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Car Insurance Premium Rates

Auto Insurance Premium Comparisons

Auto Insurance Spreadsheet Instructions

Using the online tool, you can compare premiums for new private passenger automobile insurance across companies for seven policy examples in Massachusetts. The tool produces examples of insurance premiums based on one of seven common profiles with varying levels of coverage levels and driving experience. The premiums listed are specific to each policy example and demonstrate the range of prices you can expect to find when you actually shop around. Your actual premium may differ significantly from these premiums based on your specific driving record, discount eligibility, and choice of coverage.

See below for Spreadsheet Download.

If you are interested in finding an insurance agent in your area, click on the “AgentFinder” link at any time to go to that search tool. If you are interested in finding an agent that represents a specific company, you can also click on the company name in the premium comparison which will link you to that company’s website. When you are ready to actually shop for automobile insurance, use our Step By Step Guide Auto Insurance Shopping Checklist (See below for download).

Profiles:

•One Car, One Driver, Licensed 6 years

•One Car, One Driver, Licensed 14 years

•One Car, One Driver, Licensed 20 Years

•Two Cars, Two Drivers, Licensed 12 and 14 years

•Two Cars, Three Drivers, Licensed 22, 24 and 1 year

•Two Cars, Two Drivers, Licensed 22 & 24 Years

•One Car, Two Drivers, Licensed 50 and 52 years

One Car, One Driver, Licensed 6 years

(2013Toyota Camry OR 2010 Hyundai Accent)

This profile represents a young person living and working on his\her own, driving 15,000 miles per year. This driver opts for relatively low levels of coverage with limits of $20,000/$40,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $25,000 coverage for property damage. This driver has declined collision and comprehensive coverage.

One Car, One Driver, Licensed 14 years

(2013Toyota Camry OR 2010 Hyundai Accent)

This profile is a more experienced operator living and working on his\her own, driving 15,000 miles per year. The driver opts for relatively low levels of coverage with limits of $20,000/$40,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $25,000 coverage for property damage. This driver has declined collision and comprehensive coverage.

One Car, One Driver, Licensed 20 Years

(2013Toyota Camry OR 2010 Hyundai Accent)

This profile represents a single experienced operator who owns a condo and chooses higher coverage limits. The driver has one recent accident in the last 2 years and operates his\her vehicle 15,000 annually. The policy includes coverage limits of $100,000/$300,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $100,000 coverage for property damage. He\she has $500 deductibles for collision and comprehensive and they added coverage for substitute transportation ($30/$900). This person has a condo policy with a different company.

Two Cars, Two Drivers, Licensed 12 and 14 years

(2013 Toyota Camry & 2010 Chevrolet Impala OR 2010 Hyundai Accent & 2013 Dodge Journey)

This profile represents a younger married couple with no children of driving age. Both people drive between 15,000-20,000 miles per year. One driver has a recent at-fault accident and the other has a recent speeding ticket on their driving records. This couple has chosen to protection levels of $35,000/ $80,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage, along with $50,000 in property damage coverage. They have a $500 deductible for comprehensive coverage, but no collision coverage.

Two Cars, Three Drivers, Licensed 22, 24 and 1 year

(2013 Toyota Camry & 2010 Chevrolet Impala OR 2010 Hyundai Accent & 2013 Dodge Journey)

This profile represents and older married couple with a newly licensed teenage driver in the house. One of the experienced operators has a recent speeding ticket, but the other operators have clean driving records. This family purchases Bodily Injury, Uninsured Motorist and Underinsured Motorist protection of $100,000/$300,000 to go along with $100,000 in property damage coverage. They also have $500 deductibles for collision and comprehensive coverage and they added coverage for substitute transportation ($30/900). One vehicle is driven approximately 20,000 miles per year and the other vehicle is driven 15,000 per year. This family has a home insurance policy with the same company.

