Top 10 Cheapest Cars to Insure (Save Big on Insurance Costs)

 Car insurance can be one of the biggest expenses of owning a vehicle—especially for young drivers and first-time buyers. Some cars are simply cheaper to insure because they’re safer, less powerful, and cheaper to repair.

In this guide, we’ll cover the top 10 cheapest cars to insure, helping you save hundreds (or even thousands) of dollars every year.

Why Some Cars Are Cheaper to Insure

Insurance companies look at several factors, including:

  • Safety ratings

  • Repair costs

  • Theft rates

  • Engine power

  • Driver demographics

Cars that are safe, slow, and inexpensive to repair usually have the lowest insurance premiums.

1. Toyota Corolla

Cheapest Car to Insure Overall

A favorite among insurers and drivers.

Pros:

  • Excellent safety record

  • Cheap parts and repairs

  • Low accident risk

Cons:

  • Basic features

  • Not sporty

2. Honda Civic

Best Reliable Compact Car

Popular but still affordable to insure.

Pros:

  • Reliable engines

  • Strong safety ratings

  • Good fuel economy

Cons:

  • Sport trims can cost more to insure

  • Road noise

3. Subaru Outback

Best Cheap-to-Insure AWD Car

Great for families and snowy climates.

Pros:

  • Excellent safety ratings

  • AWD stability reduces accident risk

  • Practical and spacious

Cons:

  • Higher fuel costs

  • Older models may have engine issues

4. Mazda3

Best Budget-Friendly Hatchback

Stylish and safe.

Pros:

  • Strong safety features

  • Good handling

  • Affordable repair costs

Cons:

  • Smaller rear seat

  • Firm ride

5. Ford Escape

Best Affordable Compact SUV

Popular and practical.

Pros:

  • Good safety ratings

  • Low repair costs

  • Spacious interior

Cons:

  • Avoid older turbo models

  • Average fuel economy

6. Toyota Camry

Best Midsize Sedan to Insure

Comfortable and reliable.

Pros:

  • Excellent reliability

  • Strong safety ratings

  • Low theft risk

Cons:

  • Larger size

  • Not sporty

7. Hyundai Elantra

Best Budget Sedan

Cheap to buy and insure.

Pros:

  • Low purchase price

  • Good MPG

  • Affordable repairs

Cons:

  • Interior quality

  • Lower resale value

8. Kia Soul

Best Boxy Compact Car

Unique and practical.

Pros:

  • Easy to drive

  • Good safety features

  • Low repair costs

Cons:

  • Styling not for everyone

  • Small engine power

9. Toyota RAV4

Best Small SUV for Insurance Savings

Family-friendly and safe.

Pros:

  • High safety ratings

  • Reliable drivetrain

  • Good resale value

Cons:

  • Higher used prices

  • Conservative styling

10. Honda CR-V

Best Family SUV with Low Insurance Costs

Comfortable and dependable.

Pros:

  • Excellent safety record

  • Reliable engines

  • Spacious interior

Cons:

  • Higher purchase price

  • Average performance

Tips to Lower Your Car Insurance Costs

  • Choose cars with high safety ratings

  • Avoid turbo or high-performance models

  • Install anti-theft devices

  • Maintain a clean driving record

  • Bundle home and auto insurance

Final Thoughts

Cars like the Toyota Corolla, Honda Civic, and Subaru Outback are some of the cheapest vehicles to insure, making them perfect for budget-conscious drivers.

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