Cheapest Car Brands to Insure

Some brands and body styles tend to have lower insurance premiums than others, according to data from Insurify

Keith Barry, Consumer Reports Senior Autos Reporter.

By Keith Barry
Senior Autos Reporter

Updated February 23, 2026

A photo graphic that includes images of a steering wheel, car tire, car, and stacks of coins. — Choosing the right car can lead to big savings on your insurance bill.

Budgeting for a car isn’t just about monthly payments. Other expenses, such as maintenance, repair, and insurance costs, can add up to a significant chunk of change. One way to save money is by choosing a car with a low insurance premium, which could keep thousands of dollars in your pocket.

In this article

Cheapest Car Brands to Insure
What Factors Affect Car Insurance Premiums?
Most Expensive Car Brands to Insure

Cheapest Car Brands to Insure

Brand	Average Annual Premium
Fiat	$1,839
Subaru	$1,914
Mini	$1,980
Buick	$2,060
GMC	$2,117
Jeep	$2,139
Ford	$2,156
Chevrolet	$2,159
Mazda	$2,185
Volvo	$2,230

"Getting insurance quotes on a few different models before buying is a smart move, since vehicles with stronger safety ratings, proven reliability, and anti-theft features typically cost less to insure,” Robert Lee, a spokesman from Erie Insurance, told CR. “Comparing rates helps you understand potential cost differences up front and make a more informed decision.”

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Cheapest Car Types to Insure

In addition, the style of car you drive—sedan, hatchback, SUV, pickup truck—also influences insurance premiums. According to Insurify, trucks have lower premiums than sedans and SUVs, and sedans have the highest premiums. Although all vehicle types are represented in the list of cheapest cars to insure, Insurify says the average truck costs about 16 percent less to insure than the average sedan.

What Factors Affect Car Insurance Premiums?

To determine how much you pay for car insurance, insurers take into account your driving record, age, location, credit score, and the kind of car you drive. Features such as automatic emergency braking (AEB) or good crash test ratings, which are proven to reduce injuries, tend to cost less to insure. By comparison, sports cars that tend to be involved in higher-speed crashes, luxury cars that are expensive to repair, or vehicles that are more likely to be stolen tend to cost more to insure.

Generally, brands that emphasize luxury and performance tend to be more expensive to insure than mainstream brands. However, there are some exceptions. For example, although Chevrolet is a brand with low overall insurance costs, its Camaro sports car has some of the most expensive monthly premiums of any vehicle.

“If your vehicle is relatively cheap and gets totaled, it will cost your insurer less to replace it than a more expensive model,” says Matt Brannon, a data journalist at Insurify.

That’s why we recommend that you call your insurance company and get a quote for how much it will cost to insure before you make a purchase.

Most Expensive Car Brands to Insure

Brand	Average Annual Premium
Tesla	$4,071
Alfa Romeo	$3,272
Genesis	$3,151
Jaguar	$3,041
BMW	$2,969
Infiniti	$2,955
Mercedes-Benz	$2,952
Land Rover	$2,928
Audi	$2,861
Porsche	$2,813

More on Car Insurance

• CR’s Car Insurance Ratings & Buying Guide
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• How to Lower Your Car Insurance Rates
• Best Car Insurance Companies for Seniors
• Everything You Need to Know About Teen Car Insurance
• Proven Ways to Save on Car Insurance Even If You’re a Safe Driver
• How to Keep Your Car From Getting Stolen
• How to Prevent Catalytic Converter Theft

Keith Barry

Keith Barry has been an auto reporter at Consumer Reports since 2018. He focuses on safety, technology, and the environmental impact of cars. Previously, he led home and appliance coverage at Reviewed; reported on cars for USA Today, Wired, and Car & Driver; and wrote for other publications as well. Keith earned a master’s degree in public health from Tufts University. Follow him on BlueSky @itskeithbarry.bsky.social.