What's the Cheapest Car to Insure in 2018?

The Zebra
Sept. 26, 2018

Car insurance pricing is a complex process: myriad factors go into your car insurance rates. One of the easiest to control — and most impactful — factors that contribute to auto insurance premiums is the vehicle make and model. 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.

Which cars are the cheapest to insure? And is it possible to get a new, stylish, and dependable car at an affordable insurance price point? 

  1. Cheapest cars to insure
  2. Cheapest used cars to insure
  3. How age impacts your car's premium

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 (detailed methodology below).

 

The least expensive cars to insure in 2018

 

1. Honda CR-V

Honda CR-V

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

 

2. Honda Odyssey

Honda Odyssey

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

 

3. Jeep Cherokee

Jeep Cherokee

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

 

4. Ford Escape

Ford Escape

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

 

5. Dodge Grand Caravan

Dodge Grand Caravan

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

 

6. Chevrolet Equinox

Chevrolet Equinox

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

 

7. Jeep Wrangler

Jeep Wrangler

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

 

8. Kia Sedona

Kia Sedona

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

 

9. Toyota Sienna

Toyota Sienna

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

 

10. Subaru Forester

Subaru Forester

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



Cheapest used cars to insure

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 2019.

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 — $08
  • Most expensive insurance company: AAA — $1,953

 

 

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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
ModelNew1Y rate5Y rate
Honda CR-V$1,232$1,187$1,157
Honda Odyssey$1,260$1,261$1,145
Jeep Cherokee$1,265$1,360$1,262
Ford Escape$1,269$1,232$1,074
Dodge Grand Caravan$1,278$1,211$1,200
Chevrolet Equinox$1,282$1,274$1,172
Jeep Wrangler$1,288$1,255$1,160
Kia Sedona$1,308N/AN/A
Toyota Sienna$1,321$1,283$1,131
Subaru Forester$1,321$1,279$1,174

 

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