For a full breakdown of auto coverage, deductible strategy, and cost reduction tactics, see the Auto Insurance hub.
Find the most affordable cars to insure and learn what factors affect insurance costs.
Cheapest Cars to Insure (2026)
Average annual insurance costs based on full coverage for a 35-year-old driver with clean record
Top 10 Cheapest Cars to Insure
| Rank | Vehicle | Annual Insurance |
|---|---|---|
| 1 | Honda CR-V | $1,285 |
| 2 | Subaru Outback | $1,310 |
| 3 | Honda Odyssey | $1,325 |
| 4 | Jeep Wrangler | $1,340 |
| 5 | Subaru Forester | $1,355 |
| 6 | Mazda CX-5 | $1,365 |
| 7 | Toyota RAV4 | $1,380 |
| 8 | Honda Accord | $1,395 |
| 9 | Toyota Camry | $1,410 |
| 10 | Ford Escape | $1,425 |
Cheapest by Category
| Category | Cheapest Model | Annual Insurance |
|---|---|---|
| Sedan | Honda Civic | $1,420 |
| SUV | Honda CR-V | $1,285 |
| Minivan | Honda Odyssey | $1,325 |
| Truck | Ford F-150 (base) | $1,510 |
| Compact | Toyota Corolla | $1,445 |
| Midsize | Toyota Camry | $1,410 |
Most Expensive Cars to Insure
| Rank | Vehicle | Annual Insurance |
|---|---|---|
| 1 | Maserati Quattroporte | $4,200+ |
| 2 | BMW M8 | $3,800+ |
| 3 | Mercedes-AMG GT | $3,600+ |
| 4 | Tesla Model S Plaid | $3,400+ |
| 5 | Dodge Charger SRT | $3,200+ |
Expensive Categories
| Category | Avg Insurance |
|---|---|
| Sports cars | $2,500-$4,000+ |
| Luxury sedans | $2,000-$3,500 |
| High-performance | $2,500-$4,000+ |
| Exotic cars | $4,000-$10,000+ |
Insurance Cost by Vehicle Type
| Vehicle Type | Average Annual Cost |
|---|---|
| Minivan | $1,350 |
| Small SUV | $1,420 |
| Midsize sedan | $1,450 |
| Compact car | $1,475 |
| Midsize SUV | $1,520 |
| Full-size sedan | $1,550 |
| Pickup truck | $1,580 |
| Large SUV | $1,650 |
| Sports car | $2,100 |
| Luxury car | $2,300 |
What Makes Cars Cheap to Insure?
| Factor | Impact | Why |
|---|---|---|
| Safety ratings | Major | Fewer injuries = lower claims |
| Repair costs | Major | Cheap parts = cheaper claims |
| Theft rates | Moderate | Less theft = fewer total losses |
| Vehicle size | Moderate | Larger often means safer |
| Driver demographics | Moderate | Who typically drives it |
| Claim history | Moderate | Model’s track record |
Signs of Cheap-to-Insure Cars
| Good Signs | Bad Signs |
|---|---|
| High safety ratings | Sports car designation |
| Common parts | Expensive repair shops only |
| Low theft rates | High theft target |
| Family-oriented | Young driver appeal |
| Moderate horsepower | High horsepower |
Cheapest New Cars to Insure
| Vehicle | MSRP | Annual Insurance | Total Year 1 Cost |
|---|---|---|---|
| Nissan Versa | $16,500 | $1,450 | $17,950 |
| Kia Forte | $19,500 | $1,420 | $20,920 |
| Hyundai Elantra | $21,000 | $1,435 | $22,435 |
| Toyota Corolla | $22,000 | $1,445 | $23,445 |
| Honda Civic | $24,000 | $1,420 | $25,420 |
Cheapest Used Cars to Insure
3-5 years old
| Vehicle | Used Price | Annual Insurance |
|---|---|---|
| Honda CR-V | $22,000 | $1,180 |
| Toyota Camry | $18,000 | $1,220 |
| Subaru Outback | $24,000 | $1,210 |
| Honda Accord | $20,000 | $1,250 |
| Mazda CX-5 | $21,000 | $1,240 |
Insurance often cheaper on used cars due to lower vehicle value
Electric Vehicle Insurance Costs
| EV Model | Annual Insurance | vs. Similar Gas Car |
|---|---|---|
| Chevy Bolt | $1,650 | +15% more |
| Nissan Leaf | $1,550 | +12% more |
| Tesla Model 3 | $2,100 | +25% more |
| Tesla Model Y | $2,200 | +22% more |
| Ford Mustang Mach-E | $1,850 | +18% more |
Why EVs cost more to insure:
- Expensive battery repairs
- Specialized mechanics needed
- Higher vehicle values
- Newer technology = uncertainty
Insurance by Driver Profile
Same car (Honda CR-V), different drivers:
| Driver Profile | Annual Cost |
|---|---|
| 35-year-old, clean record | $1,285 |
| 25-year-old, clean record | $1,650 |
| 20-year-old, clean record | $2,100 |
| 45-year-old, clean record | $1,200 |
| 35-year-old, 1 accident | $1,750 |
| 35-year-old, 1 speeding ticket | $1,480 |
Tips to Lower Insurance Costs
Choose the Right Vehicle
| Strategy | Potential Savings |
|---|---|
| High safety ratings | 5-10% off |
| Low horsepower | 10-20% off |
| Anti-theft devices | 5-15% off |
| Common model | Lower repair costs |
Other Discounts
| Discount | Typical Savings |
|---|---|
| Bundle home + auto | 10-25% |
| Good driver | 10-30% |
| Low mileage | 5-15% |
| Defensive driving course | 5-10% |
| Good student (under 25) | 8-15% |
| Pay in full | 5-10% |
| Automatic payments | 3-5% |
Full Coverage vs Liability-Only
| Coverage Type | Honda CR-V Cost | Best For |
|---|---|---|
| Full coverage | $1,285/year | Newer cars, loans/leases |
| Liability only | $480/year | Older cars, paid off |
Rule of thumb: Drop full coverage when annual premium > 10% of car’s value
Shopping for Insurance
Compare Multiple Quotes
| Insurer | Same Driver, Same Car | Difference |
|---|---|---|
| Insurer A | $1,285 | Lowest |
| Insurer B | $1,450 | +12% |
| Insurer C | $1,620 | +26% |
| Insurer D | $1,380 | +7% |
Prices vary 20-40% between insurers for the same coverage
When to Shop
- Before buying a new car
- At renewal time
- After major life changes
- If rates increase
- Every 1-2 years
Related: Auto Loan Rates | How Much Car Can I Afford? | Best Auto Insurance
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy