The Cheapest Cars to Insure (and Most Expensive)
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Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
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10 years in journalism
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Best Business Writing (1st)
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
Key Takeaways
- The cheapest cars to insure are small SUVs, minivans, and practical sedans. Models like the Subaru Outback, Honda CR-V and Jeep Wrangler consistently rank among the cheapest to insure for Jerry customers because they have strong safety scores, low theft rates, and inexpensive parts that keep repair and claim costs down.
- A low insurance cost comes down to a few shared traits: a modest sticker price, top safety ratings, low theft appeal, and cheap, easy-to-source parts. If you are shopping for your next car and want to keep premiums low, prioritizing these factors matters.
- The same car can still cost very different amounts to insure depending on the carrier. Even on one of the cheapest cars to insure, comparing quotes is how you lock in the lowest rate. With Jerry, you can compare quotes from 100+ insurers in minutes and find the cheapest coverage for your specific car.
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.
Jerry pulls up to 20 quotes from top rated carriers.
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.
|
Make
|
Lowest quote we've found
|
Average monthly quote
|
Average annual quote
|
|---|---|---|---|
| GMC Acadia At4 | $50 | $96 | $1,147 |
| Subaru Outback | $51 | $101 | $1,209 |
| Subaru Ascent | $51 | $99 | $1,190 |
| Subaru Forester | $53 | $103 | $1,240 |
| GMC Terrain Denali | $53 | $100 | $1,204 |
| Lincoln Nautilus | $54 | $115 | $1,381 |
| Honda Ridgeline | $55 | $101 | $1,214 |
| GMC Acadia Denali | $55 | $103 | $1,239 |
| Toyota Land | $55 | $103 | $1,237 |
| GMC Acadia All Terrain | $56 | $110 | $1,323 |
| Chrysler Voyager | $56 | $97 | $1,163 |
| GMC Terrain At4 | $56 | $112 | $1,342 |
| Ford F150 Lariat | $56 | $114 | $1,372 |
| Hyundai Palisade | $56 | $106 | $1,273 |
| Ford F350 Super Duty | $56 | $111 | $1,330 |
| GMC Acadia Slt | $57 | $112 | $1,342 |
| Subaru Crosstrek | $57 | $111 | $1,328 |
| Honda Odyssey | $57 | $107 | $1,283 |
| Buick Lacrosse | $58 | $123 | $1,478 |
| Chrysler Pacifica | $58 | $104 | $1,246 |
| GMC Canyon Denali | $58 | $123 | $1,475 |
| GMC Canyon Slt | $58 | $107 | $1,284 |
| Cadillac Xt6 | $58 | $125 | $1,502 |
| Lincoln Corsair | $58 | $109 | $1,312 |
| Mazda Cx-90 | $58 | $121 | $1,447 |
| Subaru Legacy | $58 | $121 | $1,458 |
| Kia Telluride | $58 | $110 | $1,321 |
| Porsche Cayman | $59 | $195 | $2,334 |
| Volvo V60 | $59 | $124 | $1,489 |
| Chrysler Town | $59 | $113 | $1,355 |
| Honda Passport | $59 | $111 | $1,332 |
| Ford F150 Xlt | $59 | $114 | $1,367 |
| Buick Enclave | $59 | $107 | $1,280 |
| Ford F150 Lightning Laria | $59 | $106 | $1,276 |
| GMC Sierra C1500 Denali | $59 | $112 | $1,343 |
| Ford Maverick | $59 | $107 | $1,281 |
| Lincoln Navigator | $59 | $131 | $1,573 |
| Ford Bronco | $59 | $114 | $1,370 |
| GMC Terrain Slt | $60 | $113 | $1,355 |
| Buick Envision | $60 | $111 | $1,328 |
| Ford Edge | $60 | $114 | $1,367 |
| Lincoln Aviator | $60 | $133 | $1,596 |
| MINI Countryman | $60 | $127 | $1,529 |
| GMC Yukon Denali Xl | $60 | $114 | $1,367 |
| Kia Carnival | $60 | $111 | $1,335 |
| Toyota Sequoia | $60 | $122 | $1,469 |
| Toyota 4runner | $60 | $108 | $1,295 |
| Rivian R1s | $61 | $104 | $1,250 |
| Ford Expedition | $61 | $107 | $1,286 |
| Toyota Sienna | $61 | $121 | $1,449 |
Based on Jerry customers with clean driving records who received state minimum coverage quotes in the past 12 months for vehicles newer than model year 2015. Lowest quotes are based on the 25th percentile of state minimum coverage quotes.
Key takeaway:The GMC Acadia At4 is the cheapest car to insure, with quotes from $50 per month. The Subaru Outback and Subaru Ascent round out the cheapest three vehicles to insure.
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.
|
Make
|
Lowest quote we've found
|
Average monthly quote
|
Average annual quote
|
|---|---|---|---|
| BMW 340i | $105 | $276 | $3,311 |
| Hyundai Genesis | $99 | $178 | $2,137 |
| Dodge Charger | $96 | $189 | $2,262 |
| Toyota 86 | $95 | $185 | $2,222 |
| BMW 428 | $94 | $207 | $2,483 |
| INFINITI Q50 | $93 | $202 | $2,428 |
| Toyota Gr | $92 | $187 | $2,248 |
| BMW 228 | $90 | $182 | $2,180 |
| Mercedes-Benz A | $89 | $188 | $2,257 |
| BMW M5 | $88 | $253 | $3,032 |
| BMW 740i | $88 | $242 | $2,909 |
| Dodge Challenger | $88 | $165 | $1,982 |
| BMW M240i | $88 | $351 | $4,207 |
| Land Rover Range Rover Velar S | $88 | $175 | $2,100 |
| BMW I5 | $88 | $166 | $1,990 |
| BMW 530i | $87 | $185 | $2,221 |
| BMW 535i | $86 | $176 | $2,106 |
| BMW 320i | $86 | $163 | $1,951 |
| Ford Mustang | $86 | $171 | $2,048 |
| BMW 528i | $86 | $144 | $1,723 |
| Mitsubishi Lancer | $85 | $154 | $1,852 |
| BMW 330xi | $85 | $235 | $2,820 |
| Toyota Mirai | $85 | $310 | $3,718 |
| Kia Cadenza | $84 | $158 | $1,897 |
| BMW M340i | $84 | $271 | $3,255 |
| Maserati Ghibli | $84 | $168 | $2,017 |
| Mercedes-Benz Cle | $84 | $200 | $2,396 |
| Nissan 370z | $84 | $172 | $2,061 |
| BMW 540i | $84 | $194 | $2,327 |
| BMW 530e | $84 | $166 | $1,997 |
| Chevrolet Camaro | $84 | $186 | $2,231 |
| BMW 330i | $83 | $232 | $2,782 |
| Lexus Is350 | $83 | $178 | $2,135 |
| Dodge Dart | $83 | $157 | $1,880 |
| Chrysler 300c | $83 | $147 | $1,768 |
| Lexus Is | $83 | $172 | $2,067 |
| Hyundai Sonata | $83 | $163 | $1,954 |
| Chrysler 300 | $83 | $160 | $1,922 |
| Chrysler 200 | $83 | $155 | $1,857 |
| Nissan Sentra | $82 | $162 | $1,941 |
| Hyundai Accent | $82 | $156 | $1,870 |
| Ford F150 Xl | $82 | $163 | $1,956 |
| BMW 328i | $82 | $164 | $1,963 |
| Audi S3 | $82 | $186 | $2,229 |
| Toyota Scion | $82 | $168 | $2,021 |
| Hyundai Elantra | $82 | $161 | $1,927 |
| Toyota Corona | $82 | $137 | $1,641 |
| Kia K4 | $82 | $167 | $2,000 |
| BMW 330e | $81 | $230 | $2,762 |
| Lexus Ct200h | $81 | $167 | $2,004 |
Based on Jerry customers with clean driving records who received state minimum coverage quotes in the past 12 months for vehicles newer than model year 2015. Lowest quotes are based on the 25th percentile of state minimum coverage quotes.
Key takeaway:The BMW 340i leads the list of most expensive cars to insure, with quotes starting at $105 per month. The Hyundai Genesis is also among the priciest.
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.
|
Make
|
Lowest quote we've found
|
Average monthly quote
|
Average annual quote
|
|---|---|---|---|
| Chrysler Pacifica | $62 | $118 | $1,414 |
| Subaru Outback | $68 | $134 | $1,613 |
| Hyundai Palisade | $68 | $141 | $1,697 |
| Subaru Forester | $76 | $149 | $1,783 |
| Subaru Crosstrek | $78 | $147 | $1,761 |
| Mazda Cx-50 | $78 | $168 | $2,014 |
| Audi Q5 | $79 | $188 | $2,261 |
| Subaru Legacy | $80 | $169 | $2,029 |
| Buick Envision | $81 | $162 | $1,943 |
| Chevrolet Trailblazer | $81 | $148 | $1,770 |
| Mazda Mx5 | $81 | $158 | $1,893 |
| Volkswagen Atlas | $82 | $144 | $1,732 |
| Toyota Highlander | $82 | $173 | $2,073 |
| Honda Cr-V | $83 | $168 | $2,016 |
| Ford Bronco | $84 | $161 | $1,929 |
| Kia Telluride | $84 | $178 | $2,135 |
| BMW M340xi | $84 | $332 | $3,985 |
| Lexus Rc | $84 | $164 | $1,967 |
| GMC Terrain Slt | $84 | $157 | $1,886 |
| Mazda Cx-9 | $84 | $162 | $1,945 |
| Toyota 4runner | $85 | $158 | $1,896 |
| Kia Seltos | $87 | $175 | $2,104 |
| Lexus Rx | $87 | $169 | $2,034 |
| Subaru Wrx | $87 | $177 | $2,121 |
| Mazda Cx-30 | $87 | $180 | $2,155 |
| Subaru Impreza | $87 | $164 | $1,969 |
| Mazda Cx-5 | $88 | $176 | $2,112 |
| Nissan Frontier | $88 | $162 | $1,942 |
| Porsche Macan | $88 | $257 | $3,084 |
| Hyundai Tucson | $88 | $169 | $2,024 |
| Tesla Model Y | $88 | $190 | $2,279 |
| Buick Envista | $88 | $162 | $1,947 |
| Lexus Nx | $88 | $184 | $2,204 |
| Toyota Rav4 | $88 | $165 | $1,984 |
| Nissan Murano | $89 | $169 | $2,027 |
| MINI Cooper | $90 | $171 | $2,049 |
| Jeep Gladiator | $90 | $170 | $2,039 |
| Kia Sportage | $90 | $180 | $2,158 |
| Ford Escape | $90 | $172 | $2,065 |
| GMC Terrain Sle | $90 | $160 | $1,917 |
| GMC Sierra K1500 Elevati | $91 | $176 | $2,108 |
| Ford Edge | $91 | $194 | $2,333 |
| Ford Ranger | $91 | $185 | $2,226 |
| Volkswagen Taos | $91 | $165 | $1,977 |
| Ford Explorer | $91 | $187 | $2,248 |
| Mazda Cx-3 | $91 | $171 | $2,052 |
| Nissan Pathfinder | $92 | $183 | $2,190 |
| Kia Sorento | $92 | $171 | $2,052 |
| Volkswagen Tiguan | $92 | $176 | $2,114 |
| Audi Q3 | $92 | $203 | $2,439 |
Based on Jerry customers between 18-25 years old (inclusive) with clean driving records who received state minimum coverage quotes in the past 12 months for vehicles newer than model year 2015. Lowest quotes are based on the 25th percentile of state minimum coverage quotes.
Key takeaway:For drivers ages 18 to 25, the Chrysler Pacifica is the cheapest car to insure at $62 per month, followed by the Subaru Outback.
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.
|
Make
|
Lowest quote we've found
|
Average monthly quote
|
Average annual quote
|
|---|---|---|---|
| Chevrolet Corvette | $63 | $180 | $2,163 |
| Mazda Mx5 | $64 | $130 | $1,565 |
| Subaru Brz | $76 | $157 | $1,880 |
| Toyota Supra | $78 | $246 | $2,957 |
| Chevrolet Camaro | $83 | $186 | $2,231 |
| Ford Mustang | $83 | $171 | $2,048 |
| Nissan 370z | $84 | $172 | $2,061 |
| Dodge Challenger | $87 | $165 | $1,982 |
| Toyota 86 | $95 | $185 | $2,222 |
| Toyota Gr | $96 | $195 | $2,338 |
Based on Jerry customers with clean driving records who received state minimum coverage quotes in the past 12 months for vehicles newer than model year 2015. Lowest quotes are based on the 25th percentile of state minimum coverage quotes.
Key takeaway:
The Chevrolet Corvette is the cheapest sports car to insure with quotes from $63 per month. The Mazda Mx5 follows at $64.
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.
|
Make
|
Lowest quote we've found
|
Average monthly quote
|
Average annual quote
|
|---|---|---|---|
| Honda Odyssey | $59 | $94 | $1,124 |
| GMC Terrain Slt | $62 | $96 | $1,150 |
| Toyota Sienna | $62 | $102 | $1,220 |
| Subaru Outback | $62 | $115 | $1,374 |
| Dodge Grand | $63 | $96 | $1,155 |
| Buick Enclave | $63 | $100 | $1,201 |
| Subaru Legacy | $64 | $117 | $1,399 |
| Kia Sedona | $64 | $95 | $1,140 |
| Nissan Titan | $64 | $94 | $1,130 |
| Ford Expedition | $64 | $102 | $1,227 |
| Toyota Highlander | $64 | $105 | $1,259 |
| RAM 2500 | $64 | $97 | $1,167 |
| Chrysler Pacifica | $65 | $105 | $1,261 |
| Rivian R1s | $65 | $103 | $1,230 |
| Subaru Ascent | $65 | $106 | $1,269 |
| Volkswagen Atlas | $65 | $107 | $1,283 |
| Subaru Forester | $66 | $111 | $1,333 |
| Honda Pilot | $66 | $105 | $1,254 |
| Ford Flex | $66 | $102 | $1,227 |
| GMC Sierra C1500 | $66 | $103 | $1,234 |
| Hyundai Palisade | $66 | $108 | $1,295 |
| Ford F150 Stx | $67 | $133 | $1,601 |
| Mazda Cx-90 | $67 | $112 | $1,342 |
| Chrysler 200 | $67 | $116 | $1,389 |
| GMC Terrain Sle | $67 | $108 | $1,297 |
| Chevrolet Tahoe | $67 | $100 | $1,204 |
| Audi Q5 | $67 | $139 | $1,666 |
| Kia Telluride | $67 | $110 | $1,320 |
| Toyota Rav4 | $67 | $116 | $1,397 |
| Hyundai Venue | $67 | $123 | $1,472 |
| Acura Rdx | $67 | $118 | $1,419 |
| Cadillac Xt5 | $67 | $120 | $1,445 |
| INFINITI Qx50 | $67 | $104 | $1,245 |
| Toyota 4runner | $67 | $107 | $1,282 |
| Buick Encore | $68 | $110 | $1,317 |
| Chevrolet Volt | $68 | $116 | $1,387 |
| Kia Carnival | $68 | $110 | $1,317 |
| Chevrolet Trailblazer | $68 | $113 | $1,355 |
| Ford Edge | $68 | $126 | $1,508 |
| Chevrolet Traverse | $68 | $106 | $1,273 |
| Subaru Impreza | $68 | $115 | $1,383 |
| Hyundai Veloster | $68 | $119 | $1,423 |
| Lincoln Mkz | $68 | $114 | $1,369 |
| Hyundai Santa | $68 | $112 | $1,340 |
| Honda Ridgeline | $68 | $108 | $1,301 |
| BMW X7 | $68 | $139 | $1,672 |
| Audi Q7 | $68 | $120 | $1,446 |
| Toyota Grand | $69 | $123 | $1,471 |
| GMC Sierra K1500 Elevati | $69 | $117 | $1,406 |
| Cadillac Ats | $69 | $145 | $1,738 |
Based on Jerry customers with clean driving records who received state minimum coverage quotes in the past 12 months for vehicles newer than model year 2015. Lowest quotes are based on the 25th percentile of state minimum coverage quotes.
Key takeaway: In California, the Honda Odyssey is the cheapest car to insure with quotes from $59 per month.
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.
|
Make
|
Lowest quote we've found
|
Average monthly quote
|
Average annual quote
|
|---|---|---|---|
| Subaru Outback | $45 | $71 | $847 |
| Subaru Forester | $45 | $73 | $882 |
| MINI Cooper | $47 | $85 | $1,016 |
| Subaru Crosstrek | $48 | $79 | $951 |
| Ford Maverick | $49 | $77 | $921 |
| Ford F250 Super Duty | $49 | $74 | $882 |
| Toyota Tundra | $49 | $77 | $927 |
| Chevrolet Colorado | $50 | $79 | $952 |
| Nissan Titan | $52 | $78 | $937 |
| Ford F-150 | $52 | $82 | $986 |
| Chevrolet Tahoe | $52 | $87 | $1,041 |
| Nissan Frontier | $52 | $81 | $977 |
| Acura Rdx | $52 | $97 | $1,167 |
| Buick Enclave | $53 | $84 | $1,002 |
| Ford Edge | $53 | $86 | $1,031 |
| Jeep Gladiator | $53 | $78 | $936 |
| Toyota 4runner | $53 | $87 | $1,050 |
| Honda Odyssey | $53 | $84 | $1,006 |
| RAM 1500 | $53 | $86 | $1,037 |
| Audi Q3 | $53 | $89 | $1,064 |
| Lexus Rx | $54 | $91 | $1,096 |
| Cadillac Xt5 | $54 | $90 | $1,083 |
| Buick Envision | $54 | $94 | $1,126 |
| Chevrolet Silverado | $54 | $85 | $1,023 |
| Ford Explorer | $54 | $87 | $1,039 |
| Mercedes-Benz Gle | $54 | $99 | $1,186 |
| Hyundai Palisade | $54 | $85 | $1,019 |
| Ford Bronco | $55 | $97 | $1,167 |
| Toyota Tacoma | $55 | $91 | $1,089 |
| RAM Ram | $55 | $89 | $1,069 |
| Tesla Model Y | $56 | $98 | $1,175 |
| Ford Expedition | $56 | $88 | $1,057 |
| Honda Cr-V | $56 | $94 | $1,130 |
| Volkswagen Tiguan | $56 | $93 | $1,121 |
| Mazda Cx-5 | $56 | $99 | $1,190 |
| Mazda Cx-50 | $57 | $97 | $1,167 |
| Buick Encore | $57 | $83 | $996 |
| Chrysler Pacifica | $57 | $88 | $1,060 |
| Jeep Wrangler | $57 | $91 | $1,086 |
| Ford Escape | $58 | $97 | $1,159 |
| Chevrolet Blazer | $58 | $93 | $1,120 |
| GMC Terrain Sle | $58 | $96 | $1,150 |
| Toyota Highlander | $58 | $91 | $1,093 |
| Honda Pilot | $58 | $93 | $1,117 |
| Kia Telluride | $58 | $95 | $1,142 |
| Kia Niro | $58 | $90 | $1,082 |
| Hyundai Santa | $58 | $94 | $1,134 |
| Volkswagen Atlas | $58 | $93 | $1,112 |
| Mazda Cx-30 | $58 | $102 | $1,226 |
| Lexus Nx | $58 | $99 | $1,189 |
Based on Jerry customers with clean driving records who received state minimum coverage quotes in the past 12 months for vehicles newer than model year 2015. Lowest quotes are based on the 25th percentile of state minimum coverage quotes.
Key takeaway:The Subaru Outback tops Florida’s cheapest list at $45 per month, followed by the Subaru Forester and MINI Cooper.
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.
|
Make
|
Lowest quote we've found
|
Average monthly quote
|
Average annual quote
|
|---|---|---|---|
| Ford F-150 | $64 | $108 | $1,299 |
| Honda Cr-V | $65 | $106 | $1,267 |
| Chevrolet Silverado | $65 | $113 | $1,362 |
| RAM Ram | $69 | $117 | $1,398 |
| RAM 1500 | $72 | $139 | $1,668 |
| Ford Edge | $74 | $131 | $1,566 |
| Chevrolet Blazer | $80 | $153 | $1,840 |
| Jeep Cherokee | $80 | $147 | $1,765 |
| Chevrolet Equinox | $81 | $148 | $1,780 |
| Ford Escape | $82 | $141 | $1,695 |
| Jeep Grand | $82 | $144 | $1,725 |
| Ford Explorer | $83 | $146 | $1,748 |
| Chevrolet Traverse | $83 | $143 | $1,714 |
| GMC Terrain Sle | $84 | $150 | $1,795 |
| Jeep Compass | $85 | $150 | $1,806 |
| Honda Civic | $86 | $184 | $2,208 |
| Nissan Rogue | $86 | $150 | $1,803 |
| Ford Fusion | $87 | $148 | $1,772 |
| Chevrolet Trax | $88 | $151 | $1,813 |
| Buick Encore | $88 | $158 | $1,891 |
| Chevrolet Cruze | $88 | $145 | $1,741 |
| Toyota Camry | $91 | $170 | $2,043 |
| Dodge Durango | $92 | $168 | $2,015 |
| Hyundai Elantra | $95 | $176 | $2,112 |
| Kia Forte | $97 | $166 | $1,987 |
| Nissan Altima | $103 | $180 | $2,160 |
| Chevrolet Malibu | $104 | $189 | $2,265 |
Based on Jerry customers with clean driving records who received state minimum coverage quotes in the past 12 months for vehicles newer than model year 2015. Lowest quotes are based on the 25th percentile of state minimum coverage quotes.
Key takeaway:The Ford F-150 leads Michigan’s list at $64 per month, with the Honda Cr-V close behind at $65.
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.
|
Make
|
Lowest quote we've found
|
Average monthly quote
|
Average annual quote
|
|---|---|---|---|
| Ford Bronco | $50 | $83 | $1,001 |
| Subaru Outback | $51 | $76 | $915 |
| Toyota Rav4 | $52 | $83 | $998 |
| Honda Cr-V | $55 | $83 | $991 |
| Subaru Forester | $55 | $100 | $1,198 |
| Chevrolet Trailblazer | $56 | $98 | $1,171 |
| Subaru Crosstrek | $56 | $82 | $982 |
| Tesla Model Y | $58 | $96 | $1,155 |
| Toyota Highlander | $58 | $90 | $1,083 |
| Nissan Murano | $60 | $111 | $1,338 |
| Volkswagen Tiguan | $62 | $112 | $1,341 |
| Ford Edge | $63 | $93 | $1,118 |
| Ford Explorer | $63 | $108 | $1,299 |
| Toyota Prius | $63 | $98 | $1,175 |
| Kia Seltos | $63 | $88 | $1,059 |
| Buick Encore | $64 | $96 | $1,153 |
| Hyundai Tucson | $64 | $95 | $1,136 |
| Toyota Tundra | $65 | $124 | $1,493 |
| Hyundai Kona | $65 | $100 | $1,194 |
| Kia Sportage | $66 | $102 | $1,221 |
| Hyundai Santa | $66 | $104 | $1,249 |
| Toyota Tacoma | $67 | $114 | $1,372 |
| Nissan Rogue | $67 | $101 | $1,211 |
| Ford F-150 | $67 | $114 | $1,364 |
| Kia Sorento | $67 | $99 | $1,187 |
| Nissan Pathfinder | $67 | $104 | $1,242 |
| Mazda Cx-5 | $68 | $104 | $1,249 |
| Nissan Kicks | $68 | $104 | $1,243 |
| Honda Hr-V | $69 | $108 | $1,291 |
| Ford Escape | $69 | $107 | $1,281 |
| RAM Ram | $69 | $115 | $1,378 |
| Nissan Frontier | $69 | $98 | $1,181 |
| Chevrolet Equinox | $70 | $112 | $1,346 |
| GMC Terrain Sle | $70 | $109 | $1,305 |
| Toyota Camry | $71 | $117 | $1,399 |
| Mitsubishi Outlander | $72 | $114 | $1,368 |
| Mazda 3 | $72 | $123 | $1,478 |
| Jeep Compass | $72 | $105 | $1,259 |
| Jeep Wrangler | $72 | $116 | $1,390 |
| RAM 1500 | $73 | $123 | $1,474 |
| Kia Soul | $73 | $110 | $1,324 |
| Chevrolet Silverado | $74 | $130 | $1,555 |
| Honda Accord | $74 | $124 | $1,492 |
| Chevrolet Colorado | $75 | $110 | $1,316 |
| Mazda Mazda3 | $76 | $126 | $1,511 |
| Chevrolet Trax | $76 | $114 | $1,371 |
| Jeep Renegade | $77 | $129 | $1,547 |
| Kia K5 | $77 | $126 | $1,516 |
| Nissan Versa | $77 | $129 | $1,551 |
| Honda Civic | $78 | $139 | $1,663 |
Based on Jerry customers with clean driving records who received state minimum coverage quotes in the past 12 months for vehicles newer than model year 2015. Lowest quotes are based on the 25th percentile of state minimum coverage quotes.
Key takeaway:Arizona’s cheapest car to insure is the Ford Bronco at $50 per month, followed by the Subaru Outback and Toyota Rav4.
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.
|
Make
|
Lowest quote we've found
|
Average monthly quote
|
Average annual quote
|
|---|---|---|---|
| Subaru Outback | $57 | $93 | $1,114 |
| Subaru Forester | $61 | $95 | $1,142 |
| Mazda Cx-90 | $62 | $98 | $1,176 |
| Hyundai Palisade | $62 | $96 | $1,154 |
| Kia Carnival | $64 | $92 | $1,099 |
| Subaru Crosstrek | $64 | $100 | $1,197 |
| Lexus Rx | $64 | $100 | $1,201 |
| Tesla Model Y | $65 | $112 | $1,350 |
| Honda Passport | $65 | $107 | $1,286 |
| Honda Odyssey | $65 | $96 | $1,149 |
| Lincoln Nautilus | $65 | $100 | $1,202 |
| Nissan Ariya | $65 | $121 | $1,454 |
| Toyota Grand | $65 | $100 | $1,197 |
| Kia Telluride | $66 | $111 | $1,331 |
| Toyota Sienna | $66 | $100 | $1,199 |
| GMC Acadia Denali | $66 | $102 | $1,224 |
| Honda Ridgeline | $67 | $110 | $1,319 |
| Genesis Gv70 | $68 | $107 | $1,282 |
| Honda Cr-V | $68 | $107 | $1,285 |
| Volkswagen Atlas | $68 | $110 | $1,324 |
| Audi A5 | $68 | $116 | $1,391 |
| Volvo Xc90 | $68 | $103 | $1,237 |
| Ford Bronco | $68 | $115 | $1,378 |
| Subaru Wrx | $69 | $118 | $1,414 |
| Mazda Cx-50 | $69 | $110 | $1,326 |
| Toyota Highlander | $69 | $108 | $1,301 |
| Volvo Xc60 | $70 | $106 | $1,269 |
| Ford Maverick | $70 | $115 | $1,381 |
| Volvo Xc40 | $70 | $114 | $1,373 |
| MINI Cooper | $70 | $116 | $1,394 |
| Chrysler Pacifica | $71 | $104 | $1,244 |
| Audi Q5 | $71 | $113 | $1,350 |
| Lincoln Corsair | $71 | $112 | $1,345 |
| Toyota 4runner | $71 | $119 | $1,429 |
| Volkswagen Tiguan | $71 | $116 | $1,388 |
| Cadillac Xt4 | $71 | $114 | $1,363 |
| Mazda Cx-5 | $71 | $120 | $1,438 |
| GMC Yukon Denali | $72 | $120 | $1,436 |
| Mercedes-Benz Glc | $72 | $120 | $1,438 |
| BMW X3 | $72 | $115 | $1,374 |
| Volvo S60 | $72 | $120 | $1,434 |
| Lexus Nx | $72 | $111 | $1,330 |
| Lexus Es | $72 | $115 | $1,382 |
| Kia Seltos | $72 | $125 | $1,498 |
| Buick Enclave | $72 | $113 | $1,358 |
| Ford Ranger | $72 | $136 | $1,629 |
| Chevrolet Suburban | $73 | $122 | $1,466 |
| Acura Mdx | $73 | $114 | $1,374 |
| Ford Expedition | $73 | $114 | $1,372 |
| Honda Pilot | $73 | $114 | $1,365 |
Based on Jerry customers with clean driving records who received state minimum coverage quotes in the past 12 months for vehicles newer than model year 2015. Lowest quotes are based on the 25th percentile of state minimum coverage quotes.
Key takeaway:The Subaru Outback is the cheapest car to insure in Texas at $57 per month, followed by the Subaru Forester.
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
|
Make
|
Hybrid average monthly quote
|
Gas average monthly quote
|
|---|---|---|
| Ford Escape Titanium | $283 | $262 |
| Ford Explorer Limited | $283 | $276 |
| Ford Maverick Xlt | $317 | $271 |
| Honda CR-V Touring | $273 | $253 |
| Hyundai Santa Fe Limited | $324 | $283 |
| Hyundai Tucson Limited | $322 | $297 |
| Kia Sportage Sx Prestige | $327 | $321 |
| Toyota Camry Le | $417 | $355 |
| Toyota Corolla Le | $433 | $421 |
| Toyota Sienna Le | $307 | $292 |
| Toyota Tundra Crewmax Limit | $338 | $322 |
Based on Jerry customers with clean driving records who received state minimum coverage insurance quotes for known vehicles with both hybrid and gas engine variants in the past 12 months. Savings depend on coverage, location, vehicle configuration, and other factors. Potential savings will vary.
Gas is more expensive than hybrid
|
Make
|
Hybrid average monthly quote
|
Gas average monthly quote
|
|---|---|---|
| Kia Sorento S | $292 | $300 |
| Toyota Camry Xse | $353 | $395 |
| Toyota Grand Highlander Lim | $318 | $318 |
| Volvo Xc60 Plus | $334 | $374 |
Based on Jerry customers with clean driving records who received state minimum coverage insurance quotes for known vehicles with both hybrid and gas engine variants in the past 12 months. Savings depend on coverage, location, vehicle configuration, and other factors. Potential savings will vary.
Key takeaway:Among models offered in both versions, hybrid trims usually cost more to insure than gas. The Kia Sportage Sx Prestige shows this pattern, while the Toyota Camry Xse is one exception.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.