What consumers pay for full coverage auto insurance in 2025 largely depends on the type of vehicle they drive, according to a report by Bankrate.
On average, U.S. drivers pay $2,678 per year, or $223 per month, for full coverage.
“The price and availability of parts, cost of labor, statistical likelihood of accidents, how much damage your vehicle could cause during an accident and the vehicle’s safety and crash prevention features could all influence how much you pay for coverage,” Bankrate said in the report. “Your rate may also be higher or lower based on multiple factors unique to you, including your driving history, where you live and the type of coverage you need.”
Vehicles that may carry higher insurance costs include:
- High-end vehicles, like luxury or sports cars: High-value vehicles cost more to insure because they often cost more to replace as well as to repair. Sports cars and sporty versions of luxury models also present an added risk of at-fault accidents thanks to powerful engines and high top speeds.
- SUVs, vans and other large vehicles: While large vehicles like SUVs and vans can reduce the risk of damage to your vehicle or injuries to your passengers, they can cause more damage to other vehicles and their occupants, leading to higher liability costs.
- Common, more affordable vehicles: Economy cars may be more affordable upfront, but their lack of advanced security and safety features could increase your risk of claims. Cheap Hyundai and Kia models, for instance, are common theft targets due to a lack of key security features.
- Hybrid and electric vehicles: The insurance cost gap between electric and hybrid cars and their gas-powered counterparts is closing, but not gone. EVs come with steep repair costs thanks to expensive parts and specialized labor, which can lead to higher rates for comprehensive and collision coverage.
- Vehicles with low safety ratings: Opting for a car with lower safety ratings could raise the base rate you pay for insurance, since these vehicles may have a higher chance of getting into accidents and can sustain more damage in the event of a crash.
Meanwhile, the Jeep Wrangler, Ford F-150 and Subaru Outback all come in under the U.S. average at $2,366, $2,608 and $2,208 per year, respectively.
The slideshow above illustrates the safest small cars in 2025 as selected by the Insurance Institute for Highway Safety.
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