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Cheapest cars to insure

When looking for a new car, you research its features and compare prices to make sure you're getting the best deal. You also want to know which cars are the cheapest to insure. When compared to other cars, minivans and small SUVs are, on average, the least expensive to insure.

Car insurance for Sedans is the most expensive in the industry as a whole. Some cars cost more to insure than others for a variety of reasons, such as high repair costs, a bad safety record, or a lack of anti-theft features.

What are the cheapest cars to insure in 2022

Model Premium Rates
Honda HR-V $2,346
Mazda CX-5 $2,355
Volkswagen Tiguan $2,358
Jeep Wrangler $2,389
Subaru Forester $2,399
Hyundai Kona $2,402
Honda CR-V $2,456
Ford Escape $2,476
Kia Sportage $2,487
Hyundai Tucson $2,510
Nissan Rogue $2,536
Honda Pilot $2,562
Ford Ranger $2,572
Chevrolet Equinox $2,580
Hyundai Crosstrek $2,598

Cheapest Car To Insure in Different States In 2022

State strong>Model Average Annual Premium
Alaska Jeep Wrangler Black and Tan $970
Alabama Hyundai Kona SEL+ $1393
Arkansas Jeep Wrangler Black and Tan $1393
Arizona Chevrolet Express G2500 $1308
California Jeep Wrangler Black and Tan $1578
Colorado Chevrolet Express G2500 $1639

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Cheapest cars to insure among popular models [25 Best selling vehicles according to way]

Rank Average Annual Premium MSRP Insurance as % of MSRP
Subaru Outback $1,337 $26,945 5.0%
Subaru Forester $1,349 $25,195 5.3%
Honda CR-V $1,362 $26,400 5.1%
Jeep Wrangler $1,410 $29,725 4.7%
Hyundai Tucson $1,410 $25,500 5.5%
Mazda CX-5 $1,412 $25,900 5.5%
Ford Escape $1,427 $26,010 5.5%
Honda Pilot $1,442 $37,580 3.8%
Chevrolet Equinox $1,459 $25,800 5.7%
Ford F-150 $1,465 $29,990 4.9%
Toyota RAV4 $1,477 $26,525 5.5%
Toyota Tacoma $1,482 $26,700 5.5%
Chevrolet Silverado 1500 $1,524 $29,300 5.2%
Toyota 4Runner $1,534 $37,605 4.1%
Jeep Grand Cherokee $1,543 $37,785 4.1%
Ford Explorer $1,570 $33,245 4.7%
Honda Accord $1,601 $26,120 6.1%
Honda Civic $1,607 $22,350 7.2%
GMC Sierra 1500 $1,610 $32,895 4.9%
Toyota Highlander $1,617 $35,405 4.6%
Toyota Corolla $1,623 $20,175 8.0%
Toyota Camry $1,641 $25,395 6.5%
Dodge Ram 1500 $1,641 $35,200 4.7%
Tesla Model Y $2,268 $60,990 3.7%

Cheapest cars to insure by make

Model Average Annual Premium
Nissan $2,016
Honda $2,080
Toyota $2,106
Chrysler $2,342
Dodge $2,440
BMW $2,456
Lexus $3,016

Cheapest cars to insure by car type

EPA Size Class Cheapest Model Average Annual Premium
Small Station Wagon Honda HR-V $2,346
Small Sport Utility Vehicle Mazda CX-5 $2,353
Standard Pickup truck Ford Ranger $2,569
Minivan Honda Odyssey $2,592
Standard Sport Utility Vehicle Chevrolet Traverse $2,654
Small Pickup truck Toyota Tacoma $2,668
Midsize car Honda Civic $2,742
Large car Honda Accord $2,832
Compact car Toyota Corolla $2,936

Cheapest SUVs to insure

Model Average Annual Premium
Honda CR-V $1,190
Ford Escape $1,230
Toyota RAV4 $1,273
Chevy Equinox $1,278
Jeep Wrangler $1,280
Jeep Cherokee $1,288
Ford Explorer $1,346
Jeep Grand Cherokee $1,349
Chevy Tahoe $1,416
Acura MDX $1,356

