What is the difference in insurance premiums between 6-seater and 7-seater cars?

2 Answers
VanAmy
07/23/25 9:00pm
The difference in insurance premiums between 6-seater and 7-seater cars lies in the premium price. Insurance companies generally apply different rate standards based on the vehicle type for small passenger cars: passenger cars with 6 seats or fewer, and passenger cars with 6-10 seats. Therefore, in terms of insurance, 5-seater and 6-seater/7-seater cars fall into two different categories, using different base rates. The difference between 6-seater and 7-seater cars is only about buying one more or one fewer seat insurance. Below are the differences between 6-seater and 7-seater cars: 1. Annual inspection: 6-seater cars enjoy an exemption from inspection for the first 6 years, only requiring the application for an inspection mark every 2 years. In contrast, 7-seater cars are slightly more troublesome, requiring an annual inspection at the testing site every 2 years. 2. Space layout: Although 7-seater cars have one more seat, the difference in space performance between them and 6-seater cars is not significant. 7-seater MPVs generally adopt a 2-2-3 seating layout, similar to the 2-2-2 seating layout of 6-seater MPVs, with a small aisle left in the middle of the second row, offering the same level of convenience.
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XavierDella
08/10/25 6:54pm
Last time I changed cars, I specifically researched the insurance premiums for 6-seater and 7-seater models. To be honest, the number of seats doesn't really affect the premium much—it mainly depends on the car brand and price. My sales friend told me that insurance companies pay more attention to factors like vehicle safety ratings, repair costs, and theft probability. However, I did notice that 7-seaters are slightly more expensive for passenger insurance since they cover up to 7 people. But the overall difference is only about 200-300 yuan per year. If you're comparing the 6-seat and 7-seat versions of the same car model, the premiums are basically the same. Instead, I'd recommend checking the claim rate and parts-to-labor ratio for the model before buying—those factors have a bigger impact on premiums.
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