Top 10 Cheapest Cars to Insure (Low Insurance Costs in 2026)

Car insurance can cost thousands over time—sometimes more than maintenance itself. The good news? Some vehicles are significantly cheaper to insure thanks to safety ratings, repair costs, and low theft risk.

In this guide, we’ll break down the top 10 cheapest cars to insure, perfect for budget buyers, students, families, and first-time drivers.

What Makes a Car Cheap to Insure?

Insurance companies favor cars with:

  • Strong safety ratings

  • Low repair costs

  • Smaller engines

  • Low theft rates

  • Good reliability history

1. Subaru Outback

Cheapest Car to Insure Overall

Pros:

  • Excellent safety ratings

  • Standard AWD

  • Family-friendly design

Cons:

  • Average fuel economy

  • Higher maintenance than compact cars

2. Honda CR-V

Best Cheap-to-Insure Compact SUV

Pros:

  • Strong safety scores

  • Affordable repairs

  • High reliability

Cons:

  • Conservative styling

  • Road noise

3. Toyota Corolla

Best Sedan for Low Insurance Costs

Pros:

  • Low accident risk

  • Cheap replacement parts

  • Excellent reliability

Cons:

  • Basic features

  • Not sporty

4. Mazda CX-5

Stylish SUV With Low Insurance Rates

Pros:

  • Top safety ratings

  • Affordable repairs

  • Strong reliability

Cons:

  • Smaller cargo space

  • Firm ride

5. Honda Civic

Low Insurance With Great Safety

Pros:

  • Excellent crash test scores

  • Long-term reliability

  • Easy to insure

Cons:

  • Sport trims cost more to insure

  • Road noise

6. Toyota RAV4

Reliable and Insurance-Friendly

Pros:

  • Family-oriented design

  • Low theft rates

  • Strong safety features

Cons:

  • Average acceleration

  • Older infotainment

7. Hyundai Elantra

Best Budget Insurance Option

Pros:

  • Low purchase price

  • Cheap repairs

  • Good safety tech

Cons:

  • Lower resale value

  • Interior quality

8. Honda Odyssey

Cheapest Minivan to Insure

Pros:

  • Excellent safety

  • Family-focused

  • Reliable engines

Cons:

  • Large size

  • Fuel economy

9. Toyota Camry

Affordable Insurance for a Midsize Sedan

Pros:

  • Strong reliability

  • Low repair costs

  • Excellent safety ratings

Cons:

  • Conservative styling

  • Larger size

10. Ford Escape

Affordable Insurance on a Budget SUV

Pros:

  • Cheap replacement parts

  • Good safety ratings

  • Affordable purchase price

Cons:

  • Interior quality

  • Average reliability

Cars That Are Expensive to Insure (Avoid These)

  • Sports cars

  • Turbocharged performance trims

  • Luxury brands

  • High theft-rate vehicles

  • Large V8 engines

Tips to Lower Your Car Insurance Costs

  • Choose higher deductibles

  • Bundle insurance policies

  • Maintain a clean driving record

  • Avoid performance trims

  • Compare quotes annually

Final Thoughts

Vehicles like the Toyota Corolla, Honda CR-V, and Subaru Outback consistently rank among the cheapest cars to insure, saving drivers thousands over time.

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