Cheapest sports cars to insure

Model Average Annual Premium
Subaru WRX $1,586
Chevrolet Camaro $1,612
Subaru BRZ $1,616
Dodge Charger $1,617
Dodge Challenger $1,710
Nissan 370Z $1,766
Chevrolet Corvette $1,768
Ford Mustang $1,799
BMW i8 $2,912
Audi R8 $2,986

Middle of the pack: Medium-expensive cars to insure

Model Average Annual Premium
Jeep Cherokee Limited $1,812
Chevrolet Blazer 2LT $1,818
Chevrolet Silverado 1500 WT $1,820
Toyota Tundra SR $1,824
Volkswagen Jetta SE $1,839
Honda Civic EX $1,842
Toyota 4Runner Limited $1,852
GMC Sierra 1500 $1,856
Ford Fusion SE $1,864
Chevrolet Malibu L $1,886
Chevrolet Tahoe LS $1,889
Chrysler Pacifica Limited $1,898

The most expensive cars to insure

Model Average Annual Premium
Lexus NX 300h $2,024
Dodge Ram 1500 Rebel $2,029
Lexus RX 350 $2,114
Nissan Altima 2.0 S $2,146
Tesla Model 3 Standard Plus $2,464
Volvo XC90 T8 Inscription $2,476
Lexus ES 300H $2,496
Tesla Model S Performance $3,986

Cheapest cars for insurance in 2020

1.Subaru Outback

The least expensive car to insure was the Subaru Outback. Average insurance costs were only 4.8% of the manufacturer's suggested retail price of the car (MSRP). On average, it costs $120 per month to insure a Subaru Outback.

2.GMC Canyon

GMC Canyon owners had the second-cheapest car insurance rates in the country. Average insurance rates are about $122 per month, which was almost $20 less than the national average.

3.Nissan Frontier

The Nissan Frontier was the least expensive truck to insure and the third least expensive car to insure. The average cost of car insurance in a state is $68 less than the national average.

4.Fiat 500X

The car insurance rates for Fiat 500X owners were the fourth cheapest in the country. The average cost of car insurance for a Fiat 500X is $130 per month, which makes it the least expensive crossover SUV.

5.Dodge Compass

The Jeep Compass costs the fifth least to insure and was the second least expensive SUV crossover. A Jeep Compass would cost a 30-year-old single man with a good driving record $134 per month.

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Cheapest cars for insurance in 2019

1.Subaru Outback

The insurance rates for the Subaru Outback were the lowest in the country, which was an added bonus. Average insurance costs are only 6% of the manufacturer's suggested retail price of the car (MSRP). On average, it costs $120 a month to insure a Subaru Outback.

2.The Chevy Colorado

The average cost of insurance for a Chevrolet Colorado was $124 per month. Most insurance companies knew that these cars were easy to fix, so the premium was only 5% percent of the total MSRP.

3.Ford Escape

The good news was that if you drove a Ford Escape, your monthly premium would have been around $128. As one of the least expensive cars to insure, the premiums were only 6% of the car's MSRP.

4.Fiat 500x

The Fiat 500x had low rates for car insurance. Your insurance costs would have been no more than 7% of the car's MSRP. On average, a Fiat 500x costs $130 a month to insure.

5.Subaru Crosstrek

The average Subaru Crosstrek insurance premium was $130 per month. The maintenance costs for the Crosstrek were low, and the insurance premium was only 7% of the MSRP.

Cheapest cars for insurance in 2018

1.Honda CR-V

Honda CR-V costs around $110 per month on average. It is a miniature sport utility vehicle with a list price of $24,250. The cheapest insurance provider was Progressive.

2.Toyota Highlander

Toyota Highlander had a monthly premium is $112 for a minivan. Its MSRP is $30,090. Progressive was the most affordable insurance provider.

3.Jeep Cherokee

Jeep Cherokee owners were paying $113 a month on average for an SUV. It has a retail price of $21,695. The cheapest insurance provider was USAA.

Can car models determine your insurance rate?

When asking for a quote on car insurance, you will need to give the model and make of the car you are interested in. A VIN is also needed to finish the policy, but giving it early in the process of getting a quote is better.

The price you pay for car insurance is based not only on how risky you and your car are, but also on how much it would cost to replace your car. Because your comprehensive and collision coverages are meant to pay for damage to your car, the value of your car has a lot to do with how much you pay for insurance.