Two Cars, Two Drivers, Licensed 22 & 24 Years

(2013 Toyota Camry & 2010 Chevrolet Impala OR 2010 Hyundai Accent & 2013 Dodge Journey)

This profile also represents an older but without a newly licensed teenage driver living in the house. This couple purchased coverage for Bodily Injury, Uninsured Motorist and Underinsured Motorist protection to $100,000/$300,000 and $100,000 in property damage coverage. They also have $500 deductibles for collision and comprehensive coverage and they added coverage for substitute transportation ($30/900). One vehicle is driven approximately 20,000 miles per year and the other vehicle is driven 15,000 per year. This couple has a home insurance policy with the same company

One Car, Two Drivers, Licensed 50 and 52 years

(2013Toyota Camry OR 2010 Hyundai Accent)

This profile represents a retired couple with a single vehicle and long driving histories. Both of these drivers have at least 15 years of incident free driving. This couple opted for coverage limits of $100,000/$300,000 for Bodily Injury, Uninsured Motorist and Underinsured Motorist coverage; along with $100,000 coverage for property damage. They have $500 deductibles for collision and comprehensive and they added coverage for substitute transportation ($30/$900). They operate their single vehicle less than 5000 miles annually. This couple has a home insurance policy with the same company.

If you do not have Microsoft Excel installed, you may wish to download the Microsoft Excel Viewer.

THE SECRET SCORE BEHIND YOUR RATES

You’ve heard of the FICO credit score? Meet the version insurers use to figure how much they can charge you for a policy—a score they have no legal obligation to show you.

Published: July 30, 2015

How your credit score raises your premium

Your score is used to measure your creditworthiness—the likelihood that you’ll pay back a loan or credit-card debt. But you might not know that car insurers are also rifling through your credit files to do something completely different: to predict the odds that you’ll file a claim. And if they think that your credit isn’t up to their highest standard, they will charge you more, even if you have never had an accident, our price data show.

Cherry-picking about 30 of almost 130 elements in a credit report, each insurer creates a proprietary score that’s very different from the FICO score you might be familiar with, so that one can’t be used to guess the other reliably.

The increase in your premium can be significant. Our single drivers who had merely good scores paid $68 to $526 more per year, on average, than similar drivers with the best scores, depending on the state they called home.

And your credit score could have more of an impact on your premium price than any other factor. For our single drivers in Kansas, for instance, one moving violation would increase their premium by $122 per year, on average. But a score that was considered just good would boost it by $233, even if they had a flawless driving record. A poor credit score could add $1,301 to their premium, on average.

Average difference paid by drivers with “good” score vs. those with the best score

How Does Your Credit Score Affect What You Pay?

Click on your state for details and low-premium shopping leads for drivers with excellent, good, or poor credit scores.

Average extra cost of drivers with poor scores, as compared to drivers with excellent credit

Insurance Costs by Credit Score

Rates shown are the average new-customer premium for adult single drivers with a clean driving record and poor, good, or excellent credit. We compare these to the average premium for a driver with excellent credit and a driving while intoxicated (DWI) conviction.

Excellent Credit

Good Credit

Poor Credit

Excellent Credit
with DWI

Excellent Credit

Good Credit

Poor Credit

Excellent Credit
with DWI

Got poor credit?
Your best and worst insurance company choices*

Best Bets for Your Credit Score

Use these price quotes as a starting point to get shopping. They represent the average premium for our single adult drivers; prices will vary by ZIP code.

Excellent Credit

Good Credit

Poor Credit

Consumers are kept in the dark

Because insurance companies are under no obligation to tell you what score they have cooked up for you, you have no idea whether you have a halo over your head or a bull’s-eye on your back for a price increase.

Car insurers didn’t use credit scores until the mid 1990s. That’s when several of them, working with the company that created the FICO score, started testing the theory that the scores might help to predict claim losses. They kept what they were doing hush-hush. By 2006, almost every insurer was using credit scores to set prices. But two-thirds of consumers surveyed by the Government Accountability Office at about the same time said they had no idea that their credit could affect what they paid for insurance. Even today, insurers don’t advertise that fact. They usually won’t tell you what your score is; they don’t have to. If a sudden drop in your score causes them to raise your rates or cancel your policy, you’ll receive a so-called adverse action notice. But those notices “provide only cryptic information that’s of limited use,” says Norma Garcia, senior attorney and manager of the financial services program at Consumers Union, the advocacy arm of Consumer Reports.

California, Hawaii, and Massachusetts are the only states that prohibit insurers from using credit scores to set prices. In those states, insurers base premiums largely on a consumer’s driving record, the number of miles driven per year, and other factors. According to a 50-state study of insurance regulations by the Consumer Federation of America in 2013, California’s pricing practices, enacted as part of Proposition 103 in 1988, saved $8,625 per family during those 25 years.

You pay for accidents you didn’t have

You buy car insurance so that you’re protected financially in the event of a car crash. But an unfair side effect of allowing credit scores to be used to set premium prices is that it effectively forces customers to dig deeper into their pockets to pay for accidents that haven’t happened and may never happen.

