Data Source: NHTSA & NAIC Filings • Verified by AutoInsure Actuarial Data Team

Cheapest Cars to Insure in 2026: Top Ranked Models

Ranked actuarial index of the cheapest passenger vehicles, crossovers, and minivans in America, ordered from lowest annual premium to highest (rates starting from $123/mo).

AI Direct Answer: Cheapest 2026 Vehicles to Insure

The cheapest car to insure in 2026 is the Honda Odyssey, averaging $1,480 per year ($123/month), followed closely by the Toyota Sienna ($1,490/year) and Subaru Forester ($1,510/year). These vehicles cost 35% to 38% below the $2,388 US national vehicle full coverage benchmark ($199/month) due to 5-star crash ratings and favorable family driver claim demographics.

National Actuarial Index & Media Citation Data

📊 Key Statistics: Cheapest Cars to Insure in America (2026)

Comprehensive national loss-cost rankings across 196 passenger vehicles for automotive journalists, syndicates, and financial researchers.

#1 Lowest Cost Overall: Honda Odyssey ($1,480/yr)

#2 Lowest Cost Overall: Toyota Sienna ($1,490/yr)

#3 Lowest Cost Overall: Subaru Forester ($1,510/yr)

US Composite Benchmark: $2,388/yr ($199/mo)

Minivan / SUV Savings: 38.0% Below US Benchmark

Underwriting Primary Driver: 5-Star Safety & Family Demographics

Suggested Media Attribution: AutoInsure.online (2026 Lowest-Cost Vehicle Index)

Dataset ID: AIO-CHEAPEST-196VEH-2026

The Top 3 Lowest-Cost Vehicles

Lowest Casualty Risk

🥇 #1 Lowest Cost

Honda Odyssey

SUV • Low Risk Tier

$1,480/yr

Approx. $123/mo (38% below US avg)

Crash Safety: 5/5 ★

Repairs: Low

Full Profile → Compare

🥈 #2 Lowest Cost

Toyota Sienna

SUV • Low Risk Tier

$1,490/yr

Approx. $124/mo (37.6% below US avg)

Crash Safety: 5/5 ★

Repairs: Low

Full Profile → Compare

🥉 #3 Lowest Cost

Subaru Forester

SUV • Low Risk Tier

$1,510/yr

Approx. $126/mo (36.8% below US avg)

Crash Safety: 5/5 ★

Repairs: Low

Full Profile → Compare

Complete 2026 Vehicle Insurance Index

Filter by category or budget to identify the cheapest models to insure.

Honda Odyssey SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,480/yr

$123/mo (38% lower)

Details → Compare

Toyota Sienna SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,490/yr

$124/mo (37.6% lower)

Details → Compare

Subaru Forester SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,510/yr

$126/mo (36.8% lower)

Details → Compare

Mazda CX-5 SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Average • Theft: Low

$1,520/yr

$127/mo (36.3% lower)

Details → Compare

Honda Fit Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,520/yr

$127/mo (36.3% lower)

Details → Compare

Subaru Crosstrek SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Average • Theft: Very Low

$1,530/yr

$128/mo (35.9% lower)

Details → Compare

Subaru Outback SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,540/yr

$128/mo (35.5% lower)

Details → Compare

Kia Carnival SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,550/yr

$129/mo (35.1% lower)

Details → Compare

Chrysler Pacifica SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,560/yr

$130/mo (34.7% lower)

Details → Compare

#10

Chevrolet Equinox SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low to Moderate • Theft: Low

$1,560/yr

$130/mo (34.7% lower)

Details → Compare

#11

Toyota Highlander SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Average • Theft: Low

$1,580/yr

$132/mo (33.8% lower)

Details → Compare

#12

Honda HR-V SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,580/yr

$132/mo (33.8% lower)

Details → Compare

#13

Mazda CX-30 SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,580/yr

$132/mo (33.8% lower)

Details → Compare

#14

Hyundai Venue SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,580/yr

$132/mo (33.8% lower)

