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Does a car's trim level have any effect on insurance premiums?

I'm looking into purchasing a new car. I'm wondering if trim level for the different models has any affect on insurance premiums. Will my rates vary by trim level?

Sophie Newman · Updated on Sep 23, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“Purchasing a new car is exciting, but there is a lot to think about! Trim level may affect your

premiums, so it’s good to be aware of the options when purchasing a new vehicle.

When you sign up for a new policy, car insurance companies will ask for your Vehicle Identification Number or VIN, which will include your trim level. Premium trim levels will cost more to repair or replace in the event of an accident. As insurance rates consider the cost of repairs and vehicle value, you may see higher rates reflecting these added costs.

In most cases, you’ll want to shop around for both the vehicle and the car insurance. Getting

quotes for insurance

from multiple companies and vehicles can help identify what you can afford.

If you’d rather leave the hard work of gathering quotes to someone else, use the

app. Jerry collects quotes from up to 50 top insurance companies and delivers the best deals to your phone in minutes for free.”

MORE:

11 car insurance hacks to save you money

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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