Large Sedan Auto Insurance

A large sedan is a perfect choice for families or teenage drivers, but what should you know about insuring these vehicles? Learn more about large sedan auto insurance.

A large sedan is typically, long and wide, featuring a powerful engine, a smooth ride and well-equipped interiors. These cars can easily seat five or even, six people and they’re the ideal choice for towing heavy loads. These cars can be comparatively cheaper to insure (with the exception of large luxury sedans), in the following post — we’ll explain why.

In terms of insurance, sedans are placed in the lower-priced category (along with minivans and SUVs). While factors such as, age, driving record, mileage, zip code, number of drivers in the household, their driving history and their ages, one of the most influential factors to the cost of insurance is the type of car you drive.

Therefore, because large sedans are considered “family cars”, most sedan drivers are older (meaning they are less likely to speed and practice safer driver) and these cars often, have multiple safety features — large sedans command cheaper insurance prices than most other cars. In addition, most sedans offer an array of safety features that insurance companies like. These safety features can include, ABS, front and side airbags, side curtain airbags and stability control. Some of the newest safety features for sedans include impressive options such as, parking sensors, knee airbags and rearview cameras.

Fun Facts about Sedans:

  • In 1922, sedans were given the first gas gauges.
  • The first stereo systems were installed into sedans in 1929.
  • The first electrically powered turn signals were installed in Buicks in 1938. Before that time, drivers had to signal their intended direction by holding their arm out the window!
  • Peanuts characters got their first major TV appearance on a Ford Fairlaine sedan commercial.

According to USA TODAY (author Jayne O’Donnell), large sedans are the best vehicles for teen safety. Making the list of the top safest sedans for teens include:

  • Buick LeSabre (1997 – 2011 with side airbags)
  • Chevrolet Impala (2000 – 2011)
  • Ford Crown Victoria (2004 – 2005)
  • Ford 500 (2005)
  • Infiniti I30 (1998 – 2001)
  • Lexus ES300 (1998 – 2003)
  • Lexus ES330 (2004 – 2011)
  • Lincoln LS V6 (2001 – 2011)
  • Mercury Grand Marquis (2003 – 2005)
  • Mercury Montego (2005)
  • Mitsubishi Galant with side airbags (1999 – 2005)
  • Pontiac Bonneville with side airbags (2001 – 2011)


The type of vehicle you drive can greatly influence the overall insurance rate. According to and their innovative TCO system (True Cost to Own pricing system), the following large sedans are the ten cheapest sedans to insure.

  1. Pontiac G8 (2009)
  2. Ford Taurus (2010)
  3. Mazda 3 (2009)
  4. Subaru Legacy (2009)
  5. Chevrolet Malibu Hybrid (2009)
  6. Chevrolet Aveo (2009)
  7. Jaguar XF-Series (2010)
  8. Buick Lucerne (2009)
  9. Buick LaCrosse (2009)
  10. Subaru Impreza (2009)

Large sedans are typically, cheaper to insure than most other vehicles due to their size (bulk) and weight, which represents safety to the insurance company, in the event that the vehicle is involved in a collision.

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