Details → Compare

#15

Subaru Impreza Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,580/yr

$132/mo (33.8% lower)

Details → Compare

#16

Honda CR-V SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,590/yr

$133/mo (33.4% lower)

Details → Compare

#17

Hyundai Tucson SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Average • Theft: Low to Moderate

$1,590/yr

$133/mo (33.4% lower)

Details → Compare

#18

Toyota Corolla Cross SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,590/yr

$133/mo (33.4% lower)

Details → Compare

#19

Chevrolet Trax SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,590/yr

$133/mo (33.4% lower)

Details → Compare

#20

Buick Encore GX SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,590/yr

$133/mo (33.4% lower)

Details → Compare

#21

Kia Niro SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,590/yr

$133/mo (33.4% lower)

Details → Compare

#22

Subaru Legacy Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,590/yr

$133/mo (33.4% lower)

Details → Compare

#23

Toyota Prius Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,610/yr

$134/mo (32.6% lower)

Details → Compare

#24

Honda Pilot SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Average • Theft: Low

$1,610/yr

$134/mo (32.6% lower)

Details → Compare

#25

Kia Sportage SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Average • Theft: Moderate

$1,610/yr

$134/mo (32.6% lower)

Details → Compare

#26

Subaru Ascent SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,610/yr

$134/mo (32.6% lower)

Details → Compare

#27

Hyundai Kona SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,610/yr

$134/mo (32.6% lower)

Details → Compare

#28

Toyota RAV4 SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,620/yr

$135/mo (32.2% lower)

Details → Compare

#29

Ford Escape SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Average • Theft: Low

$1,620/yr

$135/mo (32.2% lower)

Details → Compare

#30

Hyundai Santa Fe SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Average • Theft: Low

$1,620/yr

$135/mo (32.2% lower)

Details → Compare

#31

Ford Maverick Truck Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,620/yr

$135/mo (32.2% lower)

Details → Compare

#32

Nissan Kicks SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,620/yr

$135/mo (32.2% lower)

Details → Compare

#33

Kia Seltos SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,620/yr

$135/mo (32.2% lower)

Details → Compare

#34

Kia Telluride SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,630/yr

$136/mo (31.7% lower)

Details → Compare

#35

Chevrolet Trailblazer SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,630/yr

$136/mo (31.7% lower)

Details → Compare

#36

Mazda CX-50 SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,630/yr

$136/mo (31.7% lower)

Details → Compare

#37

Hyundai Palisade SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,640/yr

$137/mo (31.3% lower)

Details → Compare

#38

Ford Bronco Sport SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,640/yr

$137/mo (31.3% lower)

Details → Compare

#39

Volkswagen Taos SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,640/yr

$137/mo (31.3% lower)

Details → Compare

#40

Toyota Venza SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,650/yr

$138/mo (30.9% lower)

Details → Compare

#41

Chevrolet Traverse SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Average • Theft: Low

$1,660/yr

$138/mo (30.5% lower)

Details → Compare

#42

GMC Terrain SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,660/yr

$138/mo (30.5% lower)

Details → Compare

#43

Volkswagen Tiguan SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,670/yr

$139/mo (30.1% lower)

Details → Compare

#44

Toyota Corolla Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,680/yr

$140/mo (29.6% lower)

Details → Compare

#45

Toyota Grand Highlander SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,680/yr

$140/mo (29.6% lower)

Details → Compare

#46

Honda Passport SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,680/yr

$140/mo (29.6% lower)

Details → Compare

#47

Buick Envision SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,680/yr

$140/mo (29.6% lower)

Details → Compare

#48

Kia Soul SUV Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Low • Theft: Moderate

$1,680/yr

$140/mo (29.6% lower)

Details → Compare

#49

Nissan Versa Sedan Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Low • Theft: Moderate

$1,680/yr

$140/mo (29.6% lower)

Details → Compare

#50

Mazda 3 Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,680/yr

$140/mo (29.6% lower)

