Cheapest Cars to Insure in 2025


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Key Takeaways

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Compact SUVs, minivans and sedans are the cheapest car types to insure.

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Electric car insurance costs are dropping, now rivaling the cost of insuring a sedan. The average annual insurance cost for both electric and gas-powered vehicles is around $1,600.

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Older cars don't always mean cheap insurance. If your annual premium exceeds 10% of your car's value, you might be overpaying for insurance.

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Cars With the Cheapest Insurance

The cheapest cars to insure in 2025 are the Mazda CX-5 and the Subaru Forester, with annual premiums of $364 and $367 through Nationwide.

Nationwide's CX-5 rate is the lowest among compact SUVs. Its Forester rate is also lower than the average compact SUV, thanks to its high safety ratings and recognition as a 2024 IIHS Top Safety Pick 

Meanwhile, the Subaru Impreza can save drivers 63% compared to the national average car insurance cost for sedans at $376 from GEICO, making it another strong value pick. In comparison, the average rate for sedans is $1,019 per year. Use the table below to explore the cheapest cars to insure by make, model, vehicle type and insurer.

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Coverage:State Minimum
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Category:Compact SUV
Mazda CX-5Compact SUVNationwide$364
Subaru ForesterCompact SUVNationwide$367
Toyota RAV4Compact SUVGEICO$410
Honda CR-VCompact SUVState Farm$411
Kia SoulCompact SUVGEICO$411
Hyundai KonaCompact SUVState Farm$412
VW TiguanCompact SUVState Farm$412
Kia NiroCompact SUVState Farm$413
Chevy EquinoxCompact SUVState Farm$429
Ford EscapeCompact SUVState Farm$429
Nissan RogueCompact SUVState Farm$429
VW ID.4Compact SUVState Farm$430
Honda HR-VCompact SUVGEICO$431
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MONEYGEEK EXPERT TIP

Car insurance in 2025 isn’t cheap, and prices are expected to keep rising due to expensive repairs and climate-related risks. To avoid sticker shock, factor in your estimated annual premium when budgeting for your next vehicle, and steer clear of luxury models if you’re aiming to save.

Cheapest SUV to Insure

The Subaru Forester and Mazda CX-5 are the cheapest SUVs to insure. Nationwide covers both at $1,035 and $1,071 per year for full coverage.

Compact SUVs like these cost less to insure than standard or luxury models, saving you about $100 annually compared to midsize SUVs and up to $500 compared to high-end models. Despite their size, SUVs have strong safety records and lower repair costs, which helps keep premiums down.

Data filtered by:Results filtered by:
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Coverage:State Minimum
Mazda CX-5Compact SUVNationwide$364
Subaru ForesterCompact SUVNationwide$367
Honda PassportSUVState Farm$375
Volvo XC40Luxury SUVState Farm$376
Audi Q5Luxury SUVGEICO$379
Honda PilotSUVNationwide$380
Ford ExpeditionSUVNationwide$384
Acura MDXLuxury SUVState Farm$394
Toyota HighlanderSUVState Farm$394
BMW X7Luxury SUVState Farm$398
BMW X3Luxury Compact SUVState Farm$399
BMW X5Luxury SUVNationwide$403
Toyota RAV4Compact SUVGEICO$410
Kia SoulCompact SUVGEICO$411
Honda CR-VCompact SUVState Farm$411
Audi Q7Luxury SUVState Farm$411
Hyundai KonaCompact SUVState Farm$412
VW TiguanCompact SUVState Farm$412
Ford ExplorerSUVState Farm$412
Audi E TronLuxury SUVState Farm$413
Mercedes GLA 250Luxury Compact SUVState Farm$413
Nissan PathfinderSUVState Farm$413
Kia NiroCompact SUVState Farm$413
Chevy TahoeSUVState Farm$413
Nissan RogueCompact SUVState Farm$429
Chevy EquinoxCompact SUVState Farm$429
Ford EscapeCompact SUVState Farm$429
Jeep Grand CherokeeSUVState Farm$430
VW ID.4Compact SUVState Farm$430
Honda HR-VCompact SUVGEICO$431
Jeep WranglerSUVState Farm$466
Jeep CherokeeSUVGEICO$480

Cheapest Sedan to Insure

The Subaru Impreza is the most affordable sedan to insure with GEICO at $376 per year for minimum coverage. The Subaru Outback follows with a State Farm minimum coverage policy costing an average of $394 per year. 

