Here’s the raw deal on what your ride is going to cost you to insure this year. Fresh 2025 national averages for full coverage (liability + collision + comprehensive) on a clean-driving 40-year-old in a medium-risk area. Your actual number will move around depending on state, credit, and exact model, but these are solid ballpark figures.

Sedans come in around $2,490 a year, roughly $208 a month. Think Camry, Accord, Civic—everyday cars with cheap parts and decent safety scores. They’re the middle-of-the-road choice that rarely surprises anyone.

SUVs are actually cheaper right now, averaging $2,269 a year, about $189 monthly. RAV4s, CR-Vs, and the like get a break because they’re taller, safer in crashes, and families drive them carefully. Repairs cost more when they happen, but they happen less often.

Pickup trucks sit at $2,202 annually, around $184 a month. F-150s, Silverados, Rams—big metal boxes that rarely get stolen and usually survive crashes better than sedans. The extra weight can raise liability if you hit someone, but overall insurers like them.

Sports cars? Yeah, that’s where the pain starts. You’re looking at $3,086 on average, $257 a month. Mustangs, Chargers, Camaros—anything with a loud exhaust and a big engine gets flagged as “higher risk” the second you type the VIN.

Electric vehicles hurt the most in 2025, averaging a brutal $3,874 a year, $323 a month. Teslas dominate this category, and the combo of expensive batteries, specialized repair shops, and higher theft rates makes insurers sweat. Even “affordable” EVs like the Bolt or Mach-E run well above gas cars.

The national full-coverage average across all vehicle types lands around $2,500 right now, up a little from last year because parts and labor keep climbing. Drive something practical and you can stay hundreds under that number; pick something fast or fancy and you’ll easily blow past it.

My neighbor just swapped his old Accord for a used Model 3 and his bill jumped almost $1,400 a year. Same guy, same address, same clean record. That’s the kind of swing we’re talking about. Choose your next car wisely, your insurance will notice before you even leave the dealership.