Details → Compare

#51

Nissan Rogue SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,690/yr

$141/mo (29.2% lower)

Details → Compare

#52

Honda Ridgeline Truck Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,690/yr

$141/mo (29.2% lower)

Details → Compare

#53

Jeep Renegade SUV Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Low • Theft: Moderate

$1,690/yr

$141/mo (29.2% lower)

Details → Compare

#54

Chevrolet Bolt EV Electric Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,690/yr

$141/mo (29.2% lower)

Details → Compare

#55

Mazda MX-5 Miata Sedan Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Low • Theft: Low

$1,690/yr

$141/mo (29.2% lower)

Details → Compare

#56

Jeep Wrangler SUV Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Low • Theft: High

$1,710/yr

$143/mo (28.4% lower)

Details → Compare

#57

Jeep Compass SUV Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Low • Theft: Moderate

$1,710/yr

$143/mo (28.4% lower)

Details → Compare

#58

Nissan Murano SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,710/yr

$143/mo (28.4% lower)

Details → Compare

#59

Toyota Avalon Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,710/yr

$143/mo (28.4% lower)

Details → Compare

#60

Toyota Tacoma Truck Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,720/yr

$143/mo (28% lower)

Details → Compare

#61

Ford Edge SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,720/yr

$143/mo (28% lower)

Details → Compare

#62

Mazda CX-90 SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,720/yr

$143/mo (28% lower)

Details → Compare

#63

Volvo XC40 SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,720/yr

$143/mo (28% lower)

Details → Compare

#64

Toyota Camry Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,740/yr

$145/mo (27.1% lower)

Details → Compare

#65

Jeep Cherokee SUV Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: Low

$1,740/yr

$145/mo (27.1% lower)

Details → Compare

#66

Chevrolet Blazer SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,740/yr

$145/mo (27.1% lower)

Details → Compare

#67

Nissan Pathfinder SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,740/yr

$145/mo (27.1% lower)

Details → Compare

#68

Kia Rio Sedan Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Low • Theft: Moderate

$1,740/yr

$145/mo (27.1% lower)

Details → Compare

#69

Mazda 6 Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,740/yr

$145/mo (27.1% lower)

Details → Compare

#70

Ford Ranger Truck Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: Low

$1,750/yr

$146/mo (26.7% lower)

Details → Compare

#71

Toyota 4Runner SUV Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Low • Theft: Moderate

$1,750/yr

$146/mo (26.7% lower)

Details → Compare

#72

Buick Enclave SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,750/yr

$146/mo (26.7% lower)

Details → Compare

#73

Hyundai Accent Sedan Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Low • Theft: Moderate

$1,750/yr

$146/mo (26.7% lower)

Details → Compare

#74

Ford Explorer SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$1,760/yr

$147/mo (26.3% lower)

Details → Compare

#75

Nissan Frontier Truck Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Low • Theft: Moderate

$1,760/yr

$147/mo (26.3% lower)

Details → Compare

#76

Volkswagen Atlas SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,760/yr

$147/mo (26.3% lower)

Details → Compare

#77

Ford Focus Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,760/yr

$147/mo (26.3% lower)

Details → Compare

#78

Honda Accord Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,780/yr

$148/mo (25.5% lower)

Details → Compare

#79

Chevrolet Colorado Truck Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: Low to Moderate

$1,780/yr

$148/mo (25.5% lower)

Details → Compare

#80

GMC Acadia SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,780/yr

$148/mo (25.5% lower)

Details → Compare

#81

Lincoln Corsair SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,780/yr

$148/mo (25.5% lower)

Details → Compare

#82

Toyota Crown Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,780/yr

$148/mo (25.5% lower)

Details → Compare

#83

Ford Fusion Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,780/yr

$148/mo (25.5% lower)

Details → Compare

#84

GMC Canyon Truck Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: Moderate

$1,790/yr

$149/mo (25% lower)

Details → Compare

#85

Lexus NX 350 SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,790/yr

$149/mo (25% lower)