For full coverage policies, the Subaru Outback and Subaru Legacy are the most affordable sedans to insure with Nationwide at $1,049 and $1,157 per year.  

On average, SUVs are cheaper to insure than sedans. That's partly because larger vehicles are generally safer. The Highway Loss Data Institute found that SUVs have lower bodily injury claim rates than smaller cars. If insurance savings matter, size could work in your favor.

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Coverage:State Minimum
MINI CooperCompactGEICO$374
Subaru ImprezaSedanGEICO$376
Audi A3CompactGEICO$381
Subaru OutbackSedanState Farm$394
BMW 7 SeriesLuxury SedanNationwide$398
Toyota PriusCompactGEICO$400
MINI ElectricCompactNationwide$402
BMW 3 SeriesLuxury SedanGEICO$405
Audi A4Luxury SedanGEICO$405
Honda CivicCompactGEICO$411
Toyota CorollaCompactGEICO$411
Toyota CamrySedanState Farm$412
Mercedes C-ClassLuxury SedanGEICO$413
Tesla Model 3Luxury SedanState Farm$413
Subaru LegacySedanState Farm$413
Mercedes C-ClassLuxury SedanState Farm$413
BMW 4 SeriesLuxury SedanState Farm$414
Honda InsightSedanGEICO$419
VW GolfCompactGEICO$424
BMW 5 SeriesLuxury SedanGEICO$428
Honda AccordSedanGEICO$429
Hyundai IoniqCompactState Farm$430
VW PassatSedanState Farm$431
Kia StingerSedanState Farm$432
Nissan VersaCompactGEICO$443
Nissan SentraSedanState Farm$448
Nissan MaximaSedanState Farm$448
Chevy MalibuSedanState Farm$448
Nissan AltimaSedanState Farm$448
Mazda3CompactState Farm$448
VW JettaCompactState Farm$448
Hyundai ElantraCompactGEICO$462
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Cheapest Pickup Truck to Insure

The most affordable pickup truck to insure is the Honda Ridgeline with Nationwide at $382 per year for minimum coverage. Meanwhile, the most affordable pickup truck to insure with full coverage is the Nissan Frontier with State Farm at $1,121 per year.  

Truck insurance costs vary more by model than by size. For instance, the Toyota Tacoma is cheaper to insure than the Subaru Legacy sedan, though they fall under different categories. While pickups cost more upfront, models like the Frontier and Tacoma can help you save on premiums. Just be sure to factor insurance into your total cost of ownership.

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Coverage:State Minimum
Honda RidgelinePickup TruckNationwide$382
Nissan FrontierPickup TruckState Farm$397
Toyota TacomaPickup TruckGEICO$408
Toyota TundraPickup TruckState Farm$413
Ford F-150Pickup TruckGEICO$414
Ram RebelPickup TruckState Farm$431
Jeep GladiatorPickup TruckState Farm$448
Chevy SilveradoPickup TruckGEICO$452
Ram 2500Pickup TruckState Farm$469

Cheapest Sports Cars to Insure

The most affordable sports cars to insure are the Audi R8 with GEICO at $365 per year for minimum coverage and the Chevrolet Corvette with Nationwide at $1,221 per year for full coverage.

Their speed-focused design increases accident risk, and costly parts make repairs more expensive, both of which drive up liability and collision coverage rates. To get the cheapest sports car insurance, compare quotes from at least three providers using similar coverage levels. Insurers evaluate risk differently, so your cheapest option may not be the same as someone else's.

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Coverage:State Minimum
Audi R8Luxury Sports CarGEICO$365
Chevrolet CorvetteSports CarGEICO$373
Subaru BRZSports CarGEICO$375
Chevrolet Camaro ZL1Sports CarGEICO$403
Chevrolet Camaro SSSports CarGEICO$404
Ford Mustang Mach ESports CarState Farm$413
Ford MustangSports CarGEICO$419
Chevrolet CamaroSports CarGEICO$419
Subaru WRXSports CarGEICO$425
Porsche TaycanLuxury Sports CarState Farm$432
Ford Mustang EcoboostSports CarGEICO$439
Dodge Challenger SRT HellcatSports CarGEICO$455
Dodge Challenger R/TSports CarGEICO$461
Dodge ChallengerSports CarGEICO$474
Dodge ChargerSports CarGEICO$480
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COMPARE THE COSTS OF SPORTS CAR INSURANCE

MoneyGeek analyzed insurance rates for the following sports cars:

Cheapest Electric Car to Insure

The most affordable electric cars to insure are the Chevy Bolt and the Nissan LEAF at $431 per year with State Farm. 

