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Car Insurance Quotes for Sedans: Quotes, Discounts for 2022
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Written by
Charlie Mitchell
Insurance Writer
Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.
Edited by
Jackie Cohen
Editorial Manager
Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.Jackie's work has been cited in USA Today, The Balance, and The Washington Times.
Updated August 26, 2022
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You love your little Honda Civic. New car or used, you got it pretty cheap. Repair costs are low, and so are insurance prices. But could you be getting even better car insurance rates for your sedan?
The easiest way to find out is with Insurify’s auto insurance quote comparison tool. Log on now to access a free slate of personalized auto insurance quotes. Our users save hundreds of dollars on their annual car insurance premiums. Best part? It’s 100% free to use.
Quick Facts
Metromile, State Farm, and Farmers are the best insurance companies we found for sedan drivers.
Sedans are some of the cheapest cars to insure on average; the cheapest premium we found for a sedan is $96 per month.
Drivers of older cars can consider a liability-only policy to save on car insurance.
Cheapest Car Insurance Companies for Sedans
How much does car insurance cost for sedans?
Sedans are among the cheapest cars to insure, however, many other factors will play into insurance costs. In addition to the type of car you drive, your location, your age, your driving record, and your credit score will all help determine how much you pay for insurance per month.
Which insurance companies have the best insurance quotes for sedans? Here’s your list, from Insurify’s proprietary database:
| Insurance Company | Monthly Quote for Sedans |
|---|---|
| Metromile | $96 |
| Farmers | $107 |
| Amigo USA | $128 |
| Kemper | $140 |
| Travelers | $167 |
| Elephant | $176 |
| National General | $181 |
| Nationwide | $204 |
| AssuranceAmerica | $234 |
| Bristol West | $252 |
| Liberty Mutual | $278 |
| The General | $300 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
See More: Best Car Insurance Companies
How much does car insurance cost for sedans?
Your car insurance quotes are dependent on your driving record, credit score, ZIP code, the safety features on your car, and whether your car is a new sports car or old and slow. Since Sedans are some of the least expensive vehicle type on the road, tend to get cheap insurance premiums.
Metromile
Great safety features and multiple vehicles will score your points with Metromile. Its insurance quotes for sedans are the cheapest around. If you don’t drive much, Metromile charges you only for the distance you cover on the road. It’s very tech-oriented, so if you don’t want anyone tracking you, you might want to try elsewhere.
Even if the price is right, Metromile’s insurance claims satisfaction doesn’t inspire loads of confidence. Still, if your driving record is spotless and you want to keep your insurance costs as low as possible, Metromile is certainly worth considering. Safe drivers who aren’t on the road often could certainly benefit from cheap car insurance available from Metromile.
Farmers
If you love a killer mobile app, Farmers has one that comes highly rated. And for those who drive a luxury car or a sports car, Farmers has reliable full-coverage car insurance policies and an excellent customer service reputation. That’s hard to maintain for a big company.
Farmers is a great company for families, with a home insurance bundling discount that also rewards multiple-car policies with savings. So if you just bought the cheapest car you could find for your teenager who is a new driver, you have low rates and bundling opportunities to keep those rates down.
State Farm
A true insurance giant with a gleaming reputation, State Farm provides cheap car insurance with relative consistency. Drivers who want to work with a great mobile app might be disappointed; customers don't love State Farm’s. But if you have an outstanding credit score, you can save big on your auto insurance rates.
Safety features on your sedan will also help with discounts, and they’re super friendly to drivers who just bought a new car. State Farm makes heavy use of telematics programs to help you save money—particularly their Steer Clear program for drivers under the age of 25.
Nationwide
Great for families, Nationwide rewards bundling with multiple cars and has its own family discount. So if you’re buying a used sedan for your college student and are looking for cheap car insurance for all of you, Nationwide could do the trick.
Its auto insurance rates aren’t the lowest at face value, but if the fit is right, Nationwide’s discounts could lower your premiums into an exciting range, and insurance claims satisfaction is relatively high.
Progressive
A highly-rated mobile app, nationwide coverage, and relatively cheap auto insurance rates—Progressive is a giant that no one should sleep on. Its most powerful discounts are for bundling, and its drive-tracking program, Snapshot, is one way for safe drivers to bring their rates down. Progressive also likes to reward loyalty and continuous insurance.