Details → Compare

#86

Acura RDX SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,790/yr

$149/mo (25% lower)

Details → Compare

#87

Chevrolet Cruze Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,790/yr

$149/mo (25% lower)

Details → Compare

#88

Volkswagen Golf Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,790/yr

$149/mo (25% lower)

Details → Compare

#89

Volvo XC60 SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,810/yr

$151/mo (24.2% lower)

Details → Compare

#90

Ford Taurus Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,810/yr

$151/mo (24.2% lower)

Details → Compare

#91

Volkswagen Passat Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Low

$1,810/yr

$151/mo (24.2% lower)

Details → Compare

#92

Hyundai Elantra Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,820/yr

$152/mo (23.8% lower)

Details → Compare

#93

Ford Bronco SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$1,820/yr

$152/mo (23.8% lower)

Details → Compare

#94

Lexus RX 350 SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,820/yr

$152/mo (23.8% lower)

Details → Compare

#95

Hyundai Sonata Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,820/yr

$152/mo (23.8% lower)

Details → Compare

#96

Dodge Hornet SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$1,820/yr

$152/mo (23.8% lower)

Details → Compare

#97

Lexus ES 350 Sedan Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,820/yr

$152/mo (23.8% lower)

Details → Compare

#98

Chevrolet Malibu Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,840/yr

$153/mo (22.9% lower)

Details → Compare

#99

Jeep Gladiator Truck Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Low • Theft: High

$1,850/yr

$154/mo (22.5% lower)

Details → Compare

#100

Chevrolet Impala Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,850/yr

$154/mo (22.5% lower)

Details → Compare

#101

Kia K5 Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,850/yr

$154/mo (22.5% lower)

Details → Compare

#102

Jeep Grand Cherokee SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: High

$1,860/yr

$155/mo (22.1% lower)

Details → Compare

#103

Kia Forte Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,860/yr

$155/mo (22.1% lower)

Details → Compare

#104

Honda Civic Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,880/yr

$157/mo (21.3% lower)

Details → Compare

#105

Volkswagen Jetta Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate to High • Theft: Low

$1,880/yr

$157/mo (21.3% lower)

Details → Compare

#106

Lexus TX 350 SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,880/yr

$157/mo (21.3% lower)

Details → Compare

#107

Infiniti QX50 SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,880/yr

$157/mo (21.3% lower)

Details → Compare

#108

Acura Integra Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low • Theft: Moderate

$1,880/yr

$157/mo (21.3% lower)

Details → Compare

#109

Hyundai Ioniq 6 Electric Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,880/yr

$157/mo (21.3% lower)

Details → Compare

#110

Nissan Sentra Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Low to Moderate • Theft: Moderate

$1,890/yr

$158/mo (20.9% lower)

Details → Compare

#111

Toyota Tundra Truck Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$1,890/yr

$158/mo (20.9% lower)

Details → Compare

#112

Subaru Solterra Electric Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,890/yr

$158/mo (20.9% lower)

Details → Compare

#113

Acura MDX SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,890/yr

$158/mo (20.9% lower)

Details → Compare

#114

Volkswagen ID.4 Electric Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,910/yr

$159/mo (20% lower)

Details → Compare

#115

Ford F-150 Truck Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$1,920/yr

$160/mo (19.6% lower)

Details → Compare

#116

Cadillac XT5 SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,920/yr

$160/mo (19.6% lower)

Details → Compare

#117

Audi Q3 SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,920/yr

$160/mo (19.6% lower)

Details → Compare

#118

Volvo XC90 SUV Low Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,920/yr

$160/mo (19.6% lower)

Details → Compare

#119

Kia EV6 Electric Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,920/yr

$160/mo (19.6% lower)

Details → Compare

#120

Hyundai Ioniq 5 Electric Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,940/yr

$162/mo (18.8% lower)

Details → Compare

#121

Nissan Altima Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate to High

$1,940/yr

$162/mo (18.8% lower)

Details → Compare

#122

Nissan Titan Truck Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: Moderate

$1,940/yr

$162/mo (18.8% lower)

Details → Compare

#123

Infiniti QX60 SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,940/yr

$162/mo (18.8% lower)

Details → Compare

#124

Chevrolet Silverado 1500 Truck Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: Moderate

$1,960/yr

$163/mo (17.9% lower)

Details → Compare

#125

GMC Sierra 1500 Truck Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: Moderate

$1,980/yr

$165/mo (17.1% lower)

Details → Compare

#126

Toyota Sequoia SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$1,980/yr

$165/mo (17.1% lower)

Details → Compare

#127

Genesis GV70 SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,980/yr

$165/mo (17.1% lower)

Details → Compare

#128

Ford Expedition SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$1,990/yr

$166/mo (16.7% lower)

Details → Compare

#129

Cadillac XT6 SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,990/yr

$166/mo (16.7% lower)

Details → Compare

#130

Acura TLX Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$1,990/yr

$166/mo (16.7% lower)

Details → Compare

#131

Ram 1500 Truck High Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: High

$2,050/yr

$171/mo (14.2% lower)

Details → Compare

#132

Chevrolet Tahoe SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,050/yr

$171/mo (14.2% lower)

Details → Compare

#133

Volkswagen Arteon Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$2,050/yr

$171/mo (14.2% lower)

Details → Compare

#134

Kia EV9 Electric Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$2,050/yr

$171/mo (14.2% lower)

Details → Compare

#135

Ford F-250 Super Duty Truck Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,080/yr

$173/mo (12.9% lower)

Details → Compare

#136

GMC Yukon SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,080/yr

$173/mo (12.9% lower)

Details → Compare

#137

Chevrolet Silverado 2500HD Truck Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,090/yr

$174/mo (12.5% lower)

Details → Compare

#138

Nissan Armada SUV Moderate Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: Moderate

$2,090/yr

$174/mo (12.5% lower)

Details → Compare

#139

GMC Sierra 2500HD Truck Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,120/yr

$177/mo (11.2% lower)

Details → Compare

#140

Chevrolet Suburban SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,120/yr

$177/mo (11.2% lower)

Details → Compare

#141

Lexus IS 300 Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$2,120/yr

$177/mo (11.2% lower)

Details → Compare

#142

GMC Yukon XL SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,140/yr

$178/mo (10.4% lower)

Details → Compare

#143

Lincoln Aviator SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$2,150/yr

$179/mo (10% lower)

Details → Compare

#144

Ford Mustang Mach-E Electric Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$2,180/yr

$182/mo (8.7% lower)

Details → Compare

#145

Ford F-350 Super Duty Truck Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,180/yr

$182/mo (8.7% lower)

Details → Compare

#146

Lexus GX 550 SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,180/yr

$182/mo (8.7% lower)

Details → Compare

#147

BMW X3 SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,180/yr

$182/mo (8.7% lower)

Details → Compare

#148

Dodge Durango SUV High Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: High

$2,180/yr

$182/mo (8.7% lower)

Details → Compare

#149

Nissan Maxima Sedan High Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,180/yr

$182/mo (8.7% lower)

Details → Compare

#150

Ford F-150 Lightning Electric Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$2,180/yr

$182/mo (8.7% lower)

Details → Compare

#151

Subaru BRZ Sedan High Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,180/yr

$182/mo (8.7% lower)

Details → Compare

#152

Ram 2500 Truck High Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: High

$2,190/yr

$183/mo (8.3% lower)

Details → Compare

#153

Audi Q5 SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$2,190/yr

$183/mo (8.3% lower)

Details → Compare

#154

Toyota GR86 Sedan High Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,190/yr

$183/mo (8.3% lower)

Details → Compare

#155

Chevrolet Corvette Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$2,200/yr

$183/mo (7.9% lower)

Details → Compare

#156

Genesis GV80 SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$2,220/yr

$185/mo (7% lower)

Details → Compare

#157

Jeep Wagoneer SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,240/yr

$187/mo (6.2% lower)

Details → Compare

#158

Audi A4 Sedan Moderate Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Low

$2,240/yr

$187/mo (6.2% lower)

Details → Compare

#159

Mercedes-Benz GLC-Class SUV Moderate Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$2,250/yr

$188/mo (5.8% lower)

Details → Compare

#160

Ram 3500 Truck High Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: High

$2,290/yr

$191/mo (4.1% lower)

Details → Compare

#161

Chrysler 300 Sedan High Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: High

$2,290/yr

$191/mo (4.1% lower)

Details → Compare

#162

BMW 3 Series Sedan High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,420/yr

$202/mo (+1.3% higher)

Details → Compare

#163

Infiniti QX80 SUV High Risk

Crash Safety: 4/5 ★ • Repairs: High • Theft: Moderate

$2,420/yr

$202/mo (+1.3% higher)

Details → Compare

#164

Subaru WRX Sedan High Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: Moderate

$2,450/yr

$204/mo (+2.6% higher)

Details → Compare

#165

Tesla Model 3 Electric High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$2,480/yr

$207/mo (+3.9% higher)

Details → Compare

#166

BMW X5 SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,480/yr

$207/mo (+3.9% higher)

Details → Compare

#167

Mercedes-Benz C-Class Sedan High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,490/yr

$208/mo (+4.3% higher)

Details → Compare

#168

Lincoln Navigator SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,490/yr

$208/mo (+4.3% higher)

Details → Compare

#169

Audi Q7 SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,510/yr

$209/mo (+5.1% higher)

Details → Compare

#170

Tesla Model Y Electric High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$2,540/yr

$212/mo (+6.4% higher)

Details → Compare

#171

Mercedes-Benz GLE-Class SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,550/yr

$213/mo (+6.8% higher)

Details → Compare

#172

Toyota GR Supra Sedan High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,550/yr

$213/mo (+6.8% higher)

Details → Compare

#173

Cadillac Escalade SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: High

$2,580/yr

$215/mo (+8% higher)

Details → Compare

#174

Audi A6 Sedan High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$2,580/yr

$215/mo (+8% higher)

Details → Compare

#175

BMW i4 Electric High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$2,580/yr

$215/mo (+8% higher)

Details → Compare

#176

Lexus LX 600 SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,620/yr

$218/mo (+9.7% higher)

Details → Compare

#177

Porsche Macan SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,640/yr

$220/mo (+10.6% higher)

Details → Compare

#178

BMW 5 Series Sedan High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,640/yr

$220/mo (+10.6% higher)

Details → Compare

#179

Ford Mustang Sedan High Risk

Crash Safety: 5/5 ★ • Repairs: Moderate • Theft: High

$2,650/yr

$221/mo (+11% higher)

Details → Compare

#180

Jeep Grand Wagoneer SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,650/yr

$221/mo (+11% higher)

Details → Compare

#181

Land Rover Defender SUV High Risk

Crash Safety: 4/5 ★ • Repairs: High • Theft: Moderate

$2,680/yr

$223/mo (+12.2% higher)

Details → Compare

#182

Mercedes-Benz E-Class Sedan High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$2,680/yr

$223/mo (+12.2% higher)

Details → Compare

#183

Chevrolet Camaro Sedan High Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: High

$2,720/yr

$227/mo (+13.9% higher)

Details → Compare

#184

BMW X7 SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,780/yr

$232/mo (+16.4% higher)

Details → Compare

#185

Rivian R1T Electric High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$2,780/yr

$232/mo (+16.4% higher)

Details → Compare

#186

Audi Q8 SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,790/yr

$233/mo (+16.8% higher)

Details → Compare

#187

Rivian R1S Electric High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$2,840/yr

$237/mo (+18.9% higher)

Details → Compare

#188

Mercedes-Benz GLS-Class SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,850/yr

$238/mo (+19.3% higher)

