023 | Ford | F-150 | $2,511 |
| 2023 | Chevrolet | Silverado | $2,557 |
| 2023 | Toyota | RAV4 | $2,153 |
Cheapest car insurance companies for used car insurance
Insurance companies rate risk differently, which can result in dramatic differences in premium quotes, including for used vehicles. We looked at our data from vehicle model years 2014 to 2023 to find the cheapest insurance company for used vehicle coverage.
For most model years, Geico was the cheapest insurance company for used car coverage, and only dropped to second place for the model years when it was not ranked No. 1.
In fact, Geico, State Farm and Progressive were the three cheapest insurance companies for insuring vehicles from the model years 2014 to 2020. Nationwide moved into the top three for the 2021 to 2023 model years.
On the other end of the spectrum, Allstate and Farmers traded back and forth for the honor of being the most expensive insurance company for model years 2014 to 2023.
When it comes to premium differences between the 2014 and 2023 model years, Nationwide had the smallest price difference, charging 13% more for a 2023 model when compared to the 2014 version of the same vehicle.
Allstate posted the biggest price difference between the two model years we looked at, with the 2023 model costing 40% more than the 2014 version. See more rates in the table below.
| Model Year | Company | Average rates |
|---|---|---|
| 2014 | Allstate | $2,148 |
| 2014 | Farmers | $2,098 |
| 2014 | Geico | $1,577 |
| 2014 | Nationwide | $1,872 |
| 2014 | Progressive | $1,811 |
| 2014 | State Farm | $1,573 |
| 2015 | Allstate | $2,268 |
| 2015 | Farmers | $2,312 |
| 2015 | Geico | $1,643 |
| 2015 | Nationwide | $1,945 |
| 2015 | Progressive | $1,892 |
| 2015 | State Farm | $1,654 |
| 2016 | Allstate | $2,349 |
| 2016 | Farmers | $2,357 |
| 2016 | Geico | $1,689 |
| 2016 | Nationwide | $1,945 |
| 2016 | Progressive | $1,952 |
| 2016 | State Farm | $1,709 |
| 2017 | Allstate | $2,466 |
| 2017 | Farmers | $2,460 |
| 2017 | Geico | $1,766 |
| 2017 | Nationwide | $2,040 |
| 2017 | Progressive | $2,014 |
| 2017 | State Farm | $1,767 |
| 2018 | Allstate | $2,558 |
| 2018 | Farmers | $2,544 |
| 2018 | Geico | $1,811 |
| 2018 | Nationwide | $2,170 |
| 2018 | Progressive | $2,100 |
| 2018 | State Farm | $1,834 |
| 2019 | Allstate | $2,687 |
| 2019 | Farmers | $2,630 |
| 2019 | Geico | $1,873 |
| 2019 | Nationwide | $2,196 |
| 2019 | Progressive | $2,146 |
| 2019 | State Farm | $1,888 |
| 2020 | Allstate | $2,854 |
| 2020 | Farmers | $2,748 |
| 2020 | Geico | $1,965 |
| 2020 | Nationwide | $2,214 |
| 2020 | Progressive | $2,256 |
| 2020 | State Farm | $1,939 |
| 2021 | Allstate | $3,027 |
| 2021 | Farmers | $2,856 |
| 2021 | Geico | $2,044 |
| 2021 | Nationwide | $2,101 |
| 2021 | Progressive | $2,321 |
| 2021 | State Farm | $1,988 |
| 2022 | Allstate | $3,250 |
| 2022 | Farmers | $2,992 |
| 2022 | Geico | $2,117 |
| 2022 | Nationwide | $2,102 |
| 2022 | Progressive | $2,395 |
| 2022 | State Farm | $2,054 |
| 2023 | Allstate | $3,549 |
| 2023 | Farmers | $3,098 |
| 2023 | Geico | $2,264 |
| 2023 | Nationwide | $2,152 |
| 2023 | Progressive | $2,466 |
| 2023 | State Farm | $2,148 |
Used car insurance rates by state
The state you call home will also impact your car insurance rates; insurers look at weather, crime statistics, population density and claim rates in your local area. Even local laws can push rates higher or lower.
We analyzed the data for model years 2014 to 2023 to see which state has the lowest rates for used car insurance.
While Vermont was the cheapest state for coverage on a 2014 model-year vehicle, with a premium of $1,136, Idaho and Maine also topped the list of the cheapest states, along with Hawaii, Ohio, Maine and New Hampshire.
Vermont, Idaho and Maine are mainly rural, with low crime rates, which almost always leads to low rates. Hawaii is a no-fault state that does not allow insurers to consider your credit score, which helps keep rates affordable.
Louisiana was the most expensive state for used car coverage regardless of which model year, with an average premium of $3,511 for a 2017 model-year vehicle and $4,164 for a 2023 model year vehicle.
Louisiana often tops the list as the most expensive state for car insurance due to a high theft rate and a large number of lawsuits. Louisiana also experiences severe weather, which can cause massive damage, leading to claims.
Georgia was the second-most expensive state, with Texas, Michigan and South Dakota rotating in and out of third.
