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When you compare car insurance, one of the first questions you'll need to answer is the make and model of the vehicle you need to insure. That's because it's a major factor in determining your car insurance rates. 

The make and model of your vehicle have a big impact on car insurance rates. Vehicles that are more expensive to repair will cost more to insure. That means a high-end luxury car will cost more to insure than a base-level economy car.

If you're shopping for a new car, it's important to take car insurance cost into consideration, especially if you're on a tight budget.  Compare car insurance quotes for all of the vehicles you're considering so you can get a complete picture of your monthly costs for that car.

The same goes for a car you already own. Auto insurance rates by make and model differ from company to company. That means shopping around can get you the best car insurance rates on any vehicle.

So how much does car insurance cost for your car's make and model? Read on to learn more about how make and model impact car insurance and compare auto insurance rates for various vehicle types.

What is the make and model of a car?

A car's make is the company that manufactures it. For example- Honda, Ford, Toyota, Chevrolet, and Nissan are some of the car makes or manufacturers.

A car's model is the name for that specific type of car.  For instance, if you own a Honda Civic, 'Honda' is the make (manufacturer) and 'Civic' is the model.

In addition to make and model, cars have different trim levels. With a Honda, for example, you may see EX or LX. This indicates what features the car has, like a sunroof or power seats, and can also impact insurance rates.

How does make and model affect car insurance cost?

Insurance companies gather a lot of data to determine car insurance rates. Data on each make and model is part of that calculation. A big part of that is the value of the car and the cost to repair it.

For example, a Porsche costs a lot more to buy and also costs more to repair because of high-end parts. On the other hand, a Kia costs less and also tends to have lower repair bills. 

At the model level, it's much the same. A more expensive model like the company's top-end SUV will cost more than the base model compact sedan.

In addition to cost factors, insurance companies look at safety ratings, crash statistics, and theft statistics to calculate car insurance rates.

Below, you can choose a vehicle make to explore rates for various models and trim levels. As you compare auto insurance rates, be sure to use a car insurance calculator to make sure you're getting the coverage you need at the best price.

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