Startlingly, a new study shared that one in 10 Americans have recently skipped a car insurance premium payment, citing high costs. What’s more, over 25% of U.S. drivers surveyed said that they avoided filing a legitimate insurance claim, fearing a rate increase.

The analysis, released by FinanceBuzz, shared several factors behind the country’s car insurance “cost crisis.” For one, driver location. As an example, motorists in Washington, D.C., can expect to pay up to 350% more than folks driving around Wyoming.

Still, there are more controllable factors, including which make and model you choose to drive.

Average annual insurance costs for the 10 best-selling cars in 2025

Per the study, car insurance premiums have risen 45% since 2019. And you might think that driving a larger vehicle might trigger heftier rates. While this is true in a vacuum, an analysis of the average annual car insurance premiums by best-selling vehicles proves otherwise.

Of course, driver age, credit, and any prior accidents or moving violations go along with higher average annual costs. These factors can take an already pricey insurance plan and make the bill burn worse. Still, to see the Ford F-Series place below the Toyota Camry and Honda Civic might be something of a surprise.

I can say that I’m not surprised to see the Tesla Model Y top the insurance costs list. For a while now, insurance and automotive industry experts have pointed to Tesla’s high average cost to repair or replace after a collision. Combined with its higher-than-average accident fatality rate, it makes sense to see the EV take the prize that no driver wants to say they’ve won.