Cheap Ford Fusion Plug-in Hybrid Car Insurance in 2024 (Save With These 10 Companies!)
The top companies for cheap Ford Fusion Plug-in Hybrid car insurance, starting at $68 per month, are State Farm, USAA, and Erie. These providers offer competitive rates due to their comprehensive coverage options, excellent customer service, and substantial discounts, ideal for budget-conscious drivers.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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UPDATED: Jun 16, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Min. Coverage for Ford Fusion Plug-in Hybrid
A.M. Best Rating
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17,757 reviews
6,434 reviews
Company Facts
Min. Coverage for Ford Fusion Plug-in Hybrid
A.M. Best Rating
Complaint Level
Pros & Cons
6,434 reviews
1,814 reviews
Company Facts
Min. Coverage for Ford Fusion Plug-in Hybrid
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
The top picks for cheap Ford Fusion Plug-in Hybrid car insurance are State Farm, USAA, and Erie, with State Farm offering the best overall rates. These providers excel due to their competitive premiums, comprehensive affordable coverage, and exceptional customer service.
State Farm starts at just $68 per month, making it the most cost-effective option. USAA and Erie also provide competitive rates with significant discounts for safe driving and bundling policies. Additionally, factors like your location, driving record, and vehicle safety features can further influence your insurance costs.
Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | $68 | B | Market Leader | State Farm | |
#2 | $71 | A++ | Military Focus | USAA | |
#3 | $72 | A+ | Regional Presence | Erie | |
#4 | $73 | A+ | Large Network | Nationwide | |
#5 | $74 | A++ | Customer Service | Auto-Owners | |
#6 | $75 | A+ | Competitive Rates | Progressive | |
#7 | $76 | A | Budget Friendly | Mercury | |
#8 | $78 | A++ | Discount Options | Travelers | |
#9 | $82 | A | Family Discounts | American Family | |
#10 | $85 | A | Policy Bundling | Liberty Mutual |
Comparing quotes from these top companies ensures you get the best deal for your insurance needs. Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.
#1 – State Farm: Top Overall Pick
Pros
- Bundling Policies: Our analysis of State Farm insurance review and ratings reveals State Farm offers significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
- Wide Coverage: State Farm offers various coverage options tailored for different needs.
- Strong Customer Service: State Farm is known for its reliable and responsive customer service.
Cons
- Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
- Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.
- Availability: State Farm may not be available in all areas.
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#2 – USAA: Best for Military Focus
Pros
- Exclusive Military Benefits: USAA offers special benefits and discounts for military members and their families.
- Exceptional Customer Service: According to our USAA insurance review & ratings, USAA is renowned for its high-quality customer service and support.
- Comprehensive Coverage: USAA provides extensive coverage options, including for military-specific needs.
Cons
- Membership Restrictions: USAA is only available to military members, veterans, and their families.
- Limited Physical Locations: USAA has fewer physical branches compared to other insurers.
- Online Focus: Some customers may find the online and mobile app-centric approach less personal.
#3 – Erie: Best for Regional Presence
Pros
- Competitive Rates: Our analysis of Erie insurance review and ratings reveals Erie’s highly competitive rates, especially in its primary operating regions.
- Personalized Service: Erie is known for providing personalized customer service through local agents.
- Comprehensive Coverage: Erie offers a variety of coverage options tailored to different customer needs.
Cons
- Limited Availability: Erie’s services are only available in certain states.
- Technology: Erie’s online tools and mobile app are not as advanced as some competitors.
- Smaller Network: Erie has a smaller network of agents and offices compared to national insurers.
#4 – Nationwide: Best for Large Network
Pros
- Extensive Network: The results of our Nationwide insurance review & ratings suggests Nationwide provides large network of agents and offices across the country.
- Strong Financial Stability: Nationwide holds a high A.M. Best rating for financial stability.
- Multiple Discounts: Nationwide offers a variety of discounts for safe driving, bundling, and more.
Cons
- Premiums: Nationwide’s premiums can be higher than some competitors.
- Claims Process: Some customers have reported delays in the claims process.
- Regional Variability: Coverage options and pricing can vary significantly by region.
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#5 – Auto-Owners: Best for Customer Service
Pros
- Superior Customer Service: Auto-Owners is known for its exceptional customer service and support.
- High Claims Satisfaction: According to our Auto-Owners insurance review & ratings, Auto-Owners boast on its high satisfaction with the claims process.
- Multiple Policy Options: Auto-Owners offers a wide range of insurance products.
Cons
- Limited Availability: Auto-Owners is not available in all states.
- Traditional Approach: The company’s traditional approach may not appeal to those preferring digital solutions.