| Model Year | State | Average rates |
|---|---|---|
| 2014 | Alaska | $1,994 |
| 2014 | Alabama | $1,732 |
| 2014 | Arkansas | $1,755 |
| 2014 | Arizona | $1,801 |
| 2014 | California | $2,397 |
| 2014 | Colorado | $2,350 |
| 2014 | Connecticut | $2,101 |
| 2014 | Washington, D.C. | $2,284 |
| 2014 | Delaware | $1,950 |
| 2014 | Florida | $2,748 |
| 2014 | Georgia | $2,824 |
| 2014 | Hawaii | $1,257 |
| 2014 | Iowa | $1,521 |
| 2014 | Idaho | $1,152 |
| 2014 | Illinois | $1,793 |
| 2014 | Indiana | $1,625 |
| 2014 | Kansas | $1,879 |
| 2014 | Kentucky | $2,204 |
| 2014 | Louisiana | $3,176 |
| 2014 | Massachusetts | $1,447 |
| 2014 | Maryland | $1,638 |
| 2014 | Maine | $1,178 |
| 2014 | Michigan | $2,251 |
| 2014 | Minnesota | $1,985 |
| 2014 | Missouri | $2,227 |
| 2014 | Mississippi | $1,703 |
| 2014 | Montana | $1,748 |
| 2014 | North Carolina | $1,416 |
| 2014 | North Dakota | $1,511 |
| 2014 | Nebraska | $1,794 |
| 2014 | New Hampshire | $1,302 |
| 2014 | New Jersey | $1,868 |
| 2014 | New Mexico | $1,800 |
| 2014 | Nevada | $1,968 |
| 2014 | New York | $1,522 |
| 2014 | Ohio | $1,259 |
| 2014 | Oklahoma | $1,857 |
| 2014 | Oregon | $1,735 |
| 2014 | Pennsylvania | $1,854 |
| 2014 | Rhode Island | $2,362 |
| 2014 | South Carolina | $1,844 |
| 2014 | South Dakota | $1,994 |
| 2014 | Tennessee | $2,004 |
| 2014 | Texas | $2,562 |
| 2014 | Utah | $1,522 |
| 2014 | Virginia | $1,487 |
| 2014 | Vermont | $1,136 |
| 2014 | Washington | $1,590 |
| 2014 | Wisconsin | $1,312 |
| 2014 | West Virginia | $1,705 |
| 2014 | Wyoming | $1,723 |
| 2015 | Alaska | $2,045 |
| 2015 | Alabama | $1,848 |
| 2015 | Arkansas | $1,882 |
| 2015 | Arizona | $1,910 |
| 2015 | California | $2,519 |
| 2015 | Colorado | $2,520 |
| 2015 | Connecticut | $2,193 |
| 2015 | Washington, D.C. | $2,379 |
| 2015 | Delaware | $2,026 |
| 2015 | Florida | $2,803 |
| 2015 | Georgia | $2,905 |
| 2015 | Hawaii | $1,306 |
| 2015 | Iowa | $1,644 |
| 2015 | Idaho | $1,208 |
| 2015 | Illinois | $1,883 |
| 2015 | Indiana | $1,729 |
| 2015 | Kansas | $2,028 |
| 2015 | Kentucky | $2,365 |
| 2015 | Louisiana | $3,328 |
| 2015 | Massachusetts | $1,517 |
| 2015 | Maryland | $1,715 |
| 2015 | Maine | $1,254 |
| 2015 | Michigan | $2,426 |
| 2015 | Minnesota | $2,092 |
| 2015 | Missouri | $2,367 |
| 2015 | Mississippi | $1,810 |
| 2015 | Montana | $1,880 |
| 2015 | North Carolina | $1,461 |
| 2015 | North Dakota | $1,633 |
| 2015 | Nebraska | $1,936 |
| 2015 | New Hampshire | $1,378 |
| 2015 | New Jersey | $1,931 |
| 2015 | New Mexico | $1,930 |
| 2015 | Nevada | $2,029 |
| 2015 | New York | $1,593 |
| 2015 | Ohio | $1,341 |
| 2015 | Oklahoma | $1,987 |
| 2015 | Oregon | $1,836 |
| 2015 | Pennsylvania | $1,954 |
| 2015 | Rhode Island | $2,444 |
| 2015 | South Carolina | $1,922 |
| 2015 | South Dakota | $2,177 |
| 2015 | Tennessee | $2,138 |
| 2015 | Texas | $2,660 |
| 2015 | Utah | $1,613 |
| 2015 | Virginia | $1,554 |
| 2015 | Vermont | $1,214 |
| 2015 | Washington | $1,641 |
| 2015 | Wisconsin | $1,416 |
| 2015 | West Virginia | $1,796 |
| 2015 | Wyoming | $1,816 |
| 2016 | Alaska | $2,091 |
| 2016 | Alabama | $1,888 |
| 2016 | Arkansas | $1,938 |
| 2016 | Arizona | $1,945 |
| 2016 | California | $2,574 |
| 2016 | Colorado | $2,576 |
| 2016 | Connecticut | $2,236 |
| 2016 | Washington, D.C. | $2,439 |
| 2016 | Delaware | $2,070 |
| 2016 | Florida | $2,825 |
| 2016 | Georgia | $2,938 |
| 2016 | Hawaii | $1,319 |
| 2016 | Iowa | $1,694 |
| 2016 | Idaho | $1,238 |
| 2016 | Illinois | $1,924 |
| 2016 | Indiana | $1,774 |
| 2016 | Kansas | $2,096 |
| 2016 | Kentucky | $2,433 |
| 2016 | Louisiana | $3,409 |
| 2016 | Massachusetts | $1,576 |
| 2016 | Maryland | $1,759 |
| 2016 | Maine | $1,284 |
| 2016 | Michigan | $2,485 |
| 2016 | Minnesota | $2,133 |
| 2016 | Missouri | $2,429 |
| 2016 | Mississippi | $1,870 |
| 2016 | Montana | $1,934 |
| 2016 | North Carolina | $1,559 |
| 2016 | North Dakota | $1,691 |
| 2016 | Nebraska | $1,996 |
| 2016 | New Hampshire | $1,419 |
| 2016 | New Jersey | $1,985 |
| 2016 | New Mexico | $1,981 |
| 2016 | Nevada | $2,060 |
| 2016 | New York | $1,635 |
| 2016 | Ohio | $1,372 |
| 2016 | Oklahoma | $2,044 |
| 2016 | Oregon | $1,874 |
| 2016 | Pennsylvania | $2,024 |
| 2016 | Rhode Island | $2,513 |
| 2016 | South Carolina | $1,964 |
| 2016 | South Dakota | $2,254 |
| 2016 | Tennessee | $2,187 |
| 2016 | Texas | $2,722 |
| 2016 | Utah | $1,644 |
| 2016 | Virginia | $1,586 |
| 2016 | Vermont | $1,255 |
| 2016 | Washington | $1,677 |
| 2016 | Wisconsin | $1,457 |
| 2016 | West Virginia | $1,854 |
| 2016 | Wyoming | $1,888 |
| 2017 | Alaska | $2,159 |
| 2017 | Alabama | $1,968 |
| 2017 | Arkansas | $2,033 |
| 2017 | Arizona | $2,027 |
| 2017 | California | $2,665 |
| 2017 | Colorado | $2,688 |
| 2017 | Connecticut | $2,322 |
| 2017 | Washington, D.C. | $2,506 |
| 2017 | Delaware | $2,151 |
| 2017 | Florida | $2,894 |
| 2017 | Georgia | $3,031 |
| 2017 | Hawaii | $1,352 |
| 2017 | Iowa | $1,781 |
| 2017 | Idaho | $1,302 |
| 2017 | Illinois | $2,027 |
| 2017 | Indiana | $1,840 |
| 2017 | Kansas | $2,198 |
| 2017 | Kentucky | $2,551 |
| 2017 | Louisiana | $3,511 |
| 2017 | Massachusetts | $1,659 |
| 2017 | Maryland | $1,838 |
