Cheapest Cars To Insure

Cheapest Cars To Insure

We all know that not all cars cost the same to insure, and we likely even understand why. Cars that are fast, expensive or more likely to be stolen are naturally going to cost more money when it's time to pay for car insurance.

But that doesn't necessarily mean you have to be stuck driving a dull, boring vehicle if you want to save money on insurance. As you'll see in our list of the cheapest cars to insure in the United States, your choices include some genuinely surprising vehicles.

Our data comes from, and it includes pricing information from Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm in 10 ZIP codes per state. For the purposes of this list, assumes full coverage for a single 40-year-old male with a clean record, a 12-mile daily commute, policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Click above to find out which vehicles will save you money on car insurance. We were just as shocked as you will be by the winner.

Ford Escape S

Ford Escape S

Average insurance rate for 12 months: $1,190

The Ford Escape, specifically one in the base S-model guise, is the 10th cheapest vehicle to insure on our list. It's a crossover that isn't likely to actually leave the pavement, so we can understand why it's average insurance rate is in the bargain bin.

But remember, there are nine more vehicles on our list that are even less expensive to insure. Click above to find out what they are.

Research the Ford Escape
Ford Escape Overview
Ford Escape Photos & Video
Ford Escape Local Dealer Price Quote
Ford Escape Best Deal Price
Smart ForTwo Pure Coupe

Smart ForTwo Pure Coupe

Average insurance rate for 12 months: $1,186

The Smart ForTwo gets a bad rap from most auto journalists, and we ourselves have slung a few arrows its way, pointing out its seemingly lackluster fuel economy figures and high sticker price (considering its small size).

But the diminutive ForTwo has several redeeming qualities, notably the ease with which one can find a parking space, and, as you see here, its low cost to insure. According to, that's due at least in part to how few miles the Smart ForTwo is driven, on average, each year. Many choices on this list make a lot less sense at first glance, though. Find out which ones by clicking above.

Research the Smart ForTwo
Smart ForTwo Overview
Smart ForTwo Photos & Video
Smart ForTwo Local Dealer Price Quote
Ford Edge SE

Ford Edge SE

Average insurance rate for 12 months: $1,176

There's a new version of the Ford Edge this year, but it's the older 2014 model that is earning the low insurance rates seen here.

Perhaps the Ford Edge is seen as a safe choice for upstanding car buyers, leading to lower insurance rates than its competitors. We're not exactly sure why, but we're happy to see a good deal. Wondering what's next?

Research the Ford Edge
Subaru Outback Overview
Subaru Outback Photos & Video
Subaru Outback Local Dealer Price Quote
Subaru Outback Best Deal Price
Subaru Outback 2.5i

Subaru Outback 2.5i

Average insurance rate for 12 months: $1,176

In some parts of the United States, Subaru may as well be the official car for the adventure seeker. In places like the East and West Coast – and especially in places where snow is a real possibility in the winter – the Subaru Outback is seen as a good, clean, reliable choice.

Perhaps it's those same qualities that land the Subaru Outback on our list of the cheapest cars to insure. What's next?

Research the Subaru Outback
Subaru Outback Overview
Subaru Outback Photos & Video
Subaru Outback Local Dealer Price Quote
Subaru Outback Best Deal Price
Jeep Compass Sport

Jeep Compass Sport

Average insurance rate for 12 months: $1,164

The Compass may be Jeep's least off-road-oriented offering, and while you may think that has something to do with its low insurance costs (and you may be at least partially right), it's not the only vehicle from Jeep to make this list.

If it's a street-oriented compact crossover you're after, the Compass may be the Jeep you're looking for. Click on the image above to see more choices with low insurance costs.

Research the Jeep Compass
Jeep Compass Overview
Jeep Compass Photos & Video
Jeep Compass Local Dealer Price Quote
Jeep Compass Best Deal Price
Honda Odyssey LX

Honda Odyssey LX

Average insurance rate for 12 months: $1,163

This makes sense. You'd expect that people who buy minivans are likely doing so to fill them with family members, and with such precious cargo on board, you'd also expect a minivan like the Honda Odyssey to be driven safely.

What's more, minivans generally don't incite the kind of antics that get insurers up in arms, right? The same can't necessarily be said of the very cheapest car to insure in the US, though. Click above to find out what it is.

Research the Honda Odyssey
Honda Odyssey Overview
Honda Odyssey Photos & Video
Honda Odyssey Local Dealer Price Quote
Honda Odyssey Best Deal Price
Dodge Grand Caravan SE

Dodge Grand Caravan SE

Average insurance rate for 12 months: $1,162

Right, a minivan. The Dodge Grand Caravan kicked off the whole minivan craze way back in the early 1980s, and it's been going strong ever since.

It makes sense that a minivan wouldn't be terribly expensive to insure, and, as you'll see, it's not the last example on this list. But some of the other vehicles that are cheap to insure may well surprise you.

Research the Dodge Grand Caravan
Dodge Grand Caravan Overview
Dodge Grand Caravan Photos & Video
Dodge Grand Caravan Local Dealer Price Quote
Dodge Grand Caravan Best Deal Price
Honda CR-V LX

Honda CR-V LX

Average insurance rate for 12 months: $1,160

The Honda CR-V is a very sensible choice. It's high projected reliability and resale value ought to appeal to those looking for a good investment, and those same senses and sensibilities make it relatively inexpensive to insure.

Another crossover comes next on the list. Click above to find out which one.

Research the Honda CR-V
Honda CR-V Overview
Honda CR-V Photos & Video
Honda CR-V Local Dealer Price Quote
Honda CR-V Best Deal Price
Jeep Patriot Sport

Jeep Patriot Sport

Average insurance rate for 12 months: $1,136

This is becoming a broken record. SUVs and crossovers from the Jeep brand offer surprisingly low insurance costs. While the Patriot may not be your best option from America's best-known off-road brand if you plan to actually use it as intended (off-road, that is), it's still a capable vehicle with which to explore a little bit off the beaten path.

The next vehicle on our list isn't likely to shock you, but the overall winner... well, that one will be a bit of a surprise, we think.

Research the Jeep Patriot
Jeep Patriot Overview
Jeep Patriot Photos & Video
Jeep Patriot Local Dealer Price Quote
Jeep Patriot Best Deal Price
Jeep Wrangler Sport

Jeep Wrangler Sport

Average insurance rate for 12 months: $1,134

Like we said, we were just as surprised as you are. The Jeep Wrangler, specifically in Sport guise, is the cheapest vehicle to insure, at least when assuming the set of criteria as outlined at the outset.

If you don't want a somewhat stripped-down Sport model, we're happy to report that other, more expensive and better-equipped versions, including the Sahara and Rubicon, are also considered cheap to insure. Have some fun!

Research the Jeep Wrangler
Jeep Wrangler Overview
Jeep Wrangler Photos & Video
Jeep Wrangler Local Dealer Price Quote
Jeep Wrangler Best Deal Price

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