- Premiums: Some policies can be more expensive compared to other providers.
#6 – Progressive: Best for Competitive Rates
Pros
- Affordable Rates: Progressive offers some of the most competitive rates in the market.
- Usage-Based Discounts: Programs like Snapshot provide discounts based on driving habits.
- Strong Online Tools: The findings from our Progressive insurance review & ratings demonstrates Progressive’s advanced online tools and a user-friendly mobile app.
Cons
- Customer Service: Progressive’s customer service ratings are lower compared to some competitors.
- Claims Satisfaction: Some customers report dissatisfaction with the claims process.
- Premium Increases: Rates can increase significantly after claims or traffic violations.
#7 – Mercury Insurance: Best for Budget Friendly
Pros
- Low Premiums: Our Mercury Insurance review & ratings indicates Mercury offers budget-friendly premiums for various coverage options.
- Multiple Discounts: Mercury provides several discounts, including for good drivers and multi-policy holders.
- Local Agents: Mercury operates through local agents who provide personalized service.
Cons
- Availability: Mercury Insurance is only available in certain states.
- Customer Service: Mercury’s customer service ratings are average compared to other insurers.
- Online Tools: The company’s online tools and mobile app are less advanced.
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#8 – Travelers: Best for Discount Options
Pros
- Extensive Discounts: Travelers offers a wide range of discounts for safe driving, hybrid vehicles, and more.
- Comprehensive Coverage: Travelers provides various coverage options, including specialty insurance.
- Financial Stability: According to our Travelers insurance review & ratings, Travelers holds a strong financial stability rating.
Cons
- Higher Premiums: Travelers’ premiums can be higher than some competitors.
- Customer Service: Some customers have reported issues with customer service responsiveness.
- Digital Experience: The online and mobile experience may not be as seamless as other providers.
#9 – American Family: Best for Family Discounts
Pros
- Family Discounts: American Family offers significant discounts for families and young drivers.
- Personalized Service: Our examination of American Family insurance review & ratings shows they provide personalized service through local agents.
- Bundling Options: American Family offers discounts for bundling multiple policies.
Cons
- Availability: American Family is not available in all states.
- Premiums: Some customers report higher premiums compared to other insurers.
- Claims Process: The claims process can be slower compared to other companies.
#10 – Liberty Mutual: Best for Policy Bundling
Pros
- Bundling Discounts: Liberty Mutual offers substantial discounts for bundling home, auto, and other policies.
- Customizable Coverage: The company provides various coverage options that can be tailored to individual needs.
- Strong Financial Rating: Our Liberty Mutual insurance review & ratings highlights Liberty Mutual’s strong financial stability rating.
Cons
- Premium Costs: Liberty Mutual’s premiums can be higher compared to other insurers.
- Customer Service: Some customers have reported mixed experiences with customer service.
- Discounts: Availability and eligibility for discounts can vary by state and policy.
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Understanding the Factors That Influence Ford Fusion Plug-in Hybrid Car Insurance Rates
When it comes to determining car insurance rates for your Ford Fusion Plug-in Hybrid, several factors come into play. Insurance companies consider the make, model, and year of your vehicle, as well as the safety features it offers. Additionally, your driving record, age, gender, credit score, or type of coverage whether getting the minimum or full coverage car insurance can also impact the cost of insurance.
Understanding how these factors influence your rates is essential for making informed decisions about your coverage. One factor that can influence car insurance rates for the Ford Fusion Plug-in Hybrid is the location where the vehicle is primarily driven and parked. Insurance companies take into account the area’s crime rate, population density, and even the prevalence of accidents in that particular region.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
American Family | $82 | $112 |
Auto-Owners | $74 | $101 |
Erie | $72 | $96 |
Liberty Mutual | $85 | $125 |
Mercury | $76 | $114 |
Nationwide | $73 | $108 |
Progressive | $75 | $83 |
State Farm | $68 | $79 |
Travelers | $78 | $89 |
USAA | $71 | $105 |
For example, if you live in a densely populated city with high rates of car theft, your insurance premium may be higher compared to someone living in a rural area with lower crime rates. Another factor that can affect car insurance rates for the Ford Fusion Plug-in Hybrid is the level of coverage you choose.
Ty Stewart Licensed Insurance Agent
Insurance companies offer different types of coverage, such as liability, collision, and comprehensive. The more coverage you opt for, the higher your insurance premium will be. It’s important to carefully consider your needs and budget when selecting the appropriate level of coverage for your vehicle.
