The Cheapest Vehicles to Insure in 2020

Use The Zebra to help get you the best deal on insurance for these budget-minded vehicles.

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What are the cheapest cars to insure in 2020?

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). For more information, check our rates for the cheapest vehicles to insure in 2019 and 2018

CHEAPEST CARS FOR INSURANCE IN 2020

Rank
Least Expensive
Premium
1
Subaru Outback
$1,288.56
2
GMC Canyon
$1,302.27
3
Nissan Frontier
$1,387.55
4
Fiat 500X
$1,437.85
5
Jeep Compass
$1,457.71
6
GMC Sierra
$1,464.06
7
Ford Escape
$1,470.21
8
Ford Transit Connect
$1,470.31
9
Chevrolet Traverse
$1,470.70
10
Kia Sportage
$1,474.28

 

least_expensive_subaruoutback

1. Subaru Outback

Drivers of the Subaru Outback pay the nation's most affordable insurance rates. Average insurance costs add up to just 4.84% of the vehicle's total manufacturer-suggested retail price (MSRP). On average, the yearly insurance rate for a Subaru Outback is $1,289. If your insurance budget is tight, Bear River offers the least expensive auto insurance rates for the Outback. Hanover is the most expensive option.

 

least_expensive_gmccanyon

2. GMC Canyon

GMC Canyon owners enjoy the country's second-most affordable auto insurance premiums. Typical insurance rates amount to just 5.87% of the vehicle's total manufacturer-suggested retail price (MSRP). On average, the annual insurance rate for a GMC Canyon is $1,302. If you're looking for savings, Bear River offers the least expensive auto insurance rates for the Canyon. Hanover offers coverage at a much higher cost.

 

least_expensive_nissanfrontier

3. Nissan Frontier

Nissan Frontier owners pay America's third-most reasonable car insurance. Typical auto insurance costs add up to just 7.19% of the vehicle’s total manufacturer-suggested retail price (MSRP). On average, the annual insurance cost for a Nissan Frontier is $1,388. If you're looking for savings, Bear River has the lowest rates for the Frontier. Hanover offers more expensive coverage.

 

least_expensive_fiat500x

4. Fiat 500X

Fiat 500X owners pay the nation's fourth-most affordable car insurance rates. Usual auto insurance rates total just 5.85% of the vehicle's total manufacturer-suggested retail price (MSRP). On average, the annual insurance outlay for a Fiat 500X is $1,438. If you're seeking savings, Bear River offers the least expensive car insurance premiums for the 500X. Hanover insures the 500X at the greatest cost to consumer.

 

least_expensive_jeepcompas

5. Jeep Compass

Jeep Compass owners enjoy the country's fifth-most reasonable insurance rates. Typical insurance rates are only 6.59% of the vehicle's total manufacturer-suggested retail price (MSRP). On average, the annual insurance rate for a Jeep Compass is $1,458. If you're looking for savings, Bear River offers the cheapest average rates for the Compass. Hanover provides coverage at a much higher cost.

 

least_expensive_GMCSierra

6. GMC Sierra

Drivers of the GMC Sierra enjoy America's sixth-most affordable car insurance premiums. Usual insurance rates add up to just 4.95% of the vehicle's full manufacturer-suggested retail price (MSRP). On average, the annual insurance rate for a GMC Sierra is $1,464. If your budget is tight, Bear River has the most affordable car insurance rates for the Sierra. Hanover insures the Sierra at the greatest cost.

 

least_expensive_fordescape

7. Ford Escape

Drivers of the Ford Escape typically pay America's seventh-most affordable insurance costs. Median auto insurance costs total just 5.91% of the model's total manufacturer-suggested retail price (MSRP). On average, the annual insurance cost for a Ford Escape is $1,470. If your budget is tight, Bear River offers the lowest auto insurance rates for the Escape. Hanover's coverage comes at a much higher price point.