| 2017 | Maine | $1,356 |
| 2017 | Michigan | $2,605 |
| 2017 | Minnesota | $2,257 |
| 2017 | Missouri | $2,552 |
| 2017 | Mississippi | $1,965 |
| 2017 | Montana | $2,038 |
| 2017 | North Carolina | $1,633 |
| 2017 | North Dakota | $1,779 |
| 2017 | Nebraska | $2,097 |
| 2017 | New Hampshire | $1,492 |
| 2017 | New Jersey | $2,022 |
| 2017 | New Mexico | $2,072 |
| 2017 | Nevada | $2,121 |
| 2017 | New York | $1,681 |
| 2017 | Ohio | $1,426 |
| 2017 | Oklahoma | $2,131 |
| 2017 | Oregon | $1,962 |
| 2017 | Pennsylvania | $2,121 |
| 2017 | Rhode Island | $2,599 |
| 2017 | South Carolina | $2,029 |
| 2017 | South Dakota | $2,382 |
| 2017 | Tennessee | $2,291 |
| 2017 | Texas | $2,814 |
| 2017 | Utah | $1,714 |
| 2017 | Virginia | $1,646 |
| 2017 | Vermont | $1,335 |
| 2017 | Washington | $1,723 |
| 2017 | Wisconsin | $1,521 |
| 2017 | West Virginia | $1,946 |
| 2017 | Wyoming | $1,978 |
| 2018 | Alaska | $2,200 |
| 2018 | Alabama | $2,061 |
| 2018 | Arkansas | $2,136 |
| 2018 | Arizona | $2,086 |
| 2018 | California | $2,763 |
| 2018 | Colorado | $2,810 |
| 2018 | Connecticut | $2,418 |
| 2018 | Washington, D.C. | $2,599 |
| 2018 | Delaware | $2,235 |
| 2018 | Florida | $2,961 |
| 2018 | Georgia | $3,126 |
| 2018 | Hawaii | $1,363 |
| 2018 | Iowa | $1,889 |
| 2018 | Idaho | $1,370 |
| 2018 | Illinois | $2,083 |
| 2018 | Indiana | $1,919 |
| 2018 | Kansas | $2,336 |
| 2018 | Kentucky | $2,664 |
| 2018 | Louisiana | $3,560 |
| 2018 | Massachusetts | $1,726 |
| 2018 | Maryland | $1,926 |
| 2018 | Maine | $1,407 |
| 2018 | Michigan | $2,730 |
| 2018 | Minnesota | $2,324 |
| 2018 | Missouri | $2,700 |
| 2018 | Mississippi | $2,055 |
| 2018 | Montana | $2,149 |
| 2018 | North Carolina | $1,685 |
| 2018 | North Dakota | $1,882 |
| 2018 | Nebraska | $2,228 |
| 2018 | New Hampshire | $1,554 |
| 2018 | New Jersey | $2,095 |
| 2018 | New Mexico | $2,173 |
| 2018 | Nevada | $2,189 |
| 2018 | New York | $1,741 |
| 2018 | Ohio | $1,486 |
| 2018 | Oklahoma | $2,230 |
| 2018 | Oregon | $2,038 |
| 2018 | Pennsylvania | $2,228 |
| 2018 | Rhode Island | $2,698 |
| 2018 | South Carolina | $2,048 |
| 2018 | South Dakota | $2,535 |
| 2018 | Tennessee | $2,404 |
| 2018 | Texas | $2,856 |
| 2018 | Utah | $1,785 |
| 2018 | Virginia | $1,656 |
| 2018 | Vermont | $1,382 |
| 2018 | Washington | $1,780 |
| 2018 | Wisconsin | $1,608 |
| 2018 | West Virginia | $2,099 |
| 2018 | Wyoming | $2,064 |
| 2019 | Alaska | $2,179 |
| 2019 | Alabama | $2,112 |
| 2019 | Arkansas | $2,223 |
| 2019 | Arizona | $2,140 |
| 2019 | California | $2,895 |
| 2019 | Colorado | $2,886 |
| 2019 | Connecticut | $2,477 |
| 2019 | Washington, D.C. | $2,677 |
| 2019 | Delaware | $2,298 |
| 2019 | Florida | $2,973 |
| 2019 | Georgia | $3,166 |
| 2019 | Hawaii | $1,403 |
| 2019 | Iowa | $1,953 |
| 2019 | Idaho | $1,402 |
| 2019 | Illinois | $2,147 |
| 2019 | Indiana | $1,970 |
| 2019 | Kansas | $2,426 |
| 2019 | Kentucky | $2,753 |
| 2019 | Louisiana | $3,663 |
| 2019 | Massachusetts | $1,823 |
| 2019 | Maryland | $1,984 |
| 2019 | Maine | $1,455 |
| 2019 | Michigan | $2,847 |
| 2019 | Minnesota | $2,413 |
| 2019 | Missouri | $2,765 |
| 2019 | Mississippi | $2,144 |
| 2019 | Montana | $2,227 |
| 2019 | North Carolina | $1,793 |
| 2019 | North Dakota | $1,952 |
| 2019 | Nebraska | $2,283 |
| 2019 | New Hampshire | $1,609 |
| 2019 | New Jersey | $2,129 |
| 2019 | New Mexico | $2,245 |
| 2019 | Nevada | $2,231 |
| 2019 | New York | $1,791 |
| 2019 | Ohio | $1,525 |
| 2019 | Oklahoma | $2,295 |
| 2019 | Oregon | $2,087 |
| 2019 | Pennsylvania | $2,310 |
| 2019 | Rhode Island | $2,747 |
| 2019 | South Carolina | $2,109 |
| 2019 | South Dakota | $2,647 |
| 2019 | Tennessee | $2,477 |
| 2019 | Texas | $2,977 |
| 2019 | Utah | $1,818 |
| 2019 | Virginia | $1,711 |
| 2019 | Vermont | $1,461 |
| 2019 | Washington | $1,815 |
| 2019 | Wisconsin | $1,652 |
| 2019 | West Virginia | $2,109 |
| 2019 | Wyoming | $2,152 |
| 2020 | Alaska | $2,251 |
| 2020 | Alabama | $2,176 |
| 2020 | Arkansas | $2,345 |
| 2020 | Arizona | $2,193 |
| 2020 | California | $2,976 |
| 2020 | Colorado | $2,997 |
| 2020 | Connecticut | $2,548 |
| 2020 | Washington, D.C. | $2,764 |
| 2020 | Delaware | $2,374 |
| 2020 | Florida | $3,006 |
| 2020 | Georgia | $3,240 |
| 2020 | Hawaii | $1,445 |
| 2020 | Iowa | $2,033 |
| 2020 | Idaho | $1,466 |
| 2020 | Illinois | $2,233 |
| 2020 | Indiana | $2,045 |
| 2020 | Kansas | $2,557 |
| 2020 | Kentucky | $2,885 |
| 2020 | Louisiana | $3,780 |
| 2020 | Massachusetts | $1,930 |
| 2020 | Maryland | $2,060 |
| 2020 | Maine | $1,552 |
| 2020 | Michigan | $2,967 |
| 2020 | Minnesota | $2,520 |
| 2020 | Missouri | $2,909 |
| 2020 | Mississippi | $2,258 |
| 2020 | Montana | $2,362 |
| 2020 | North Carolina | $1,891 |
| 2020 | North Dakota | $2,055 |
| 2020 | Nebraska | $2,410 |
| 2020 | New Hampshire | $1,691 |
| 2020 | New Jersey | $2,197 |
| 2020 | New Mexico | $2,343 |
| 2020 | Nevada | $2,290 |
| 2020 | New York | $1,862 |
| 2020 | Ohio | $1,660 |
| 2020 | Oklahoma | $2,403 |
| 2020 | Oregon | $2,166 |
| 2020 | Pennsylvania | $2,420 |
| 2020 | Rhode Island | $2,831 |
| 2020 | South Carolina | $2,183 |
| 2020 | South Dakota | $2,823 |
