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Which Cars are Cheapest to Insure?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing...

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UPDATED: Nov 4, 2019

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When buying a new or used vehicle, smart shoppers take the cost of insurance into consideration when determining their monthly car payment. Car insurance prices vary considerably based on factors like your driving record, your age, and especially the type of vehicle you are adding to your policy.

Pretty much everyone knows that buying a high performance or high value vehicle is going to cause pain when buying insurance. More horsepower and top end speed means a higher likelihood of having or causing an accident. Expensive vehicles not only cost more on the sticker, but also cost more to repair. Fancy paint jobs and expensive technology drives up the cost for auto body repairs, and this results in higher insurance rates.

We took the some of the top-selling vehicles in the U.S. and ranked them by estimated annual insurance cost. Rates can differ based on the trim level of vehicle you are purchasing, so the rates below are averaged across all trim levels for each model.

Cheapest Car Insurance Rates for Popular Vehicles
Rank Make and Model Estimated Annual Premium
1 Honda CR-V $1,102
2 Ford Escape $1,132
3 GMC Acadia $1,252
4 Toyota Prius $1,264
5 Honda Accord $1,270
6 Ford F-150 $1,280
7 Toyota RAV4 $1,282
8 Honda Pilot $1,292
9 Ford Focus $1,318
10 Toyota Corolla $1,358
11 Nissan Rogue $1,370
12 Hyundai Sonata $1,382
13 Toyota Camry $1,388
14 Nissan Altima $1,402
15 Kia Optima $1,410
16 GMC Sierra $1,414
17 Chevy Silverado $1,440
18 Ford Fusion $1,444
19 Dodge Ram Pickup $1,480
20 Honda Civic $1,490

Rates figured for 40-year-old driver with a clean driving record and full coverage with $500 deductibles

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Cheapest Vehicle to Insure: Honda CR-V

Honda CR-V has the cheapest insurance rates of popular U.S. vehicles

The Honda CR-V is a small SUV with starting price tag of $24,150. The CR-V has great IIHS crash test ratings across the board with a superior rating for front crash protection as well.

Insurance losses on CR-V models is average or better for all insurance coverages, with very good Highway Loss Data Institute scores for collision, comprehensive, and bodily injury liability.

Any of the vehicles on the list above are going to be solid choices when it comes to paying less for car insurance. They are all moderately priced with above average safety ratings and below-average cost to repair.

How to Save Money on Insurance When Buying a New Car

The cost of insurance should be a consideration for anyone shopping for a new or used vehicle, and the tips below can help you cut the cost of insurance on your next car.

  • Generally, the higher the cost of the vehicle, the more it will cost to insure
  • Higher performance vehicles are more expensive to insure due to the higher cost to repair and the increased likelihood of having an accident
  • Vehicles with advanced safety features like automatic braking, lane departure warning, and adaptive cruise control will tend to have cheaper insurance rates
  • If safety is a primary concern, check the IIHS vehicle rating for any car you’re considering buying to see if it has acceptable crash test scores
  • Assemble a short list of vehicles you’re interested in and get free car insurance quotes based on each model. Since rates are factored heavily based on your personal driving data, comparison shopping is the only way to know exactly how much you’ll have to pay for coverage prior to purchasing the vehicle.

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