For example, our single New Yorkers with good credit scores and clean driving records would pay an average of $255 more in annual premiums than if they had excellent credit scores. In California, those same drivers wouldn’t have to pay a penalty for having only “good” credit.

In the states where insurance companies don’t use credit information, the price of car insurance is based mainly on how people actually drive and other factors, not some future risk that a credit score “predicts.”

That pricing dynamic also artificially reduces the true sting of careless driving in states like New York. If you have an accident, your premium takes less of a hit because you have already paid for the losses that your merely “good” score predicted you would have. In California, the $1,188 higher average premium our single drivers had to pay because of an accident they caused is a memorable warning to drive more carefully. And the more carefully people drive, the safer the roads are for everyone. In New York, our singles received less of a slap, only $429, on average.

Price me by how I drive, not by who you think I am!

The price of car insurance should be based on how well and how much we drive. Instead, companies charge based on credit history, shopping behavior and more. Your state’s insurance commissioner can do something about that.

Sign our petition

  • To:
  • 50 State Insurance Commissioners,
    Members: National Association of Insurance Commissioners (NAIC)

Price me by how I drive, not by who you think I am!

Thank you for signing our petition!
Now turn up the heat!

Take one more moment right now to demand immediate action for fair car insurance. Tweet to @NAIC_News or use our FREE 800 line to call your own state’s insurance commissioner. The nation’s insurance commissioners set standards for auto insurance and make recommendations to state lawmakers. If they say we need to base rates on how well and how far we drive, not our credit score, our shopping history or our gender, then state lawmakers will take notice and companies will begin to change.

call 1-855-384-6331

#FixCarInsurance @NAIC_News

Should You Get a Credit Score Exception?

During the Great Recession of 2007-9, legislators in states across the country became alarmed that the ailing economy’s impact on credit scores would jack up their constituents’ insurance costs. They scrambled to strengthen “extraordinary life circumstances exceptions” in state laws that allow insurers to set prices based on credit-score information. Partly as a response, 29 states adopted so-called NCOIL (National Conference of Insurance Legislators) provisions. Many of them allow consumers to request that their insurer not use credit scoring against them if they were affected by circumstances beyond their control, such as unemployment, divorce, serious illness, the death of a spouse, and identity theft.

But the provisions are weak. For one thing, “notification of extraordinary life circumstances exceptions is not required under most state laws,” says Neil Alldredge, senior vice president of state and policy affairs for the National Associate of Mutual Insurance Companies (NAMIC). And it’s not clear whether insurers adequately make consumers aware that those exceptions even exist.

Amica, which has more than 670,000 policies in force, said it receives only one such request per month. State Farm, the nation’s largest insurer, told us it can’t say how many requests it gets or how many are granted. “But I can tell you those numbers are small,” said Dick Luedke, a spokesman. “We are talking, after all, about ‘extraordinary’ life events.” Representatives from NCOIL and NAMIC said their organizations don’t keep track.

7 Ways to Fight Unfair Pricing

Request an “extraordinary life circumstances exception” if you receive an adverse action. You should get one of those notices if credit scoring causes a higher premium, a reduction in coverage limits, a cancellation or nonrenewal of your policy, or a denial of coverage to begin with.

Shop at the companies that charged our model drivers with good and/or poor credit scores the lowest premiums. Check our state map for details

Monitor your credit reports to make sure they’re accurate, and ask to be rescored if you’ve found and corrected errors in your file. That’s important, because the information that determines your insurance credit score is plucked from them. Get your free yearly report from all three credit bureaus at annualcreditreport.com.

Use credit that insurer scoring models favor: national bank-issued credit cards (AmEx, Discover, MasterCard, and Visa).

Keep credit-card balances in check; the higher the balance, the more points you lose on your score

Avoid certain types of credit that insurance company credit-scoring models penalize you for: department-store credit cards, instant credit offered by stores to move big-ticket items; credit accounts from your local tire dealer, auto-parts store, or service station; and finance-company credit, including retailer credit cards.

Try not to add new credit. Scoring systems look askance at those who open new credit accounts frequently, and they can penalize you for just shopping around for credit because credit inquiries appear on your credit report.

The Problem With Uninsured Drivers

You share the road with an estimated 30 million uninsured drivers, according to the Insurance Research Council. Although every state except New Hampshire mandates that drivers have insurance coverage, some slip through the net of state enforcement by buying coverage to register a car, then letting it lapse.