| 2020 | Tennessee | $2,594 |
| 2020 | Texas | $3,106 |
| 2020 | Utah | $1,901 |
| 2020 | Virginia | $1,730 |
| 2020 | Vermont | $1,545 |
| 2020 | Washington | $1,875 |
| 2020 | Wisconsin | $1,732 |
| 2020 | West Virginia | $2,192 |
| 2020 | Wyoming | $2,325 |
| 2021 | Alaska | $2,326 |
| 2021 | Alabama | $2,222 |
| 2021 | Arkansas | $2,445 |
| 2021 | Arizona | $2,234 |
| 2021 | California | $3,052 |
| 2021 | Colorado | $3,079 |
| 2021 | Connecticut | $2,593 |
| 2021 | Washington, D.C. | $2,811 |
| 2021 | Delaware | $2,446 |
| 2021 | Florida | $3,003 |
| 2021 | Georgia | $3,241 |
| 2021 | Hawaii | $1,482 |
| 2021 | Iowa | $2,121 |
| 2021 | Idaho | $1,504 |
| 2021 | Illinois | $2,289 |
| 2021 | Indiana | $2,094 |
| 2021 | Kansas | $2,662 |
| 2021 | Kentucky | $2,974 |
| 2021 | Louisiana | $3,895 |
| 2021 | Massachusetts | $2,025 |
| 2021 | Maryland | $2,111 |
| 2021 | Maine | $1,614 |
| 2021 | Michigan | $3,023 |
| 2021 | Minnesota | $2,582 |
| 2021 | Missouri | $2,998 |
| 2021 | Mississippi | $2,354 |
| 2021 | Montana | $2,454 |
| 2021 | North Carolina | $1,945 |
| 2021 | North Dakota | $2,132 |
| 2021 | Nebraska | $2,514 |
| 2021 | New Hampshire | $1,745 |
| 2021 | New Jersey | $2,270 |
| 2021 | New Mexico | $2,403 |
| 2021 | Nevada | $2,328 |
| 2021 | New York | $1,921 |
| 2021 | Ohio | $1,728 |
| 2021 | Oklahoma | $2,499 |
| 2021 | Oregon | $2,220 |
| 2021 | Pennsylvania | $2,500 |
| 2021 | Rhode Island | $2,851 |
| 2021 | South Carolina | $2,238 |
| 2021 | South Dakota | $2,940 |
| 2021 | Tennessee | $2,673 |
| 2021 | Texas | $3,129 |
| 2021 | Utah | $1,951 |
| 2021 | Virginia | $1,749 |
| 2021 | Vermont | $1,615 |
| 2021 | Washington | $1,895 |
| 2021 | Wisconsin | $1,793 |
| 2021 | West Virginia | $2,250 |
| 2021 | Wyoming | $2,465 |
| 2022 | Alaska | $2,408 |
| 2022 | Alabama | $2,302 |
| 2022 | Arkansas | $2,578 |
| 2022 | Arizona | $2,317 |
| 2022 | California | $3,144 |
| 2022 | Colorado | $3,214 |
| 2022 | Connecticut | $2,686 |
| 2022 | Washington, D.C. | $2,912 |
| 2022 | Delaware | $2,544 |
| 2022 | Florida | $3,039 |
| 2022 | Georgia | $3,329 |
| 2022 | Hawaii | $1,532 |
| 2022 | Iowa | $2,237 |
| 2022 | Idaho | $1,572 |
| 2022 | Illinois | $2,381 |
| 2022 | Indiana | $2,183 |
| 2022 | Kansas | $2,798 |
| 2022 | Kentucky | $3,110 |
| 2022 | Louisiana | $4,037 |
| 2022 | Massachusetts | $2,144 |
| 2022 | Maryland | $2,196 |
| 2022 | Maine | $1,698 |
| 2022 | Michigan | $3,108 |
| 2022 | Minnesota | $2,697 |
| 2022 | Missouri | $3,133 |
| 2022 | Mississippi | $2,469 |
| 2022 | Montana | $2,576 |
| 2022 | North Carolina | $2,046 |
| 2022 | North Dakota | $2,211 |
| 2022 | Nebraska | $2,651 |
| 2022 | New Hampshire | $1,822 |
| 2022 | New Jersey | $2,353 |
| 2022 | New Mexico | $2,501 |
| 2022 | Nevada | $2,398 |
| 2022 | New York | $1,927 |
| 2022 | Ohio | $1,822 |
| 2022 | Oklahoma | $2,624 |
| 2022 | Oregon | $2,310 |
| 2022 | Pennsylvania | $2,601 |
| 2022 | Rhode Island | $2,940 |
| 2022 | South Carolina | $2,315 |
| 2022 | South Dakota | $3,110 |
| 2022 | Tennessee | $2,769 |
| 2022 | Texas | $3,267 |
| 2022 | Utah | $2,027 |
| 2022 | Virginia | $1,801 |
| 2022 | Vermont | $1,692 |
| 2022 | Washington | $1,960 |
| 2022 | Wisconsin | $1,881 |
| 2022 | West Virginia | $2,351 |
| 2022 | Wyoming | $2,598 |
| 2023 | Alaska | $2,489 |
| 2023 | Alabama | $2,409 |
| 2023 | Arkansas | $2,758 |
| 2023 | Arizona | $2,430 |
| 2023 | California | $3,273 |
| 2023 | Colorado | $3,394 |
| 2023 | Connecticut | $2,777 |
| 2023 | Washington, D.C. | $3,053 |
| 2023 | Delaware | $2,662 |
| 2023 | Florida | $3,105 |
| 2023 | Georgia | $3,442 |
| 2023 | Hawaii | $1,575 |
| 2023 | Iowa | $2,388 |
| 2023 | Idaho | $1,680 |
| 2023 | Illinois | $2,513 |
| 2023 | Indiana | $2,299 |
| 2023 | Kansas | $2,809 |
| 2023 | Kentucky | $3,247 |
| 2023 | Louisiana | $4,164 |
| 2023 | Massachusetts | $2,325 |
| 2023 | Maryland | $2,319 |
| 2023 | Maine | $1,821 |
| 2023 | Michigan | $3,265 |
| 2023 | Minnesota | $2,874 |
| 2023 | Missouri | $3,341 |
| 2023 | Mississippi | $2,594 |
| 2023 | Montana | $2,752 |
| 2023 | North Carolina | $2,193 |
| 2023 | North Dakota | $2,367 |
| 2023 | Nebraska | $2,833 |
| 2023 | New Hampshire | $1,887 |
| 2023 | New Jersey | $2,466 |
| 2023 | New Mexico | $2,640 |
| 2023 | Nevada | $2,488 |
| 2023 | New York | $1,995 |
| 2023 | Ohio | $1,934 |
| 2023 | Oklahoma | $2,786 |
| 2023 | Oregon | $2,433 |
| 2023 | Pennsylvania | $2,763 |
| 2023 | Rhode Island | $3,084 |
| 2023 | South Carolina | $2,391 |
| 2023 | South Dakota | $3,309 |
| 2023 | Tennessee | $2,923 |
| 2023 | Texas | $3,456 |
| 2023 | Utah | $2,131 |
| 2023 | Virginia | $1,891 |
| 2023 | Vermont | $1,815 |
| 2023 | Washington | $2,051 |
| 2023 | Wisconsin | $1,997 |
| 2023 | West Virginia | $2,508 |
| 2023 | Wyoming | $2,767 |
How to get car insurance when buying a used car
Most major insurance companies make it easy to purchase a policy online, the most common way to buy coverage for your used car. Here’s what to do if you don’t already have car insurance:
- Choose your desired vehicle: Look at the options for the car you want to buy. To price insurance, you should know the details about the car you want to buy.
