These 10 Cars Will Make Your Insurance Go Up
Full-coverage car insurance rose, on average, 10% over the last year.
In actual dollars, according to Insurify.com, the average rate rose from $2,102 to $2,302 in the last 12 months. Naturally, though, not all cars rose the same amount. Some cars saw their average insurance costs skyrocket by nearly a third over the last year.
Cars with the sharpest increase in insurance premiums: |
|---|
1. Tesla Model Y: 29% ($3,996) |
2. Tesla Model 3: 24% ($4,364) |
3. Tesla Model X: 22% ($4,046) |
4. BMW 5 Series: 19% ($3,229) |
5. Toyota Prius: 18% ($2,151) |
6. Hyundai Santa Fe: 15% ($2,241) |
7. Honda Accord: 14% ($2,623) |
8. Hyundai Elantra: 14% ($2,851) |
9. Honda Civic: 13% ($2,600) |
10. Hyundai Sonata: 12% ($2,735) |
Insurify points out that all of the vehicles in the top 10 have some sort of electrified drivetrain, some as standard equipment, and others optional. The top 3, all Tesla models, are fully electric, while the Toyota Prius comes standard with hybrid power. The BMW 5 Series, Honda Accord, Hyundai Elantra, Honda Civic, and Hyundai Sonata all have optional hybrid drivetrains.
What’s driving these insurance cost increases varies from vehicle to vehicle. The Honda Accord and Civic both rank highly on the list of vehicles most likely to be stolen. Models from Hyundai are also stolen more often than average, partially due to the popularity of some unfortunate social media challenges.
Kelly Blue Book says a Tesla costs, on average, $1,347 more to repair than a gas-powered car. Other automakers that offer electric cars in addition to gas-powered machines fare better, averaging a much smaller $269 more for EVs than other types. Hybrids also tend to carry larger repair bills than cars powered by traditional internal combustion engines.
Further, Mark Friedlander, senior director of media relations for the Insurance Information Institute, said, “[Tariffs] could also cause long delays for repairs similar to the supply chain disruption and escalation of replacement costs we saw from 2020 to 2022. This generated a 45% cumulative increase in replacement costs for vehicles.”
This study was based on more than 97 million quotes for full-coverage car insurance rates between 2024 and 2025.
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Growing up in a family obsessed with performance and as the son of an automotive engineer, Jeremy Korzeniewski has spent his entire life as a car enthusiast. Also an avid motorcyclist, Jeremy has spent the last two decades writing about the transportation industry and providing insights to many of the largest automotive publications in the world.
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