Vehicle type is among the most important factors that impact insurance pricing.
Different vehicles present different levels of risk and repair cost, CarInsurance.com author Brent Buell explains in a recent article about auto insurance pricing in 2026. Vehicles that are more expensive to repair or replace, more likely to be stolen, or more likely to be involved in severe crashes generally cost more to insure.
Other factors that carry weight when determining insurance premiums include vehicle value, safety features, theft rates, performance, claim history and driver behavior.
The slideshow above breaks down vehicle types and their corresponding average annual insurance rate, according to CarInsurance.com.
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