Best car insurance for sedans

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Car insurance is essential for nearly every vehicle owner, not to mention it is a legal requirement in every state except New Hampshire and Virginia. Car insurance protects your liabilities as a driver in the event of an at-fault accident. Depending on the type of policy you have, it can also cover the cost of your vehicle’s repairs after a crash or other incident.

The average cost of car insurance in the United States is $565 per year for a minimum coverage policy and $1,674 per year for a full coverage policy. However, car insurance rates are personalized and one of the factors that affect your rate is your vehicle’s make and model. Sedans are typically one of the cheapest cars to insure, but every insurance company will charge a slightly different rate to cover a vehicle.

Car insurance for sedans: by model

The cost of insurance for specific car makes and models depends on a variety of factors. Some examples include the average cost of repairs, the vehicle’s reliability and safety features the car has installed that could reduce the risk of an accident. The table below includes the average cost of full coverage and minimum coverage car insurance for a variety of popular sedans:

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

Best car insurance for sedans

If you are in the market for car insurance for a sedan, comparing providers is important. The best car insurance companies for sedan owners offer affordable premiums, generous discounts, comprehensive coverage options and optional policies for more protection. Although the best provider will be different for everyone, here are three companies that may be worth considering:

  • USAA – USAA only sells car insurance to active duty and retired military personnel. If you qualify, you can make use of USAA’s low rates, great discounts and excellent customer service. According to USAA’s website, drivers who switch to USAA from another insurance company save an average of $707 per year.
  • Progressive – Progressive is known for its extensive list of discounts. Sedan owners can save money by bundling their policies, enrolling in autopay, getting a quote online, being a good student and more. Progressive also has excellent coverage, with unique policies like custom parts insurance and rideshare insurance.
  • Erie – Erie stands out for its comprehensive coverage. Full coverage policies automatically include pet coverage, personal items coverage, locksmith services reimbursement and roadside assistance. Erie also features a rate lock guarantee, disappearing deductible and first accident forgiveness.

Cheapest car insurance companies for Chevrolet Cruze

The Chevrolet Cruze is among the cheapest sedans to insure. USAA offers the cheapest insurance for the Chevrolet Cruze for both minimum coverage and full coverage policies. USAA’s average minimum coverage policy costs $342 per year and the average full coverage policy costs $1,072. Not too far off, Amica’s average minimum coverage policy costs $367 per year. For full coverage, Geico offers the next best rate on average next to USAA at $1,286 per year. In the table below, we highlighted the cheapest car insurance for a Chevrolet Cruze from five of the best car insurance companies.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $342 $1,072
Geico $394 $1,286
State Farm $514 $1,416
Erie $430 $1,320
Amica $367 $1,326

Cheapest car insurance companies for Ford Fusion

Ford Fusions generally cost less than $500 per year to insure with minimum coverage. For example, from Geico, you can get a minimum coverage policy for $365 per year and a full coverage policy for $1,152 per year. However, there are a handful of other carriers that offer affordable insurance options if you seek more quotes. Here are several providers that stand out.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $353 $1,152
Geico $365 $1,361
State Farm $466 $1,470
Erie $367 $1,246
Amica $376 $1,339

Cheapest car insurance companies for Honda Accord

Car insurance on a Honda Accord is generally pretty affordable. Based on our quotes, a minimum coverage policy costs less than $500 on average and a full coverage policy costs less than $1,500. The table below highlights the cheapest car insurance providers for a Honda Accord.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $333 $1,165
Geico $375 $1,383
State Farm $464 $1,406
Erie $368 $1,318
Amica $356 $1,358

Cheapest car insurance companies for Honda Civic

Honda Civics are generally affordable sedans to insure. No matter which of this year’s top companies you choose to insure it with, you are likely to stay within the range of around $330-$1,400. In the table below, you can see the most affordable providers for insuring a Honda Civic.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $333 $1,170
Geico $376 $1,388
State Farm $464 $1,406
Erie $368 $1,319
Amica $356 $1,358

Cheapest car insurance companies for Toyota Camry

The Toyota Camry is one of the best selling sedans on the market. According to Kelley Blue Book (KBB), there were over 294,000 Camrys sold in 2020. If you own a Camry, you will most likely find plenty of affordable car insurance options. These are the cheapest insurers for a Toyota Camry:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $384 $1,225
Geico $433 $1,405
State Farm $539 $1,457
Erie $409 $1,233
Amica $405 $1,378

Cheapest car insurance companies for Toyota Corolla

Toyota Corolla owners will get the lowest car insurance rates on average from USAA, Amica and Geico. However, there are more than just a few low-expense options. Drivers who do not qualify for coverage through USAA can get a low-cost policy from several other carriers. The table below includes the cheapest car insurance companies for a Toyota Corolla.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $341 $1,052
Geico $372 $1,255
State Farm $379 $1,251
Erie $450 $1,300
Amica $367 $1,404

Cheapest car insurance companies for Nissan Altima

If you are shopping for car insurance for a Nissan Altima, you may not have to spend more than $1,404 for full coverage car insurance from a trusted insurer like Amica. Minimum coverage policies may also be $450 and under, depending on the provider you choose, though your rate will depend on several personal factors. Check out the table below to see which companies offer the lowest rates for Nissan Altima insurance:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $341 $1,052
Geico $372 $1,255
State Farm $450 $1,300
Erie $379 $1,251
Amica $367 $1,404

Other car insurance coverage for sedans

If your state requires car insurance, you must carry a minimum amount of coverage, which typically includes personal liability insurance. However, there are many optional car insurance coverages that are worth considering if you drive a sedan.

One of the most popular optional coverages is roadside assistance, which usually covers the cost of towing, battery replacement and tire changes if your car breaks down. If you lease or finance a sedan, you might purchase gap insurance, which pays the difference between your car’s diminished value and your outstanding loan balance if your vehicle gets totaled. If you drive for Uber or Lyft, getting rideshare insurance could help fill gaps in your standard policy.

Frequently asked questions

What is the best car insurance company for sedans?

The best car insurance company for sedans varies. The best car insurance carrier for you will likely depend on where you live, the car you drive, what type of coverage you need, discounts you can qualify for and how much you want to spend.

How can I save money on car insurance?

There are a number of ways to save money on your car insurance premium. Most companies offer discounts that can lower your rate. You could also save money by bundling your insurance policies, paying your annual premium in full, raising your deductible or improving your credit score.

What is the difference between full coverage and minimum coverage?

Minimum coverage insurance includes bodily injury and property damage liability insurance, and is usually required by state governments. If you live in a no-fault state, minimum coverage insurance will also include personal injury protection (PIP).

Full coverage car insurance includes liability insurance, plus collision and comprehensive insurance that protects your vehicle and helps pay for repairs after a covered loss. Full coverage insurance also includes medical payments insurance, which helps pay for your and your passengers’ medical bills after a covered accident.

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 Toyota Camry, commute five days a week and drive 12,000 miles annually.

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

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). For new vs used vehicles, we also included the following years in our calculations: 2016, 2017, 2018, 2019 (base) and 2020.