The cost to insure an electric car is now nearly on par with gas-powered vehicles; both average about $1,600 annually. While EV insurance may still be slightly higher in some cases, fuel savings, lower maintenance and government incentives can make up the difference.

Data filtered by:Results filtered by:
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Coverage:State Minimum
Tesla Model XLuxury ElectricState Farm$415
Chevy BoltElectricState Farm$431
Nissan LEAFElectricState Farm$431
Tesla Model YLuxury ElectricState Farm$431
Tesla Model SLuxury ElectricState Farm$432
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COMPARE THE COSTS OF ELECTRIC CAR INSURANCE

MoneyGeek analyzed insurance rates for the following EVs:

Cheapest Used Cars to Insure

Insurance for used cars can be hundreds of dollars cheaper than for new models. The cheapest used cars to insure are the MINI Cooper at $360 per year and the Hyundai Elantra at $395 through State Farm.

Data filtered by:Results filtered by:
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Used Car Year Model:10-Year-Old Car
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Coverage:State Minimum
MINI CooperCompactState Farm$360
Acura MDXLuxury SUVState Farm$395
Hyundai ElantraCompactState Farm$395
Subaru LegacySedanState Farm$395
Ford TaurusSedanState Farm$398
Subaru ImprezaSedanState Farm$398
Subaru OutbackSedanState Farm$398
Subaru WRXSports CarState Farm$398
Toyota HighlanderSUVState Farm$398
Ford ExpeditionSUVState Farm$412
Audi Q5Luxury SUVState Farm$415
Ford EscapeCompact SUVState Farm$415
Honda CR-VCompact SUVState Farm$415
Honda FitCompactState Farm$415
Honda PilotSUVState Farm$415
Audi A3CompactState Farm$416
BMW 1 SeriesLuxury CompactState Farm$416
BMW X3Luxury Compact SUVState Farm$416
Honda InsightSedanState Farm$416
Nissan LEAFElectricState Farm$416
Subaru ForesterCompact SUVState Farm$416
Toyota PriusCompactState Farm$416
Audi R8Luxury Sports CarState Farm$417
BMW 3 SeriesLuxury SedanState Farm$432
BMW 5 SeriesLuxury SedanState Farm$432
Chevy EquinoxCompact SUVState Farm$432
Ford ExplorerSUVState Farm$432
Honda OdysseyMinivanState Farm$432
Honda RidgelinePickup TruckState Farm$432
Mercedes AMG C 63Luxury SedanState Farm$432
Tesla Model SLuxury ElectricState Farm$432
Toyota SiennaMinivanState Farm$432
Audi A4Luxury SedanState Farm$433
Chevy MalibuSedanState Farm$433
Chevy SilveradoPickup TruckState Farm$433
Dodge Grand CaravanMinivanState Farm$433
Dodge JourneySUVState Farm$433
Ford MustangSports CarState Farm$433
Jeep Grand CherokeeSUVState Farm$433
Kia SoulCompact SUVState Farm$433
Mazda3CompactState Farm$433
Nissan GT-RLuxury Sports CarState Farm$433
Nissan MaximaSedanState Farm$433
Nissan PathfinderSUVState Farm$433
Nissan RogueCompact SUVState Farm$433
Nissan VersaCompactState Farm$433
Toyota CamrySedanState Farm$433
Toyota RAV4Compact SUVState Farm$433
Toyota TundraPickup TruckState Farm$433
VW GolfCompactState Farm$433
VW PassatSedanState Farm$433
VW TiguanCompact SUVState Farm$433
Ford FocusCompactState Farm$435
Honda CivicCompactState Farm$435
Mercedes C-ClassLuxury SedanState Farm$435
Toyota CorollaCompactState Farm$435
Toyota TacomaPickup TruckState Farm$435
Chevrolet Camaro SSSports CarGEICO$436
Nissan 370ZSports CarState Farm$436
Chevrolet CruzeCompactState Farm$450
Ford F-150Pickup TruckState Farm$450
Jeep WranglerSUVState Farm$450
Nissan JukeCompact SUVState Farm$450
Audi Q7Luxury SUVState Farm$451
BMW 7 SeriesLuxury SedanGEICO$451
Chevrolet CamaroSports CarState Farm$451
Dodge ChargerSports CarState Farm$451
Honda AccordSedanState Farm$451
Nissan FrontierPickup TruckState Farm$451
Chevy TahoeSUVState Farm$453
Nissan SentraSedanState Farm$453
Nissan AltimaSedanState Farm$469
Dodge Challenger R/TSports CarState Farm$471
Jeep PatriotCompact SUVState Farm$471
BMW X5Luxury SUVState Farm$486
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AM I PAYING TOO MUCH FOR CAR INSURANCE?

The 10% rule suggests you might be overpaying for car insurance if premiums exceed 10% of your car's actual cash value. If your car is older and less expensive to fix out-of-pocket, consider switching to minimum coverage. You can always increase your limits for additional financial protection.

Cheap Insurance Cars: Rates by Car Type

Compact SUVs and minivans are the cheapest to insure, with average annual premiums ranging from $1,400 to $1,600. Sedans and midsize SUVs sit in the midrange. Luxury vehicles can cost over $3,000 per year to insure.

Sports cars and luxury EVs tend to be the most expensive overall, but EV insurance rates are beginning to drop as they become more common. Use the table below to compare average insurance costs by car type.

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Coverage:State Minimum
Compact$542$45
Compact SUV$526$44
Electric$556$46
Luxury Compact$528$44
Luxury Compact SUV$532$44
Luxury Electric$610$51
Luxury Sedan$525$44
Luxury Sports Car$713$59
Luxury SUV$564$47
Minivan$510$42
Pickup Truck$560$47
Sedan$546$45
Sports Car$545$45
SUV$551$46
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Cheap Cars to Insure: Buying Guide

Choosing a car that's affordable to insure starts before you step onto the dealer lot. The right vehicle can save you hundreds or even thousands of dollars annually on insurance premiums, making it one of the smartest financial decisions you can make when car shopping. By targeting vehicles with strong safety records, reasonable repair costs and low theft rates, you can find the cheapest cars to insure without sacrificing quality or features.

Lowest-Insurance Cars: Ways to Find Cheap Insurance

Getting the cheapest car insurance isn’t just about choosing the right car. It’s also about making smart decisions when buying and managing your policy. Here are actionable ways to lower your premiums.

  1. 1

    Shop around

    The key to finding the best deal is to compare quotes from multiple insurance companies because rates can vary.

  2. 2

    Consider usage-based insurance

    If you're a low-mileage driver, telematics insurance or usage-based programs that track your driving habits can potentially offer significant savings.

  3. 3

    Ask about discounts

    Insurers offer a wide range of car insurance discounts for various reasons. Inquire about potential savings related to your driving habits, car features, affiliations and even your payment methods.

  4. 4

    Raise your deductible

    Opting for a higher deductible on comprehensive and collision coverage can lower your premiums, but make sure you can afford it in the event of an accident.

  5. 5

    Review coverage annually

    Your needs change over time. Reassessing your coverage each year can prevent you from overpaying for unnecessary protection. If you have an older car with low value, consider dropping collision or comprehensive coverage to save on costs.

  6. 6

    Maintain good credit

    In most states, your credit score impacts your insurance rates. Improving your credit can lead to lower premiums.

  7. 7

    Take a defensive driving course

    Completing an approved defensive driving course can demonstrate responsible driving habits and potentially qualify you for discounts.

Common Car Insurance Discounts

Finding the cheapest cars to insure involves more than just choosing the right vehicle. Smart discount strategies can reduce your premiums substantially, making even moderately priced cars among the cheapest cars to insure for your specific situation.

Discount
Description

Safe Driver Discount

Maintained by avoiding accidents, traffic violations and claims for 3-5 years. Most insurers reward clean driving records with premium reductions.

Good Student Discount

Available for young drivers maintaining a B average or better. Students can save by providing report cards or transcripts annually.

Defensive Driving Discount

Completing an approved defensive driving course can earn savings. Some states require insurers to offer this discount, and courses are available online.

