Best car insurance for sedans

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Like many sedan owners, you’re likely looking for the best insurance possible for your needs and your wallet. The average cost of full coverage car insurance in the U.S. is $1,674 per year. However, your rates will vary based on the make and model you drive — among other considerations.

Models included in this review:

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

How much does it cost to insure a Sedan?

Although the national average cost of car insurance is $1,674 per year, according to the most recent data from Quadrant Information Services, your premium will likely vary based on several factors, including your vehicle’s make and model. Are you wondering why your make and model affects insurance premiums? Different vehicles have different crash statistics, price of parts and safety features which can affect risk profiles and the cost of repairs. The following characteristics may affect your premium.

  • Crash rate stats per make/model: Some vehicles have much higher crash or death rates than other comparable vehicles. For instance, the Nissan Altima has a much higher driver death rate than the Toyota Camry, according to the Insurance Institute for Highway Safety (IIHS).
  • Price of parts: Some cars are much cheaper to repair than others due to cheap parts. For example, in a study of different make and model cars, the Toyota Corolla turned out to be cheaper to repair than the Toyota Camry over the span of 10 years.
  • Safety features: Common safety features for sedans include front and side air bags, stability control, brake assist, anti-lock brakes, backup cameras, stability control and lane departure sensors.

Car insurance for a Sedan

The average rates below can be helpful for the sake of comparison, but keep in mind that rates are personalized to each driver. Regardless of the make and model you drive, your auto insurance premium will vary based on individual characteristics such as driving history and location.

Car insurance for Sedans by make and model

Looking for sedan insurance? Keep in mind that different makes and models have different average insurance rates because each car has different safety features, price of parts and crash statistics.

The IIHS chose the Toyota Camry as one of their top safety picks for 2021. Additionally, the average cost of repairing and maintaining the vehicle is generally low. You’ll notice that the Toyota Camry has one of the cheapest full coverage insurance premiums on our list, which is likely due to its performance in safety and affordability.

Model car insurance Average annual full coverage premium Average annual minimum coverage premium
Chevrolet Cruze $1,642 $527
Ford Fusion $1,674 $508
Honda Accord $1,733 $509
Honda Civic $1,733 $509
Nissan Altima $1,788 $526
Toyota Camry $1,674 $565
Toyota Corolla $1,695 $531

Cheapest car insurance companies for Sedans

If you’re looking for the cheapest car insurance for sedans, Amica, Erie, Geico, State Farm and USAA have proven to be easy on the wallet. Below, we compiled the latest premium data for each make and model from some of the largest providers, by market share, so that you can decide which option is best for you. While this table is helpful for the sake of comparison, keep in mind that your actual rates will vary based on personal characteristics. You may want to generate online quotes from the top companies to get a more accurate idea of what you’d pay.

Average annual premium for full coverage by model

Car insurance company Chevrolet Cruze Ford Fusion Honda Accord Honda Civic Nissan Altima Toyota Camry Toyota Corolla
Amica $1,286 $1,361 $1,383 $1,388 $1,338 $1,405 $1,255
Erie $1,416 $1,470 $1,406 $1,406 $1,505 $1,457 $1,300
Geico $1,320 $1,246 $1,318 $1,319 $1,294 $1,233 $1,251
State Farm $1,326 $1,339 $1,358 $1,358 $1,401 $1,378 $1,404
USAA $1,072 $1,152 $1,165 $1,170 $1,173 $1,225 $1,052

Sedan features that impact insurance costs

These sedans come equipped with many of the same safety features. These common features include:

  • Front and side airbags: Front air bags are standard, but the optional side air bag has proven benefits. These optional air bags have been shown to reduce the risk of death in driver-side crashes by almost 40%.
  • Blind spot warnings: This feature warns a driver when an object or vehicle is in the driver’s blind spot.
  • Lane assist: Lane assist notifies the driver when they’re veering off the road or outside their lane.
  • Traffic sign recognition: Certain sedans use front cameras to detect traffic signs and process that information to notify you of local speed limits, school zones and more.
  • Rear camera: Rear-facing cameras can help drivers avoid obstacles when backing up. Many rear cameras are now equipped with a multi-angle view, which lets drivers see through a wide frame or a bird’s eye view.
  • Seat belts with pretensioner: Seat belts lock in preparation for a crash, but give slightly to reduce harmful pressure on the rider’s chest.
  • Anti-lock brakes: This feature pumps the vehicle’s brakes automatically to prevent the car from skidding out of control in a heavy braking scenario.
  • Brake assist: Brake assist uses sensors to determine when the car in front of you stops short and allows your car to brake along with it to avoid a crash.

Other car insurance coverage for a Sedan

If you’re looking for auto insurance for sedans, you’ll likely want to keep state laws in mind. Every state except for New Hampshire and Virginia has its own minimum insurance requirements. Most insurance experts recommend purchasing full coverage insurance, which combines liability and full coverage. Some people may even opt for more coverage options to ensure better financial protection in the event of a crash.

Car insurance for sedans comes in several varieties. You could purchase collision coverage, which covers damages to the policyholder’s vehicle in the wake of a collision, and comprehensive coverage, which covers damage after something other than a collision. Comprehensive coverage could kick in for damage from occurrences like falling objects or striking an animal. You may also be interested in uninsured/underinsured motorist coverage, which could cover expenses for your injuries and damages following an accident with a driver who doesn’t have enough or any insurance.

Many other sedan insurance policy types are also available from the top auto insurance providers. You may want to speak with a licensed insurance agent who can help you decide which coverage types are best for you.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 sedan of the following model types, commute five days a week and drive 12,000 miles annually:

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

These are sample rates and should only be used for comparative purposes.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is an insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor