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
|
|---|---|---|---|
| Subaru Outback | $51 | $102 | $1,225 |
| GMC Acadia At4 | $52 | $99 | $1,183 |
| Subaru Ascent | $53 | $100 | $1,206 |
| Subaru Forester | $54 | $104 | $1,250 |
| Lincoln Nautilus | $55 | $116 | $1,390 |
| Toyota Land | $55 | $104 | $1,242 |
| Chrysler Voyager | $55 | $97 | $1,165 |
| GMC Terrain Denali | $56 | $104 | $1,246 |
| GMC Acadia Denali | $56 | $104 | $1,253 |
| Ford F350 Super Duty | $56 | $110 | $1,320 |
| Honda Odyssey | $57 | $107 | $1,279 |
| Honda Ridgeline | $57 | $104 | $1,243 |
| Hyundai Palisade | $58 | $106 | $1,276 |
| Buick Lacrosse | $58 | $126 | $1,516 |
| GMC Terrain At4 | $58 | $116 | $1,397 |
| GMC Canyon Slt | $58 | $109 | $1,304 |
| Chrysler Pacifica | $58 | $105 | $1,255 |
| Ford F150 Lariat | $58 | $116 | $1,396 |
| Volvo V60 | $58 | $122 | $1,469 |
| Subaru Crosstrek | $58 | $111 | $1,333 |
| Kia Telluride | $58 | $111 | $1,328 |
| Porsche Cayman | $59 | $195 | $2,338 |
| GMC Acadia Slt | $59 | $114 | $1,364 |
| Chrysler Town | $59 | $114 | $1,367 |
| Mazda Cx-90 | $59 | $121 | $1,449 |
| Honda Passport | $59 | $112 | $1,347 |
| Ford F150 Xlt | $60 | $117 | $1,406 |
| Cadillac Xt6 | $60 | $131 | $1,566 |
| Subaru Legacy | $60 | $124 | $1,490 |
| Ford Edge | $60 | $116 | $1,388 |
| Lincoln Mkx | $60 | $120 | $1,443 |
| Lincoln Corsair | $60 | $112 | $1,346 |
| Toyota 4runner | $60 | $108 | $1,300 |
| Volkswagen Atlas | $60 | $112 | $1,343 |
| Ford Bronco | $61 | $116 | $1,387 |
| Rivian R1s | $61 | $104 | $1,253 |
| BMW X7 | $61 | $150 | $1,801 |
| GMC Terrain Slt | $61 | $114 | $1,370 |
| GMC Sierra C1500 Denali | $61 | $114 | $1,365 |
| Cadillac Xt5 | $61 | $116 | $1,387 |
| Ford Maverick | $61 | $107 | $1,287 |
| Lincoln Navigator | $61 | $134 | $1,614 |
| Toyota Sequoia | $61 | $123 | $1,476 |
| Buick Enclave | $61 | $108 | $1,299 |
| Buick Envision | $61 | $113 | $1,359 |
| GMC Canyon | $62 | $115 | $1,383 |
| Ford Expedition | $62 | $109 | $1,310 |
| Porsche Taycan | $62 | $240 | $2,880 |
| Audi Sq5 | $62 | $131 | $1,571 |
| GMC Terrain Sl | $62 | $117 | $1,401 |
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, with quotes from $51 per month. The GMC Acadia At4 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 | $106 | $271 | $3,247 |
| Hyundai Genesis | $100 | $179 | $2,144 |
| Dodge Charger | $95 | $189 | $2,267 |
| BMW 428 | $94 | $205 | $2,463 |
| Toyota Gr | $94 | $184 | $2,212 |
| Toyota 86 | $94 | $184 | $2,208 |
| INFINITI Q50 | $92 | $199 | $2,389 |
| Land Rover Range Rover Velar S | $91 | $176 | $2,115 |
| Dodge Challenger | $89 | $166 | $1,989 |
| BMW M5 | $89 | $253 | $3,041 |
| Mercedes-Benz A | $89 | $185 | $2,220 |
| BMW 740i | $89 | $239 | $2,869 |
| BMW 535i | $88 | $180 | $2,165 |
| BMW 530i | $88 | $183 | $2,201 |
| BMW M240i | $88 | $353 | $4,231 |
| BMW I5 | $88 | $163 | $1,952 |
| BMW 228 | $86 | $174 | $2,090 |
| Toyota Mirai | $86 | $306 | $3,667 |
| BMW 320i | $86 | $162 | $1,942 |
| Nissan 370z | $86 | $172 | $2,058 |
| Mitsubishi Lancer | $86 | $160 | $1,919 |
| BMW 528i | $85 | $140 | $1,684 |
| BMW 540i | $85 | $195 | $2,334 |
| Lexus Is | $85 | $171 | $2,053 |
| Ford Mustang | $85 | $171 | $2,047 |
| BMW 530e | $85 | $164 | $1,968 |
| BMW M340i | $84 | $270 | $3,235 |
| BMW 328i | $84 | $165 | $1,980 |
| Kia Cadenza | $84 | $157 | $1,882 |
| BMW 330i | $84 | $232 | $2,781 |
| Hyundai Sonata | $84 | $162 | $1,943 |
| Chrysler 300c | $83 | $148 | $1,776 |
| BMW 330xi | $83 | $235 | $2,821 |
| Hyundai Elantra | $83 | $160 | $1,924 |
| BMW 330e | $83 | $232 | $2,779 |
| Maserati Ghibli | $83 | $163 | $1,962 |
| Chevrolet Impala | $83 | $147 | $1,760 |
| Lexus Is350 | $83 | $173 | $2,078 |
| Chevrolet Camaro | $83 | $187 | $2,241 |
| Chrysler 200 | $83 | $156 | $1,868 |
| Nissan Sentra | $82 | $162 | $1,946 |
| Mercedes-Benz C | $82 | $173 | $2,076 |
| Dodge Dart | $82 | $156 | $1,870 |
| Kia K4 | $82 | $166 | $1,995 |
| Kia Optima | $82 | $152 | $1,820 |
| Toyota Corona | $82 | $137 | $1,641 |
| Hyundai Accent | $82 | $153 | $1,839 |
| Ford F150 Xl | $82 | $162 | $1,941 |
| Nissan Altima | $81 | $160 | $1,917 |
| Audi S3 | $81 | $184 | $2,209 |
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 $106 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
|
|---|---|---|---|
| Subaru Outback | $69 | $135 | $1,616 |
| Hyundai Palisade | $69 | $140 | $1,675 |
| Subaru Forester | $75 | $151 | $1,807 |
| Subaru Crosstrek | $79 | $147 | $1,761 |
| Mazda Cx-50 | $79 | $170 | $2,040 |
| Chevrolet Trailblazer | $80 | $147 | $1,765 |
| Volkswagen Atlas | $82 | $145 | $1,743 |
| Ford Bronco | $82 | $159 | $1,909 |
| Subaru Legacy | $82 | $171 | $2,047 |
| Mazda Mx5 | $83 | $161 | $1,931 |
| Kia Telluride | $84 | $177 | $2,119 |
| GMC Terrain Slt | $84 | $158 | $1,891 |
| Toyota Highlander | $84 | $178 | $2,132 |
| Mazda Cx-9 | $85 | $165 | $1,985 |
| Honda Cr-V | $85 | $168 | $2,015 |
| GMC Sierra K1500 Elevati | $86 | $164 | $1,970 |
| Buick Envision | $86 | $166 | $1,987 |
| BMW M340xi | $86 | $321 | $3,857 |
| Kia Seltos | $86 | $172 | $2,065 |
| Buick Envista | $86 | $165 | $1,983 |
| Mazda Cx-30 | $86 | $174 | $2,091 |
| Subaru Impreza | $87 | $160 | $1,917 |
| Lexus Rc | $87 | $171 | $2,051 |
| Audi Q5 | $87 | $198 | $2,374 |
| Toyota 4runner | $87 | $159 | $1,904 |
| Mazda Cx-5 | $87 | $175 | $2,100 |
| Subaru Wrx | $87 | $177 | $2,120 |
| Nissan Murano | $87 | $170 | $2,041 |
| Toyota Rav4 | $88 | $165 | $1,977 |
| MINI Cooper | $88 | $163 | $1,957 |
| Lexus Nx | $88 | $184 | $2,204 |
| Tesla Model Y | $89 | $192 | $2,305 |
| Hyundai Tucson | $89 | $169 | $2,033 |
| Audi A5 | $90 | $252 | $3,021 |
| Lexus Rx | $90 | $172 | $2,070 |
| Ford Escape | $90 | $174 | $2,093 |
| Nissan Frontier | $90 | $165 | $1,983 |
| Chevrolet Blazer | $90 | $177 | $2,127 |
| Chevrolet Corvette | $91 | $237 | $2,841 |
| Ford Explorer | $91 | $187 | $2,243 |
| Acura Rdx | $91 | $188 | $2,259 |
| Kia Sportage | $92 | $180 | $2,160 |
| GMC Terrain Sle | $92 | $162 | $1,941 |
| Volkswagen Tiguan | $92 | $173 | $2,079 |
| Ford Edge | $92 | $197 | $2,370 |
| Mercedes-Benz Glb | $92 | $195 | $2,336 |
| Nissan Pathfinder | $92 | $186 | $2,234 |
| Volkswagen Gti | $93 | $184 | $2,212 |
| Mazda Cx-3 | $93 | $178 | $2,135 |
| Toyota C-Hr | $93 | $178 | $2,136 |
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 Subaru Outback is the cheapest car to insure at $69 per month, followed by the Hyundai Palisade.
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 | $64 | $178 | $2,130 |
| Mazda Mx5 | $66 | $132 | $1,587 |
| Toyota Supra | $76 | $250 | $3,000 |
| Subaru Brz | $80 | $163 | $1,957 |
| Chevrolet Camaro | $83 | $187 | $2,241 |
| Nissan 370z | $86 | $172 | $2,058 |
| Ford Mustang | $86 | $171 | $2,047 |
| Dodge Challenger | $90 | $166 | $1,989 |
| Toyota 86 | $94 | $184 | $2,208 |
| Toyota Gr | $97 | $192 | $2,303 |
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 $64 per month. The Mazda Mx5 follows at $66.
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 | $57 | $91 | $1,093 |
| GMC Terrain Slt | $61 | $94 | $1,126 |
| Dodge Grand | $62 | $92 | $1,107 |
| Subaru Outback | $62 | $112 | $1,342 |
| Toyota Sienna | $62 | $100 | $1,200 |
| Subaru Legacy | $63 | $116 | $1,390 |
| Buick Enclave | $63 | $97 | $1,164 |
| Rivian R1s | $63 | $102 | $1,220 |
| Chrysler Pacifica | $63 | $103 | $1,238 |
| Kia Sedona | $64 | $93 | $1,117 |
| Subaru Ascent | $64 | $104 | $1,251 |
| Toyota Highlander | $64 | $103 | $1,234 |
| Subaru Forester | $64 | $108 | $1,295 |
| RAM 2500 | $65 | $98 | $1,172 |
| Nissan Titan | $65 | $94 | $1,133 |
| Volkswagen Atlas | $65 | $106 | $1,274 |
| Ford Expedition | $65 | $102 | $1,226 |
| Hyundai Palisade | $65 | $104 | $1,249 |
| GMC Sierra C1500 | $65 | $100 | $1,198 |
| Mazda Cx-90 | $66 | $108 | $1,301 |
| Audi Q5 | $66 | $137 | $1,639 |
| Honda Pilot | $66 | $102 | $1,230 |
| Ford Flex | $66 | $101 | $1,213 |
| Chevrolet Tahoe | $66 | $100 | $1,205 |
| Hyundai Venue | $67 | $122 | $1,459 |
| Toyota 4runner | $67 | $105 | $1,257 |
| INFINITI Qx50 | $67 | $102 | $1,222 |
| Cadillac Xt5 | $67 | $117 | $1,403 |
| Kia Telluride | $67 | $107 | $1,289 |
| Chrysler 200 | $67 | $112 | $1,339 |
| GMC Terrain Sle | $67 | $108 | $1,298 |
| Audi Q7 | $67 | $111 | $1,330 |
| Chevrolet Traverse | $67 | $105 | $1,261 |
| Chevrolet Volt | $68 | $115 | $1,384 |
| Toyota Rav4 | $68 | $115 | $1,382 |
| Subaru Impreza | $68 | $111 | $1,337 |
| Acura Rdx | $68 | $116 | $1,393 |
| Buick Encore | $68 | $111 | $1,328 |
| Chevrolet Corvette | $68 | $237 | $2,850 |
| Chevrolet Trailblazer | $68 | $113 | $1,360 |
| Hyundai Santa | $68 | $110 | $1,326 |
| Chevrolet Equinox | $68 | $112 | $1,347 |
| Honda Ridgeline | $68 | $107 | $1,281 |
| Ford Edge | $68 | $124 | $1,489 |
| Ford F150 Stx | $68 | $134 | $1,604 |
