“Repair and replacement costs are a huge factor for insurance rates,” says Zach Lazzari, founder at Cross Border Coverage.

Wondering which cars are the most expensive car to insure? We've broken down the pricing so you don't have to.

The average annual cost for full coverage insurance on a new 2025 or 2026 car is $2,879. Newer vehicles are 34% more expensive to insure on average, partly due to advanced driver-safety technology.

Insurance costs can very quickly add up, so for budget-conscious buyers looking at their next new vehicle, choosing something that’s inexpensive to insure can prove to be a huge help in the long term.