Cost of ownership
Cheapest Cars to Insure
Ranked from the Insurify Cheapest Cars to Insure (2025). CarOutlay adds the ownership-cost lens — what each result means for the real 5-year cost of owning the car.
The ranking
Cheapest models to insure by average monthly full-coverage premium. National average: $138/month. Lower is better.
- Dodge Caravan Cheapest to insure About 26% below the national average. $102/mo
- Honda Fit $113/mo
- Subaru Outback $117/mo
- Subaru Forester $119/mo
- Fiat 500 $120/mo
- Honda CR-V $122/mo
- Acura RSX $125/mo
- Dodge Viper $126/mo
- Honda Odyssey $128/mo
- Ford Ranger $128/mo
- Subaru Impreza $129/mo
- Toyota 4Runner $131/mo
- Ford Fiesta $132/mo
- Chevrolet Colorado $137/mo
- Chevrolet Equinox At the national average. $138/mo
Why this matters for your cost of ownership
Insurance is one of the three largest ongoing costs of owning a car, alongside depreciation and fuel, and the model you choose moves the number before you ever take the wheel. The same driver can pay markedly different premiums on two similar cars because insurers price each model's repair cost, theft risk, and crash history. Choosing a low-premium model can quietly save hundreds of dollars a year, which compounds across a five-year hold. Enter a real quote for your specific model into our TCO calculator to price the insurance line precisely rather than guessing.
Open the 5-Year TCO calculatorHow this ranking is measured
Insurify's data scientists analyzed more than 190 million real quotes served to applicants through its proprietary database of 500+ partner insurance companies in all 50 states and Washington, D.C. The premiums shown are median full-coverage prices (comprehensive and collision with $1,000 deductibles) for drivers aged 20 to 70 with a clean driving record and average or better credit (a 600+ credit score). Each model's average is compared against the national average of $138 per month. Premiums vary with the car because insurers price each model's repair cost, theft risk, safety record, and claim history — not just the driver.
Source: Insurify, Cheapest Cars to Insure (2025). Based on more than 190 million real quotes from Insurify's 500+ partner insurers across all 50 states and Washington, D.C. Premiums are for full coverage; national average is $138/month. View the original study ↗
Frequently asked questions
What is the cheapest car to insure?
By Insurify's analysis of more than 190 million quotes, the Dodge Caravan is the cheapest car to insure at about $102 per month for full coverage — roughly 26% below the $138 national average. It is followed by the Honda Fit ($113), Subaru Outback ($117), and Subaru Forester ($119). Minivans, small Hondas, and Subaru wagons dominate the cheap list thanks to modest repair costs and strong safety records.
Why does the car model affect insurance cost so much?
Insurers price the risk and expense of paying a claim, and that depends heavily on the specific vehicle. A model with cheap parts, good crash-avoidance, low theft rates, and a clean claims history costs less to insure than a fast, expensive, or frequently stolen one — even for the same driver. That's why family-friendly minivans and modest SUVs sit at the cheap end while sports cars and luxury models sit at the costly end.
Will buying a cheap-to-insure car guarantee a low premium?
No. The model is only one factor. Your driving record, age, location, credit, coverage level, and deductible all move the number, so two drivers in the same car can pay very different rates. Insurify's figures assume a clean record and decent credit. Treat the model as a head start on a low premium, then compare actual quotes for your own situation.
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