10 Most Expensive Non-Luxury Cars to Insure

A lot of factors can influence your car insurance premium, including where you live, how much you drive, and even whether you're married. That last one hardly seems fair since you can't solely control how relationships work out. Luckily, you're in the driver's seat for most factors, such as the type of car you drive.

FinanceBuzz used data from Insurify to put together a list of the 10 most expensive vehicles to insure, so you know which ones to consider avoiding if you want to save on car insurance. Depending on how much you like your car, you might decide it's better to break up with it to save some money.

Editor's note: Car prices are sourced from Edmunds. 

Smart Drivers, Smarter Savings

Compare car insurance rates in Ohio

See if you qualify for a lower rate in less than 2 minutes

Check Rates

By clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

Average annual cost for full-coverage auto insurance: $1,995

The Honda CR-V is a dependable, popular vehicle for people who want roomy interiors and smooth rides. With a price of around $30,000 for the typical 2024 model, buying one doesn't exactly break the bank, either.

However, insurance companies might charge higher-than-average premiums for the CR-V because it's one of the 10 most stolen vehicles in more than a dozen states.

Average annual cost for full-coverage auto insurance: $2,180

The Toyota RAV4 has a pretty affordable price (new ones sell for $30,000 to $39,700) and very good safety scores.

It's a common target for thieves in several states, which might account for its high insurance premium.

Average annual cost for full-coverage auto insurance: $2,238

Sure, $2,238 per year for auto insurance is a bit steep. It doesn't seem overly expensive, though, when you consider that some versions of the F-Series cost over $80,000.

Hopefully, you won't end up paying that much if you opt for a more affordable model.

Average annual cost for full-coverage auto insurance: $2,306

It's unclear why insurance companies charge high premiums for the Nissan Rogue. The small SUV gets top ratings from the Insurance Institute for Highway Safety (IIHS) and overall positive reviews from owners.

You can expect to spend about $30,000 on a 2024 Rogue. Despite the favorable reviews and affordable price, its average premium landed it on this list.

Average annual cost for full-coverage auto insurance: $2,365

Many Silverado owners purchase their vehicles for a little over $44,500, which is quite affordable given the truck's reliability and power. Some owners, however, spend closer to $72,000 on luxurious details. That pushes up the average annual cost of insurance.

If you have a more modest version, you probably won't pay an astronomical insurance premium. Choosing a fancier option, however, likely means that you will continue to pay for the luxury.

Average annual cost for full-coverage auto insurance: $2,388

You can buy a new GMC Sierra for about $45,500. Then again, the upper trim options cost closer to $84,500. At that price, you can expect to pay high premiums. Of course, those who choose less expensive options should benefit from lower insurance costs.

Regardless of the version you choose, expect a spacious interior and a responsive touchscreen.

Average annual cost for full-coverage auto insurance: $2,600

The Honda Civic gives you a lot for your money. Purchasing a new one will cost between $25,000 and $31,700. In return, you get an exceptionally reliable vehicle with a peppy engine, roomy interior, and impressive tech features.

Sure, you end up paying a relatively high insurance premium, but you can expect this car to maintain its high value as it ages.

Average annual cost for full-coverage auto insurance: $2,640

The Toyota Camry is an extremely popular car for good reasons. It offers excellent fuel economy, a stylish interior, and a smooth ride at a reasonable price. Expect to pay about $27,500 for a new one.

The Camry's popularity also makes it a popular target for thieves who know they can make money selling them on the black market. That might force insurers to charge higher premiums.

Average annual cost for full-coverage auto insurance: $2,646

A top-of-the-line Ram Pickup 1500 can cost at least $98,000. Plenty of options sell for closer to $44,000, but those higher trim models increase the average premium cost.

If you're willing to pay the price, though, you get a comfortable cabin, smooth ride, and turbocharged engines that can tow up to 11,580 pounds.

Average annual cost for full-coverage auto insurance: $3,996

A new Tesla Model Y costs about $44,000 to $53,000, making it one of the most expensive vehicles on this list. High prices usually mean that insurance companies charge higher premiums, so it's not surprising to find the Model Y here.

The Model Y does have an impressive 300-mile range, though, so it's still a top option if you want an EV.

Does owning one of these vehicles mean you should sell it for a model that's cheaper to insure? Not necessarily. You still have some control over your rates. Perhaps one of the smartest car owner moves is to get quotes from several insurers to compare and choose an option that fits your budget.

You can also work on lowering your annual insurance premium by staying safe on the road, driving less, and improving your credit score. Maybe even tie the knot, although that seems a bit extreme. Perhaps it depends on how much you save.