It’s easy to demonize those consumers by assuming that they choose not to buy a product they can easily afford. “There are individuals out there who like to live on the edge” and drive without insurance, says an Allstate Web video.

But insurance credit scoring, which links customers’ premium prices to their creditworthiness, raises the cost of insurance for some low-income drivers and might make it unaffordable to them. In fact, research by the Consumer Federation of America found a strong correlation between state poverty rates and the percentage of uninsured drivers in a given state, which ranges from 4 percent in Massachusetts to 26 percent in Oklahoma.

What’s worse, our own data show that when the uninsured try to get back on track and buy coverage, insurers tack on an additional price penalty. Our single policyholders who had a 60-day lapse in their coverage got socked with a $207 higher premium on average nationally. The penalty varied by state and ranged from zero in California to $834 per year in Michigan.

Insurers, however, dismiss the problem and say that insurance is plenty affordable for the poor. “Low-income consumers already spend more on alcohol and tobacco products or audio and visual equipment and service than they pay for auto insurance,” says the National Association of Mutual Insurance Companies.

Taxing the poor through credit scoring and by other means not related to driving causes problems for all insured drivers, because painfully high insurance prices tempt financially strapped consumers to drive without insurance. That, in turn, is why we recommend uninsured/underinsured motorist protection, which covers your losses caused by another driver who has insufficient or no car insurance. UI/UIM insurance added $10 to $230 per year to our single drivers’ bill, on average, depending on the state.

Car insurance rates by state, 2017 edition

By Penny Gusner, Insure.com – Last updated: July 28, 2017

For the fourth consecutive year, Michigan “wins” for the most expensive state for car insurance. Insure.com’s annual state-by-state comparison of average annual premiums found Michigan’s average premium to be $1,076 higher than the national average annual premium.

The Wolverine State has never been below third place in all the years the study has been conducted. Louisiana moved up to the second spot after placing fourth last year on the expensive list.

Rural states rule the inexpensive list. Maine heads up the cheap states with Ohio and Idaho ranking No.2 and No. 3 respectively.

Car insurance rates among states vary widely, from $864 in Maine to $2,394 in Michigan. The national average premium for the full-coverage policy reviewed by the Insure.com study is $1,318, down one percent from last year’s amount.

Use the interactive map below and hover over any state to display the average annual rate, comparison to national average, and the percent of change from last year.

Car insurance rates are based on a variety of risk factors. Some factors you can’t control, such as your age, but many you can — such as your driving record, claims history and credit score. You can also control the car you purchase and where you live. Location, location, location isn’t just a mantra for buying a house in a nice area with a good school district; it’s also normally a big rating factor for auto insurance companies.

State car insurance requirements vary from one state to the next, as do the amount of claims — especially for weather-related items such as hail damage, which can affect rates. There are other factors that affect state insurance rates, some of the main ones being state laws, local court systems, crime, traffic and crash rates.

The percentage of uninsured drivers in the state and how much competition there is among the car insurance companies also affects car insurance rates. Typically, having more auto insurance providers in your state will provide you with a better opportunity to obtain cheaper rates.

Most expensive states for car insurance

#1 Michigan

Michigan has dominated the top spot for expensive states by capturing the No. 1 spot five of the eight years Insure.com has conducted the study. Beyond the last four years, Michigan was also pronounced the most expensive in 2011 and placed second in 2010 and 2013. The lowest it has come in was third in 2012. This year Michigan’s average annual premium is $2,394 — 82 percent higher than the national average of $1,318.

Michigan’s unique no-fault car insurance system is the culprit for the high annual car insurance rates. Not unlike other no-fault states, Michigan requires car owners to buy personal injury protection (PIP) coverage that pays for the medical expenses of the policyholder and household residents if they are injured in an auto accident. This coverage also extends to passengers who don’t have their own PIP insurance.

Where Michigan’s coverage becomes unusual are the limits.

Other no-fault states place a limit on the PIP amount; Michigan’s PIP policy instead guarantees unlimited lifetime medical benefits to those injured in an auto accident. Car insurance companies pay up to $555,000, and then the nonprofit Michigan Catastrophic Claim Association (MCCA) picks up medical expenses exceeding that limit. Michigan drivers help fund the MCCA by paying an annual assessment fee. Currently it is at $170 per vehicle.