Ford Fusion Plug-in Hybrid Car Insurance Costs Compared to Other Hybrids
When considering insurance costs, it is essential to compare the rates for Ford Fusion Plug-in Hybrid with other similar hybrid cars. Best insurance companies often take into account the vehicle’s safety ratings, repair costs, and theft rates when determining premiums.
By understanding how the Ford Fusion Plug-in Hybrid compares to other hybrid models, you can gauge whether insurance costs are higher or lower and make informed choices about your coverage. One important factor to consider when comparing insurance costs for the Ford Fusion Plug-in Hybrid with other hybrid cars is the vehicle’s fuel efficiency.
Insurance companies may take into account the car’s MPG (miles per gallon) rating, as higher fuel efficiency can potentially lead to lower insurance premiums. The Ford Fusion Plug-in Hybrid boasts an impressive MPG rating, making it a favorable choice for those looking to save on insurance costs while also reducing their carbon footprint.
Tips for Finding Affordable Car Insurance for Your Ford Fusion Plug-in Hybrid
While car insurance costs may seem daunting, there are several tips and strategies you can employ to find affordable coverage for your Ford Fusion Plug-in Hybrid. These include maintaining a clean driving record, taking advantage of discounts and savings opportunities, considering higher deductibles, and even bundling your car insurance with other policies.
By following these tips, you can potentially reduce the cost of insuring your Ford Fusion Plug-in Hybrid without compromising on coverage. Another tip for finding affordable car insurance for your Ford Fusion Plug-in Hybrid is to compare car insurance quotes from multiple insurance providers. Each insurance company has its own pricing structure and factors that determine premiums, so it’s important to shop around.
You can easily do this by using online comparison tools or contacting insurance agents directly. By comparing quotes, you can find the best deal that suits your budget and coverage needs.
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The Impact of Driving Record on Ford Fusion Plug-in Hybrid Car Insurance Rates
Your driving record plays a significant role in determining the cost of car insurance for your Ford Fusion Plug-in Hybrid. Insurance companies often consider factors such as previous accidents, traffic violations, and the number of years you’ve been driving. Maintaining a clean driving record can help lower insurance premiums, while a history of accidents or violations may result in higher rates.
Understanding this impact can assist you in making choices to improve your driving record and potentially reduce insurance costs. One important factor that insurance companies consider when assessing your driving record is the severity of any accidents or violations. For example, a minor speeding ticket may have a smaller impact on your insurance rates compared to a major accident.
Learn more on our guide titled “Car Accidents: What to do in Worst Case Scenarios.”
Insurance providers typically have a system in place to assign different levels of risk based on the severity of incidents, so it’s crucial to drive safely and avoid any serious infractions. In addition to accidents and violations, insurance companies also take into account the frequency of incidents on your driving record.
Even if you have only one accident or violation, having multiple incidents within a short period of time can raise red flags for insurers. This is because it suggests a pattern of risky behavior and increases the likelihood of future claims. Therefore, it’s important to not only drive safely but also maintain a consistent record of responsible driving over time.
Impact of Residential Location on Ford Fusion Plug-in Hybrid Insurance Costs
Where you live can greatly affect the cost of insuring your Ford Fusion Plug-in Hybrid. Urban areas with higher population densities and increased traffic may result in higher insurance rates due to a greater likelihood of accidents. Additionally, areas with higher rates of theft and vandalism may also impact premiums.
Understanding how the location of your residence can influence insurance costs is crucial in estimating the expenses associated with insuring your Ford Fusion Plug-in Hybrid. Another factor that can affect the cost of insuring a Ford Fusion Plug-in Hybrid based on your location is the availability of repair shops and parts.
Discover additional information with our “Best Renters Insurance for People Living in Urban Areas.”
In rural areas or areas with limited access to repair facilities, insurance companies may charge higher premiums to account for the potential inconvenience and higher costs associated with repairs. The climate of your location can also impact insurance costs for a Ford Fusion Plug-in Hybrid.
Areas prone to extreme weather conditions, such as hurricanes or heavy snowfall, may have higher insurance rates due to the increased risk of damage to the vehicle. Insurance companies take into consideration the likelihood of weather-related incidents when determining premiums.
The Impact of Safety Features and Technologies on Insurance Premiums for Ford Fusion Plug-in Hybrid
The safety features and technologies offered by the Ford Fusion Plug-in Hybrid can also impact insurance premiums. Insurance companies often consider features such as advanced driver assistance systems, anti-theft devices, and crash avoidance technologies when calculating rates.
Vehicles equipped with these safety features may be eligible for best safety feature car insurance discounts on insurance premiums. Understanding the role of safety features in determining insurance costs can help you make informed decisions about the safety features you choose and their potential impact on insurance rates.