- Get vehicle information: Once you have decided upon the vehicle, you should confirm your intent to buy the car with the dealer and get details like the make, model, vehicle identification number (VIN) and vehicle history report, which will affect your overall insurance rate.
- Determine which kind of insurance you want: The cost of used car insurance could be less expensive than that of a new car, but it depends on the vehicle you want to buy. If you’re financing the car, you’ll have to purchase collision and comprehensive coverage in addition to the minimum liability required by your state. Remember to get at least three quotes from various car insurance companies.
- Decide on a deductible. The deductible is the amount you’d pay out-of-pocket if you were in a car accident before the insurer started to pay. A typical car insurance deductible is $500 or $1,000. The higher the deductible, the cheaper your used car’s insurance will be. If you bump up your deductible to save on your monthly premium, make sure you can afford to pay the deductible if you’re in an accident.
- Purchase the policy. Once you complete the application and see your final rate, you can purchase a policy through the online checkout. After you submit the insurance binder and proof of coverage to the dealership, you can safely drive away with your car.
Is it cheaper to insure a new car or a used car?
When comparing the same make and model, it is usually cheaper to insure a used car than a new one.
Even when comparing a newer used vehicle to an older one of the same make and model, the newer one is almost always more expensive to insure. When we ran the numbers, the 2014 Jeep Wrangler Sport was the cheapest vehicle to insure at $1,488 per year. The 2023 version of the same vehicle costs $1,975 to insure, which is a 25% difference.
The same holds true for more expensive used vehicles. The 2014 Porsche Panamera Turbo S was the most expensive vehicle to insure, costing $3,589 a year to cover. The 2023 version is $5,390, or 67% more expensive.
However, it can depend on the vehicle. In many cases, insuring a used luxury or sports car will cost more than insuring a brand-new, entry-level car. Insurance companies consider a variety of factors when setting a rate and the cost of repairs and the value of the vehicle are major ones.
The cost to repair a luxury vehicle is typically much higher than fixing a lower-end vehicle. This is due in part to the materials used – a teak-accented dashboard is more expensive than a plastic one, for example – and the fact that luxury cars are typically loaded with the latest technology. The cost to repair a vehicle is a major rating factor and can lead to higher premiums.
See the rates for new vs. used cars in the table below.
| Make | Model | 2014 | 2023 |
|---|---|---|---|
| Acura | MDX | $1,790 | $2,224 |
| Acura | MDX SH-AWD | $1,796 | $2,336 |
| Acura | MDX SH-AWD Technology | $1,808 | $2,355 |
| Acura | MDX Technology | $1,800 | $2,320 |
| Acura | RDX | $1,611 | $2,084 |
| Acura | RDX SH-AWD | $1,642 | $2,133 |
| Acura | RDX SH-AWD Technology | $1,643 | $2,114 |
| Acura | RDX Technology | $1,638 | $2,078 |
| Audi | A4 Quattro Premium | $2,035 | $2,912 |
| Audi | A4 Quattro Premium Plus | $2,050 | $2,850 |
| Audi | A4 Quattro Prestige | $2,140 | $3,084 |
| Audi | A5 Quattro Premium | $2,110 | $3,039 |
| Audi | A5 Quattro Premium Plus | $2,126 | $3,028 |
| Audi | A5 Quattro Premium Plus S-Line | $2,182 | $3,119 |
| Audi | A5 Quattro Premium S-Line | $2,155 | $3,021 |
| Audi | A5 Quattro Prestige | $2,198 | $3,080 |
| Audi | A6 Quattro Premium | $2,142 | $3,313 |
| Audi | A6 Quattro Premium Plus | $2,257 | $3,365 |
| Audi | A6 Quattro Prestige | $2,356 | $3,544 |
| Audi | A7 Quattro Premium Plus | $2,603 | $3,882 |
| Audi | A7 Quattro Prestige | $2,599 | $3,848 |
| Audi | A8 L Quattro | $2,979 | $4,302 |
| Audi | Q5 Quattro Premium | $1,910 | $2,555 |
| Audi | Q5 Quattro Premium Plus | $1,972 | $2,547 |
| Audi | Q5 Quattro Premium Plus S-Line | $2,007 | $2,787 |
| Audi | Q5 Quattro Prestige | $2,050 | $2,754 |
| Audi | Q5 Quattro Prestige S-Line | $2,052 | $2,864 |
| Audi | Q7 Quattro Premium | $2,109 | $2,899 |
| Audi | Q7 Quattro Premium Plus | $2,121 | $2,936 |
| Audi | Q7 Quattro Prestige | $2,169 | $3,131 |
| Audi | RS5 Quattro | $2,662 | $4,228 |
| Audi | S4 Quattro Premium Plus | $2,427 | $3,546 |
| Audi | S4 Quattro Prestige | $2,439 | $3,662 |
| Audi | S5 Quattro Premium Plus | $2,517 | $3,621 |
| Audi | S5 Quattro Prestige | $2,507 | $3,706 |
| Audi | S8 Quattro | $3,496 | $5,507 |
| Audi | SQ5 Quattro Premium Plus | $2,117 | $3,092 |
| Audi | SQ5 Quattro Prestige | $2,140 | $3,132 |
| Audi | TT Quattro | $2,055 | $3,075 |
| Audi | TTS Quattro | $2,176 | $3,288 |
| BMW | 740i | $2,726 | $4,519 |
| BMW | M5 | $3,397 | $5,352 |
| Cadillac | Escalade ESV Luxury | $2,277 | $3,213 |
| Cadillac | Escalade Luxury | $2,209 | $3,092 |
| Chevrolet | Camaro 1LS | $1,877 | $2,499 |
| Chevrolet | Camaro 1LT | $1,882 | $2,533 |
| Chevrolet | Camaro 1SS | $1,957 | $2,756 |
| Chevrolet | Camaro 2LT | $1,859 | $2,512 |
| Chevrolet | Camaro 2SS | $1,954 | $2,750 |
| Chevrolet | Camaro ZL1 | $2,330 | $3,535 |
| Chevrolet | Corvette Stingray 2LT | $2,205 | $3,333 |
| Chevrolet | Corvette Stingray 3LT | $2,224 | $3,444 |
| Chevrolet | Equinox LS | $1,652 | $2,113 |
| Chevrolet | Equinox LT | $1,636 | $2,075 |
| Chevrolet | Express 2500 | $1,592 | $2,015 |
