The Cheapest Cars to Insure in 2026

When it comes to saving money, car insurance is one of those recurring expenses that can quietly drain your wallet over time. The good news? Not all cars are created equal when it comes to insurance costs. Whether you’re a budget-conscious driver, a parent shopping for your teen, or someone looking to cut down on monthly expenses, choosing a car with lower insurance premiums can make a big difference.  

In 2026, automakers continue to innovate with safer designs, advanced driver-assistance systems, and theft-deterrent technologies—all factors that can reduce insurance rates. But what makes certain cars cheaper to insure than others? It often comes down to a combination of reliability, safety features, repair costs, and how often the vehicle gets into accidents statistically.  

From compact cars to SUVs, this guide will explore the best options for keeping your insurance premiums low without compromising on style, performance, or safety. If you're looking for insurance cheap cars that provide both value and affordability, this list has you covered. Ready to find out which cars will help you save big in 2026? Let’s dive in.

Cheapest SUVs to Insure

If you’re in the market for an SUV but worried about insurance costs, you’re in luck. The SUVs on this list aren’t just versatile and reliable; they also come with insurance rates that won’t break the bank. Thanks to advanced safety features, reasonable repair costs, and high reliability scores, these SUVs are among the cheapest cars to insure in 2026, making them a great option for savvy drivers. Let’s take a closer look at some of the top picks for 2026.

Subaru Outback

The Subaru Outback has long been a go-to choice for drivers who crave a mix of practicality, reliability, and off-road capability. In 2026, the Outback continues to shine with its rugged design and a wealth of features that cater to adventurers and families alike.

One of the Outback’s standout features is its standard all-wheel-drive system, which ensure confident handling in all weather conditions. Whether you’re navigating snowy roads or venturing onto dirt trails, the Outback is ready for the challenge. Inside, the spacious cabin offers room for five passengers and plenty of cargo space, making it ideal for road trips or everyday errands.

Tech-savvy drivers will appreciate the Outback’s advanced safety features, including Subaru’s EyeSight Driver Assist Technology. This system comes standard and includes adaptive cruise control, lane-keeping assist, and automatic emergency braking. The inclusion of these features not only keeps you safer but also contributes to lower insurance rates.

Insurance Price

Insurance for the Subaru Outback starts at $1,200 per year, depending on your location, driving history, and coverage options. This starting price reflects its strong safety ratings and lower-than-average repair costs, making it one of the cheapest SUVs to insure in 2025.

Mazda CX-5

The Mazda CX-5 stands out in the crowded compact SUV market with its striking design, engaging driving dynamics, and premium feel at an affordable price. For 2025, the CX-5 continues to impress with its blend of practicality and refinement.

The CX-5’s sleek exterior, with its bold grille and flowing lines, sets it apart from other SUVs in its class. Inside, you’ll find an upscale cabin featuring high-quality materials, a user-friendly infotainment system with a 10.25-inch display, and ample room for five passengers. The CX-5 balances sophistication and functionality, making it an excellent choice for daily commutes or weekend getaways.

Safety is where the CX-5 truly excels. With an IIHS Top Safety Pick+ rating, it comes standard with advanced features like blind-spot monitoring, rear cross-traffic alert, lane-keeping assist, and adaptive cruise control. These systems not only provide added security but also help keep insurance costs manageable.

Price (Insurance)

Insurance for the Mazda CX-5 starts at $1,100 per year, making it one of the most affordable SUVs to insure. This starting price reflects the CX-5’s excellent safety ratings, lower theft rates, and reputation for reliability.

Subaru Crosstrek

The Subaru Crosstrek is a versatile compact SUV designed for drivers who want a mix of city-friendly dimensions and off-road capability. For 2025, it retains its reputation as a reliable, budget-friendly option that doesn’t skimp on features.

The Crosstrek’s rugged styling and higher ground clearance make it stand out among compact SUVs. It’s perfect for navigating both urban streets and backcountry trails. Inside, the cabin offers comfortable seating, intuitive controls, and enough space to accommodate weekend gear or everyday essentials.

Standard all-wheel drive is a hallmark of the Crosstrek, providing confidence in all weather conditions. The model also comes with Subaru’s EyeSight Driver Assist Technology, which includes pre-collision braking, adaptive cruise control, and lane departure prevention. These features not only enhance safety but also help lower insurance premiums.

