What’s the Least Expensive Car to Insure?


safer cars have lower insurance

When shopping for a new car, most people thinking about purchase price, safety, and fuel economy, but what about the cost of insuring a vehicle? While rates will vary by individual, The Zebra’s auto insurance industry research found that specific vehicles were significantly less expensive to insure across all states (and others not so much). In fact, the difference between the least and most expensive average annual premiums is $941. No chump change.

Curious which 2016 models made the list? Check out our top 10 least expensive vehicles to insure, along with their average annual premiums:

10 Cheapest Cars to Insure

1. Honda CR-V — $1,232

2016 Honda CR-V - least expensive car to insure

The Honda CR-V has the lowest average annual premium ($1,232) and is the cheapest vehicle to insure in 42 states. Joe Tralongo, Contributing Editor at KBB writes, “Whether you’re just starting a family or finishing up with one, the 2016 Honda CR-V makes a great choice. Available all-wheel drive (AWD) is perfect for traveling in snow, and you’ll find little to complain about in the areas of fuel economy, reliability and resale figures.”

MSRP: From $23,845

MPG: City 25 / Hwy 32

IIHS Safety Rating: 5 stars. 2016 Top Safety Pick+

Edmunds.com Rating: A

KBB Expert Rating: 9.7/10

Car and Driver: 4.25/5

JD Power Ratings:
Overall Quality: 2/5
Overall Performance and Design: 2/5
Predicted Reliability: 2/5

2. Honda Odyssey — $1,260

Honda Odyssey - least expensive car to insure

MSRP: From $29,550

MPG: City 19 / Hwy 28

IIHS Safety Rating: 5 stars. 2016 Top Safety Pick

Edmunds.com Rating: A

KBB Expert Rating: 9.3/10

Car and Driver: 5 stars (Editor’s Choice)

JD Power Ratings:
Overall Quality: 2/5
Overall Performance and Design: 2/5
Predicted Reliability: 2/5

3. Jeep Cherokee — $1,265

2016 Jeep Cherokee

MSRP: From $24,590

MPG: City 22 / Hwy 31

IIHS Safety Rating: 4/5 stars

Edmunds.com Consumer Rating: 4/5

KBB Expert Rating: 7.3/10

Car and Driver: 4/5 (Editor’s Choice)

JD Power Ratings:
Overall Quality: 2/5
Overall Performance and Design: 2/5
Predicted Reliability: 2/5

4. Ford Escape — $1,269

2016 Ford Escape

MSRP: From $23,590

MPG: City 23 / Hwy 32

IIHS Safety Rating: 4/5

Edmunds.com Consumer Rating: 4.3/5

KBB Expert Rating: 7.9

Car and Driver: 4.25/5

JD Power Ratings:
Overall Quality: 4/5
Overall Performance and Design: 5/5
Predicted Reliability: 2/5

5. Dodge Grand Caravan — $1,278

2016 Dodge Caravan

MSRP: From $23,595

MPG: City 17/ Hwy 25

IIHS Safety Rating: 4/5

Edmunds.com Consumer Rating: 4/5

KBB Expert Rating: 7.6

Car and Driver: 3/5

JD Power Ratings:
Overall Quality: 4/5
Overall Performance and Design: 2/5
Predicted Reliability: 2/5

6. Chevrolet Equinox — $1,282

2016 Chevrolet Equinox

MSRP: From $22,600

MPG: City 22 / Hwy 32

IIHS Safety Rating: 5 (2016 Top Safety Pick)

Edmunds.com Consumer Rating: 4/5

KBB Expert Rating: 7.1

Car and Driver: 3.5/5

JD Power Ratings:
Overall Quality: 5/5
Overall Performance and Design: 3/5
Predicted Reliability: 5/5

7. Jeep Wrangler — $1,288

2016 Jeep Wrangler

MSRP: From $23,895

MPG: City 17 / Hwy 21

IIHS Safety Rating: 2

Edmunds.com Consumer Rating: 4.69/5

KBB Expert Rating: 6.4

Car and Driver: 4/5 (Editor’s Choice)

JD Power Ratings:
Overall Quality: 2/5
Overall Performance and Design: 2/5
Predicted Reliability: 2/5

8. Kia Sedona — $1,308

2016 Kia Sedona

MSRP: From $26,400

MPG: City 18 / Hwy 25

IIHS Safety Rating: 5 (2016 Top Safety Pick)

Edmunds.com Consumer Rating: 4.5/5

KBB Expert Rating: 8.9

Car and Driver: 4.25 (Editor’s Choice)

JD Power Ratings:
Overall Quality: 2/5
Overall Performance and Design: 5/5
Predicted Reliability: 2/5

9. Toyota Sienna — $1,321

2016 Toyota Sienna

MSRP: From $28,850

MPG: City 18 / Hwy 25

IIHS Safety Rating: 5

Edmunds.com Consumer Rating: 4.9/5

KBB Expert Rating: 9.1

Car and Driver: 5 (Editor’s Choice)

JD Power Ratings:
Overall Quality: 2/5
Overall Performance and Design: 5/5
Predicted Reliability: 5/5

10. Subaru Forester – $1,321

2016 Subaru Forester

MSRP: From $22,395

MPG: City 24 / Hwy 32

IIHS Safety Rating: 5 (Top Safety Pick+)

Edmunds.com Consumer Rating: 4.4/5

KBB Expert Rating: 9.1

Car and Driver: 3.5

JD Power Ratings:
Overall Quality: 2/5
Overall Performance and Design: 2/5
Predicted Reliability: 2/5

More State of Auto Insurance Key Findings:

The 5 least expensive trucks to insure:

1. Toyota Tacoma — $1,363
2. Ford F-Series – $1,409
3. Nissan Frontier — $1,423
4. GMC Sierra — $1,435
5. Chevrolet Colorado — $1,438

The 5 least expensive sedans to insure:

1. Chevrolet Cruze — $1,376
2. Honda Accord — $1,418
3. Hyundai Elantra — $1,437
4. Ford Fusion — $1,445
5. Hyundai Sonata — $1,457

The 5 least expensive SUVs to insure:

1. Honda CR-V – $1,232
2. Jeep Cherokee — $1,265
3. Ford Escape — $1,269
4. Chevrolet Equinox — $1,282
5. Jeep Wrangler – $1,288

The 5 least expensive vans to insure:

1. Honda Odyssey — $1,260
2. Dodge Grand Caravan — $1,278
3. Kia Sedona — $1,308
4. Toyota Sienna — $1,231
5. Chrysler Town & Country – $1,355

 

For even more key findings—including the most expensive vehicles to insure—check out our State of Auto Insurance site. The full report is also available to download for free, no personal information required.

 

*Vehicles were selected by top U.S. 2015 year-end auto sales. More details in full report.