Car Insurance Rates by Model 2026
Why your 2026 EV might cost 49% more to insure than a luxury gas SUV. But we are not going to start from there. However, let me introduce my self a little bit. I’m larencegotkeys,
I’m an EV advocate and buyer strategist, it is my greatest joy to see you buy car the smart way.
so the title says car insurance rates by model. (in fact even the worst ones)
In 2026, the average cost of full coverage car insurance has climbed to $2,697 per year. But that average is a lie.
Depending on the model you choose, you could be paying $1,200/year for a Honda or $5,000+/year for a Tesla so that justifies the curious statement i drop at the start of the post.
As cars become computers on wheels, a minor fender bender that used to cost $500 now costs $5,000 because of the sensors, cameras, and battery calibration required.( what a same that we now pay more to have features that we only use 4% of it at the end of the day).
Here is the 2026 leaderboard of what you’ll actually pay.
1. The 2026 Cheapest Models to Insure
These models are the insurance darlings because they are safe, easy to repair, and have low theft rates base on my findings.
Comparison Table
| Make & Model | Monthly | Why it’s Cheap |
|---|---|---|
| Honda CR-V | $161 | Top safety scores, high parts availability |
| Subaru Crosstrek | $175 | All wheel drive stability, low claim severity |
| Hyundai Venue | $167 | Lightweight, simple tech compared to EVs. |
| GMC Sierra 1500 | $145 | Trucks have lower collision frequency in data. |
| Mazda CX5 | $168 | Proven mechanicals, predictable repair costs. |
| – | – | – |
| – | – | – |
2. The EV Tax: Why Electric Costs More in 2026.
- The Battery Problem: In a crash, even a small dent in the battery casing often results in a Total Loss by the insurance company because they cannot guarantee the battery won’t catch fire later.
- The Specialist Shortage: There aren’t enough High-Voltage Certified body shops, so labor rates are 2x higher for EVs.
- The Heavyweight Factor: EVs weigh 20–30% more than gas cars. When they hit something, they cause more damage, leading to higher liability payouts.
The Tesla Model Y and Model 3 are the most expensive popular cars to insure, often exceeding $350/month for full coverage.
3. The Worst Luxury Cars to Insure Right Now.
while it’s a very cool thing to own a luxury car, on the other hand paying for insurance socks. I feel like things are becoming manipulative. but we will talk about that some other time.
- Maserati Quattroporte: ~$7,090/year.
- Tesla Model S Plaid: ~$5,301/year.
- Audi RS7: ~$5,792/year.
(I will keep updating this if there is any changes in the future)
In 2026, high-performance EVs from new startups are seeing Policy Refusals from standard carriers like State Farm, forcing owners into expensive secondary markets.
4. 2026 Secret Factors: It’s Not Just the Model
But you can beat the system
The NACS Discount: Some insurers are now offering small discounts for cars with native NACS (Tesla-style) ports because they are easier to recover and charge during a claim.
Telematics (The Spy in the Car): about 60% of new policies are Usage-Based. If you let the insurance company track your braking and speed via an app, you can save 30%, but if you drive it like you stole it, your rates will double.
ZIP Code Logic: An EV in a Charging Desert (like Idaho or Arkansas) can cost 99% more to insure than a gas car, simply because there are no repair shops nearby.
so I’m about to loose some sleep because my fans on social media will slam me with questions.
so what car do you suspect would have been the worst on our list?
