What are the Least Expensive Cars to Insure?

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Megan Foukes is a recent graduate from Indiana University who graduated with a bachelor’s in journalism. Megan works as a content writer for Auto Credit Express and contributes to several automotive and finance blogs.


, - March 28, 2019

Car insurance can be expensive. While you can’t avoid factors such as your age, gender, or the demographics that impact insurance rates in your area, you can save money by picking the right vehicle, since some cars are more expensive to insure than others. The Zebra’s "The State of Auto Insurance" report looked at over 61 million car insurance rates to determine which vehicles are the least expensive to insure in 2019.

The Least Expensive Cars to Insure

In order, these cars are the cheapest to insure, based on their 2019 model years:

Subaru Outback

  • MSRP: $26,345
  • Insurance Premium: $1,392
  • Insurance as a percentage of MSRP: 5.19%

Chevrolet Colorado

  • MSRP: $21,300
  • Insurance Premium: $1,414
  • Insurance as a percentage of MSRP: 4.93%

Ford Escape

  • MSRP: $24,105
  • Insurance Premium: $1,438
  • Insurance as a percentage of MSRP: 5.77%

Fiat 500X

  • MSRP: $24,490
  • Insurance Premium: $1,441
  • Insurance as a percentage of MSRP: 6.78%

Subaru Crosstrek

  • MSRP: $21,895
  • Insurance Premium: $1,446
  • Insurance as a percentage of MSRP: 6.37%

Jeep Compass

  • MSRP: $21,845
  • Insurance Premium: $1,449
  • Insurance as a percentage of MSRP: 6.56%

Honda HR-V

  • MSRP: $20,520
  • Insurance Premium: $1,463
  • Insurance as a percentage of MSRP: 6.82%

Buick Encore

  • MSRP: $23,200
  • Insurance Premium: $1,468
  • Insurance as a percentage of MSRP: 6.12%

GMC Sierra 1500

  • MSRP: $29,600
  • Insurance Premium: $1,474
  • Insurance as a percentage of MSRP: 3.64%

Toyota Tacoma

  • MSRP: $25,550
  • Insurance Premium: $1,475
  • Insurance as a percentage of MSRP: 5.00%

Car Insurance and Your Vehicle Choice

What might be surprising is that the type of vehicle you choose affects the insurance premium. What this means is that if you’re not sure if you want an SUV or sedan, for example, the difference in the insurance premium could be the deciding factor.

Trucks and vans typically have the lowest premiums ($1,621 and $1,657, respectively), SUVs generally have a reasonable premium ($1,802), and sedans and green cars usually have the highest premiums ($2,116 and $2,016, respectively).

If you're considering a used model, keep in mind that the cost of insurance is going to increase. Statistically, used vehicles are at a higher risk of being stolen or experiencing extensive damage, so insurance companies offset this risk by increasing the cost of car insurance.

Looking into the level of coverage required for auto insurance, you must carry at least your state’s minimum liability coverage unless you're financing the vehicle. Financed cars always require full coverage auto insurance, although what’s included in the coverage and how much it costs also depends on your state.

If you’re not sure if you should consider additional coverage or just go with liability, you should discuss this with your insurance provider while making sure you can afford it.

Ready to Find Auto Financing?

If you’ve crunched the numbers and are ready to finance a vehicle, but worry your credit is holding you back, don’t fret. At CarsDirect, we help credit-challenged car buyers get connected to dealerships that have the lending resources available to get them financed.

Getting started is easy, just fill out our free auto loan request form, and we’ll get right to work connecting you to a dealer.

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Megan Foukes is a recent graduate from Indiana University who graduated with a bachelor’s in journalism. Megan works as a content writer for Auto Credit Express and contributes to several automotive and finance blogs.


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