Cheapest Vehicles to Insure in 2026

The cheapest vehicles to insure are the Honda CR-V, Subaru Forester, and Honda HR-V, with starting rates around $52 per month.

These models stand out for low repair costs, strong safety performance, and fewer high-cost claims, which help insurers keep premiums low and make coverage more affordable overall.

Pricing also holds steady across crossovers, hatchbacks, and wagons as they have complementary risk profiles and predictable repair costs.

10 Cheapest Vehicles to Insure by Monthly Premiums

Choosing a vehicle linked to lower claim severity helps prevent sharp rate increases and keeps the average cost of auto insurance more stable over time.

Finding the cheapest vehicles to insure doesn’t have to be complicated. Enter your ZIP code to compare rates and find the most affordable coverage for your situation.

The Cheapest Cars for Insurance

Cars with stronger safety records tend to have lower premiums and offer better protection if something goes wrong.

The Honda CR-V at $52 monthly, the Subaru Forester at $54 per month, and the Honda HR-V at $56 a month stand out as the cheapest cars to insure.

Insurance rates reflect how likely a model is to be involved in a claim and how severe that claim might be, which is why auto insurance rates by vehicle can vary significantly.

These top models perform well in crash tests and include driver-assistance features. These factors help keep premiums more stable over time and reduce the risk of sudden increases.

The Mazda CX-5 at $58 per month and the Hyundai Kona at $61 per month remain affordable, but their slightly higher rates reflect a greater likelihood of higher claim costs.

Cars with cheap, widely available parts and low repair costs are less expensive for insurers to fix, which helps keep premiums down.

High safety ratings and lower engine power reduce severe accidents and costly injuries. Low theft rates and lower vehicle value further limit insurer risk, making these models more predictable and affordable to insure.

Over time, those differences can add up, and understanding the types of auto insurance can help you choose one of the top three options to keep costs more predictable.

Types of Vehicles With Cheaper Insurance Costs

The lowest premiums tend to appear in smaller, practical vehicle types, but, as noted in the auto insurance guide, the differences between them are fairly tight.

Crossovers, at $52 per month for the minimum and $150 per month for full coverage, are the cheapest types of vehicles to insure.

Smaller SUVs like crossovers and hatchbacks get the best rates because of their average repair costs and lower likelihood of high-cost claims.

Larger vehicles, such as minivans at $69 per month and $169 per month, and cargo vans at $68 per month and $168 per month, tend to be more expensive to repair and more costly when claims occur.

Coupes and convertibles, on the other hand, tend to have a higher risk of problems due to performance-derived, specialized components. The premiums for crossovers, hatchbacks, or wagons remain in a tighter, more knowable range.

Even when one option is a few dollars higher per month, the overall risk profile remains similar, helping prevent larger swings in insurance costs over time.

Cheapest Vehicles for Teen Drivers to Insure

The Subaru Forester remains one of the cheapest vehicles to insure for teens and new drivers. Minimum coverage costs start at $157 a month.

The Honda CR-V and HR-V remain affordable, but the Mazda CX-5 and Subaru Outback have advanced driver and passenger safety technology that can benefit high-risk teens with less experience behind the wheel.

10 Cheapest Vehicles for Teens by Monthly Premiums

Toyota models have slightly higher rates, but the Corolla and RAV4 perform well in crash tests. Get more details in our guide to the best auto insurance for Toyotas.

For those seeking the cheapest vehicles to insure for teen drivers, that added protection can be more valuable than saving a few dollars per month.

Subarus, Hondas, and Toyotas are also the cheapest used cars to insure, which can help families lock in cheap auto insurance for teens without losing coverage or taking a huge hit to premiums.

Always compare auto insurance companies online if you’re insuring teens or new drivers, especially when choosing the cheapest vehicles to insure for new drivers, as they face the highest rates regardless of what they drive.

Cheapest Cars to Insure With a DUI

DUI rates tend to increase dramatically, but you can get the best monthly insurance costs if you insure the right vehicle.

The Mazda CX-5 at $94 per month and the Subaru Forester at $99 per month sit well below the rest of the vehicles on this list.

10 Cheapest Vehicles After a DUI by Monthly Premiums

Both are tied to lower claim severity and reduced liability exposure, helping prevent premiums from rising further after a violation.

The Toyota RAV4, at $169 per month, costs more but still attracts attention for its record of fewer major claims and lower repair costs.

When setting rates, insurers factor in your driving record along with the vehicle you drive. Coverage on a car with fewer, less expensive claims can lead to more stable rates over time.

Shop around for cheap auto insurance after a DUI with at least 3 companies to find the best rate for your vehicle type.

Cheapest Cars to Insure With a Bad Credit

Poor credit increases insurance premiums, but the Mazda CX-5 and the Subaru Forester remain competitive with monthly rates under $110.

