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

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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?

The national average cost of car insurance is $1,674 per year, according to Bankrate’s review of premium data from Quadrant Information Services. However, your premium will likely vary based on several factors highly personalized to you, including your vehicle’s make and model. Different vehicles have different crash statistics, replacement part costs and safety features which can represent varied levels of financial risk to insurers. Here’s a closer look at some of the biggest factors that can affect the cost of your car insurance:

  • Crash rate stats per make/model: Some vehicles are associated with a much higher rate of crashes and injuries 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). Cars with higher safety ratings may have lower car insurance premiums, as these features can reduce the severity or extent of damage and injuries.
  • Price of parts: Some cars are much cheaper to repair than others due to the cost of 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. If you drive a sedan that is expensive to repair – as is the case with some electric vehicles – or is made with parts that need to be imported from overseas, you may pay higher rates for car insurance than you would with a domestic sedan.
  • Safety features: Safety features for sedans may include front and side airbags, stability control, brake assist, anti-lock brakes, backup cameras and lane departure sensors. Driving a car with these safety features and others can reduce the risk and severity of a crash, which may help you get a cheaper car insurance premium or qualify for specific discounts.

Car insurance for a sedan

The sedan insurance rates below may be useful for comparison, but keep in mind that car insurance rates are highly personalized to each driver. Regardless of the make and model you drive, your auto insurance premium may vary based on individual characteristics such as your driving record, claim history, location, age, gender and credit score.

Some of these rating factors are state-specific, such as credit score and gender. However, most carriers will assess a combination of these criteria when calculating your unique premium. Your auto insurance rate could be higher or lower than average for your state (or make and model), based on your overall driving history.

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, prices of parts and crash statistics.

To help you find the best sedan insurance, we pulled sample rate data for some of the most popular makes and models. The IIHS included the Honda Civic, Honda Accord, Nissan Altima and Toyota Camry among its top safety picks for 2022, which means these vehicles are highly rated for safety and crash testing.

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 may be among the most affordable options, on average. Below, we compiled average annual premium data for each make and model from some of the largest insurance providers, by market share, so that you get a better idea which option may be the cheapest for you. Keep in mind that your actual rates will vary based on your personal characteristics and situation. You may want to obtain a few 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

Newer model sedans commonly come equipped with safety features, which can beneficially impact the cost of your car insurance. When comparing quotes, be sure to mention these features to see if the insurer offers any specific discounts that you may be eligible for. Here are a few of the common safety features that may help you save on sedan car insurance costs:

  • Front and side airbags: Front airbags are standard, but the optional side airbag has proven benefits. These optional airbags have been shown to reduce the risk of death in driver-side crashes by almost 40%.
  • Blindspot 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 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 automatically pumps the vehicle’s brakes 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, keep state insurance laws in mind. Nearly every state requires car insurance. Each state has different regulations, too, which means rates will differ by state.

Car insurance for sedans includes the same coverage options as with other vehicle types. Liability insurance is usually required, and depending on your state, you may be required to carry coverage types, such as uninsured motorist, underinsured motorist, medical payments or personal injury protection (PIP). However, most insurance experts recommend purchasing more robust coverage, such as higher coverage limits or optional coverage types. Some drivers may even opt for more coverage options for better financial protection in the event of a crash. You could purchase collision coverage, which covers the cost of damage to your own vehicle in a collision, and comprehensive coverage, which covers damage after something other than a collision. Comprehensive coverage applies towards damage from occurrences like falling objects or hitting an animal, or theft of your vehicle. If you lease or finance your vehicle, comprehensive and collision coverage are usually a requirement of your loan terms.

Other add-on coverage types from many car insurance companies include roadside assistance, new car replacement, gap insurance, custom equipment coverage and accident forgiveness.

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.