With an available hybrid model, the Crosstrek appeals to eco-conscious drivers looking to save on fuel without compromising versatility. Whether you’re running errands or heading out on an adventure, the Crosstrek is ready to go wherever you need.

Price (Insurance)

Insurance for the Subaru Crosstrek starts at $1,050 per year, depending on your specific circumstances. This starting price highlights its strong safety profile and Subaru’s reputation for dependability.

Chevrolet Equinox

The Chevrolet Equinox continues to be a family favorite, offering a great mix of value, space, and reliability. In 2025, it remains a strong contender for drivers who want an affordable yet feature-rich compact SUV.

The Equinox features a sleek, modern design with a spacious and comfortable interior. It’s perfect for families or anyone who values practicality. With plenty of cargo space and versatile seating, it’s ready to handle everything from grocery runs to road trips.

Equipped with a variety of standard safety features, such as forward-collision warning, automatic emergency braking, and lane-keeping assist, the Equinox ensures peace of mind for drivers and passengers. Its strong safety ratings contribute to its lower insurance costs, making it an appealing choice for budget-conscious shoppers.

Price (Insurance)

Insurance for the Chevrolet Equinox starts at $1,150 per year, reflecting its excellent safety features, affordable repair costs, and family-friendly appeal. This starting price makes it a standout option for those looking to save on both the vehicle and insurance.

Cheapest Pickup Trucks to Insure

Pickup trucks are beloved for their versatility, durability, and practicality, but they can often come with hefty insurance premiums. Thankfully, not all trucks are created equal in this regard. If you’re looking for a pickup that’s both capable and affordable to insure, this list has you covered. These models are some of the cheapest cars to insure in 2025, offering great value without the high insurance costs. Let’s dive into some of the best options for 2025.

Ford F-150

The Ford F-150 is America’s best-selling truck for a reason—it’s a workhorse that can handle tough jobs while offering modern comforts and technology. The 2025 model continues the tradition with a wide range of configurations to suit different needs, from towing to daily driving.

Standard safety features like automatic emergency braking, lane-keeping assist, and adaptive cruise control make the F-150 not only safer but also more affordable to insure. With a variety of efficient powertrains, including a hybrid option, the F-150 strikes a perfect balance between capability and cost-efficiency.

Price (Insurance)

Insurance for the Ford F-150 starts at $1,300 per year, depending on your location and coverage. This starting pricereflects its widespread availability, affordable repair costs, and strong safety features.

Toyota Tacoma SR

Known for its legendary reliability, the Toyota Tacoma SR is a top choice for drivers seeking a durable yet affordable pickup. The 2025 Tacoma SR offers a rugged design, excellent off-road capability, and modern tech features, making it as practical as it is versatile.

The Tacoma SR comes with Toyota’s Safety Sense suite, which includes lane departure alert, automatic high beams, and adaptive cruise control. These safety features not only provide peace of mind but also help reduce insurance costs.

Price (Insurance)

Insurance for the Toyota Tacoma SR starts at $1,200 per year. This starting price makes it an excellent option for those who want a reliable truck with low ongoing costs.

Ford Ranger XLT

The Ford Ranger XLT combines practicality and modern amenities in a compact truck package. It’s designed for drivers who want a capable pickup without the bulk of a full-size model.

The 2025 Ranger XLT offers advanced safety tech, including forward-collision warning, automatic emergency braking, and blind-spot monitoring. Its impressive fuel efficiency and lower repair costs further contribute to its affordability.

Price (Insurance)

Insurance for the Ford Ranger XLT starts at $1,250 per year, making it one of the cheapest mid-size pickups to insure. Its starting price reflects its strong safety ratings and reasonable repair expenses.

GMC Canyon Elevation

The GMC Canyon Elevation is a stylish and capable mid-size truck designed to handle work and play. With a bold exterior and refined interior, the 2025 Canyon Elevation offers a premium experience without a premium price.

Standard features include advanced driver assistance systems like forward collision alert and lane departure warning. These features not only enhance safety but also lower insurance costs. The Canyon Elevation’s reputation for reliability and versatility adds to its appeal.

Price (Insurance)

Insurance for the GMC Canyon Elevation starts at $1,300 per year. This starting price reflects its strong safety profile and moderate repair costs.

Chevrolet Colorado

The Chevrolet Colorado is a mid-size truck that offers a perfect blend of functionality, comfort, and affordability. The 2025 model features updated styling, a comfortable cabin, and a range of configurations to suit every driver’s needs.

Equipped with essential safety features like lane-keeping assist and automatic emergency braking, the Colorado is designed to keep you safe on the road while keeping insurance premiums low. Its robust build and dependability make it a smart choice for truck enthusiasts.

Price (Insurance)

Insurance for the Chevrolet Colorado starts at $1,250 per year, making it a competitive option for budget-conscious drivers. This starting price highlights its affordability and well-rounded design.

Cheapest Sedans to Insure

Sedans are a popular choice for their fuel efficiency, reliability, and practicality. They often come with lower insurance costs compared to larger vehicles, thanks to their safety features and affordable repair expenses. If you’re in the market for a sedan that won’t drain your wallet on premiums, these models stand out in 2025 as some of the cheapest cars to insure.

Chevrolet Cruze

The Chevrolet Cruze is a compact sedan that offers a comfortable ride, modern tech features, and excellent fuel efficiency. Known for its affordability, the Cruze is ideal for first-time car buyers and budget-conscious drivers.

The 2025 Cruze comes equipped with advanced safety features like lane departure warning, forward collision alert, and automatic emergency braking. Its low theft rates and solid reliability contribute to its position as one of the cheapest sedans to insure.

Price (Insurance)

Insurance for the Chevrolet Cruze starts at $1,000 per year, making it one of the most affordable options in the sedan category. This starting price reflects its strong safety ratings and low repair costs.

Ford Fusion

The Ford Fusion combines a sleek design with practicality and advanced technology, making it a strong contender for drivers seeking an affordable yet stylish sedan.

The 2025 Fusion offers a range of powertrain options, including a hybrid variant, for those looking to save on fuel. Safety features like blind-spot monitoring, lane-keeping assist, and pre-collision assist come standard, enhancing its appeal to both drivers and insurers.

Price (Insurance)

Insurance for the Ford Fusion starts at $1,100 per year, depending on your driving history and location. This starting price highlights its balanced mix of safety, reliability, and affordability.

Honda Accord

The Honda Accord has long been a favorite among sedan buyers, and for good reason. Its reputation for reliability, strong resale value, and cutting-edge features make it a smart investment.

The 2025 Accord offers a spacious interior, smooth driving dynamics, and a suite of Honda Sensing safety features, including adaptive cruise control, lane-keeping assist, and collision mitigation braking. These technologies not only make driving safer but also help reduce insurance premiums.

Price (Insurance)

Insurance for the Honda Accord starts at $1,150 per year, making it a cost-effective choice for drivers who want a well-rounded sedan. This starting price reflects its excellent safety ratings and strong reliability.

Hyundai Sonata

The Hyundai Sonata stands out with its sleek design, impressive technology, and exceptional warranty coverage. For 2025, the Sonata continues to offer great value for drivers looking for a dependable and stylish sedan.

The Sonata features standard safety systems like forward collision avoidance, lane-keeping assist, and driver attention warning. Its affordable maintenance costs and high reliability scores make it an attractive option for low insurance premiums.

Price (Insurance)

Insurance for the Hyundai Sonata starts at $1,050 per year, depending on your location and coverage. This starting pricereflects its competitive safety features and cost-efficient design.

Honda Civic

The Honda Civic is a staple in the compact sedan market, known for its reliability, fuel efficiency, and modern design. The 2025 Civic builds on this legacy with updated styling and innovative technology.

Equipped with Honda Sensing safety features like collision mitigation braking, road departure mitigation, and adaptive cruise control, the Civic ensure a secure driving experience. Its strong reliability record and low repair costs contribute to its affordability in terms of insurance.

Price (Insurance)

Insurance for the Honda Civic starts at $1,000 per year, making it one of the cheapest sedans to insure in 2025. This starting price reflects its excellent safety features and dependable reputation.