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Comprehensive and Collision Coverage Costs for a Ford Fusion Plug-In Hybrid Analysis
Comprehensive and collision coverage are essential aspects of car insurance that protect your Ford Fusion Plug-in Hybrid against damages caused by accidents, theft, vandalism, and other non-accident-related incidents. The average cost of comprehensive and collision coverage for the Ford Fusion Plug-in Hybrid can vary based on factors such as the vehicle’s value, safety ratings, and repair costs.
By examining the average cost of these coverages, you can estimate the expenses associated with protecting your Ford Fusion Plug-in Hybrid comprehensively. Check out the difference between these two coverage with our guide “Collision vs. Comprehensive Car Insurance.”
Understanding the Benefits of Bundling Your Ford Fusion Plug-in Hybrid Car Insurance With Other Policies
Bundling your Ford Fusion Plug-in Hybrid car insurance with other insurance policies, such as home or renters insurance, can potentially lead to significant savings. Many insurance companies offer discounts when you combine policies, making it a cost-effective option for coverage.
Understanding the benefits of bundling your car insurance can help you take advantage of these potential savings and ensure comprehensive coverage for all your insurance needs.
How Credit Score Influence the Cost of Insuring a Ford Fusion Plug-In Hybrid
Believe it or not, your credit score can impact the cost of insuring your Ford Fusion Plug-in Hybrid. Insurance companies often consider credit scores when determining rates, as they believe individuals with higher credit scores are less likely to file claims. Delve more insights on our “Understanding Credit: A Score that Impacts Everything from Your Cell Phone Bill to Car Insurance.”
Therefore, maintaining a good credit score can help you secure lower insurance premiums. Understanding this influence can empower you to take steps to improve your credit score and potentially reduce the cost of insuring your Ford Fusion Plug-in Hybrid.
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Exploring Discounts And Savings Opportunities For Ford Fusion Plug-in Hybrid Car Insurance
Insurance companies often offer various discounts and savings opportunities that can help reduce the cost of car insurance for your Ford Fusion Plug-in Hybrid. These may be safe driving discount, low mileage, anti-theft system car insurance discount, or even being a member of certain organizations.
Exploring these discounts and savings opportunities can significantly impact the cost of insuring your Ford Fusion Plug-in Hybrid, making it crucial to investigate and take advantage of them.
Factors to Consider When Choosing the Right Deductible For Your Ford Fusion Plug-in Hybrid Insurance Policy
Choosing the right deductible for your Ford Fusion Plug-in Hybrid insurance policy is crucial in striking a balance between out-of-pocket expenses and monthly premiums. A higher deductible typically results in lower premiums but can leave you responsible for more costs in the event of a claim.
Weigh the risks in increasing your deductible with our guide “Raising Your Deductible – Weighing the Risks vs. the Benefits.”
Conversely, a lower deductible may result in higher premiums but provides more financial protection in case of an accident. Considering factors such as your budget, driving habits, and risk tolerance can assist in selecting the deductible that best fits your circumstances and needs.
Kristen Gryglik Licensed Insurance Agent
In conclusion, the cost of Ford Fusion Plug-in Hybrid car insurance is influenced by various factors, including the vehicle itself, your driving record, location, safety features, and more. By understanding these factors and taking advantage of discounts and savings opportunities, you can find affordable coverage for your Ford Fusion Plug-in Hybrid that meets your needs.
Remember to shop around, compare quotes, and assess the benefits of different coverage options to ensure you make an informed decision regarding your car insurance coverage.
Case Studies: Affordable Ford Fusion Plug-in Hybrid Car Insurance
Understanding how various drivers secured affordable car insurance for their Ford Fusion Plug-in Hybrid can provide valuable insights. Below are several case studies that highlight different strategies and outcomes.
- Case Study 1 – Maximizing Safe Driver Discounts: John from Ohio maintained a spotless driving record and installed additional safety features on his Ford Fusion Plug-in Hybrid, which resulted in a 20% discount on his premium. By comparing quotes from multiple providers, he secured a monthly rate of $72 with Erie Insurance.
- Case Study 2 – Bundling Policies for Savings: Sarah in California bundled her Ford Fusion Plug-in Hybrid car insurance with her homeowners insurance through State Farm. This bundling strategy saved her 15% on her total insurance costs, bringing her car insurance premium down to $75 per month.
- Case Study 3 – Leveraging Military Benefits: Mark, a retired military officer, chose USAA for his Ford Fusion Plug-in Hybrid insurance due to their specialized military discounts. His extensive safe driving history and military benefits reduced his monthly premium to just $68.
