The Top 10 Cheapest Cars to Insure
The cheapest car to insure is the Honda Civic DX and the cheapest brands are Subaru and Honda. Read this list of the cheapest cars to insure to get quotes.
Written by Jessica Barrett
Reviewed by Kathleen Flear
Table of Contents
- Honda Civic
- Nissan Murano
- Honda Element
- Toyota Scion
- Subaru Forester
- FIAT 500
- Buick Enclave
- Toyota Prius
- Mitsubishi Galant
- Ford
- What impacts my rate?
- FAQs
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According to real quotes from Jerry drivers, the cheapest car to insure is none other than the dependable yet sporty Honda Civic DX.
There are a number of different factors that go into
car insurance
premiums, so your quotes will vary depending on your personal profile. But the good news is, there are some cars that are simply cheaper to insure than others. That’s why
trustworthy insurance comparison app
and licensed broker Jerry
used car insurance quotes from real customers to find the 10 cheapest cars to insure in the US from 2010 onwards.Jerry’s usefulness doesn’t stop there, though.
If you’re shopping for car insurance, all it takes is roughly 45 seconds to generate competitive quotes from top providers. The average driver saves $800+ on car insurance when they switch plans with Jerry.
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The Top 10 Cheapest Cars to Insure
Some brands are known for being more affordable to insure than others. And while we hate to break it to you, you won’t find cheap insurance for luxury or sports cars on this list.
But just because you already have a "good" insurance rate for your affordable car, doesn’t mean you should stop searching for competitive quotes.
In fact, drivers that own the cars on this list save big on their insurance rates when they
switch insurers
with Jerry. See for yourself!
"Jerry is quick, seamless and saved me a lot of money and time. I was literally in a meeting at work when I completed everything online through the app. Found new insurance and canceled old insurance. I’m telling everyone about this app." - Satisfied Jerry User
Honda Civic DX
A sleek, sporty look and smooth ride makes the Civic as fun to drive as it is affordable.
The Honda Civic has been one of the best-selling cars for many years running, and the DX is the base trim. It’s a compact sedan that’s equal parts refined and economical, with a surprising amount of space and a comfortable interior.
Owners of the
Honda Civic DX
love the reliability, generally low ownership costs, and excellent safety ratings. It doesn’t hurt that it offers a fun driving experience, either!If you’ve been looking at an
Acura ILX
–which comes with a higher list price and higher insurance costs–consider the Civic instead. The Honda Civic DX is the cheapest car to insure for Jerry users. In fact, Honda is one of the car brands with the cheapest insurance overall.
- Average annual premium before Jerry: $1308
- Average annual premium after Jerry: $816
- Miles per gallon: City 21 / highway 45
- Car & Driver rating: 9.5 (2021)
- List price: $22,245 (2021)
Nissan Murano SL
Surprised by the bold styling of the Murano? You’re not alone!
The
Nissan Murano SL
is a midsize SUV with a 3.5-liter V6 engine and a continuously variable automatic transmission. Underneath that bold exterior styling lies a comfortable interior with plenty of driver-assistance technology. Every model features an 8-inch color touchscreen with Nissan’s signature infotainment system.
If you’ve been thinking about the pricier
Infiniti QX60
, you might be surprised to find that the Murano is comparable. And bonus: You can use the savings to test out your new wheels on a road trip!- Average annual premium before Jerry: $2118
- Average annual premium after Jerry: $1056
- Miles per gallon: City 15 / highway 29
- Car & Driver rating: 5.5 (2021)
- List price: $33,760 (2021)
Honda Element EX
While Honda stopped production of the Element after 2011, the boxy, distinctive SUV crossover is a practical choice for an affordable used vehicle.
The Element is loosely based on the
CR-V
and is great on backroads, which might account for its popularity among outdoor enthusiasts. The interior has plenty of room and the (waterproof!) back seats fold flat for an excellent amount of cargo space.A
Jeep Wrangler
might be your first thought when it comes to rugged cars–but if you’re looking for the cheapest used car to insure, the Element should be high on your list.- Average annual premium before Jerry: $1500
- Average annual premium after Jerry: $1086
- Miles per gallon: City 20 / highway 24
- Car & Driver rating: 8 (2011)
- List price: $21,635 (2011)
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Toyota Scion XB
A boxy vehicle that doesn’t quite fit into the box.
The
Toyota Scion XB
is neither crossover nor sedan nor hatchback–and that’s its appeal. The utilitarian vehicle was produced from 2008 until 2015 and came with just the basics, though add-on options included automatic transmission, heated seats, and audio display with navigation.Where the Scion really shines is interior space. There is ample head and legroom, but fold the back seats down and you’re treated to a whopping 1,980 liters of cargo space.
If you’re considering a
Subaru Forester
or Outback
for their rugged, slightly boxy designs, the Toyota Scion might be a more affordable option.- Average annual premium before Jerry: $2164
- Average annual premium after Jerry: $1124
- Miles per gallon: City 22 / highway 27
- Car & Driver rating: 3 (2015)
- List price: $17,915 (2015)
Subaru Forester 2.5X Premium
From proven reliability and interior comfort to standard AWD and responsive handling, this small SUV delivers a lot of bang for your buck.
Symmetrical all-wheel drive comes standard, as does a panoramic moonroof on premium trim levels.
It has more interior passenger room than the Honda CR-V,
Toyota RAV4
, or Ford Escape
. And the Forester has tons of driver-assist safety features, including Subaru’s signature DriverFocus distraction mitigation system. When it comes to off-road capabilities and a rugged yet sophisticated look, the Subaru Forester gives the (much) pricier Land Rover a run for its money!