| Hyundai Veloster | $68 | $117 | $1,410 |
| Subaru Crosstrek | $68 | $117 | $1,401 |
| BMW X7 | $68 | $140 | $1,676 |
| GMC Sierra K1500 Elevati | $68 | $114 | $1,362 |
| Honda Cr-V | $68 | $121 | $1,456 |
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 $57 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 Forester | $46 | $76 | $912 |
| Subaru Outback | $48 | $74 | $887 |
| Ford Maverick | $50 | $80 | $956 |
| Subaru Crosstrek | $50 | $80 | $961 |
| Ford F250 Super Duty | $50 | $74 | $894 |
| Toyota Tundra | $51 | $79 | $950 |
| Chevrolet Colorado | $52 | $84 | $1,006 |
| Ford F-150 | $52 | $84 | $1,004 |
| Nissan Titan | $53 | $81 | $978 |
| RAM 1500 | $54 | $88 | $1,055 |
| Jeep Gladiator | $54 | $82 | $990 |
| Buick Enclave | $54 | $84 | $1,006 |
| Cadillac Xt5 | $54 | $92 | $1,104 |
| Nissan Frontier | $55 | $84 | $1,007 |
| Honda Odyssey | $55 | $85 | $1,025 |
| Chevrolet Silverado | $55 | $86 | $1,036 |
| Ford Edge | $55 | $88 | $1,054 |
| Lexus Rx | $56 | $96 | $1,149 |
| Toyota Tacoma | $56 | $92 | $1,100 |
| Mercedes-Benz Gle | $56 | $100 | $1,196 |
| Buick Envision | $56 | $99 | $1,184 |
| Ford Explorer | $56 | $89 | $1,069 |
| RAM Ram | $56 | $90 | $1,083 |
| Ford Expedition | $56 | $89 | $1,073 |
| Audi Q3 | $56 | $92 | $1,108 |
| Tesla Model Y | $57 | $98 | $1,181 |
| Hyundai Palisade | $57 | $87 | $1,040 |
| Ford Bronco | $57 | $100 | $1,197 |
| Mazda Cx-50 | $57 | $98 | $1,179 |
| Acura Rdx | $57 | $104 | $1,253 |
| Volkswagen Tiguan | $58 | $95 | $1,143 |
| Chevrolet Blazer | $58 | $94 | $1,126 |
| Toyota 4runner | $58 | $95 | $1,135 |
| GMC Terrain Sle | $58 | $95 | $1,136 |
| Honda Pilot | $58 | $93 | $1,114 |
| Mazda Cx-5 | $58 | $102 | $1,228 |
| Buick Encore | $58 | $85 | $1,021 |
| Jeep Wrangler | $58 | $93 | $1,113 |
| Volkswagen Atlas | $58 | $92 | $1,106 |
| Chrysler Pacifica | $58 | $91 | $1,086 |
| Honda Cr-V | $58 | $97 | $1,163 |
| Kia Niro | $58 | $90 | $1,086 |
| Kia Telluride | $59 | $97 | $1,168 |
| Toyota Highlander | $59 | $92 | $1,108 |
| Hyundai Santa | $59 | $96 | $1,154 |
| Mazda Cx-30 | $59 | $103 | $1,232 |
| Ford Escape | $60 | $100 | $1,204 |
| Audi Q5 | $60 | $94 | $1,131 |
| Jeep Cherokee | $60 | $97 | $1,163 |
| Jeep Grand | $60 | $102 | $1,230 |
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 Forester tops Florida’s cheapest list at $46 per month, followed by the Subaru Outback and Ford Maverick.
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
|
|---|---|---|---|
| Honda Cr-V | $65 | $105 | $1,261 |
| Ford F-150 | $67 | $110 | $1,326 |
| Chevrolet Silverado | $68 | $116 | $1,397 |
| RAM Ram | $70 | $118 | $1,420 |
| Ford Edge | $74 | $133 | $1,594 |
| RAM 1500 | $75 | $144 | $1,723 |
| Jeep Cherokee | $81 | $149 | $1,791 |
| Chevrolet Equinox | $83 | $150 | $1,797 |
| Ford Escape | $83 | $145 | $1,734 |
| Chevrolet Blazer | $83 | $157 | $1,886 |
| Chevrolet Traverse | $84 | $144 | $1,724 |
| Ford Explorer | $85 | $149 | $1,786 |
| GMC Terrain Sle | $86 | $152 | $1,820 |
| Honda Civic | $87 | $190 | $2,278 |
| Jeep Compass | $87 | $154 | $1,846 |
| Nissan Rogue | $87 | $152 | $1,827 |
| Jeep Grand | $87 | $152 | $1,819 |
| Ford Fusion | $87 | $147 | $1,758 |
| Buick Encore | $88 | $159 | $1,909 |
| Chevrolet Trax | $90 | $154 | $1,850 |
| Chevrolet Cruze | $91 | $152 | $1,830 |
| Dodge Durango | $92 | $171 | $2,051 |
| Toyota Camry | $93 | $177 | $2,118 |
| Dodge Journey | $95 | $169 | $2,026 |
| Hyundai Elantra | $97 | $179 | $2,142 |
| Nissan Altima | $105 | $182 | $2,188 |
| Chevrolet Malibu | $107 | $193 | $2,313 |
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 Honda Cr-V leads Michigan’s list at $65 per month, with the Ford F-150 close behind at $67.
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
|
|---|---|---|---|
| Subaru Outback | $51 | $78 | $935 |
| Ford Bronco | $51 | $85 | $1,014 |
| Toyota Rav4 | $53 | $85 | $1,021 |
| Honda Cr-V | $57 | $85 | $1,015 |
| Honda Pilot | $57 | $90 | $1,075 |
| Subaru Forester | $57 | $101 | $1,213 |
| Tesla Model Y | $58 | $95 | $1,136 |
| Toyota Highlander | $60 | $91 | $1,095 |
| Subaru Crosstrek | $60 | $87 | $1,041 |
| Volkswagen Tiguan | $63 | $112 | $1,339 |
| Buick Encore | $63 | $97 | $1,165 |
| Dodge Grand | $63 | $94 | $1,128 |
| Kia Seltos | $64 | $88 | $1,055 |
| Ford Explorer | $64 | $110 | $1,319 |
| Hyundai Tucson | $64 | $95 | $1,135 |
| Ford Edge | $64 | $94 | $1,133 |
| Hyundai Santa | $65 | $103 | $1,238 |
| Nissan Murano | $66 | $116 | $1,388 |
| Toyota Tacoma | $66 | $112 | $1,339 |
| Toyota Prius | $66 | $100 | $1,198 |
| Nissan Pathfinder | $66 | $102 | $1,223 |
| Toyota Tundra | $66 | $127 | $1,519 |
| Hyundai Kona | $66 | $102 | $1,221 |
| Kia Sorento | $67 | $98 | $1,179 |
| Kia Sportage | $67 | $103 | $1,234 |
| Nissan Rogue | $68 | $101 | $1,208 |
| Mazda Cx-5 | $68 | $109 | $1,306 |
| Nissan Kicks | $68 | $103 | $1,237 |
| RAM Ram | $69 | $116 | $1,392 |
| Ford F-150 | $69 | $115 | $1,375 |
| Honda Hr-V | $70 | $105 | $1,262 |
| Ford Escape | $70 | $108 | $1,295 |
| Chevrolet Equinox | $70 | $112 | $1,341 |
| Toyota Camry | $72 | $118 | $1,414 |
| Mazda 3 | $72 | $123 | $1,473 |
| Jeep Wrangler | $73 | $117 | $1,401 |
| Chevrolet Silverado | $73 | $126 | $1,514 |
| RAM 1500 | $73 | $122 | $1,459 |
| Honda Accord | $73 | $125 | $1,505 |
| GMC Terrain Sle | $73 | $109 | $1,310 |
| Jeep Compass | $73 | $108 | $1,294 |
| Nissan Frontier | $73 | $103 | $1,232 |
| Kia Soul | $73 | $112 | $1,339 |
| Mitsubishi Outlander | $74 | $114 | $1,373 |
| Chevrolet Colorado | $74 | $109 | $1,313 |
| Mazda Mazda3 | $76 | $125 | $1,506 |
| Chevrolet Traverse | $77 | $115 | $1,386 |
| Honda Civic | $77 | $139 | $1,669 |
| Jeep Renegade | $77 | $131 | $1,568 |
| Chevrolet Trax | $78 | $114 | $1,368 |
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 Subaru Outback at $51 per month, followed by the Ford Bronco 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 | $58 | $94 | $1,129 |
| Subaru Ascent | $61 | $92 | $1,101 |
| Subaru Forester | $61 | $94 | $1,130 |
| Mazda Cx-90 | $62 | $99 | $1,183 |
| Subaru Crosstrek | $63 | $100 | $1,199 |
| Hyundai Palisade | $64 | $98 | $1,173 |
| Lexus Rx | $64 | $101 | $1,211 |
| Kia Carnival | $65 | $93 | $1,113 |
| Tesla Model Y | $65 | $115 | $1,374 |
| Lincoln Nautilus | $65 | $103 | $1,240 |
| Toyota Grand | $66 | $102 | $1,222 |
| Honda Odyssey | $66 | $97 | $1,163 |
| Kia Telluride | $66 | $112 | $1,349 |
| Honda Passport | $67 | $106 | $1,273 |
| Toyota Sienna | $67 | $101 | $1,215 |
| GMC Acadia Denali | $67 | $103 | $1,235 |
| Volkswagen Atlas | $68 | $110 | $1,315 |
| Audi A5 | $68 | $115 | $1,381 |
| Volvo Xc90 | $68 | $103 | $1,234 |
| Volvo Xc60 | $68 | $105 | $1,255 |
| Nissan Ariya | $68 | $122 | $1,469 |
| Toyota Highlander | $68 | $109 | $1,304 |
| Mazda Cx-50 | $69 | $109 | $1,309 |
| Subaru Wrx | $70 | $121 | $1,458 |
| Honda Cr-V | $70 | $109 | $1,304 |
| Ford Maverick | $70 | $115 | $1,377 |
| Audi Q5 | $70 | $113 | $1,353 |
| Chrysler Pacifica | $70 | $104 | $1,244 |
| MINI Cooper | $71 | $116 | $1,395 |
| Ford Bronco | $71 | $118 | $1,411 |
| Toyota 4runner | $71 | $120 | $1,434 |
| GMC Yukon Denali | $71 | $120 | $1,445 |
| Lexus Es | $71 | $112 | $1,344 |
| Honda Ridgeline | $72 | $116 | $1,387 |
| Chevrolet Suburban | $72 | $117 | $1,401 |
| Volvo Xc40 | $72 | $116 | $1,395 |
| Ford Expedition | $72 | $115 | $1,379 |
| Cadillac Xt4 | $72 | $115 | $1,384 |
| Lexus Nx | $72 | $112 | $1,341 |
| Volkswagen Tiguan | $73 | $116 | $1,390 |
| Audi Q7 | $73 | $117 | $1,403 |
| BMW X3 | $73 | $115 | $1,385 |
| Mazda Cx-5 | $73 | $119 | $1,429 |
| Chevrolet Corvette | $73 | $148 | $1,781 |
| Ford Ranger | $73 | $137 | $1,647 |
| Mercedes-Benz Glc | $73 | $122 | $1,458 |
| Acura Mdx | $73 | $116 | $1,389 |
| Kia Seltos | $74 | $127 | $1,526 |
| BMW X5 | $74 | $119 | $1,424 |
| Volvo S60 | $74 | $123 | $1,481 |
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 $58 per month, followed by the Subaru Ascent.
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 | $277 | $266 |
| Ford Explorer Limited | $288 | $281 |
| Ford Maverick Xlt | $324 | $278 |
| Honda CR-V Touring | $278 | $259 |
| Hyundai Santa Fe Limited | $295 | $288 |
| Hyundai Tucson Limited | $328 | $299 |
| Kia Sportage Sx Prestige | $329 | $328 |
| Toyota Camry Le | $419 | $364 |
| Toyota Corolla Le | $434 | $422 |
| Toyota Sienna Le | $319 | $306 |
| Toyota Tundra Crewmax Limit | $342 | $324 |
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 | $293 | $303 |
| Toyota Camry Xse | $372 | $398 |
| Volvo Xc60 Plus | $336 | $375 |
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.