The cheapest cars to insure

What are the cheapest cars to insure?

The following cars might be among the cheapest to insure — they have the lowest frequency and severity (cost) of collision claims, according to the Insurance Institute for Highway Safety and Highway Loss Data Institute (IIHS-HLDI):

• GMC Sierra 3500
• GMC Sierra 2500
• Jeep Wrangler (two-door)
• Chevrolet Colorado crew cab
• Honda CR-V
• Ford Bronco (two-door) convertible

This article also breaks down the sedans/hatchbacks, SUVs, and trucks with the fewest and least costly collision claims based on IIHS-HLDI's data.

Use the following links to learn more about:

• The cheapest sedans/hatchbacks to insure
• The cheapest midsize SUVs to insure
• The cheapest small SUVs to insure
• The cheapest trucks to insure

Why are some cars cheaper to insure?

If you have comprehensive and collision coverage, certain cars are often cheaper to insure because they would cost less to repair or replace if they were damaged in an accident. They may also be cheaper to insure because they tend to cause less costly damage to other drivers.

Because they're worth less, some older cars are often cheaper to insure with comprehensive and collision than brand new vehicles, especially if the older car has higher safety ratings. In general, though, newer cars have better safety features that may make them cheaper to insure with liability coverage than older cars.

Keep in mind that your car's make and model is only one of many factors that determine your car insurance rate. Your premium will also be determined by your location, age, discounts, driving history, and more.

Cars with the lowest frequency of collision claims

The vehicles listed in this article have fewer and less costly collision claims than the average passenger vehicle and truck. The lower the percentage, the fewer claims the specific model has been involved in. Note that these car makes and models may have different percentages for other types of claims, such as bodily injury claims.

These percentages are calculated by the Insurance Institute for Highway Safety — Highway Loss Data Institute (IIHS-HLDI) and don't directly reflect insurance rates. The car models listed are intended to be a starting point for someone who's looking for a vehicle that might have less risk and therefore potentially lower rates.

Note: The average insurance rates stated for the specific vehicle classes (sedans, SUVs, and pickups) are based on AAA's 2024 edition of "Your Driving Costs" which analyzes the cost of a policy with:

• Liability coverage
• Medical payments coverage
• Uninsured/underinsured motorist coverage
• Comprehensive coverage
• Collision coverage

What are the cheapest sedans or hatchbacks to insure?

If you're looking for a small or midsize four-door car that's less expensive to insure, the models below might be a good place to start. These vehicles are ranked by how many fewer collision claims they've been involved in and the cost of those claims compared to all passenger vehicles and don't reflect the cost to insure them.

What are the cheapest SUVs to insure?

As far as insurance rates for specific SUV models go, the SUVs listed here could be cheaper. However, these models are ranked based on how many fewer collision claims they have than the average passenger vehicle — they don't reflect the average cost to insure them.