Factors that keep repair and replacement costs predictable, like having widely available parts like the Forester, keep insurance costs affordable.

10 Cheapest Vehicles for Bad Credit by Monthly Premiums

Lower vehicle values and easy access to parts make claims less expensive, helping keep premiums down even if your credit history works against you.

The Toyota RAV4 at $112 per month is slightly higher, but it earns its place near the top because it’s straightforward to repair.

These top three models stay close in monthly cost because they share something more important than price. Learn More: Cheap Auto Insurance for High-Risk Drivers

Mazdas, Subarus, and Toyotas are tied to lower repair costs and fewer claims, which can help prevent rate increases, especially for drivers with bad credit.

How Car Insurance Costs Vary by State

Auto insurance rates by state are not one-size-fits-all due to different coverage requirements and claim trends. Premiums for the cheapest vehicles to insure in Texas could still be higher than in more affordable states like Montana.

For instance, the Chevy Trailblazer is the cheapest in Texas at $76 a month for minimum coverage. At the same time, Montana stays low, with the Chevrolet Express costing around $42 to $107 per month.

The Mazda CX-5 is one of the cheapest vehicles to insure in Florida, but coverage averages at about $79 and $214 per month, which is higher than in other states.

Minimum coverage keeps costs closer to the lower end, while full coverage nearly doubles the rate. Compare minimum vs. full coverage auto insurance to see how costs differ in your state.

Top 10 Cars With the Cheapest Insurance Rates

The Honda CR-V is the cheapest car for insurance. Coverage costs $52 a month for minimum coverage and $128 a month for full coverage.

The Subaru Forester, starting at $54 per month, and the Honda HR-V at $56 stand out because they are linked to lower repair costs and fewer expensive claims.

The Mazda CX-5 at $58 per month and the Hyundai Kona at $61 per month are still affordable, but their slightly higher rates reflect higher expected claim costs.

Price differences are small, so a lower starting rate isn’t as important as the long-term costs associated with these vehicles. You’ll save money not only on the cheapest car insurance but also on claims and repairs.

#1 – Honda CR-V: Top Pick Overall

Pros

• Roomy Cabin: Plenty of room in the Honda CR-V helps keep insurance low at around $52 per month minimum, and $128 for full coverage.
• Flexible Storage: The Honda CR-V adapts easily for cargo or passengers with folding seats. This versatility supports practical use, which insurers often rate as lower risk.
• Family-Friendly: Reviews show that the CR-V meets daily driving needs without sacrificing performance. Compare the best auto insurance for Hondas for cheap quotes.

Cons

• Parking Effort: Honda CR-V may take extra care when parking in smaller spots. Its size can make quick maneuvers slightly more difficult.
• Higher Upkeep: The Honda CR-V can cost more to repair than smaller vehicles. That can influence long-term ownership costs even with lower insurance rates.

#2 – Subaru Forester: Best for All-Weather Traction

Pros

• All-Weather Grip: The Subaru Forester handles tough conditions well, helping keep insurance costs low, with a minimum of about $54 per month.
• Standard AWD: Forester models include all-wheel drive, helping support high-risk drivers by reducing risk in poor conditions. Read more about high-risk auto coverage.
• Balanced Control: The Subaru Forester remains composed in turns, on uneven ground. This consistency allows insurers to assess it as a low-risk vehicle.

Cons

• Higher Purchase: The Subaru Forester can cost more upfront than smaller cars. That higher value may affect replacement costs in claims.
• Repair Pricing: The Subaru Forester may cost more to fix due to AWD parts. Repair complexity can influence total claim expenses over time.

#3 – Honda HR-V: Best for Easy City Parking

Pros

• Urban Handling: The Honda HR-V handles well at low speeds. Smooth control prevents alarm-driving mistakes.
• Good Visibility: The Honda HR-V offers good visibility around the vehicle, which supports safe driving and can earn you good driver insurance discounts.
• Tight Turning: Our analysis shows that the Honda HR-V handles tight streets well, helping drivers avoid collisions in big cities.

Cons

• Limited Power: The Honda HR-V has modest acceleration compared to larger SUVs. This may feel less responsive on highways.
• Highway Noise: HR-V drivers have reported louder noise at higher speeds, and cabin comfort may degrade on long drives.

#4 – Mazda CX-5: Best for Sporty Driving

Pros

• Sporty Handling: The CX-5 offers sharp handling and low insurance at about $58 per month. Learn more in our guide: 26 Hacks to Save Money on Auto Insurance
• Responsive Steering: The Mazda CX-5 reacts quickly to driver input, making it easier to stay in control on curves and busy roads.
• Premium Feel: The Mazda CX-5 has a more refined interior than other companies on this list without increasing its average premiums.

Cons

• Limited Cargo: Storage flexibility is a drawback for some drivers, since the CX-5 offers less cargo room than larger SUVs.
• Fuel Usage: The Mazda CX-5 may use more fuel with stronger engine options, which can increase running costs.

