When shopping for auto insurance , many people focus on their driving record, age, or location—but one major factor that often gets overlooked is your vehicle type. At Riseson Insurance , we help Arizona drivers understand how the kind of car they drive can directly impact their premiums.

Insurance providers assess risk based on historical data, and vehicle type plays a big role in this. Here’s how:

Safety Ratings: Cars with higher safety ratings tend to qualify for lower premiums because they’re less likely to result in costly injury claims. Repair Costs: Luxury or imported cars can cost more to repair, which leads to higher insurance rates. Theft Rates: Vehicles that are more frequently stolen often come with higher premiums. Performance: Sports cars or high-horsepower vehicles typically lead to higher rates due to the increased risk of speeding or accidents. Size and Use: Larger vehicles like trucks and SUVs may offer better protection in crashes, but their insurance rates can vary depending on how they’re used (personal vs. commercial ).

Sedans: Generally affordable to insure, especially if they have good safety records. SUVs and Crossovers: Depending on the make and model, these can offer a balance of safety and utility—often resulting in moderate rates. Trucks: Can be more expensive to insure if used for business or hauling heavy equipment. Electric Vehicles (EVs): While they save money on fuel, EVs can sometimes cost more to insure due to specialized repair needs. Sports Cars: Higher risk equals higher premiums. Their performance specs often attract higher insurance costs.

At Riseson Insurance, we compare rates from top providers to ensure you're getting the best value, no matter what kind of vehicle you drive. Whether you're zipping around Phoenix in a hybrid, navigating the streets of Scottsdale in an SUV, or commuting from Chandler in a compact car—we’re here to tailor a policy that fits your needs and budget.

We proudly serve the communities of Tempe , Phoenix, Scottsdale, Tucson , Gilbert , and Chandler. Our local expertise allows us to factor in regional trends, vehicle preferences, and provider discounts that can benefit you directly.

No matter the make or model, having the right insurance coverage is crucial. Let us walk you through the options—from liability -only policies to full coverage that includes collision , comprehensive, and more.

Call Riseson Insurance at 602-460-5470 today for a free quote and personalized guidance.

Why Vehicle Type Matters

Examples of Vehicle Types and Their Insurance Impact

How We Help You Save

Get the Right Coverage for Your Vehicle

• Safety Ratings: Cars with higher safety ratings tend to qualify for lower premiums because they’re less likely to result in costly injury claims.
• Repair Costs: Luxury or imported cars can cost more to repair, which leads to higher insurance rates.
• Theft Rates: Vehicles that are more frequently stolen often come with higher premiums.
• Performance: Sports cars or high-horsepower vehicles typically lead to higher rates due to the increased risk of speeding or accidents.
• Size and Use: Larger vehicles like trucks and SUVs may offer better protection in crashes, but their insurance rates can vary depending on how they’re used (personal vs. commercial ).

• Sedans: Generally affordable to insure, especially if they have good safety records.
• SUVs and Crossovers: Depending on the make and model, these can offer a balance of safety and utility—often resulting in moderate rates.
• Trucks: Can be more expensive to insure if used for business or hauling heavy equipment.
• Electric Vehicles (EVs): While they save money on fuel, EVs can sometimes cost more to insure due to specialized repair needs.
• Sports Cars: Higher risk equals higher premiums. Their performance specs often attract higher insurance costs.