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DISCOUNT STACKING STRATEGIES

Most insurers allow you to combine multiple discounts, potentially reducing your premium substantially. Examples of effective combinations include:

  • Safe driver + multi-car + bundling discounts
  • Good student + defensive driving + safety features
  • Military + bundling + paid-in-full discounts

Why Car Insurance Costs Vary by Vehicle

Insurance companies use certain algorithms to assess risk, and your vehicle is one of the biggest factors in determining your premium. Each car has a different risk profile based on historical data about accidents, theft rates and repair costs. This means two identical drivers can pay vastly different premiums simply because they drive different vehicles.

Best Car for Insurance Rates: Car Choice and Premiums

Insurers consider a variety of factors related to your specific vehicle. Understanding these factors helps you make informed choices when buying a car and save money on insurance. The car-related aspects that affect your rates are:

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    Make and model

    Certain brands and models have reputations for safety, repair costs, likelihood of theft and overall risk, all of which directly impact premiums. Most insurance companies maintain detailed loss histories for every make and model, tracking claims frequency and severity. Vehicles with consistent safety records and lower claim rates earn preferential pricing.

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    Year model and condition

    Older cars with higher mileage have lower insurance costs due to decreased value. Well-maintained vehicles may also qualify for discounts. However, very old cars might lack modern safety features, which can affect premium calculations.

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    Safety features

    Advanced systems like automatic emergency braking, lane departure warning and blind-spot monitoring can lead to insurance savings. Vehicles earning top safety pick awards or five-star ratings receive premium discounts because they reduce injury severity and claim costs.

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    Repair costs

    Vehicles with expensive or hard-to-find parts cost more to insure because insurers expect higher payouts for potential repairs. Many insurers track average repair costs for each model, considering factors. Vehicles with readily available, affordable parts and straightforward repair processes earn lower premiums.

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    Theft rate

    Cars frequently targeted by thieves will have higher premiums due to the increased likelihood of a claim. The most stolen vehicles of 2024 include the Hyundai Elantra, Hyundai Sonata and Chevrolet Silverado 1500, which means those cars may have higher insurance rates to compensate for the increased possibility of theft.

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    Performance capabilities

    Sports cars and other high-performance vehicles are typically more expensive to insure due to their increased speed potential and accident risk. Insurance companies examine driver behavior patterns associated with different vehicle types.

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    Size and type

    While not always the case, smaller cars like sedans often have more affordable insurance than larger vehicles like SUVs or trucks. Insurance companies consider how vehicle weight, height and design influence crash outcomes when setting premiums.

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    Trim level

    Higher trim levels with luxury features and add-ons increase a car's value, leading to higher insurance costs. Insurance companies adjust premiums based on the vehicle's replacement cost and the expense of repairing luxury features.

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    Engine size

    Cars with larger, more powerful engines are often more expensive to insure due to their higher performance capabilities. Vehicles with moderate engine sizes and power output receive more favorable rates.

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    Vehicle history

    A car with a history of accidents or major repairs may have higher insurance rates, reflecting an increased risk profile. This information helps insurers assess whether a specific vehicle may be more prone to future claims.

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MONEYGEEK EXPERT TIP

While many insurance factors are out of your hands, the car you choose is one of the few you can control. Opting for a vehicle with strong safety ratings, moderate performance and low repair costs can go a long way toward lowering your premiums and keeping long-term insurance expenses manageable.

What Factors Impact Cost Other Than the Car Model?

Your car isn't the only factor influencing insurance rates. Location, gender, credit history and other elements all play a role. While you can't control them all, you can work to improve some over time, potentially reducing your insurance costs. Below are more factors beyond what car you drive that influence your car insurance rates.

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    Age

    Car insurance rates are most expensive for young drivers below 25. Their inexperience and higher tendency for risky behavior make insurance companies more likely to pay out claims. After turning 25, rates should steadily decline but may increase again around age 65. 

    The cheapest car insurance for teens is one where they’re added to an existing policy, paying only half as much as they would on their own.

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    Gender (for drivers below 25)

    Some states let insurance companies charge different prices based on your gender. This is especially true for younger drivers. However, states like California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania have banned this practice.

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    Driving record

    Your driving record is the main factor affecting your insurance rates. Brand-new drivers who lack a record face the highest rates. Those with multiple at-fault accidents, tickets, DUIs or other violations also tend to see high rates. Keeping a clean driving record can lower your insurance costs.

