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Car insurance pricing is a complex process: myriad factors go into your car insurance rates. One of the factors within your control that contributes to auto insurance premiums is the vehicle make and model you choose. High-performance vehicles, sports cars, electric vehicles, and luxury SUVs are among the most expensive cars to insure, based on their pricey cost-of-replacement and expensive parts.
As the nation’s leading car insurance search engine, The Zebra has auto insurance rates from every ZIP code in the United States. Using data from our proprietary quote engine, we collected the top 10 most affordable cars to insure (see here for detailed methodology). Our data shows that the Subaru Outback, with an MSRP starting at $26,645, is the cheapest car to insure in the US. Its 6-month premium is $644 or $107 per month making the Outback 20% cheaper than the national average for car insurance.
The Subaru Outback is the cheapest car to insure in 2020. Average insurance costs add up to just 4.84% of the vehicle's total manufacturer-suggested retail price (MSRP). On average, a 6-month insurance policy for a Subaru Outback is $650 or $109 per month. If you’re looking for the most affordable rate, consider Bear River. Our data shows Bear River charges $559 or a 6-month policy. If Bear River isn’t in your area (they are a local company), consider Nationwide which averages $415 for a 6-month policy.
GMC Canyon owners enjoy the country's second-most affordable auto insurance premiums. Typical insurance rates amount to $106 less than the national average — about $657 for a 6-month insurance policy. Like the Outback, Bear River offers the cheapest premium — $234 for a 6-month policy or $46 per month. Nationwide, GEICO, and USAA are other affordable options as well.
Nissan Frontier is the 3rd cheapest insurance option and the cheapest truck to insure. Typical auto insurance costs $63 less than the national average — about $10 a month in savings. Bear River is again the cheapest insurance company for the Frontier at $50 per month or $302 total. However, if you’re looking for a bigger company, Nationwide is your next option at $502/6mo.
Fiat 500X owners pay the nation's fourth-most affordable car insurance rates. Average auto insurance rates for a Fiat 500X are $722 for a 6-month policy, making it the cheapest crossover SUV available. Our data shows that Bear River offers the cheapest premium at $321 for a 6-month policy. Hanover, a preferred specialty company, is the most expensive. If you’re looking for a national company, consider Nationwide and GEICO.
Jeep Compass is the 5th cheapest vehicle to insure and the 2nd cheapest SUV crossover. For a 30-year-old single man with a good driving record, a Jeep Compass will set you back $735 for a 6-month policy. You can lower this average by selecting Bear Rivers as your insurer — which offers the lowest rate at $329. If Bear Rivers is not in your area, consider Nationwide ($529) or USAA ($552).
Drivers of the GMC Sierra enjoy America's sixth-most affordable car insurance premiums and 2nd cheapest truck. For a 6-month policy, the Sierra will set you back $740 or $123 per month. Compared to the other truck (Nissan Frontier) featured in this list, the Sierra is $40 more expensive to insure. If you’re in the market for a Sierra, consider Bear River, Nationwide, Arbella, and Grange Insurance.
The 3rd crossover on our list, the Ford Escape is the 7th cheapest car to insure. Average 6-month premiums range from $321 to $2,682 — all metrics constant. If you want the most affordable coverage, shop with Bear River, Nodak, and Grange Insurance. Nationwide, Erie, and GEICO are affordable options as well if you want a big name for your insurance provider.
The Ford Transit Connect is a popular cargo and transportation van and the only one on our list. Our data shows that Ford Transit Connect will set you back $740 for a 6-month premium or about $123 per month. Premiums for this van range from $333 (Bear River) to $2,418 (Hanover). Grange Insurance, Erie, and Nationwide are other cheap options for insurance.
The Chevy Traverse is our 4th cheapest crossover and 9th cheapest overall vehicle to insure. The Traverse costs $741 per 6-months to insure — about 3% cheapest than the national average. If you’re in the market for a Chevy Traverse, consider Co-Op Insurance. Its average premium starts at $412. Other affordable options are Bear River, Nodak, and Nationwide.
The Kia Sportage is our 10th featured vehicle and our 5th crossover! With insurance premiums averaging at $743, the Sportage is $20 cheapest to insure for a 6-month policy than the national average. If you want to save additional money on your car insurance bill, consider Bear River, Grange Insurance, GEICO, USAA, and Co-Op Insurance.
The big trends for cheap vehicles in 2020 are crossovers. Of the 10 vehicles we surveyed, 5 were crossovers. The cheapest being the Subaru Outback and most expensive the Kia Sportage. If you’re in the market for a cheap vehicle, consider these make types. But there are many reasons why a car is cheap or expensive to insure. Safety rating, repair costs, and vehicle value are a few things that can hurt a vehicle’s affordability.
A big thing to keep in mind, however, if your impact on your car insurance. Our data was from a single 30-year-old man with full coverage, good credit score, and good driving history. Chances are, this does not fit your driving profile. The only way to find the cheapest vehicle is to look for the cheapest vehicle for you. Start with the vehicles we have surveyed and use our comparison tool for free and personalized quotes!