 

least_expensive_fordtransit

8. Ford Transit Connect

Drivers of the Ford Transit Connect typically pay the nation's eighth-most reasonable auto insurance rates. The vehicle's average auto insurance costs add up to just 6.06% of the vehicle's total manufacturer-suggested retail price (MSRP). On average, the annual insurance cost for a Ford Transit Connect is $1,470. If you're looking to save, Bear River offers the most affordable insurance rates for the Transit Connect. Hanover sells coverage at a much higher cost.

 

least_expensive_chevtransit

9. Chevrolet Traverse

Drivers of the Chevrolet Traverse enjoy the country's ninth-most affordable auto insurance premiums. Average auto insurance costs are only 4.94% of the vehicle's total manufacturer-suggested retail price (MSRP). On average, the annual insurance cost for a Chevrolet Traverse is $1,471. If you‚Äôre looking to save, Co-Op Insurance offers the lowest insurance rates for the Traverse. Hanovers coverage for the Traverse is the most expensive among the providers surveyed. 

 

least_expensive_kiasportage

10. Kia Sportage

Kia Sportage owners enjoy America's 10th-most affordable car insurance premiums. Usual auto insurance rates are only 6.15% of the vehicle's total manufacturer-suggested retail price (MSRP). On average, the annual insurance premium for a Kia Sportage is $1,474. If you're looking to save, Bear River offers the most affordable insurance rates for the Sportage. Hanover is the most expensive company with which to cover the Sportage.

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What were the top 10 cheapest cars to insure in 2019?

subaruoutback_cheapest

1. Subaru Outback

 

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.

 

chevcolorado_cheapestinsure

2. Chevrolet Colorado

 

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.

 

fordescape_cheapestinsure

3. Ford Escape

 

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.

 

fiat500_cheapestinsure

4. Fiat 500x

 

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.

 

subarucross_cheapestinsure

5. Subaru Crosstrek

 

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.

 

jeepcompass_cheapestinsure

6. Jeep Compass

 

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.

 

honda-hrv_cheapestinsure

7. Honda HR-V

 

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.

 

buickencore_cheapestinsure

8. Buick Encore

 

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.

 

gmcsierra_cheapestinsure

9. GMC Sierra

 

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.

 

toyotatacoma_cheapestinsure

10. Toyota Tacoma

 

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.

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What were top 10 cheapest cars to insure in 2018?

 

Honda CR-V

1. Honda CR-V

  • Average annual premium: $1,232
  • Type: Compact SUV
  • MSRP: $24,250
  • Cheapest insurance company: Progressive
  • Most expensive insurance company: Metlife

 

Honda Odyssey

2. Honda Odyssey

  • Average annual premium: $1,260
  • Type: Minivan
  • MSRP: $30,090
  • Cheapest insurance company: Progressive
  • Most expensive insurance company: Metlife

 

Jeep Cherokee

3. Jeep Cherokee

  • Average annual premium: $1,265
  • Type: SUV
  • MSRP: $21,695
  • Cheapest insurance company: USAA
  • Most expensive insurance company: Infinity

 

Ford Escape

4. Ford Escape

  • Average annual premium: $1,269
  • Type: Compact SUV
  • MSRP: $24,105
  • Cheapest insurance company: Plymouth Rock
  • Most expensive insurance company: Liberty Mutual

 

Dodge Grand Caravan

5. Dodge Grand Caravan

  • Average annual premium: $1,278
  • Type: Minivan
  • MSRP: $26,250
  • Cheapest insurance company: Progressive
  • Most expensive insurance company: Metlife

 

Chevrolet Equinox

6. Chevrolet Equinox

  • Average annual premium: $1,282
  • Type: Compact SUV
  • MSRP: $23,800
  • Cheapest insurance company: Texas Farm Bureau
  • Most expensive insurance company: GEICO

 

Jeep Wrangler

7. Jeep Wrangler

  • Average annual premium: $1,288
  • Type: Compact SUV
  • MSRP: $27,945
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Infinity

