Cheapest cars to insure

Find out how what you drive affects how much you'll pay to protect it.

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Your premium is the product of many factors, and the car you drive is a huge part of the equation. While there are plenty of ways to cut the cost of car insurance, the best way to save is by choosing a car that’s cheaper to cover. Compare the car models that are cheapest and most expensive for car insurance.

Which car models are cheapest to insure?

Insurance rates not only reflect the car’s sticker price, but its safety and reliability, claims history and estimated repair costs. With that logic, cheaper cars usually have lower premiums because they cost less to repair or replace if they’re totaled after an accident.

You can also expect to pay cheaper rates for models that score top marks in crash tests conducted by the National Highway traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety. And models with a positive claims history, which includes the likelihood and cost of claims, tend to be cheaper to insure.

Cheapest car models to insure

Your location is a major factor in determining car insurance rates. Even a change in ZIP code without leaving the state can affect your premium. Keep that in mind when comparing quotes for any of the models we ranked in your area.

Here, we’ve zeroed in on rates in New York. These are the premiums a driver with good credit and an accident-free driving record can expect to pay for insuring a 2017 model with basic coverage.

RankMake and modelAverage monthly premium
1Chrysler Pacifica$132
2Honda Odyssey$132
3Toyota Tundra$135
4Honda Pilot$137
5Subaru Outback$139
6Subaru Forester$141
7Toyota Tacoma$142
8Subaru WRX$144
9Honda Fit$145
10Volkswagen Golf R$145

Why did these cars make the list?

Safer cars get lower rates. Let’s look at the Honda Odyssey. Year after year, it consistently appears on lists for the cheapest cars to insure for a few key reasons. For starters, it has an overall five-star safety rating from the NHTSA and is equipped with sophisticated safety features.

Next, it’s a minivan, which is likely to be driven by parents with children who typically are cautious drivers. This means fewer accidents and fewer claims, which is music to an insurer’s ears.

Cheapest for most cars: Progressive

Get a quote online in minutes and find some of the lowest rates and wide coverage options for almost any driver.

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  • Top-rated insurer
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Find the cheapest insurance for your car

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get a quote online in minutes and find some of the lowest rates and wide coverage options for almost any driver.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for drivers over the age of 54.
Clearcover
Optional
Yes
AZ, CA, IL, TX, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.

Compare up to 4 providers

Which car brands are cheapest to insure?

Let’s talk about car makes. In the US, these popular car brands tend to have cheaper insurance.

Cheapest car makes to insure

We used the same driver profile as above to compare rates across models of the same make to find the cheapest cars to insure in New York.

Keep in mind that these are averages, and some models are exceptions. For example, Nissans are among the most cost-effective cars to insure, unless you have a Nissan GT-R Nismo — a high-performance sports car with over 500 horsepower.

For luxury cars, BMW and Mercedes-Benz vehicles are surprisingly cheap to insure, until you get to the convertibles and very expensive models.

Which car types are cheapest to insure?

In general, this is where car types sit on the cost-of-insurance spectrum.

Cheap

  • Hatchback
  • Minivan
  • Sedan
  • Station wagon
  • SUV

Expensive

  • Classic and exotic car
  • Convertible
  • Diesel car
  • Luxury car
  • Mini car
  • Modified car
  • Sports car

What types of cars are cheapest to insure?

What goes into those rates? Cheaper cars to insure will generally cost less to buy, maintain and repair. Switching cars is one of the best things you can do for your car insurance rates.

Cheapest cars to insure

    • Safer. Cars with more safety features cost less to insure because they hold up better in accidents.
  • Lower claims risk. Sedans and minivans tend not to be involved in as many crashes, which means they’re lower risk cars.
  • Cheaper MSRP. High-end luxury cars are more expensive to repair and replace.
  • Less powerful engine. The higher the horsepower, the more you’ll pay for your car insurance.
  • Easy to repair or replace. The more it costs to repair your car after an accident, the more risk it presents to an insurer.

Expensive cars to insure

  • High-theft vehicle. Some cars are targeted by thieves because they’re easier to steal or sell.
  • Diesel cars. Diesel cars often cost more to repair than cars that need gasoline.
  • Convertibles. Convertible roofs tend to need more repairs than standard car roofs, and they can be easier to break in to.
  • Luxury cars and sports cars. If your car is expensive or has a higher crash risk, you’ll usually see higher insurance rates.
  • Modified cars. Cars with modifications like more horsepower or tinted windows can have higher rates.
  • Vintage cars and exotic cars. Spare parts can be much harder to track down for vintage and classic cars and imports.

Get the cheapest quotes

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Bottom line

Generally, the cheapest cars to insure are practical, safe, conventional and affordable — both to buy and repair. In addition, they typically have fewer claims and accidents. To cover their own risk, insurers usually jack up the rates for expensive, luxury and high-performance cars.

While the car you drive affects your insurance rates, it’s not the only factor. Shop around and compare rates with different companies to get the best possible value for your coverage.

Common questions about cheap cars to insure

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