The Cheapest Cars to Insure (and Most Expensive)

The car you drive plays a big role in what you pay for car insurance. The cheapest cars to insure tend to be family-friendly SUVs, minivans and pickup trucks, while the most expensive are typically luxury vehicles, sports cars and high-performance sedans. Below, you’ll find the cheapest and most expensive cars to insure across different categories, age groups and states, based on real Jerry quote data from the past 12 months.

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Cheapest car to insure

The cheapest cars to insure tend to be family-oriented vehicles like SUVs, minivans, midsize sedans and full-size pickup trucks. Insurance companies generally see these vehicles as lower-risk because they’re typically driven by safer demographics like parents and commuters, and they tend to have moderate repair costs and strong safety features.

Most expensive cars to insure

On the other end of the spectrum, luxury vehicles, sports cars and high-performance sedans dominate the list of the most expensive cars to insure. These vehicles tend to cost more to repair, have pricier replacement parts, attract drivers who push their cars harder and are more likely to be involved in costly claims or stolen.

Cheapest cars to insure for young drivers

Drivers between the ages of 18 and 25 pay some of the highest car insurance rates of any age group, which means picking the right vehicle for your teen driver or young adult can save serious money. The cheapest cars to insure for young drivers tend to be practical SUVs, compact crossovers and family-friendly sedans rather than flashy or high-powered models.

Cheapest sports cars to insure

Sports cars are some of the most expensive vehicles to insure. Insurers consider them riskier because they have powerful engines, are often driven aggressively and tend to be involved in costlier accidents. Even the cheapest sports cars to insure cost considerably more than typical SUVs or family sedans.

Cheapest cars to insure in California

California has its own car insurance landscape, with rates and coverage requirements that differ from other parts of the country, for example, California also prohibits insurers from using credit history under Proposition 103. Picking a vehicle that’s cheap to insure can help California drivers keep monthly costs in check. The cheapest cars to insure in California tend to be practical SUVs, midsize sedans and family-friendly crossovers that insurers view as lower-risk.

Cheapest cars to insure in Florida

Florida has its own unique mix of factors that influence car insurance rates, including the state’s no-fault insurance system and weather-related risks. The cheapest cars to insure in Florida tend to be pickup trucks, midsize SUVs and family-friendly crossovers that insurers consider lower-risk.

Cheapest cars to insure in Michigan

Michigan’s no-fault insurance system shapes the cost of coverage in the state, with personal injury protection adding an extra layer of cost compared to many other places. The cheapest cars to insure in Michigan tend to be domestic pickup trucks, midsize SUVs and family-friendly crossovers.

Cheapest cars to insure in Arizona

Arizona has a relatively favorable car insurance environment, with pricing influenced by factors like population density, weather risks and state coverage requirements. The cheapest cars to insure in Arizona tend to be compact and midsize SUVs, family sedans and small crossovers that insurers consider lower-risk.

Cheapest cars to insure in Texas

Texas drivers have plenty of options when it comes to finding a vehicle that’s cheap to insure. The cheapest cars to insure in Texas tend to be family-friendly SUVs, midsize crossovers, minivans and even some entry-level luxury models that insurers see as lower-risk.

Are hybrid cars more expensive to insure?

Hybrid cars are often more expensive to insure than their gas counterparts, though the difference varies by model and isn’t always significant. Hybrids tend to have pricier replacement parts, specialized batteries and more expensive repair labor, all of which can drive up insurance costs. That said, certain hybrid versions actually cost less to insure than the gas equivalent, often because the hybrid trim attracts a different driver demographic.

Hybrid is more expensive than gas

Gas is more expensive than hybrid