- Case Study 4 – Regional Discounts in a Low-Crime Area: Emma from Vermont benefited from lower premiums due to her residence in a low-crime, rural area. By selecting comprehensive coverage with Progressive and maintaining a good credit score, she secured a rate of $70 per month.
- Case Study 5 – Utilizing Low Mileage Discounts: Tom, who drives less than 5,000 miles annually, took advantage of low mileage discounts offered by Liberty Mutual. His low usage and clean driving record resulted in a competitive premium of $69 per month.
These case studies illustrate how different factors such as safe driving, policy bundling, military benefits, regional considerations, and low mileage can significantly impact insurance premiums for a Ford Fusion Plug-in Hybrid.
By understanding and leveraging these factors, drivers can find affordable insurance options tailored to their unique circumstances. Always remember to shop around and compare quotes to ensure you get the best possible rate for your needs.
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Conclusion: Securing Affordable Insurance for Your Ford Fusion Plug-in Hybrid
Securing affordable car insurance for your Ford Fusion Plug-in Hybrid involves understanding the various factors that influence rates, such as vehicle features, personal driving history, and location. Top providers like State Farm, USAA, and Erie offer competitive rates with comprehensive coverage options. Maintaining a clean driving record, considering higher deductibles, and exploring discounts can reduce your insurance costs.
It’s crucial to shop around and compare quotes from multiple insurers to find the best deal. With these strategies, you can ensure that your Ford Fusion Plug-in Hybrid is well-protected without breaking the bank. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.
Frequently Asked Questions
What factors affect the cost of insurance for a Ford Fusion Plug-in Hybrid?
The cost of insurance for a Ford Fusion Plug-in Hybrid can be influenced by various factors such as the driver’s age, location, driving history, credit score, coverage options, deductibles, and the insurance company’s pricing policies.
Do insurance companies offer any specific discounts for Ford Fusion Plug-in Hybrid owners?
Discounts can be related to the vehicle’s safety features, such as advanced driver assistance systems, anti-theft devices, or hybrid vehicle car insurance discounts. It is recommended to inquire with insurance providers about any potential discounts available.
Are Ford Fusion Plug-in Hybrids generally more expensive to insure compared to other cars?
Insurance costs for Ford Fusion Plug-in Hybrids can vary depending on the factors mentioned earlier. However, hybrid vehicles are often considered less risky to insure due to their improved fuel efficiency and lower emissions, which can sometimes result in slightly lower insurance premiums.
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What is the cheapest Ford to insure?
The Ford Ka+ and Fiesta are noted for having the lowest insurance costs among Ford vehicles.
Is it necessary to have comprehensive coverage for a Ford Fusion Plug-in Hybrid?
While comprehensive coverage is not mandatory by law, it is often recommended for Ford Fusion Plug-in Hybrid owners. Comprehensive coverage helps protect against damages caused by events other than collisions, such as theft, vandalism, natural disasters, and falling objects. It provides additional peace of mind and financial protection for the vehicle.
Is it worth buying a Ford Fusion Hybrid?
Yes, based on evaluations, this vehicle is deemed suitable due to its sporty features and user-friendly infotainment system. It also comes equipped with a wide range of standard features aimed at ensuring comfort and connectivity.
Is Ford Fusion expensive to maintain?
The average monthly cost for repairs and maintenance on a Ford Fusion is about $48. In comparison, midsize cars average around $44 per month, while all vehicle models average about $54 monthly.
Which brand of car has the cheapest insurance?
Among the most popular models in the U.S., the Subaru Forester and Mazda CX-30 are noted for their affordable auto insurance rates. Based on our research, these models typically have an average monthly premium of approximately $166 for full coverage. Obtain more knowledge with our “Cheap MAZDA CX-30 Car Insurance.”
Is A Ford Fusion a luxury car?
The Fusion, a mid-sized sedan, offers a wide range of options, from basic to near-luxury trims, and is available with conventional, hybrid, and plug-in hybrid powertrains.
What type of car insurance is cheapest?
Typically, fully comprehensive insurance tends to be the most affordable option, though pricing can vary based on individual circumstances.
What is the lowest form of car insurance?
Liability insurance tends to be the most affordable type of car insurance since it specifically pays for bodily injuries and property damage sustained by another party if you are deemed responsible for an accident. This coverage does not include costs for repairing your own vehicle or medical expenses related to your injuries.
Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
What car is the most expensive to insure?
The most expensive cars to insure, based on national average insurance costs, are as follows: the Maserati Quattroporte costs $5,024 per year (a luxury car), the Audi R8 costs $4,568 per year (a luxury sports car), and the BMW i8 costs $4,372 per year (a hybrid sports car).
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.