Insurance fraud also helps push the auto insurance premiums higher. The Michigan Insurance Fraud Awareness Coalition estimates that around 10 percent of all no-fault claims are fraudulent, costing insurance companies about $150 million. It concludes that this crime costs Michigan motorists $200 to $300 each year in higher car insurance costs.

The high cost of auto insurance in Michigan results in many drivers unable to afford a policy but who continue to drive. Michigan is estimated to have 21 percent of drivers on the road operating without car insurance. A large number of uninsured motorists prods car insurance rates higher because there are fewer insured drivers paying premiums to help offset the risks taken on by the car insurance companies.

#2 Louisiana

In 2010, 2012 & 2013 Louisiana held the mantle of the most expensive state. Louisiana dropped down to fourth place the last couple of years but is back up to second place with an annual premium of $1,921, which is 46 percent higher than the national average.

Like Michigan, Louisiana has a higher than average amount of uninsured motorists on the road.

Nearly 14 percent of Louisiana drivers are estimated to be driving without insurance. And, a lot of insured motorists only carry a bare bones policy.

According to Louisiana’s Insurance Commissioner Jim Donelon, about 40 percent of drivers carry the minimum car insurance limits required by state law. With a lot of “working poor” in Louisiana, Donelon has noted that those in auto accidents see ads by lawyers saying they will get them money and feel entitled to get a big check for a minor accident. Thus litigation is another reason that Louisiana car insurance rates are so high.

Donelon has cited as an example of the excessive amount of litigation by highlighting the Louisiana Farm Bureau. This insurer is part of a six-state chain of insurance providers; it carries around 17 percent of the policies from the six states, but handles a whopping 50 percent of the lawsuits resulting from auto accidents. When insurers pay out more in claims, the cost is passed to motorists in the form of higher premiums.

Rates in Louisiana also continue to rise due to additional reasons that Donelon has pointed out – widespread distracted driving and cheap gas.

The Louisiana Highway Safety Commission reported that from 2011 to 2015, 192 people in Louisiana died and almost 27,000 people were injured because of a distractions. Cheaper gas results in more drivers out on the road, who now are more distracted than ever, which leads to more accidents. The cycle continues as the claims could then end up in litigation.

#3 Connecticut

Connecticut grabbed third place with an average annual premium of $1,897; a cost that is 44 percent more than the national average.

One reason for the high rates — the Nutmeg State has a higher density of vehicles on the road per square miles than most other states. Anyone who has driven on Route 95 in Connecticut in the summer knows how many cars cram onto that highway. That isn’t good for a driver’s blood pressure and the accidents that result from the congested roads hiked up auto insurance rates.

Katharine L. Wade, Connecticut insurance commissioner, says another reason for the higher rates is that Connecticut residents purchase higher amounts of liability coverage and full coverage for their cars. According to the NAIC, Connecticut has the highest disposable income per capita of $58,747. This results in many residents buying more expensive vehicles and paying more in insurance costs for them. Or, even those with lower liability limits and cheaper cars potentially paying out a lot in claims due to a number of expensive cars on the roadway that they could damage.

Wade also says Connecticut auto insurance rates have been steady the last two years with rate increases of 3.1% and 4.4% over the past two years.

The way rates are filed may be another reason for higher rates in Connecticut. Insurance companies can set rates in Connecticut with few state oversight regulations. In, cheaper states the rate-filing rules are a more stringent. North Carolina requires insurance companies to get prior approval from state regulators. Vermont requires prior approval, rates to be filed at least 30 days before the proposed effective date and rates can be disapproved for lack of supporting information.

Connecticut drivers have more than 100 auto insurance companies for motorists to choose from, so shopping around the various competitors is a wise idea to find the best rates.

The high cost of car insurance pushes many drivers out of the market. According to the Insurance Information Institute (III), an estimated 21 percent of Michigan drivers were uninsured in 2012. High numbers of uninsured drivers raise rates because there are fewer drivers (and their premiums) to share the risk pool.

The high cost also leads to – while technically legal – unscrupulous behavior. Some Michigan drivers will purchase a seven-day policy (which insurers in Michigan sell) so they have proof of insurance when registering their vehicle and then let the policy expire after a week, leaving them uninsured.

Unfortunately, rates are probably not coming down anytime soon. Until the PIP requirement is changed or ditched altogether, insurance rates will remain high in Michigan.