- Average annual premium before Jerry: $2423
- Average annual premium after Jerry: $1266
- Miles per gallon: City 26 / highway 33
- Car & Driver rating: 8 (2021)
- List price: $25,845 (2021)
FIAT 500 POP
A small but mighty option with tons of personality.
The
Fiat 500 POP
is an icon, delivering a fun driving experience with agile handling and good fuel economy. In keeping with its status as a subcompact car, it has roomy headspace in the front seat but is a bit tight in the back.
With its small profile, city drivers love how easy it is to navigate in traffic and park in busy areas. It was discontinued in the US after 2019.
While a car like the
Volkswagen Golf GTI
certainly offers an exciting drive, the Fiat 500 delivers a zippy driving experience that won’t set your wallet back quite as much.- Average annual premium before Jerry: $1996
- Average annual premium after Jerry: $1284
- Miles per gallon: City 26 / highway 33
- Car & Driver rating: 4 (2019)
- List price: $17,540 (2019)
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Buick Enclave CXL
A premium SUV without the premium price.
The
Buick Enclave CXL
boasts the curvy, refined exterior you might expect from a more upscale vehicle. With a smooth ride, a roomy interior with three rows of seats, and intuitive technology, it’s a midsize SUV that lets you enjoy the journey to the destination.The 3.6L V6 engine and 9-speed transmission deliver plenty of power, while standard safety features include lane change alert with side blind zone alert, and automatic emergency braking.
- Average annual premium before Jerry: $1892
- Average annual premium after Jerry: $1322
- Miles per gallon: City 18 / highway 26
- Car & Driver rating: 5.5 (2021)
- List price: $41,195 (2021)
Toyota Prius C
The only hybrid on this list, the
Toyota Prius C
is actually based on the smaller Yaris
rather than the classic Prius model. It’s an ultra-affordable car that’s simple yet practical for getting you from point A to point B.The key driver assists are standard in both of the latest Prius C trims: forward-collision warning, automated emergency braking, and lane-departure warning. Upgrade options include push-button start and a navigation system.
- Average annual premium before Jerry: $2347
- Average annual premium after Jerry: $1333
- Miles per gallon: City 48 / highway 43
- Car & Driver rating: 2 (2019)
- List price: $22,485 (2019)
Mitsubishi Galant ES
It’s a soft, comfortable drive in the spacious interior–even with five passengers.
All Galant trims include safety features such as active stability control, brake override logic, and tire pressure monitoring. And what the car may lack in style, it makes up for with affordability.
The Galant is comparable to the
Honda Accord
or Toyota Camry
, neither of which makes the list of the cheapest cars to insure.- Average annual premium before Jerry: $2400
- Average annual premium after Jerry: $1404
- Miles per gallon: City 21 / highway 29
- Car & Driver rating: 1 (2012)
- List price: $22,694 (2012)
Ford F-150
The
Ford F-150
has been the bestseller in the US for nearly 40 years now. The light-duty trucks have class-leading towing capabilities, a powerful engine, and good reliability. Drivers love the easy-to-use infotainment system and standard safety features, including pre-collision assist, lane-keeping features, and blind-spot monitoring.
While the full-size
Toyota Tundra
pickup might be tempting, the F150 is a more affordable option that will also keep your insurance down.- Average annual premium before Jerry: $2101
- Average annual premium after Jerry: $1446
- Miles per gallon: City 25 / highway 26
- Car & Driver rating: 9 (2021)
- List price: $30,635 (2021)
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Factors that impact your car insurance rate
Vehicle size
You’re less likely to get injured in a large vehicle, like a Ford F-150, than a small one, like a little Fiat 500. Insurance companies charge a higher premium for smaller vehicles to account for the increased risk.
Vehicle type
Luxury vehicles are more expensive to insure because
car repair
costs are higher in the event of an incident. Sports cars also have higher premiums since they’re seen as having increased risk.Driving record
A
clean driving record
can go a long way to lowering your insurance premium. If you’re an experienced driver with no tickets or accidents on your record, you’re in good shape. Vehicle safety ratings and features
Since you’re less likely to be injured in a vehicle with excellent safety ratings, insurance premiums tend to be lower. Newer cars often have more safety features, and thus cost less to insure than older ones.
Location
Where you live can have a significant impact on your insurance rate. The areas with the lowest rates tend to be less densely populated, have a high percentage of insured drivers, and are not subject to severe weather (like hurricanes or snowstorms).
Age and marital status
In general, insurance companies have found that older, married, female drivers tend to get into the fewest accidents. If you don’t tick those boxes, it’s likely that your insurance premiums will be higher.
Credit score
Not all states consider credit scores when setting premiums. Among those that do, an excellent credit score can mean discounts while a poor credit score can raise a red flag for insurers.
Jerry
can help you find the cheapest car insurance, no matter your car or driver profile. Jerry compares over 40 providers and presents you with the best coverage at the most affordable rates. MORE: How does your credit score affect car insurance?
Frequently asked questions
What car brands are the cheapest to insure?
Subaru and Honda typically fall into the top car brands with the cheapest insurance. They’re established brands with excellent safety ratings, middle-of-the-road repair costs, and great reliability.
What is the cheapest car to insure?
According to our data, the cheapest car to insure is the Honda Civic. It’s a reliable compact car that gets exceptional safety ratings. Insurance companies don’t consider it a risky vehicle, meaning insurance premiums typically stay low.
How do I find the cheapest insurance for my car?
Comparison shopping will net you the cheapest insurance–and there’s no easier way to do it than with
Jerry
. If you’re shopping for
car insurance
, all it takes is roughly 45 seconds to generate competitive quotes from top providers. Jerry gathers all of your information from your past insurer, so you're not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, for none of the hassle.
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