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    Location

    Insurance prices vary depending on your location, even within your state. This is due to differences in accidents, thefts and insurance claims. States with higher minimum coverage requirements may have higher premiums. However, California, Hawaii, Massachusetts and Michigan prevent insurance companies from using your ZIP code to set rates, promoting fairer pricing.

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    Coverage level

    More coverage means higher costs. When you get full coverage (including liability, comprehensive and collision), insurance companies consider your age, driving record and location to set your price. This differs from liability-only coverage, which mainly depends on your chosen coverage limits. But if you have a car loan or lease, you'll likely need full coverage as required by the lender.

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    Deductible

    With full coverage, you'll have deductibles for both collision and comprehensive insurance. You can set these deductibles at the same amount or choose different ones (for example, $500 for collision and $250 for comprehensive).

    A car insurance deductible is what you pay out of pocket when you file a claim for car damage. Choosing higher deductibles can lower your insurance premiums since the company expects to pay less. Liability coverage doesn't have a deductible.

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    Credit score

    Your credit score can directly impact your insurance premium in many states. The perception is that people with lower credit scores are more likely to file a claim, while people with higher credit scores are less likely to need to do so and more likely to pay the costs out of pocket to avoid an increase in their premiums when they do have an accident

    You can get affordable coverage, even with bad credit, but it is important to get multiple quotes.

Every car insurance company has a unique way of calculating rates. You'll get different quotes for the same coverage, even with the same car and driving history. Always compare rates from multiple companies to find the best deal for you.

What Are the Cheapest Cars to Insure: Bottom Line

Vehicle selection impacts insurance costs, with the Mazda CX-5 ($364/year) and Subaru Forester ($367/year) having the most affordable premiums due to their excellent safety ratings and reasonable repair costs. Compact SUVs and minivans have the lowest rates ($1,400 to $1,600 annually). 

Your personal factors, such as driving record, credit score and location, influence premiums more than vehicle type. To maximize savings, compare quotes from multiple insurers and consider bundling policies. For older cars, evaluate whether comprehensive coverage remains cost-effective based on the vehicle's current value.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Cars With Cheapest Insurance: FAQ

Choosing the right car can impact your car insurance costs. MoneyGeek answered common questions about finding the cheapest car to insure:

Which cars have the best insurance rates?

What car brand has the cheapest insurance?

What type of car insurance coverage is the cheapest?

What car type is the cheapest to insure?

What SUV is the cheapest to insure?

Are older cars cheaper to insure?

How do I find cheap insurance cars?

Cars With Lowest Insurance Rates: Our Review Methodology

Finding the cheapest car to insure means understanding how insurance companies price different vehicles, and most car buyers don't realize how much their choice affects their monthly premiums. We designed this analysis to help you identify models that won't break your budget on insurance costs.

Our Data Collection Process

We gathered quotes from Quadrant Information Services to provide real-world premium estimates across multiple insurers and vehicle types. Our analysis covered 83,056 quotes from 46 insurance providers across 473 ZIP codes nationwide, giving us comprehensive rate data for different car models. 

Sample Driver Profile

Insurance companies evaluate risk differently for each driver, so we used a consistent profile to compare vehicles fairly:

  • 40-year-old male
  • Clean driving record
  • 12,000 miles driven annually

This profile represents average risk factors that won't skew results toward high-risk or exceptionally low-risk scenarios. We adjusted calculations based on factors like age, driving history, location and annual mileage that affect how insurers price different vehicles.

Coverage Levels We Analyzed

Your coverage choice impacts costs, so we focused on two key scenarios:

Full Coverage Analysis: We calculated rates using comprehensive and collision coverage with $1,000 deductibles plus 100/300/100 liability limits. This represents the solid financial protection most drivers need:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability per accident

Why These Coverage Levels

 Full coverage with $1,000 deductibles balances affordable monthly premiums with reasonable out-of-pocket costs if you file a claim. The 100/300/100 liability limits provide substantial financial protection beyond most states' minimum requirements. 

State minimum coverage varies by location but includes only basic liability coverage, the least expensive option that offers minimal financial protection.

This methodology helps you compare true insurance costs across vehicle types so you can choose a car that fits both your transportation needs and insurance budget.

Cars With the Best Insurance Rates: Related Topics

About Mark Fitzpatrick


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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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