Cheapest states for car insurance

#1 Maine

Quiet, rural and truly tranquil is how Maine is thought of and that also helps toexplains why car insurance premiums are so cheap here. A lack of huge urban areas and congestion that metro areas bring helps keep car insurance rates low. Maine nabbed the top spot for least expensive states this year with an annual average premium of $864, which is 34 percent less than the national average.

Maine Bureau of Insurance Superintendent Eric Cioppa says reasons for the lower rates are because the state’s auto insurance industry isn’t heavily regulated and it is one of the most competitive auto insurance markets.

Maine weather also plays a role, as there typically are no tornados or hail storms, both of which hike up rates because they cause many drivers to file claims all at once. And Maine has responsible car owners. Only Massachusetts has fewer drivers uninsured. The national average is 1 in 8 drivers being uninsured, while it’s less than 1 in 20 in Maine.

To save even more on insurance, Cioppa recommends that drivers shop around, work to become a safe driver, pay your premiums online, improve your credit history, make sure you ask about discounts and choose the highest deductible you can afford so you’ll pay lower premiums.

#2 Ohio

Competition is big in Ohio – and we aren’t just referring to how OSU fans feel about football. Ohio Department of Insurance Director Jillian Froment says strong competition in the auto insurance market (nearly 250 insurance companies) helps contain costs, as well as allowing Ohioans “more options to find the right policy at the right price.” Froment adds that Ohio has “fair and vigilant regulations” that helps support consumers.

Ohio’s annual average premium is $919, 30 percent cheaper than the national average – though up two percent from last year’s cost.

Ohio’s recent annual auto insurance rate has been small and remained steady with inflation, Froment notes. Ohioans who have seen a bump up in auto insurance can go comparison shop and may be able to find lower premiums elsewhere.

#3 Idaho

The cheapest car insurance in the western U.S. is found in Idaho. With an average annual premium of $942, it’s 29 percent cheaper than the national average and the only state out west with rates under $1,000.

Idaho benefits from a rural population, moderate weather, and a competitive marketplace with 185 auto insurance companies competing for business. It also helps to have a “friendly” regulatory environment and a lower rate of litigious activity involving auto accidents. That all leads to lower auto insurance premiums, says Elaine Mellon, Idaho’s Consumer Services Bureau chief.

She says her office advises consumers to get the level of coverage that fits their needs rather than just going with the cheapest coverage.

“Many insurers offer a variety of discounts, and we try to provide consumers with an awareness of some of the factors that may keep their rates low,” says Mellon.

Whether you’re located in an expensive state or cheap state – or one somewhere in between – comparison shop to get the best premiums possible. Each auto insurance company rates differently on risk factors and finding one that gives the best overall rates for your combination of qualities (good and bad) can save you hundreds of dollars a year.

View our slideshow on the top five most and least expensive states for 2017 for more information.

Best-selling vehicles in 2017

The annual study compiled annual rates from six large insurance carriers in 10 ZIP codes in every state. A hypothetical driver with a full-coverage policy is used. The driver is a 40-year-old male who has a clean driving record and good credit history.

To keep from skewing the data with high-end luxury and sports vehicles, the study averaged rates for the 20 best-selling vehicles in U.S. for the first quarter of 2017. Each model was rated on its cheapest-to-insure trim level. You can see rates for more than 2,800 models in Insure.com’s Most and Least Expensive Vehicles to Insure tool. This year’s 20 best-selling vehicles includes:

  1. Ford F-150 XL
  2. Chevrolet Silverado 1500
  3. Ram 1500 Express
  4. Nissan Rogue S
  5. Honda CR-V LX
  6. Toyota Camry LE
  7. Honda Civic LX
  8. Toyota Corolla L
  9. Toyota RAV4 LE
  10. Ford Escape SE
  11. Nissan Altima 2.5 S
  12. Honda Accord LX Sensing
  13. Ford Explorer XLT
  14. Chevrolet Equinox LTZ
  15. Jeep Grand Cherokee Laredo
  16. Hyundai Elantra GT
  17. Chevrolet Cruze Limited
  18. Nissan Sentra S
  19. Ford Fusion S
  20. GMC Sierra 1500

Source: autoNXT best-selling vehicles for first quarter of 2017

This apples-to-apples comparison is different than other research, such as the rate comparison conducted by the National Association of Insurance Commissioners (NAIC). The NAIC’s numbers display the average amount that state residents spend for auto insurance, regardless of the type of car they insure or amount of coverage they purchase.

Additional reporting by Les Masterson

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