Cheapest Vans to Insure

Minivans have always been the ultimate family vehicle, offering ample space, practicality, and comfort. But what if you could enjoy these perks while saving on insurance? The vans on this list combine top-tier safety features, reliability, and reasonable repair costs to ensure affordable premiums. These are some of the cheapest cars to insure in 2025, making them an excellent choice for families who want to save on insurance while enjoying maximum convenience. Let’s explore the best minivans for 2025 that won’t break the bank on insurance.

Chrysler Pacifica

The Chrysler Pacifica sets the standard for modern minivans with its refined design, spacious interior, and advanced tech features. It’s perfect for families looking for versatility and comfort.

The 2025 Pacifica boasts a full suite of safety features, including blind-spot monitoring, adaptive cruise control, and automatic emergency braking. These systems not only enhance security but also help keep insurance premiums low. With a plug-in hybrid option, the Pacifica also appeals to eco-conscious families.

Price (Insurance)

Insurance for the Chrysler Pacifica starts at $1,150 per year, depending on your location and coverage needs. This starting price reflects its strong safety ratings and family-friendly design.

Chrysler Town and Country

A classic in the minivan world, the Chrysler Town and Country offers timeless practicality and modern updates for 2025. With a focus on comfort and convenience, it’s a great choice for families on the go.

Equipped with standard safety features like rear cross-traffic alert, forward collision warning, and parking assist, the Town and Country ensures peace of mind on every trip. Its reliability and affordable maintenance make it a cost-effective choice.

Price (Insurance)

Insurance for the Chrysler Town and Country starts at $1,200 per year. This starting price reflects its practical design and strong safety features.

Dodge Grand Caravan

The Dodge Grand Caravan remains a dependable workhorse for families and businesses alike. Its no-frills approach to utility and comfort makes it an appealing option for budget-conscious buyers.

The 2025 Grand Caravan includes essential safety features such as stability control, a rearview camera, and side-curtain airbags. While it may lack some of the advanced tech of competitors, its simplicity contributes to lower insurance costs.

Price (Insurance)

Insurance for the Dodge Grand Caravan starts at $1,100 per year, making it a wallet-friendly choice for those seeking an affordable, reliable van.

Honda Odyssey

The Honda Odyssey continues to lead the pack with its innovative features, excellent reliability, and family-oriented design. In 2025, it remains a top choice for parents looking for a safe and spacious ride.

The Odyssey is equipped with Honda Sensing, a suite of advanced safety technologies that includes lane-keeping assist, adaptive cruise control, and collision mitigation braking. Its strong resale value and top-tier safety ratings make it a favorite among insurers.

Price (Insurance)

Insurance for the Honda Odyssey starts at $1,150 per year, making it an affordable option given its advanced features and reliability. This starting price highlights its value in the minivan market.

Kia Sedona

The Kia Sedona is an underrated gem in the minivan segment, offering excellent value, stylish design, and a long list of features. It’s perfect for families seeking affordability without sacrificing quality.

The 2025 Sedona includes standard safety features such as forward collision avoidance, lane departure warning, and rear cross-traffic alert. Combined with Kia’s industry-leading warranty, the Sedona is a dependable and cost-effective choice.

Price (Insurance)

Insurance for the Kia Sedona starts at $1,100 per year. This starting price reflects its strong safety profile, competitive pricing, and reliability.

What Makes a Vehicle Expensive to Insure?

While many factors determine the cost of car insurance, some vehicle characteristics can make one model significantly more expensive to insure than another. Understanding these elements can help you make an informed decision when purchasing a vehicle, especially if keeping insurance costs low is a priority.

1. High Repair Costs

Luxury or high-performance vehicles often come with expensive parts and require specialized labor for repairs. For example, fixing a dented bumper on a luxury sports car could cost several times more than repairing the same damage on a mid-range sedan. Insurers factor in these repair costs when setting premiums, which can make luxury cars or imported vehicles more expensive to insure.

2. Poor Safety Ratings

Vehicles with low safety ratings are more likely to result in injuries during accidents, leading to higher medical expenses for the insurer. Cars with minimal or outdated safety features may lack critical systems like collision avoidance or airbags, increasing the likelihood of accidents and costly claims.

3. High Theft Rates

Certain makes and models are more attractive to thieves due to their popularity or the high resale value of their parts. Cars frequently targeted for theft, even if they’re not luxury vehicles, typically come with higher insurance premiums. Insurers use data on theft trends to assess risk.