#5 – Hyundai Kona: Best for Urban Driving

Pros

• Compact Agility: The Hyundai Kona moves easily through tight streets, helping it stay among the cheapest vehicles to insure, with a minimum of about $61 per month.
• Quick Response: The Kona reacts smoothly in stop-and-go traffic, making it a solid fit for drivers with long commutes.
• Easy Entry: The Hyundai Kona has a practical height for getting in and out, making it convenient for everyday city use.

Cons

• Road Stiffness: Interior comfort can vary widely depending on the road surface.
• Feature Cost: Hyundai Kona insurance rates quickly add up with new updates and higher trims. Compare the best car insurance companies to find lower rates.

#6 – Subaru Outback: Best for Long-Distance Comfort

Pros

• Long-Drive Comfort: The Subaru Outback is well-suited for long trips, with insurance starting at $86 per month for minimum coverage and $175 per month for full coverage.
• Spacious Layout: The Outback model offers ample legroom and cargo space, enhancing passenger comfort and safety.
• Safety Tech: The Subaru Outback includes driver-assist systems that help reduce accidents and claim costs. More Details Here: How to File an Auto Insurance Claim & Win

Cons

• Price Range: The Subaru Outback can cost more upfront than compact models, and its higher price may increase replacement costs in claims.
• Repair Complexity: Repair costs influence claim payouts, and the Subaru Outback may cost more to fix due to AWD systems.

#7 – Volkswagen Tiguan: Best for Rear Seat Flexibility

Pros

• Flexible Seating: The Volkswagen Tiguan offers adjustable rear seats and ample practical space, enhancing safety and comfort for passengers and drivers.
• Balanced Ride: The Tiguan is an excellent commuter car, which the best auto insurance companies for Volkswagens reward with low rates starting at $65 a month.
• Safety Support: The Volkswagen Tiguan comes with driver-assist features that help reduce the risk of an accident.

Cons

• Average Power: The Volkswagen Tiguan prioritizes comfort over speed, so its acceleration lags behind a Honda or Toyota.
• Interior Basics: The Volkswagen Tiguan may feel less premium in lower trims, but insurance costs will be even lower.

#8 – Hyundai Venue: Best for Tight Street Handling

Pros

• Tight Cornering: The Venue hooks around tight corners, minimizing the chance of low-speed collisions and lowering collision insurance costs.
• City Visibility: The Hyundai Venue offers clear sightlines that help drivers stay aware, supporting its place among the cheapest vehicles to insure by lowering accident risk.
• Easy Maneuvering: The Hyundai Venue delivers smooth handling and easy maneuvering on tight streets, improving control in busy areas.

Cons

• Firm Ride: The Hyundai Venue may feel stiff on uneven roads, but its simple design helps keep it among the cheapest vehicles to insure.
• Highway Noise: The Hyundai Venue can be noisier at higher speeds.

#9 – Chevrolet TrailBlazer: Best for Light Off-Road Use

Pros

• Off-Road Capability: The Chevrolet TrailBlazer can handle light trails, making it one of the least expensive vehicles to insure and a lower risk for minor damage.
• Lower Premiums: TrailBlazer insurance premiums cost less than many SUVs at roughly $78-$138 monthly. Lower claim costs help keep rates competitive.
• Everyday Flexibility: After reviewing the best auto insurance for Chevrolets, we found the Chevy TrailBlazer’s balanced city and light off-road use helps keep risk levels steady.

Cons

• Trim Pricing: The TrailBlazer can cost more in higher trims, and these added features may raise insurance costs.
• Smaller Cargo Capacity: The Chevrolet TrailBlazer has less cargo space than larger SUVs.

#10 – Toyota Corolla Cross: Best for Everyday Practicality

Pros

• Daily Usability: The Toyota Corolla Cross pairs daily positives, helping its rank among the least-expensive vehicles to insure.
• Fuel Efficiency: Our review of the Toyota Corolla Cross highlights its fuel efficiency and lower running costs.
• Affordable Rates: Full coverage auto insurance on the Toyota Corolla Cross costs an average of $143–$185 per month.

Cons

• Modest Power: The Toyota Corolla Cross has a limited driving range, and while it can keep up with other cars on the highway, its acceleration is not strong.
• Ride firmness: The Toyota Corolla Cross can feel slightly stiff on rough roads, making long trips less smooth.

Find the Cheapest Vehicles to Insure Today

The cheapest vehicles to insure include the Honda CR-V, Subaru Forester, and Honda HR-V, with rates starting at $52 per month.

These models remain relatively affordable due to their low repair costs and good safety ratings.

Fewer expensive claims on models like the Toyota Corolla Cross help stabilize premiums over time, making them easier to compare on the best insurance comparison sites.

See how much you’ll pay for the cheapest cars to insure by entering your ZIP code into our free comparison tool.