Midsize Car Insurance Rate Comparisons

Midsize cars like the Toyota Camry and Honda Accord have affordable sticker prices, but how does insurance cost compare? We rank them all and the winner is...

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Midsize cars fill the gap between the smallest, fuel sipping compact cars and the larger SUVs and minivans. Not big enough for a large family, they make good commuter vehicles despite the fact that sales have suffered significantly in the last few years.

Even the most popular models like the Camry, Accord, and Altima have suffered double digit sales decreases over the last year. In fact, the Ford Fusion, Chevy Impala, and Buick Regal were all discontinued for 2021.

Despite consumer demand migrating toward small SUVs and crossover models, the midsize sedan still serves a purpose. And as long as they’re sold, they’ll need to be insured. So let’s take a look at the remaining 13 midsize models and see how they rank in an insurance cost comparison.

How much does insurance cost for a midsize car?

The average annual car insurance rate for midsize cars of $1,589 is 1.4% higher than the all-vehicle national average of $1,567 per year. Insurance cost for the 2022 model year ranges from the Subaru Legacy at $1,480 per year for full coverage to the Kia Stinger at $1,798 per year.

The table below breaks down the 13 models in the 2022 midsize car segment by annual and monthly insurance cost.

Midsize Car Insurance Cost Comparison
Rank Make/Model Annual Cost Monthly Cost
1Subaru Legacy$1,480$123
2Honda Insight$1,482$124
3Kia K5$1,498$125
4Toyota Camry$1,502$125
5Volkswagen Passat$1,508$126
6Mazda 6$1,518$127
7Chevrolet Malibu$1,584$132
8Honda Accord$1,588$132
9Tesla Model 3$1,602$134
10Volkswagen Arteon$1,660$138
11Nissan Altima$1,706$142
12Hyundai Sonata$1,736$145
13Kia Stinger$1,798$150

    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 July 25, 2022
    Midsize Car Insurance Cost Comparison

    If you’re trying to budget the monthly insurance cost for one of these models, the price ranges from $123 to $150 per month.

    These rates assume an insurance policy that has both comprehensive and collision coverages, and is averaged for a 40-year-old married male driver. Rates will most likely be higher for younger drivers (especially teenagers), drivers with speeding tickets or other violations, or drivers with poor credit ratings. Not all states use credit as a rating factor, however.

    More expensive luxury models from manufacturers like Audi, BMW, Lexus, and Mercedes-Benz are not included in this comparison, as they are included in our midsize luxury car insurance cost comparison.

    Which midsize car has the cheapest insurance?

    The cheapest 2022 model year midsize car to insure is the Subaru Legacy, costing $1,480 per year, $123 per month, or $740 for a 6-month policy. With the average midsize car costing $1,589 per year for insurance, the Subaru Legacy will save around $109 each year.

    Which midsize car is most expensive to insure?

    The most expensive midsize car to insure is the Kia Stinger, costing $1,798 per year, $899 for a 6-month policy, or around $150 per month. The Kia Stinger will cost around $318 extra each year compared to the cheapest midsize car to insure, the Subaru Legacy.

    How much is insurance on average for a midsize car?

    Full coverage insurance for the average 2022 model year midsize car costs an average of $1,589 per year. With the national average for all vehicles being around $1,567, insuring a midsize car on average will cost $22 more per year than all other vehicles combined.

    By a large margin, the Toyota Camry is the most popular midsize car in America. With sales up over 11% year-to-date compared to a year ago, The Camry outsells the Accord by over 100,000 units per year.

    As mentioned, the Honda Accord is the second most popular midsize car by sales volume, followed by the Hyundai Sonata. The next best sellers are the Kia K5, Subaru Legacy, and Mazda 6.

    Is Toyota Camry or Honda Accord insurance cheaper?

    With Honda Accord insurance costing around $1,588 a year, and Toyota Camry insurance costing around $1,502, the Camry will be approximately $86 cheaper per year.

    This result depends on the trim level of each vehicle being compared, however, so comparing insurance cost on the base level Camry LE to the Accord Hybrid Touring model will definitely change the outcome.