Drivers across the U.S. prefer different types of vehicles for various reasons. From trucks and SUVs to sedans, Americans often choose their vehicles based on their driving needs. Some prefer a vehicle because they like how it looks, while others look for more seating for the family or a bed for work gear.
America has vastly different geographical regions, so what’s popular in one state might not be the right fit for where you live. For example, pickup trucks are sought-after in the Midwest but less so on the West Coast. However, a number of top-rated models are popular across the board. American Auto Insurance has compiled the following list of the most popular vehicles in the U.S. and how owning one of these vehicles may impact your insurance.
The 10 Most Popular Cars in the United States
Insurance by Pictures of Money is licensed with CC BY 2.0
The folks at All Top Everything have examined U.S. auto sales to determine the best-rated, best-selling, and ultimately, the most popular vehicles of 2021. Their top ten picks include the following:
Ford F-Series Pickup Truck
The Ford F-Series pickup truck is hugely popular across an incredible 19 states and accounts for nearly 3% of all vehicles on the road. This truck can get the job done with its heavy hauling capability, four-wheel drive, and range of available features. A new all-electric F-150 is also now available, which will no doubt broaden the popularity of the F-Series.
Another pickup truck, the Chevrolet Silverado, is popular in many states. It costs slightly more than other vehicles on this list but impresses when it comes to its towing capacity, functionality, and capability in the face of inclement weather conditions.
The Honda Accord claims a top spot in the most popular car lineup thanks to its bold, modern design and excellent fuel economy. It’s the most common vehicle on the East Coast, except for in a few select states.
The Toyota RAV4 is a compact SUV equipped with an impressive all-wheel-drive system, so you can navigate anywhere. It has a smooth ride, ample cargo space, and high safety ratings. It’s easy to see why this Toyota makes the list.
Ram Series Trucks
The Ram Series of trucks offers the Ram 1500, heavy-duty Ram 2500, and highly capable Ram 3500. Each offers excellent towing ratings, so you can take along your trailer, camper, boat, and more. The interior offers excellent ride quality, high-end features, and plenty of space.
The comfortable, quiet Toyota Camry is easy to drive and offers enough space for those who need five seats but want to avoid switching to an SUV. It’s affordable and reliable, offers great mileage, and remains a top pick across the U.S.
The demand for SUVs and crossovers continues to grow, bringing the Honda CR-V to our favorites list. It offers a smooth ride, a comfortable interior, and reliability.
The Corolla is arguably the best-selling sedan in history, starting in 1966. You’ll enjoy the high-quality materials, smooth ride, and impressive list of standard driver-assistance and technology features. The Corolla offers high fuel efficiency and dependability, making it an excellent option.
The sport-tuned Civic is a top choice in the U.S. with its fun driving style and modern design. You can travel for longer with its impressive fuel economy, although it delivers a sports car feel.
Nissan introduced us to the Rogue in 2007, and it was an instant hit. You get a solid vehicle featuring excellent fuel economy and a plethora of features at its price point. The comfortable seats and large, versatile cargo area make the Rogue perfect for family road trips.
Does Insurance Cost More for Popular Cars?
Car insurance typically costs more for newer vehicles because they’re generally worth more. Often, the more your new vehicle costs, the higher the insurance premium will be, and you’ll sometimes pay extra for higher trim levels. Insuring an older vehicle can cost less as repairs are often cheaper than on new cars, although new vehicles typically offer better reliability and warranty coverage should something go wrong. Whether you choose a vehicle from this list for your next car or a different make and model from another manufacturer, American Auto Insurance can offer you affordable rates with instant coverage.
The type of coverage you choose and any additional add-ons, such as rental reimbursement and roadside assistance, will also determine your insurance rate. The different types of insurance offered by American Auto Insurance include:
- Uninsured/underinsured motorist.
- Property damage liability.
- Bodily injury liability.
- Collision coverage.
- Comprehensive coverage.
- SR22 coverage.
How Are Insurance Rates Determined?
There are a lot of factors that go into how insurance rates are determined, including:
- Vehicle age: New cars cost more to insure than older vehicles because the parts may cost more, and they hold more value than older vehicles.
- Make and model: The make and model of your vehicle are important when determining coverage. Cars, trucks, and SUVs have different rates because their features vary.
- Retail price: The price of the vehicle plays a significant part in the cost of insurance coverage. The more expensive a vehicle is, the more costly it is to repair or replace.
- Engine size: Vehicles with larger engines cost more to insure.
- Your driving history: You can expect to pay higher insurance premiums if you have a history of accidents or traffic violations.
- Credit score: Your credit score reflects your ability to pay bills on time, which can be used to determine your insurance rates. It’s important to note that American Auto Insurance will never base your insurance rates on your credit score.
Other factors can include gender, the age of the driver, the deductible amount, anti-theft features, any driving courses taken, and even the zip code where the vehicle will be garaged.
Contact American Auto Insurance Today
If you plan on driving one of these popular cars and are worried about insurance costs, contact American Auto Insurance today for affordable, instant coverage for drivers in the Chicago, Illinois, area. You can get a quote online, or call us at 773-286-3500. We’ll consider important factors when gathering your quote, including your vehicle’s make, model, year, and mileage, without factoring in your credit score. With our A+ rating and affordable prices, check out our services today to learn more about what policies we have to offer.