Large Car Insurance Rate Comparisons

The large sedan class includes popular vehicles like the Toyota Avalon and Chevy Impala, and insurance rates average from about $130 to $170 a month for full coverage.

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Due to dwindling demand in favor of mid-size and large SUVs, large sedans are a dying breed. The Kia Cadenza was discontinued for the 2022 model year, the Chevy Impala was discontinued in 2021, and the Buick LaCrosse and Ford Taurus both ended production with the 2019 model years.

The few models that are left in this segment (not including large luxury cars) include the Toyota Avalon, Nissan Maxima, and Chrysler 300. But which one has the cheapest insurance rates? Read on for our insurance cost rankings for the last models of the large car segment.

How much is insurance on average for large cars?

Large cars like the Toyota Avalon and Chrysler 300 have an average insurance cost of $1,749 per year. Rates range from the cheapest Toyota Avalon at $1,588 per year to the most expensive Dodge Charger at $2,098 per year.

The table below shows the rest of the segment and how they all stack up.

Large Car Insurance Cost Comparison
Rank Make/Model Annual Cost Monthly Cost
1Toyota Avalon$1,588$132
2Chrysler 300$1,622$135
3Nissan Maxima$1,688$141
4Dodge Charger$2,098$175

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
    Large Car Insurance Cost Comparison

    As mentioned before, luxury models are not mixed in with the more affordable nameplates. Those rates can be found in our large luxury car insurance comparison.

    For the Chevy Impala comparisons to the 2020 large car segment, see our Chevy Impala insurance cost comparison.

    Which large sedan has the cheapest insurance?

    The cheapest 2022 model year large car to insure is the Toyota Avalon, costing $1,588 per year, $132 per month, or $794 for a 6-month policy. With the average large car costing $1,749 per year for insurance, the Toyota Avalon will save around $161 each year.

    Which full-size sedan is most expensive to insure?

    The most expensive large car to insure is the Dodge Charger, costing $2,098 per year, or around $175 per month. The Dodge Charger will cost around $510 extra each year compared to the cheapest large car to insure, the Toyota Avalon.

    How much is insurance on average for a large car?

    Full coverage insurance for the average 2022 model year large car costs an average of $1,749 per year. With the national average for all vehicles being around $1,551, insuring a large car on average will cost around 12.8% more each year.

    The terms “popular” and “large car” really don’t go together, since the top-selling Dodge Charger only sold just over 23,000 units in the third quarter of 2020. That’s more than all the other models in the large car segment combined.

    The Charger is an interesting model, as it mixes the size of a large sedan with more power and performance than is normally found in competing models. It’s not quite a sports car, so it gets thrown into the large car segment.

    The additional performance of the Charger does push insurance cost higher. At $2,098 a year, that is a 16.6% premium over the average for the large car class, and 24.3% more than the cheapest insurance rate on the Toyota Avalon.

    If it wasn’t for the Charger padding the sales data, the large car segment in it’s entirely wouldn’t have sold 15,000 units in the third quarter of 2020. In comparison, that’s about half the normal MONTHLY sales volume for the Toyota Camry or Honda Accord.