Car shoppers are paying more than ever for new models, and the cost of insuring them has also been going up in recent years.
The average annual cost of full coverage car insurance in the United States for a 2025 or 2026 model year car is $2,879, according to a new study released by Compare.com
The finding comes as the average price of a new car rose to $49,855 in July, according to Cox Automotive's Kelley Blue Book. The average June price for new cars was up 0.2% from June's average of $49,757, and it was also a 1.9% increase over July 2025's average, according to the group.
"Record-high new-vehicle prices are already increasing the cost of car ownership, and insurance costs add to that bottom line," the Compare.com website said in its new report.
"Newer vehicles are 34% more expensive to insure, on average, according to Compare.com data. That’s largely thanks to the advanced driver-safety technology now standard in most new models."
With that in mind, the USA TODAY Cars team took a look at the 10 most expensive models to insure, according to Compare.com's study.
1. Subaru Outback
Starting Price: $34,995
Average Annual Insurance Cost: $1,969
What we said: Charles Singh of the USA TODAY Cars team said in a review "the Outback's wagon-like design doesn't make for the most conventional midsize family SUV, but it occupies a necessary space in its segment."
2. Subaru Forrester
Starting Price: $29,995
Average Annual Insurance Cost: $2,135
What we said: Mark Phelan of the Detroit Free Press said in a video review of the 2026 Forester "the new SUV was a very pleasant surprise." Phelan the Forester is "nicely appointed and includes a lot of useful features. "
3. Subaru Crosstrek
Starting Price: $26,995
Average Annual Insurance Cost: $2,207
What we said: Mark Phelan of the Detroit Free Press said in a review "the Crosstrek hybrid is attractive, capable and efficient. The hybrid drivetrain delivers a welcome power boost in addition to appealing fuel economy."
4. Subaru Ascent
Starting Price: $40,795
Average Annual Insurance Cost: $2,207
What we said: Mark Phelan of the Detroit Free Press said in a review of the then-new 2018 version of the Subaru SUV "the Ascent fills a major gap in Subaru’s lineup, and does it with a slew of advanced features and an interior ready to carry more kids than anything else in the lineup."
5. Ford Transit
Starting Price: $48,400
Average Annual Insurance Cost: $2,270
What we said: Charles Singh of USA TODAY Cars said in a review "Ford's Transit is a practical choice for plenty of drivers who need a specialized cargo area."
6. Ford Maverick
Starting Price: $28,145
Average Annual Insurance Cost: $2,291
What we said: Charles Singh of USA TODAY Cars said in a review "the Ford Maverick is one of the few trucks to offer more than 500 miles of driving range without a large gas tank or diesel engine, making it an option for drivers looking to reduce fuel costs."
7. Hyundai Santa Cruz
Starting Price: $29,750
Average Annual Insurance Cost: $2,296
What we said: Mark Phelen of the Detroit Free Press said in a review "the Santa Cruz looks as fresh and unique as the day Hyundai unveiled it. Its comfortable, modern five-passenger cabin and usable bed can appeal to anybody who doesn’t want a conventional pickup."
8. Ram 3500
Starting Price: $48,155
Average Annual Insurance Cost: $2,332
What we said: Mark Phelen of the Detroit Free Press said in an article listing the 2025 vehicles of the year that placed the Ram 3500 second for truck of the year "Ram’s heavy-duty pickups took a major leap as a new generation introduced advancements starting with a 6.7L Cummins turbodiesel producing 430 hp and 1,075 pound-feet of torque and 36,610-pound towing capacity. None of those figures are typos. Honest."
9. Honda Passport
Starting Price: $44,950
Average Annual Insurance Cost: $2,361
What we said: Mark Phelen of the Detroit Free Press said in a review "the 2026 Passport TrailSport brings Honda’s stellar record of reliability and careful engineering to the off-road segment. It’s a fun, capable and comfortable SUV with surprising room and a rugged interpretation of Honda’s familiar and attractive interior and exterior designs."
10. Ford Bronco Sport
Starting Price: $31,945
Average Annual Insurance Cost: $2,392
What we said: Mark Phelen of the Detroit Free Press said in a review the 2025 Bronco Sport "performed ably on crowded California highways, winding roads and in a chill rain in a daylong drive into the wild and back to downtown San Diego."
Keith Laing is an automotive reporter on the National Trending Desk at USA TODAY. Contact Keith at klaing@usatodayco.com.
This article originally appeared on USA TODAY: Subaru dominates the list of the 10 cheapest cars to insure in 2026