 

Kia Sedona

8. Kia Sedona

  • Average annual premium: $1,308
  • Type: Minivan
  • MSRP: $27,000
  • Cheapest insurance company: Progressive
  • Most expensive insurance company: Metlife

 

Toyota Sienna

9. Toyota Sienna

  • Average annual premium: $1,321
  • Type: Minivan
  • MSRP: $31,115
  • Cheapest insurance company: Plymouth Rock
  • Most expensive insurance company: Liberty Mutual

 

Subaru Forester

10. Subaru Forester

  • Average annual premium: $1,321
  • Type: Compact SUV
  • MSRP: $24,295
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Infinity

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What were the top 10 cheapest used cars to insure in 2018?

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.

1. Honda Odyssey

honda odyssey

  • Average annual premium: $1,274
  • Type: Minivan
  • Cheapest insurance company: Bear River — $593
  • Most expensive insurance company: AAA — $1,981

 

2. Dodge Caravan

grand caravan

  • Average annual premium: $1,283
  • Type: Minivan
  • Cheapest insurance company: Bear River — $604
  • Most expensive insurance company: AAA — $2,008

 

 

3. Toyota Tacoma

toyota tacoma

  • Average annual premium: $1,295
  • Type: Pickup Truck
  • Cheapest insurance company: Nodak — $491
  • Most expensive insurance company: AAA — $1,980

 

 

4. Nissan Frontier

nissan frontier

  • Average annual premium: $1,302
  • Type: Pickup Truck
  • Cheapest insurance company: Nodak — $567
  • Most expensive insurance company: QBE — $2,287

 

 

5. Subaru Outback

subaru outback

  • Average annual premium: $1,312
  • Type: Compact SUV
  • Cheapest insurance company: NC Farm Bureau — $534
  • Most expensive insurance company: AAA — $1,929

 

 

6. Jeep Patriot

jeep patriot

  • Average annual premium: $1,323
  • Type: SUV
  • Cheapest insurance company: Bear River — $621
  • Most expensive insurance company: AAA — $2,115

 

 

7. Dodge Journey

dodge grand caravan

  • Average annual premium: $1,282
  • Type: SUV
  • Cheapest insurance company: Bear River — $573
  • Most expensive insurance company: AAA — $2,112

 

 

8. Ford Escape

ford escape

  • Average annual premium: $1,326
  • Type: SUV
  • Cheapest insurance company: Bear River — $626
  • Most expensive insurance company: QBC — $2,903

 

 

9. Kia Soul

kia soul

  • Average annual premium: $1,334
  • Type: Compact SUV
  • Cheapest insurance company: Bear River — $591
  • Most expensive insurance company: AAA — $2,220

 

 

10. Hyundai Tucson

hyundai tucson

  • Average annual premium: $1,334
  • Type: SUV
  • Cheapest insurance company: Bear River — $80
  • Most expensive insurance company: AAA — $1,953

 

How does the age of a car affect insurance rates?

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.

INSURANCE RATES — NEW vs. USED MODELS
RankLeast Expensive Premium  1Y Rate  5Y Rate 
1Subaru Outback $  1,288.56 $  1,333.78 $  1,207.88
2GMC Canyon $  1,302.27 $  1,330.54 $  1,204.94
3Nissan Frontier $  1,387.55 $  1,330.19 $  1,204.63
4Fiat 500X $  1,437.85 $  1,330.09 $  1,204.54
5Jeep Compass $  1,457.71 $  1,324.53 $  1,199.50
6GMC Sierra $  1,464.06 $  1,318.79 $  1,194.30
7Ford Escape $  1,470.21 $  1,300.83 $  1,178.03
8Ford Transit Connect $  1,470.31 $  1,255.32 $  1,136.82
9Chevrolet Traverse $  1,470.70 $  1,178.17 $  1,066.95
10Kia Sportage $  1,474.28 $  1,165.76 $  1,055.72