The type of car you drive is one of the major factors that insurance agencies will take into consideration, while fixing upon the rate of insurance says Insure.com, an online consumer insurance service. Even something as seemingly simple as different models, can account for a large sum of dollars annually.

There are multiple factors that determine car insurance rates apart from your age, gender, your credit history, driving history and the type of insurance coverage you choose. When it comes to comprehensive and collision coverage, your car insurance company will look into the kind of car you drive, apart from all these other factors together. Therefore, the particular type of car you buy will be the key factor in determining how much auto insurance premium you will pay.

Most Insurance companies use vehicle ratings calculated by the Insurance Services Office, to help calculate the risk of your car. The ISO is an actuarial reporting group for the insurance industry, which publishes its own manual rating for each vehicle based on its “loss history” (theft, accident and passenger injury claims typically paid for that model). For the first year of a new model, a percentage of the MSRP is used to fix on premiums. The ISO assigns each vehicle with numbers between 1 and 27, thus determining the cost of comprehensive and collision coverage. A vehicle with a higher number, called a “symbol”, will have a higher premium.

Insure.com has calculated the average national premiums for 20 best-selling vehicles in America: