5 Cheapest Cars to Insure in 2026

5 Cheapest Cars to Insure

2026 Actuarial Study Save Up to $980/yr 196 Models • Audited Fleet Car insurance premiums are driven by repair severity, catalytic theft risk, and driver profiles. Here are the 5 cheapest cars to insure in 2026. AutoInsure.online • Vehicle Rankings 1 / 10

Why Minivans & Wagons Win

The Actuarial Formula Low Loss Relativity 0.74 • Relative Risk Index Underwriters rate family haulers lowest because mature owners drive fewer annual miles and file substantially fewer high-speed collision claims. AutoInsure.online • Vehicle Rankings 2 / 10

Honda Odyssey

Rank #1 • Lowest Overall $1,480 / year $123/mo • National Average Minivans claim top spot nationwide. Odyssey drivers boast clean records, top IIHS crash prevention ratings, and minimal catalytic converter thefts. AutoInsure.online • Vehicle Rankings 3 / 10

Subaru Forester

Rank #2 • Compact SUV $1,510 / year $126/mo • National Average Standard Symmetrical AWD plus Subaru EyeSight driver assistance slashes third-party bodily injury payouts, resulting in rock-bottom loss costs. AutoInsure.online • Vehicle Rankings 4 / 10

Subaru Impreza

Rank #3 • Compact Sedan $1,580 / year $131/mo • National Average Standard Impreza avoids the reckless driver surcharge attached to sports compacts, beating the Honda Civic by over $300 in annual premiums. AutoInsure.online • Vehicle Rankings 5 / 10

Ford Maverick

Rank #4 • Light Pickup $1,620 / year $135/mo • National Average The unibody hybrid Maverick undercuts full-size pickups by $320/yr. Lighter curb weight means lower third-party property damage in collisions. AutoInsure.online • Vehicle Rankings 6 / 10

Subaru Crosstrek

Rank #5 • Crossover $1,530 / year $128/mo • National Average With high bumper impact absorbing polymers and outstanding collision scores, the Crosstrek delivers exceptional long-term insurance value. AutoInsure.online • Vehicle Rankings 7 / 10

Sensor Calibration Shock

Repair Cost Factor Windshields Cost $1,200+ +$480 • ADAS Calibration Fee Modern vehicles with bumper sensors and cameras require optical recalibration after minor fender benders, inflating collision claim severity. AutoInsure.online • Vehicle Rankings 8 / 10

Can You Guess the Lowest Rate?

Interactive Quiz Test Your Knowledge Quiz • Interactive AutoInsure.online • Vehicle Rankings 9 / 10

Inspect All 196 Models

Actuarial Database 10 / 10 Compare State Rates 7,500+ • Rate Filings Indexed Check exact rate relativities and loss-cost multipliers for every car sold in America cross-referenced across all 50 states. Explore All 196 Ranked Cars