Details → Compare

#189

Dodge Challenger Sedan High Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: High

$2,890/yr

$241/mo (+21% higher)

Details → Compare

#190

Dodge Charger Sedan High Risk

Crash Safety: 4/5 ★ • Repairs: Moderate • Theft: High

$2,950/yr

$246/mo (+23.5% higher)

Details → Compare

#191

Porsche Cayenne SUV High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Moderate

$2,950/yr

$246/mo (+23.5% higher)

Details → Compare

#192

Tesla Model X Electric High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$3,100/yr

$258/mo (+29.8% higher)

Details → Compare

#193

Land Rover Range Rover Sport SUV High Risk

Crash Safety: 4/5 ★ • Repairs: High • Theft: High

$3,120/yr

$260/mo (+30.7% higher)

Details → Compare

#194

Tesla Model S Electric High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$3,250/yr

$271/mo (+36.1% higher)

Details → Compare

#195

Tesla Cybertruck Electric High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$3,350/yr

$279/mo (+40.3% higher)

Details → Compare

#196

Lucid Air Electric High Risk

Crash Safety: 5/5 ★ • Repairs: High • Theft: Low

$3,450/yr

$288/mo (+44.5% higher)

Details → Compare

Actuarial Breakdown: Why Certain Cars Cost So Much Less

Underwriters evaluate three core casualty actuarial metrics when setting base model rates:

Driver Demographics & Usage

Vehicles like the Honda Odyssey and Subaru Outback are overwhelmingly driven by married adults with children who log fewer night miles and maintain fewer moving violation convictions.

Bodily Injury Loss Severity

Vehicles with 5-star NHTSA ratings and standard automatic emergency braking protect occupants in crashes, dramatically reducing medical payments and personal injury protection (PIP) payouts.

Parts Availability & Repair Labor

High-volume domestic and Japanese vehicles have widespread aftermarket body panels and standard repair procedures, avoiding specialized dealer calibration markups seen in luxury and EV brands.

Frequently Asked Questions: Cheapest Cars to Insure

What is the cheapest vehicle to insure in America in 2026?

The Honda Odyssey minivan ($1,480/year or $123/month) and Toyota Sienna ($1,490/year or $124/month) rank as the cheapest vehicles to insure in 2026. Among compact SUVs, the Subaru Forester ($1,510/year) and Subaru Outback ($1,540/year) provide the lowest insurance premiums.

Why are minivans and family crossovers so cheap to insure?

Minivans and crossovers are driven predominantly by experienced parents with children, resulting in lower moving violation frequencies, cautious driving habits, and exceptional NHTSA 5-star crash protection that minimizes bodily injury claim payouts.

Why are electric vehicles (EVs) and sports cars more expensive to insure?

EVs and performance cars (like the Tesla Model X and Dodge Charger) carry higher insurance rates due to expensive battery replacement costs, proprietary structural components, specialized collision repair labor, and higher horsepower accident loss severities.

Can choosing the right car trim level save money on insurance?

Yes. Base model trims with standard engines typically cost 8% to 15% less to insure than turbo, performance, or luxury packages (such as GT, Type R, or Plaid editions) which feature higher theft indices and higher replacement valuations.

Cheapest Cars to Insure in 2026: Top Ranked Models

📊 Key Statistics: Cheapest Cars to Insure in America (2026)

The Top 3 Lowest-Cost Vehicles

Honda Odyssey

Toyota Sienna

Subaru Forester

Complete 2026 Vehicle Insurance Index

Actuarial Breakdown: Why Certain Cars Cost So Much Less

Driver Demographics & Usage

Bodily Injury Loss Severity

Parts Availability & Repair Labor

Frequently Asked Questions: Cheapest Cars to Insure

What is the cheapest vehicle to insure in America in 2026?

Why are minivans and family crossovers so cheap to insure?

Why are electric vehicles (EVs) and sports cars more expensive to insure?

Can choosing the right car trim level save money on insurance?

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