See More: Car Insurance Quotes
Cheapest States for Car Insurance for Sedans
Car insurance rates vary by state. Sedans are some of the cheapest cars to insure, and in these states, you can get some of the best prices in the country.
| State | Monthly Quote for Sedans |
|---|---|
| Hawaii | $110 |
| North Carolina | $139 |
| Maine | $140 |
| Idaho | $142 |
| New Hampshire | $144 |
| Wyoming | $146 |
| Vermont | $150 |
| Indiana | $151 |
| North Dakota | $153 |
| Ohio | $154 |
| South Dakota | $154 |
| Montana | $160 |
| Iowa | $161 |
| New Mexico | $165 |
| Wisconsin | $165 |
| Illinois | $166 |
| Tennessee | $173 |
| Utah | $174 |
| Massachusetts | $176 |
| Minnesota | $180 |
| Nebraska | $182 |
| Alaska | $186 |
| Alabama | $189 |
| Pennsylvania | $190 |
| Oregon | $192 |
| Kansas | $193 |
| Oklahoma | $193 |
| Virginia | $198 |
| West Virginia | $205 |
| Arkansas | $207 |
| Mississippi | $215 |
| Arizona | $217 |
| California | $228 |
| Washington | $232 |
| Colorado | $246 |
| Washington, D.C. | $250 |
| Texas | $256 |
| Missouri | $257 |
| Kentucky | $272 |
| Connecticut | $289 |
| South Carolina | $289 |
| New Jersey | $293 |
| Florida | $302 |
| Maryland | $305 |
| Delaware | $320 |
| Georgia | $323 |
| Nevada | $324 |
| Rhode Island | $328 |
| Louisiana | $347 |
| New York | $398 |
| Michigan | $408 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
See More: Cheap Car Insurance
Cheapest Cars By Automaker
Check out the cheapest cars you can get from these big-name auto companies. Sedan drivers aren’t usually in the market for a luxury car—they’re usually more focused on the MSRP and fuel economy than trim levels or snazzy interiors. But luckily, you can get some amazing new cars on a modest budget.
Honda
The Honda Civic and Honda Accord are among the cheapest cars on the market and also the most popular. The Honda Civic is a bit smaller and cheaper, with the Accord coming in at a midsize ranking, while the Civic also comes in a hatchback. Looking for a compact SUV? You’ll love the Honda CR-V, akin to adventurous hatchbacks like the Subaru Forester and Outback.
Toyota
The Toyota Camry and the Corolla are incredible sedans with low car insurance premiums. They both have hybrid models on the market, and their tenure on American roads goes back decades. The Camry is a bit larger, but they both get great gas mileage. Hyundai’s Accent and Sonata are comparable.
Ford
With lots of defunct sedan models still out there, if you’re buying used, Ford has some older model years still on the road that are some of the least expensive cars you can buy used. The Fiesta, Escort, Fusion, and Taurus are some great 2- to 12-year-old cars to get you on the road affordably. You’ll have low auto insurance rates with an older car as well.
Nissan
Nissan’s flagship sedans, the Altima and the Sentra, are affordable and well-made cars. If you’re looking for an SUV, the Rogue and Pathfinder are competitively priced classics. Whatever type of car, Nissan has a full suite of offerings, the price is right, and their electric sedan, the Leaf, is a true innovation.
Chevrolet
It doesn’t get more iconic. The Malibu, the Impala—popular midsize sedans that meet the needs of millions of Americans. If you’re looking for a new vehicle with some glamorous features, the Impala comes at a decent price with all the trappings of a luxury car.
Chrysler
Chrysler offers only one sedan—the 300. But their minivan, the Pacifica, is another great car. Similar to the luxury model 300 is a solid Volkswagen sedan, like a Jetta or a Passat.
Finding the Best Auto Insurance for Your Car
Whatever type of car, make, or model year, you’re going to need the right car insurance policy to stay protected on the road. And the best way to match your car’s insurance needs with the best auto insurance rates available is to use Insurify, which helps millions of people look at real insurance quotes across the industry, all for free.
Frequently Asked Questions
Because older sedans don’t need full coverage, they can fetch some of the cheapest car insurance out there. Meanwhile, new cars need comprehensive coverage and collision coverage with high coverage limits on liability coverage to stay protected, and lenders usually require it.
If your used sedan isn’t worth much money, you might want to stick with bodily injury liability coverage and property damage liability coverage and leave out the other coverage options. Other than that, a clean driving record and higher deductibles on your comprehensive coverage and collision coverage will keep your car insurance costs reasonable.
Finding the cheapest car insurance is a numbers game. You have to get insurance quotes from as many auto insurance companies as you can. Enter Insurify, a premier tool to compare auto insurance for free. Get bona fide quotes from the best car insurance companies around in just a few minutes. Try it out.
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
