Car insurance › Vehicle type
Car insurance by vehicle type
What you drive changes what it costs to repair or replace, so it mostly affects collision and comprehensive coverage. Here’s how vehicle types compare for full coverage.
Relative full-coverage cost by vehicle type
Each type’s full-coverage average from Insurify, compared with the middle of the types listed (100 = middle). SpendySaver’s estimator multiplies your state’s average by this factor.
| Vehicle type | Relative cost | Example: Ohio full coverage | Example: US average full coverage |
|---|---|---|---|
| Minivan | 81 | $77/mo | $109/mo |
| Pickup truck | 93 | $88/mo | $125/mo |
| SUV / crossover | 94 | $89/mo | $127/mo |
| Sedan | 105 | $99/mo | $142/mo |
| Sports car | 130 | $123/mo | $175/mo |
| Electric vehicle | 164 | $155/mo | $220/mo |
Liability coverage depends mostly on the driver and where they live, so SpendySaver doesn’t adjust liability-only estimates for vehicle type.
Estimate for your state
Choose a state, or enter your ZIP code above, to see typical prices.
Sources
- Average Car Insurance Rates by Vehicle Type, Insurify (updated Nov 6, 2026; same figures as its Dec 1, 2025 update). Used only as relative factors: each type’s full-coverage average compared with the middle of the types listed.
- 2024 Auto Insurance Database Average Premium Supplement, National Association of Insurance Commissioners (NAIC). Statewide averages for 2024, the latest year published (released in 2026). Averages are not quotes and do not reflect your age, ZIP code, credit, limits or deductibles.