Chrysler Insurance
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The Cheapest Vehicles to Insure in 2026
The most affordable cars to insure include the Buick Envista ($161/mo), Volkswagen Taos ($163/mo), and Subaru Outback ($163/mo).
Explore the full list below, or enter your ZIP code to start comparing car insurance rates from companies like GEICO, State Farm, Allstate, and more in minutes.
Why you can trust The Zebra
Reviewed By Meredith Gulledge
Edited By Renata Balasco
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Which cars are cheapest to insure in 2026?
In 2026, the cheapest vehicles to insure are the Buick Envista ($161/mo), Volkswagen Taos ($163/mo), Subaru Outback ($164/mo), and Subaru Forester ($166/mo). These insurance rates are about 30% less than the 2026 national average for car insurance.
| Rank | Vehicle | Monthly Premium | Vehicle MSRP |
|---|---|---|---|
| 1 |
Buick Envista |
$161 | $23,800 |
| 2 |
Volkswagen Taos |
$163 | $24,995 |
| 3 |
Subaru Outback |
$163 | $29,995 |
| 4 |
Subaru Forester |
$166 | $29,995 |
| 5 |
Volkswagen Tiguan |
$167 | $29,495 |
| 6 |
MINI Convertible |
$167 | $33,950 |
| 7 |
Chevrolet TrailBlazer |
$167 | $23,100 |
| 8 |
Subaru Crosstrek |
$168 | $26,560 |
| 9 |
MINI Cooper |
$170 | $28,950 |
| 10 | Ram 1500 | $177 | $40,275 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Why are some vehicles cheaper to insure than others?
Vehicles with lower insurance costs tend to have low to moderate MSRPs with lower overall claims risk, based on factors like driver demographics, theft rates, safety performance, and historical claim data. High-performance vehicles, luxury SUVs and many electric models are typically more expensive to insure due to their higher replacement values and expensive parts.
The cheapest cars to insure in 2026
1. Buick Envista
The Buick Envista tops our list as the cheapest car to insure in 2026, with drivers paying about $161 per month on average. To find the lowest rates for this compact SUV, consider starting with USAA, which costs around $124 per month.
2. Volkswagen Taos
Insurance for the Volkswagen Taos averages about $163 per month, making it one of the cheapest compact SUVs to insure this year. Drivers looking to save the most may want to start with Progressive, which averages roughly $107 per month.
3. Subaru Outback
The Subaru Outback is another affordable vehicle to insure, with coverage costing around $163 per month on average. In our analysis, American Family offers the lowest rates for this model, averaging about $107 per month.
4. Subaru Forester
Drivers pay about $166 per month to insure the Subaru Forester, keeping it among the cheapest SUVs for coverage. The most affordable option in our data comes from Nationwide, with average premiums around $126 per month.
5. Volkswagen Tiguan
The Volkswagen Tiguan costs about $167 per month to insure on average. Drivers searching for the lowest rates for this SUV may want to start with Progressive, which averages about $105 per month.
6. MINI Convertible
Despite being a convertible — a body style that often carries higher premiums — the MINI Convertible averages about $167 per month for insurance. The cheapest option in our dataset is Erie, costing roughly $119 per month.
7. Chevrolet TrailBlazer
Insurance for the Chevrolet TrailBlazer averages about $167 per month, placing it among the more affordable small SUVs to insure. USAA offers the lowest rates in our data, averaging around $119 per month.
8. Subaru Crosstrek
The Subaru Crosstrek comes in at about $168 per month for insurance, keeping it competitive among small crossovers. In our analysis, American Family offers the cheapest coverage for this model, averaging about $114 per month.
9. MINI Cooper
Drivers insure the MINI Cooper for about $170 per month on average. The most affordable insurer for the MINI Cooper in our dataset is Progressive, with premiums around $119 per month.
10. Ram 1500
Full-size pickups can be expensive to insure, but the Ram 1500 averages about $177 per month, making it one of the cheaper trucks for coverage. The lowest rates for this model come from American Family, at about $120 per month.
The cheapest vehicles to insure in previous years
| Vehicle | Average Monthly Premium | Insurance % of MSRP |
|---|---|---|
| Fiat 500X | $118 | 5.68% |
| Ford Transit Connect | $122 | 5.92% |
| Jeep Compass | $123 | 6.18% |
| Ford Escape | $124 | 5.96% |
| Subaru Outback | $123 | 5.53% |
| GMC Canyon | $123 | 5.61% |
| Honda CR-V | $123 | 5.85% |
| Subaru Forester | $123 | 5.99% |
| Mazda CX-3 | $106 | 7.22% |
| Subaru Crosstrek | $125 | 6.77% |
| Vehicle | Average Monthly Premium | Insurance % of MSRP |
|---|---|---|
| Subaru Outback | $124 | 5.53% |
| GMC Canyon | $124 | 5.61% |
| Nissan Frontier | $116 | 7.19 |
| Fiat 500X | $120 | 5.68% |
| Jeep Compass | $122 | 6.18% |
| GMC Sierra | $123 | 4.95% |
| Ford Escape | $124 | 5.96% |
| Ford Transit Connect | $123 | 5.92% |
| Chevrolet Traverse | $123 | 4.94% |
| Kia Sportage | $123 | 6.15 |
| Vehicle | Average Monthly Premium | Insurance % of MSRP |
|---|---|---|
| Subaru Outback | $116 | 5.19% |
| Chevrolet Colorado | $118 | 4.93% |
| Ford Escape | $120 | 5.77% |
| Fiat 500X | $120 | 6.68% |
| Subaru Crosstrek | $120 | 6.37% |
| Jeep Compass | $120 | 6.56% |
| Honda HR-V | $121 | 6.80% |
| Buick Encore | $122 | 6.12% |
| GMC Sierra | $123 | 3.64% |
| Toyota Tacoma | $123 | 5.00% |
| Vehicle | Type | MSRP | Average Monthly Premium |
|---|---|---|---|
| Honda CR-V | Compact SUV | $24,250 | $103 |
| Honda Odyssey | Minivan | $30,090 | $105 |
| Jeep Cherokee | SUV | $21,695 | $105 |
| Ford Escape | Compact SUV | $24,105 | $106 |
| Dodge Grand Caravan | Minivan | $26,250 | $107 |
| Chevrolet Equinox | Compact SUV | $23,800 | $107 |
| Jeep Wrangler | Compact SUV | $27,945 | $107 |
| Kia Sedona | Minivan | $27,000 | $109 |
| Toyota Sienna | Minivan | $31,115 | $110 |
| Subaru Forester | Compact SUV | $24,295 | $110 |
Curious how other vehicles compare?
Add vehicles to see how their insurance costs stack up against the cheapest cars to insure.
2025 Buick
Envista
Av. Cost
Per Year$1,929
Av. Per
Month$161
Cheapest Companies
USAA$124/m
American Family$133/m
GEICO$133/m
How does the age of a car affect insurance rates?
According to The Zebra's data, auto insurance rates drop around 3.4% for every year your vehicle ages (although the leap after the first year is often a little steeper). For example, an eight-year-old vehicle is approximately 25% cheaper to insure than when it's brand new. One of the easiest ways to get cheap car insurance is to spend less up front by purchasing a used car. Both the MSRP and insurance premiums decrease over time.
Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
