A new analysis from Insuranceopedia is putting repair economics back into focus. Even with insurance in place, Samsung Galaxy users are paying noticeably more than Apple iPhone owners when something goes wrong.

Repairs for Samsung devices average between $100 and $120 under Samsung Care+, while comparable fixes under AppleCare+ land closer to $75. That gap can stretch as high as 60 percent depending on the type of damage.

The study models real-world scenarios, where cracked screens dominate claims, followed by more serious damage and a smaller share of full replacements.

On paper, plans from Samsung and Apple look similar. Monthly fees are in the same ballpark, and coverage categories overlap.

Apple sticks to a fixed fee structure, which keeps costs predictable across its lineup. Samsung’s pricing varies by device and repair type, which introduces a wider spread in out-of-pocket expenses.

Samsung’s shift toward premium hardware over the past few years, including foldables like the Galaxy Z Fold series, has pushed average repair costs upward. These devices are more complex to fix and naturally more expensive to service.

Insuranceopedia’s model attempts to reflect typical user behavior.

Most users deal with minor damage, fewer face major issues and very few lose or replace their phones entirely. Even under those assumptions, Samsung’s average still lands well above Apple’s.

Insurance is meant to reduce uncertainty. In this case, the data suggests that for Galaxy users, the final bill can still come with more variation than expected.

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