| Chevrolet | Express 2500 LS | $1,572 | $2,094 |
| Chevrolet | Express 2500 LT | $1,586 | $2,116 |
| Chevrolet | Express 3500 | $1,649 | $2,074 |
| Chevrolet | Express 3500 LS | $1,676 | $2,099 |
| Chevrolet | Express 3500 LT | $1,671 | $2,102 |
| Chevrolet | Malibu 2LT | $1,776 | $2,494 |
| Chevrolet | Malibu LS | $1,762 | $2,415 |
| Chevrolet | Malibu LS Fleet | $1,801 | $2,389 |
| Chevrolet | Silverado 1500 High Country | $1,873 | $2,578 |
| Chevrolet | Silverado 1500 LT | $1,728 | $2,455 |
| Chevrolet | Silverado 1500 LTZ | $1,800 | $2,513 |
| Chevrolet | Silverado 1500 WT | $1,706 | $2,318 |
| Chevrolet | Silverado 2500HD LT | $1,813 | $2,487 |
| Chevrolet | Silverado 2500HD LTZ | $1,907 | $2,611 |
| Chevrolet | Silverado 2500HD WT | $1,799 | $2,507 |
| Chevrolet | Silverado 3500HD LT | $1,895 | $2,644 |
| Chevrolet | Silverado 3500HD LTZ | $1,996 | $2,748 |
| Chevrolet | Silverado 3500HD WT | $1,874 | $2,629 |
| Chevrolet | Tahoe LS | $1,691 | $2,347 |
| Chevrolet | Tahoe LT | $1,698 | $2,372 |
| Chevrolet | Traverse LS | $1,626 | $2,148 |
| Chevrolet | Traverse LT | $1,644 | $2,192 |
| Chrysler | 300 S | $1,984 | $2,732 |
| Dodge | Challenger R/T | $2,210 | $3,162 |
| Dodge | Challenger SXT | $2,137 | $3,012 |
| Dodge | Charger Police | $2,204 | $3,323 |
| Dodge | Charger R/T | $2,219 | $3,616 |
| Dodge | Charger SXT | $2,114 | $3,013 |
| Dodge | Durango Citadel | $1,866 | $2,477 |
| Dodge | Durango R/T | $1,878 | $2,552 |
| Dodge | Durango SXT | $1,772 | $2,337 |
| Ford | Edge SE | $1,579 | $2,147 |
| Ford | Edge SEL | $1,589 | $2,138 |
| Ford | Expedition King Ranch | $1,750 | $2,743 |
| Ford | Expedition Limited | $1,742 | $2,646 |
| Ford | Expedition XL Fleet | $1,681 | $2,382 |
| Ford | Expedition XLT | $1,705 | $2,566 |
| Ford | Explorer | $1,660 | $2,224 |
| Ford | Explorer Limited | $1,723 | $2,389 |
| Ford | Explorer XLT | $1,666 | $2,277 |
| Ford | F-150 King Ranch | $1,708 | $2,450 |
| Ford | F-150 Lariat | $1,688 | $2,409 |
| Ford | F-150 Limited | $1,759 | $2,723 |
| Ford | F-150 Platinum | $1,731 | $2,472 |
| Ford | F-150 XL | $1,607 | $2,237 |
| Ford | F-150 XLT | $1,625 | $2,283 |
| Ford | F-250 SD King Ranch | $2,005 | $2,944 |
| Ford | F-250 SD Lariat | $1,931 | $2,784 |
| Ford | F-250 SD Platinum | $2,071 | $2,953 |
| Ford | F-250 SD XL | $1,847 | $2,639 |
| Ford | F-250 SD XLT | $1,864 | $2,680 |
| Ford | F-350 SD King Ranch | $2,065 | $2,977 |
| Ford | F-350 SD Lariat | $1,984 | $2,795 |
| Ford | F-350 SD Platinum | $2,102 | $2,980 |
| Ford | F-350 SD XL | $1,887 | $2,617 |
| Ford | F-350 SD XLT | $1,915 | $2,677 |
| Ford | F-450 SD King Ranch | $2,458 | $3,525 |
| Ford | F-450 SD Lariat | $2,453 | $3,371 |
| Ford | F-450 SD XL | $2,395 | $3,174 |
| Ford | F-450 SD XLT | $2,409 | $3,262 |
| Ford | Mustang GT | $1,940 | $2,910 |
| Ford | Mustang GT Premium | $1,950 | $2,873 |
| Ford | Transit Connect Cargo Van XL | $1,561 | $1,998 |
| Ford | Transit Connect Cargo Van XLT | $1,581 | $2,054 |
| GMC | Acadia Denali | $1,735 | $2,323 |
| GMC | Savana 2500 LS | $1,589 | $2,078 |
| GMC | Savana 2500 LT | $1,628 | $2,099 |
| GMC | Savana 3500 LS | $1,728 | $2,192 |
| GMC | Savana 3500 LT | $1,758 | $2,187 |
| GMC | Savana Cargo 2500 | $1,610 | $2,017 |
| GMC | Savana Cargo 3500 | $1,686 | $2,135 |
| GMC | Sierra 1500 Denali | $1,889 | $2,632 |
| GMC | Sierra 1500 SLE | $1,748 | $2,468 |
| GMC | Sierra 1500 SLT | $1,817 | $2,522 |
| GMC | Sierra 2500HD Denali | $1,938 | $2,922 |
| GMC | Sierra 2500HD SLE | $1,829 | $2,590 |
| GMC | Sierra 2500HD SLT | $1,895 | $2,698 |
| GMC | Sierra 3500HD Denali | $2,022 | $3,016 |
| GMC | Sierra 3500HD SLE | $1,931 | $2,690 |
| GMC | Sierra 3500HD SLT | $1,998 | $2,922 |
| GMC | Terrain Denali | $1,724 | $2,247 |
| GMC | Yukon Denali | $1,789 | $2,662 |
| GMC | Yukon SLE | $1,712 | $2,409 |
| GMC | Yukon SLT | $1,747 | $2,500 |
| GMC | Yukon XL Denali | $1,830 | $2,671 |
| Honda | Accord EX | $1,766 | $2,285 |
| Honda | Accord Hybrid EX-L | $1,803 | $2,348 |
| Honda | Accord Hybrid Touring | $1,810 | $2,377 |
| Honda | Accord LX | $1,694 | $2,310 |
| Honda | Civic EX | $1,760 | $2,354 |
| Honda | Civic EX-L | $1,733 | $2,355 |
| Honda | Civic LX | $1,719 | $2,255 |
| Honda | CR-V EX | $1,524 | $1,959 |
| Honda | CR-V EX-L | $1,543 | $1,982 |
| Honda | CR-V LX | $1,506 | $1,922 |
| Honda | Odyssey EX | $1,550 | $2,016 |
| Honda | Odyssey EX-L | $1,591 | $2,098 |
| Honda | Odyssey Touring | $1,652 | $2,104 |
| Honda | Pilot EX-L | $1,667 | $2,126 |
| Honda | Pilot LX | $1,617 | $2,026 |
| Honda | Pilot Touring | $1,696 | $2,135 |
| Honda | Ridgeline RTL | $1,687 | $2,276 |
| Honda | Ridgeline Sport | $1,650 | $2,226 |
| Hyundai | Elantra Limited | $1,878 | $2,474 |
| Hyundai | Elantra SE | $1,860 | $2,424 |
| Hyundai | Santa Fe Limited | $1,776 | $2,303 |
| Hyundai | Sonata Hybrid Limited | $2,073 | $2,673 |
| Hyundai | Sonata Limited | $1,991 | $2,561 |
| Hyundai | Sonata SE | $1,966 | $2,451 |
| Hyundai | Tucson Limited | $1,736 | $2,178 |
| Hyundai | Tucson SE | $1,715 | $2,065 |
| Jeep | Cherokee Trailhawk | $1,675 | $2,198 |
| Jeep | Compass Latitude | $1,579 | $2,146 |
| Jeep | Compass Limited | $1,600 | $2,194 |
| Jeep | Compass Sport | $1,559 | $2,079 |
| Jeep | Grand Cherokee Laredo | $1,692 | $2,212 |
| Jeep | Grand Cherokee Limited | $1,747 | $2,296 |
| Jeep | Grand Cherokee Overland | $1,786 | $2,458 |
| Jeep | Grand Cherokee Summit | $1,838 | $2,520 |
