Sedan Insurance
Coverage options for standard passenger sedans.
Typical cost: $1,000 – $2,000 per year
Sedan Insurance
Sedans are among the most common and affordable vehicles to insure. Their typically lower purchase prices, moderate repair costs, good safety ratings, and theft statistics contribute to reasonable insurance premiums compared to trucks, SUVs, and sports cars.
Coverage Considerations
Like all vehicles, sedans need liability coverage (required), plus collision and comprehensive for newer or financed vehicles. Consider uninsured motorist coverage given the number of uninsured drivers on the road.
Saving on Sedan Insurance
Sedans with advanced safety features qualify for discounts. Anti-lock brakes, airbags, electronic stability control, and driver assistance features reduce premiums. Models with high safety ratings from IIHS and NHTSA are also cheaper to insure.
What's covered
Liability Coverage
Covers damage and injuries you cause to others in an accident.
Collision Coverage
Pays to repair your sedan after a collision regardless of fault.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes.
Uninsured Motorist
Protects you when hit by an uninsured or underinsured driver.
Medical Payments
Covers medical expenses for you and passengers after an accident.
Tips
- • Compare quotes—sedan rates vary significantly between insurers
- • Ask about safety feature discounts
- • Choose higher deductibles if you have emergency savings
- • Bundle with homeowners or renters insurance for discounts
- • Maintain a clean driving record for best rates
Other auto insurance types
SUV Insurance
Insurance for sport utility vehicles and crossovers.
Truck Insurance
Coverage for pickup trucks and personal-use trucks.
Electric Vehicle Insurance
Specialized coverage for EVs including battery protection.
Classic Car Insurance
Agreed-value coverage for vintage and collector vehicles.
Teen Driver Insurance
Coverage options and savings tips for young drivers.
Rideshare Insurance
Gap coverage for Uber, Lyft, and other rideshare drivers.
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