Lower the features, lower the insurance rates

How much you pay for car insurance depends directly on the make, model, and trim of your car. This is because insurers use this information to figure out how much your car is worth, what safety features it has, and how much it might cost to fix. For example, repairing a luxury car cost more than repairing a standard car, so the premiums are higher for luxury cars.

Vehicle MSRP : Most of the time, it costs more to fix a more expensive car because it has custom, foreign, or high-quality parts. This usually leads to higher insurance rates. You might also need higher coverage limits to pay for claims, which means you'll have to pay more for coverage.

Ratings for safety : Fewer accidents happen with safer cars, and they cost less to fix. That means that, on average, there will be fewer claims, which will save you money.

Chances of theft : Thieves often try to steal cars like the Honda Accord and the Chevy Impala. This makes insurance more expensive.

Sportiness : Most people are more likely to speed in a sportier car, which makes them more likely to get into an accident. Since soft tops can be easier to steal, there are also more thefts of convertibles.

Types of vehicles to avoid to get cheap insurance

Some people may think that luxury sports cars are the best cars ever made. They are fast, strong, and good-looking, and most of the time, they are also very luxurious. They can have a fixed hardtop, a convertible top, or a Targa, which is a one-piece roof panel that can be taken off.

Whether you want to drive with the top down on the boulevard or at high speeds around a racetrack, there is probably a luxury sports car that can make your dream come true. Getting a quote for auto insurance just like you would for any other car to cover an exotic or sports car is possible.

But keep in mind that high-performance cars can cause your car insurance rates to go up. With more horsepower, your insurance company takes on more risk. And not every insurance company covers all high-end cars. You may have to avoid these cars if you are looking for cheap insurance.

BMW 440i, Porsche Panamera, Mercedes-Benz C43 AMG, Genesis G70, Lexus RC 350, Audi S5, Mercedes-Benz S550, Mercedes-Benz E400, 2022 Chevrolet Corvette, 2022 Porsche Cayman, 2022 Porsche Boxster, 2022 Audi R8, 2022 Porsche 911, 2022 BMW 8-Series, Tesla Model S, Cadillac CTS-V Coupe are some high end and sports car with some hefty car insurance premium in 2022.

Other factors to get cheap insurance for your car

Using ways to save money when buying a new car is a great way to stick to your budget. One way to save money is to think about the brand and model you buy. Here are a few more ways to save money on car insurance:

Research and compare quotes

Even if you get quotes for the same coverages from different companies, the prices will probably be different. Rates are calculated differently by each carrier, so for the same coverage options, one may be more expensive than the other.

Ask for discounts

To lower the cost of car insurance, insurance companies offer discounts. Most can be combined to save you the most money, so make sure you ask about all the ones you qualify for to get the best car insurance quote.

Keep a clean driving record

Be a responsible driver. People who drive safely and don't get tickets tend to have fewer accidents and get fewer tickets. This can help you get more discounts and keep your rates low.

Increase your deductible

Think about raising deductibles. By raising your deductible, you can save money on your premium and avoid making small claims that could raise your car insurance costs. Your premium will be less if your deductible is higher. Before you change your deductible, remember that this is how much you will have to pay out of pocket if you make a claim.

Payment in full

Some car insurance companies give you a discount if you pay your premium all at once instead of paying it every month.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

What are the cheapest car to insure?

Top five cheapest cars to insure in 2022 are Honda HR-V, Mazda CX-5, Volkswagen Tiguan, Jeep Wrangler and Subaru Forester.

What are the cheapest sports cars to insure?

The cheapest sports cars to insure in 2022 are Subaru WRX, Chevrolet Camaro, Subaru BRZ, Dodge Charger and Dodge Challenger.

How to find the cheapest car insurance online?

To find the best auto insurance, you need to do research on different insurance providers. Then compare the quotes and pick one provider. You can easily find the best car insurance rates online when you enter the parameters.

What car color is cheapest to insure?

Red cars cost the same net expense to insure as all other colors of vehicles. Insurance firms have no rating programs for cars, but they do for several other factors.

How to find the cheapest car insurance for me?

Many factors impact the cost of auto insurance. To assess the sum of your premium, there are several variables to consider. It is fair to select the most affordable auto insurance policy, depending on your needs.

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