| Jeep | Wrangler Rubicon | $1,537 | $2,072 |
| Jeep | Wrangler Sport | $1,488 | $1,975 |
| Jeep | Wrangler Sport S | $1,488 | $1,972 |
| Jeep | Wrangler Unlimited Rubicon | $1,606 | $2,173 |
| Jeep | Wrangler Unlimited Sahara | $1,603 | $2,114 |
| Jeep | Wrangler Unlimited Sport | $1,573 | $2,051 |
| Jeep | Wrangler Unlimited Sport RHD | $1,606 | $2,050 |
| Jeep | Wrangler Unlimited Sport S | $1,571 | $2,021 |
| Kia | Forte LX | $1,857 | $2,336 |
| Kia | Rio LX | $1,735 | $2,278 |
| Kia | Sorento EX | $1,769 | $2,165 |
| Kia | Sorento LX | $1,719 | $2,142 |
| Kia | Sorento SX | $1,795 | $2,222 |
| Kia | Sportage EX | $1,721 | $2,037 |
| Kia | Sportage LX | $1,696 | $2,032 |
| Kia | Sportage SX | $1,772 | $2,074 |
| Lexus | ES 300H | $2,071 | $2,765 |
| Lexus | ES 350 | $1,969 | $2,771 |
| Lexus | GX 460 | $1,901 | $2,649 |
| Lexus | GX 460 Luxury | $2,004 | $2,789 |
| Lexus | RX 350 | $1,866 | $2,531 |
| Lexus | RX 350 F-Sport | $1,905 | $2,615 |
| Mazda | CX-9 Grand Touring | $1,734 | $2,355 |
| Mazda | CX-9 Touring | $1,704 | $2,247 |
| Mazda | MX-5 Miata Club | $1,531 | $2,080 |
| Mazda | MX-5 Miata Grand Touring | $1,534 | $2,087 |
| Mazda | MX-5 Miata Sport | $1,492 | $2,042 |
| Mercedes | AMG CLA45 4MATIC | $2,391 | $3,561 |
| Mercedes | AMG E63 S | $2,824 | $4,509 |
| Mercedes | AMG G63 4MATIC | $3,229 | $5,101 |
| Mercedes | AMG SL 63 | $3,359 | $4,841 |
| Mercedes | CLA250 | $2,084 | $2,833 |
| Mercedes | CLA250 4MATIC | $2,126 | $2,959 |
| Mercedes | E350 | $2,298 | $3,195 |
| Mercedes | E350 4MATIC | $2,309 | $3,220 |
| Mercedes | G550 4MATIC | $2,948 | $4,500 |
| Mercedes | Sprinter 2500 | $1,823 | $2,371 |
| Mercedes | Sprinter 2500 High Roof | $1,871 | $2,466 |
| Mitsubishi | Mirage ES | $1,730 | $2,372 |
| Mitsubishi | Outlander ES | $1,775 | $2,401 |
| Mitsubishi | Outlander SE | $1,796 | $2,395 |
| Nissan | Altima 2.5 S | $1,839 | $2,478 |
| Nissan | Altima 2.5 SL | $1,866 | $2,572 |
| Nissan | Altima 2.5 SV | $1,844 | $2,507 |
| Nissan | Armada Platinum | $1,869 | $2,635 |
| Nissan | Armada SL | $1,847 | $2,577 |
| Nissan | Armada SV | $1,825 | $2,522 |
| Nissan | Frontier Pro-4X | $1,653 | $2,194 |
| Nissan | Frontier S | $1,610 | $2,126 |
| Nissan | Frontier SV | $1,621 | $2,163 |
| Nissan | GT-R Premium | $3,572 | $5,525 |
| Nissan | Leaf S | $1,750 | $2,349 |
| Nissan | Murano S | $1,650 | $2,151 |
| Nissan | Murano SL | $1,691 | $2,278 |
| Nissan | Murano SV | $1,667 | $2,179 |
| Nissan | Pathfinder Platinum | $1,854 | $2,376 |
| Nissan | Pathfinder S | $1,761 | $2,241 |
| Nissan | Pathfinder SL | $1,818 | $2,323 |
| Nissan | Pathfinder SV | $1,805 | $2,268 |
| Nissan | Rogue S | $1,654 | $2,201 |
| Nissan | Rogue SL | $1,687 | $2,276 |
| Nissan | Rogue SV | $1,664 | $2,235 |
| Nissan | Sentra S | $1,752 | $2,364 |
| Nissan | Sentra SR | $1,796 | $2,430 |
| Nissan | Sentra SV | $1,780 | $2,403 |
| Nissan | Titan Pro-4x | $1,800 | $2,621 |
| Nissan | Titan S | $1,773 | $2,503 |
| Nissan | Titan SV | $1,793 | $2,553 |
| Nissan | Versa S | $1,661 | $2,295 |
| Nissan | Versa SV | $1,695 | $2,336 |
| Porsche | 911 Carrera | $2,989 | $4,591 |
| Porsche | 911 Carrera 4 | $3,065 | $4,638 |
| Porsche | 911 Carrera 4S | $3,017 | $4,723 |
| Porsche | 911 Carrera GT3 | $3,309 | $5,061 |
| Porsche | 911 Carrera S | $3,006 | $4,714 |
| Porsche | 911 Carrera Targa 4 | $3,108 | $4,699 |
| Porsche | 911 Carrera Targa 4S | $3,163 | $4,827 |
| Porsche | 911 Turbo | $3,493 | $5,302 |
| Porsche | 911 Turbo S | $3,555 | $5,424 |
| Porsche | Cayenne | $2,039 | $3,084 |
| Porsche | Cayenne GTS | $2,301 | $3,690 |
| Porsche | Cayenne S | $2,176 | $3,429 |
| Porsche | Cayenne Turbo | $2,594 | $3,905 |
| Porsche | Panamera | $2,761 | $4,420 |
| Porsche | Panamera 4 | $2,818 | $4,391 |
| Porsche | Panamera 4S | $3,058 | $4,872 |
| Porsche | Panamera 4S Executive | $3,203 | $4,641 |
| Porsche | Panamera GTS | $3,243 | $5,086 |
| Porsche | Panamera Turbo S | $3,589 | $5,390 |
| Ram | 1500 Big Horn | $1,775 | $2,472 |
| Ram | 1500 HFE | $1,702 | $2,286 |
| Ram | 1500 Laramie | $1,868 | $2,561 |
| Ram | 1500 Lone Star | $1,778 | $2,510 |
| Ram | 1500 Promaster Cargo Van High Roof | $1,660 | $2,214 |
| Ram | 1500 Promaster Cargo Van Low Roof | $1,659 | $2,175 |
| Ram | 1500 Tradesman | $1,742 | $2,397 |
| Ram | 2500 Big Horn | $1,884 | $2,515 |
| Ram | 2500 Laramie | $1,910 | $2,685 |
| Ram | 2500 Lone Star | $1,885 | $2,551 |
| Ram | 2500 Powerwagon | $1,852 | $2,624 |
| Ram | 2500 Tradesman | $1,811 | $2,472 |
| Ram | 3500 Big Horn | $1,994 | $2,632 |
| Ram | 3500 Laramie | $2,031 | $2,779 |
| Ram | 3500 Lone Star | $1,997 | $2,698 |
| Ram | 3500 Tradesman | $1,904 | $2,616 |
| Subaru | BRZ Limited | $1,992 | $2,856 |
| Subaru | BRZ Premium | $1,972 | $2,832 |
| Toyota | 4Runner Limited | $1,717 | $2,308 |
| Toyota | 4Runner SR5 | $1,651 | $2,186 |
| Toyota | 4Runner SR5 Premium | $1,659 | $2,240 |
| Toyota | Camry Hybrid LE | $1,845 | $2,409 |
| Toyota | Camry Hybrid XLE | $1,846 | $2,489 |
| Toyota | Camry LE | $1,760 | $2,330 |
| Toyota | Camry SE | $1,778 | $2,351 |
| Toyota | Camry XLE | $1,794 | $2,464 |
| Toyota | Corolla LE | $1,755 | $2,353 |
| Toyota | Highlander Hybrid Limited | $1,897 | $2,357 |
| Toyota | Highlander LE | $1,667 | $2,187 |
| Toyota | Highlander Limited | $1,728 | $2,238 |
| Toyota | Highlander XLE | $1,705 | $2,224 |
| Toyota | RAV4 LE | $1,612 | $2,043 |
| Toyota | RAV4 Limited | $1,630 | $2,127 |
| Toyota | RAV4 XLE | $1,611 | $2,063 |