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The Subaru Outback comes with the added bonus of the nation's most affordable insurance rates. Typical insurance costs are only 5.19% of the vehicle’s total manufacturer-suggested retail price (MSRP). On average, the annual insurance premium for a Subaru Outback is $1,392. If you’re looking to save, Country Financial offers the lowest car insurance rates for an Outback. ALFA offers coverage at a much higher cost.
The average annual premium for the Chevrolet Colorado is $1,414. Most insurance companies recognize these vehicles as cheap to repair, which is why your insurance premium is only 4.93% of the total MSRP. Texas Farm Bureau covers the Chevrolet Colorado for the least, with annual premiums of just $735. GEICO's policies cost quite a bit more — around $1,904 per year.
If you drive a Ford Escape, good news — your annual premium should be around $1,438. As one of the cheaper cars to insure, premium costs sum to just 5.77% of the vehicle’s MSRP. Plymouth Rock Insurance offers reasonable rates for compact sports utility vehicles such as the Escape — around $561 per year. If you’re willing to spend more, Liberty Mutual provides solid coverage and assistance.
Auto insurance premiums are low for the Fiat 500x. Your insurance costs should only be about 6.68% of the vehicle’s total MSRP. The average annual premium for a Fiat 500x is $1,441. If you’re looking to save, GEICO offers the lowest car insurance rates. You can still get excellent coverage with Metlife, but at a much higher cost.
The average annual premium for the Subaru Crosstrek is $1,446. The Crosstrek boasts affordable maintenance costs, leading to an insurance premium of just 6.37% of the total MSRP. Erie covers the Subaru Crosstrek at the lowest cost — an annual premium of $476. 21st Century offers coverage at a higher price.
If you have a Jeep Compass, good news — your annual premium should be just $1,449. As one of the cheaper cars to insure, the Jeep's insurance-to-MSRP ratio is just 6.56%. USAA tends to assign low premiums to this model, with an average annual premium of $574 However, if you’re willing to spend more (on average, $1,209 in annual premiums), 21st Century might offer superior coverage and assistance.
With a subcompact SUV like the Honda HR-V, you can expect your car insurance premiums to be pretty low. Your insurance costs should only be about 6.82% of the vehicle’s total manufacturer's suggested retail price. On average, your annual premium for a Honda HR-V will be $1,463. But if you’re looking to save, Progressive offers the lowest car insurance rates for this car. Farmers will also offer excellent coverage, but at a much higher cost.
The average annual premium for a subcompact SUV such as the Buick Encore is $1,468. Most insurance companies recognize these vehicles as cheap to repair, which is why your insurance premium is only 6.12% of the total MSRP. GEICO can cover your Buick Encore for the cheapest at an annual premium of $551. ALFA will cost quite a bit more, but they will still offer top-rate coverage for your vehicle.
If you have a GMC Sierra, you’re in luck — your annual premium should be around $1,474. The Sierra's typical auto insurance cost totals just 3.64% of the vehicle’s MSRP. Progressive tends to give low rates to pickup trucks, around $364 in annual premiums. However, if you’re willing to spend more (on average, $1,041 in annual premiums), Farmers provides superior coverage and assistance.
The average annual premium for a pickup truck such as the Toyota Tacoma is $1,475. Most insurance companies recognize Tacomas as cheap to repair, assigning insurance rates of just 5.0% of the total MSRP. Plymouth Rock Insurance can cover your Toyota Tacoma for the cheapest at an annual premium of $711. Liberty Mutual will cost quite a bit more, but they will still offer top-rate coverage for your vehicle.
Using the same methodology as above, we got rates for what it would cost to insure a five-year-old vehicle. Below are the cheapest used cars to insure in 2018.
One of the easiest ways to save on car insurance is to spend less upfront by purchasing a used car. Both the MSRP and insurance premiums decrease over time.
Compare the following rates for the top 10 cheapest vehicles to insure after 1 and 5 years, and remember: a car starts depreciating the second you drive it off the lot.
|Rank||Least Expensive||Premium||1Y Rate||5Y Rate|
|1||Subaru Outback||$ 1,288.56||$ 1,333.78||$ 1,207.88|
|2||GMC Canyon||$ 1,302.27||$ 1,330.54||$ 1,204.94|
|3||Nissan Frontier||$ 1,387.55||$ 1,330.19||$ 1,204.63|
|4||Fiat 500X||$ 1,437.85||$ 1,330.09||$ 1,204.54|
|5||Jeep Compass||$ 1,457.71||$ 1,324.53||$ 1,199.50|
|6||GMC Sierra||$ 1,464.06||$ 1,318.79||$ 1,194.30|
|7||Ford Escape||$ 1,470.21||$ 1,300.83||$ 1,178.03|
|8||Ford Transit Connect||$ 1,470.31||$ 1,255.32||$ 1,136.82|
|9||Chevrolet Traverse||$ 1,470.70||$ 1,178.17||$ 1,066.95|
|10||Kia Sportage||$ 1,474.28||$ 1,165.76||$ 1,055.72|