4. High Performance and Speed

Sports cars and high-performance vehicles are designed for speed, making them more likely to be involved in accidents. Insurers see these vehicles as riskier, leading to higher premiums. Additionally, younger or less experienced drivers, who statistically have more accidents, are often drawn to these types of cars, further influencing rates.

5. Expensive Technology Features

Modern vehicles often come with advanced technology like sensors, cameras, and complex infotainment systems. While these features enhance safety and convenience, they can be costly to repair or replace after an accident, increasing insurance costs.

6. Large Vehicle Size

Larger vehicles, like SUVs and trucks, may cause more damage in an accident due to their size and weight. Although they’re often safer for their occupants, the potential cost of property damage to other vehicles or objects can raise their insurance premiums.

7. Driver Demographics

While not vehicle-specific, the profile of drivers who typically own certain cars plays a role in insurance costs. For example, sports cars are often associated with younger, riskier drivers, which drives up premiums, even for cautious owners.

By choosing a vehicle with good safety features, moderate repair costs, and low theft rates, you can significantly reduce your insurance expenses.

Other Ways to Save on Car Insurance Premiums

If you’re looking to lower your car insurance costs, the type of vehicle you drive is only part of the equation. Making smart choices about coverage, timing, and even the kind of car you purchase can significantly reduce your premiums. Here’s a detailed look at actionable strategies to save money on car insurance in 2025.

Choose the Right Coverage

While it might be tempting to go for the most comprehensive policy, not every driver needs full coverage. If you’re driving an older vehicle with a low market value, consider dropping collision or comprehensive coverage to save on premiums. The cost of repairing or replacing the car may not justify the extra expense of full coverage.

That said, never skimp on liability coverage—it protects you against lawsuits and medical expenses if you’re at fault in an accident. Shop around for policies that meet your needs without unnecessary add-ons, and regularly reassess your coverage as your car ages or your financial situation changes.

Avoid Ultra-luxury Cars

Luxury cars are often packed with cutting-edge technology, high-end materials, and powerful engines, all of which are costly to repair or replace. Insurers take these factors into account, leading to significantly higher premiums.

Additionally, luxury cars are more likely to attract thieves, which further raises insurance costs. If you want to save, consider opting for a mid-range vehicle with a reputation for reliability and lower repair costs. You’ll still enjoy a comfortable ride without the financial burden of exorbitant insurance rates.

Don’t Buy the Newest Model

While it’s exciting to own the latest car model, newer vehicles tend to come with higher insurance premiums. This is because they’re often valued higher than older models, meaning repairs or replacements cost more. Additionally, parts for brand-new models may be less readily available, driving up repair costs.

Consider purchasing a slightly older version of the car you’re eyeing. A one- or two-year-old vehicle often has many of the same features as the newest model but costs less to insure. Plus, depreciation hits the hardest during the first year, so you’ll save on both the purchase price and insurance.

Steer Away from Sports Cars

Sports cars are built for speed and performance, which makes them more likely to be involved in accidents. Insurers see these vehicles as high-risk, especially when driven by younger or less experienced drivers. This risk translates into higher premiums.

Additionally, sports cars often come with powerful engines and lightweight materials that are expensive to repair or replace. If you’re looking to save, stick to vehicles with moderate performance capabilities and avoid the temptation of high-horsepower models.

Rethink Alternative Energy Cars

While electric and hybrid vehicles are great for the environment and can save you money on fuel, they often come with higher insurance premiums. The advanced technology in these vehicles, including batteries and unique powertrains, can be costly to repair or replace.

If you’re set on going green, research models with lower repair costs and strong reliability records. Some insurers offer discounts for eco-friendly vehicles, so it’s worth asking about incentives. Alternatively, consider plug-in hybrids or traditional vehicles with excellent fuel efficiency to strike a balance between upfront costs and long-term savings.

By making informed decisions and weighing the pros and cons of these factors, you can take control of your insurance premiums and keep more money in your pocket.

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Further Reading

How do US auto auctions work?
How to buy a used car from a US auction
Buy Salvaged Cars from the USA. What's the Meaning and Benefit?
Types of Vehicle Titles: What You Can and Can’t Expor