Sleek gray Honda Civic parked outdoors on a clear day, showcasing its modern design and sporty stance as one of the cheapest cars to insure.

The Top Picks For The Cheapest Cars to Insure


Hey there, savvy car shoppers! Let’s talk about a topic near and dear to our wallets: car insurance. Whether you’re a seasoned driver or a newbie hitting the road, finding a car that won’t break the bank when it comes to insurance is a smart move. So, buckle up as we explore the world of the cheapest cars to insure.

The Cheapest Cars To Insure

When it comes to popular models, some cars stand out for their wallet-friendly insurance rates. Think Honda Civic, Toyota Corolla, and Subaru Outback. These vehicles boast solid safety features, reasonable repair costs, and lower theft rates, making them favorites among insurance companies.

The Cheapest Cars to Insure

The Cheapest Cars To Insure By Vehicle Type

If you’re eyeing a specific vehicle type, here’s the lowdown. Sedans like the Honda Accord and Hyundai Elantra typically come with affordable insurance premiums. For SUV enthusiasts, models such as the Jeep Wrangler and Subaru Forester offer good insurance deals. And if you’re thinking of going green with a hybrid or electric car, the Toyota Prius and Nissan Leaf often come with lower insurance costs due to their eco-friendly features and lower repair expenses.

Cars That Cost The Most To Insure

On the flip side, some cars can drain your bank account faster than you can say “premium.” Luxury vehicles, high-performance cars, and flashy sports cars often come with hefty insurance premiums. Think BMW M3, Mercedes-Benz S-Class, and Dodge Challenger. These models tend to have higher repair costs and are more likely to attract attention from thieves or lead-footed drivers, driving up insurance rates.

What Affects Car Insurance Costs?

Several factors can influence your car insurance premium, including your driving record, age, location, credit score, and the type of coverage you choose. Additionally, the make and model of your vehicle play a significant role in determining insurance rates.

Does The Car’s Model Affect Insurance Rates?  

Insurance companies assess the risk associated with insuring a particular car model based on factors like safety ratings, repair costs, theft rates, and overall performance. Cars with excellent safety features, affordable repair expenses, and lower theft rates generally qualify for cheaper insurance rates.

How To Get A Lower Car Insurance Rate

To snag a lower car insurance rate, consider bundling your policies, maintaining a clean driving record, opting for a higher deductible, and taking advantage of discounts for safe driving habits or anti-theft devices. Additionally, shopping around and comparing quotes from different insurance providers can help you find the best deal.

The Average Cost Of Car Insurance

While the average cost of car insurance hovers around $1,500 per year for Americans, this figure can vary greatly depending on individual circumstances. Features such as high-performance engines, advanced technology systems, and a history of frequent claims can drive up insurance costs, as can a vehicle’s susceptibility to theft or extensive damage in accidents.

While the trim level of a car can impact insurance rates to some extent, the difference is generally minimal compared to factors like safety ratings and overall vehicle type.

Ultimately, certain car models consistently rank among the most affordable to insure, thanks to their combination of safety, affordability, and lower risk factors. By prioritizing insurance-friendly vehicles, drivers can enjoy peace of mind on the road without breaking the bank. So, buckle up, drive responsibly, and explore the world of budget-friendly rides!


So, there you have it—your guide to finding the cheapest cars to insure. Remember, while getting a good deal on insurance is essential, safety should always be a top priority. So, buckle up, drive responsibly, and happy car shopping!

Featured Image Credit: Deposit Photos