| Toyota | Sequoia Limited | $1,807 | $2,787 |
| Toyota | Sequoia Platinum | $1,891 | $2,858 |
| Toyota | Sequoia SR5 | $1,766 | $2,752 |
| Toyota | Sienna LE | $1,664 | $2,163 |
| Toyota | Sienna Limited | $1,746 | $2,298 |
| Toyota | Sienna XLE | $1,696 | $2,260 |
| Toyota | Tundra 1794 | $1,818 | $2,504 |
| Toyota | Tundra Limited | $1,791 | $2,502 |
| Toyota | Tundra Platinum | $1,820 | $2,547 |
| Toyota | Tundra SR | $1,693 | $2,250 |
| Toyota | Tundra SR5 | $1,714 | $2,307 |
| Toyota | Venza LE | $1,640 | $2,185 |
| Toyota | Venza Limited | $1,682 | $2,279 |
| Toyota | Venza XLE | $1,665 | $2,217 |
| Volkswagen | Jetta GLI Autobahn | $1,814 | $2,406 |
| Volkswagen | Jetta S | $1,722 | $2,350 |
| Volkswagen | Jetta SE | $1,752 | $2,273 |
| Volkswagen | Jetta SEL | $1,792 | $2,314 |
| Volkswagen | Tiguan S | $1,585 | $1,992 |
| Volkswagen | Tiguan SE | $1,626 | $1,988 |
Learn how car insurance rates differ for new and used vehicles
How do you find the cheapest insurance for used cars?
There are a number of ways to lower your used car insurance premium. Here are a few tips to help keep your used car insurance premium affordable:
- Shop your coverage. Insurers rate risk differently which can result in dramatic differences in premium quotes. Shop your coverage on a yearly basis and gather quotes from at least five insurance companies.
- Discounts. Discounts are a great way to save money on car insurance for used car models: Insurers typically offer discounts for students who live away from home, telematics usage, low-mileage, safe driver and military service.
- Consider the car. Insurers also factor in the vehicle you are driving; high-end models will always cost more to insure than a family sedan or minivan. Luxury and sports cars are more expensive to repair and have a higher starting price, in addition they are loaded with high-end trims and technology.
- Opt for a higher deductible. Raising your deductible will lower your premium. If you can afford to double your deductible, you should see a significant drop in your premium. Always choose a deductible you can easily afford in case you have to make a claim on your policy.
FAQs: Insurance when buying a used car
How do you get used car insurance if you already have a policy?
Insuring a new-to-you-used car is pretty simple if you already have car insurance. Contact the company you’re covered with and let them know you want to insure a different vehicle. The representative will ask about the vehicle to tell you if there’s a price difference.
Keep your existing vehicle on the policy unless you’re selling it – in that case, an agent can help you remove the car from the policy once it’s sold.
How long do you have to get insurance when buying a car?
You’ll need car insurance when you purchase a used car. If you have existing coverage, your policy may offer a grace period that will automatically cover the used car until you can officially add it to the policy.
If you don’t already have insurance, however, most car dealerships will require you to get a policy before the transaction occurs. They must verify that your policy is current and meets the state’s minimum coverage requirements.
Do you need gap insurance for a used car?
Gap insurance, or Guaranteed Auto Protection coverage, is designed to bridge the gap between the value of your vehicle and what you owe on the car. Gap insurance on used car models isn’t normally required because used cars don’t immediately depreciate like new cars.
What is a used car insurance grace period?
If you have a car insurance policy with an insurer and are purchasing another vehicle, you typically have a grace period that ranges from a week to a month before you have to add the new vehicle to your policy.
If you get into an accident during the grace period, the damages will be covered. The grace period varies by insurance company, with some offering a grace period of 7-10 days while others extend it to 30 days. Check with your insurer regarding their grace period.
Is insurance for older used cars cheaper?
A car’s age has less impact on the insurance cost than the make and model. Additionally, newer cars have more safety features that could prevent or minimize accident damage. That’s why it’s essential to research and compare car insurance quotes with a used car insurance calculator before purchasing a used vehicle.
Can I drive off the lot without insurance?
If you’re buying a used car from a dealer, you’ll need to show proof of insurance before you’re allowed to drive away. Private sellers may not have that requirement, but driving an uninsured vehicle is risky.
Most online insurers will provide instant coverage once you pay for the policy, so you log back in to access your quote, enter the missing details such as VIN and price paid for the car, pay your premium, show the dealer insurance proof, and you’re all set.
How much car insurance do you need?
The editors at CarInsurance.com recommend full coverage car insurance with liability limits of 100/300/100 for most drivers.
You might also be interested inNew vs. used cars: Check out what our survey found about what car buyers care about.
Methodology
CarInsurance.com commissioned Quadrant to pull rates, which reflect a full coverage policy with 100/300/50 in personal liability coverage and a $500 deductible for collision and comprehensive insurance.
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