The 10 Cheapest Cars to Insure (2020)
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- Which Brands Are the Least Expensive Cars to Insure?
- The Cheapest Cars to Insure
You signed on the bottom line and became the proud owner of a new car. Or maybe you’re in the thick of your vehicle search right now. One aspect of car ownership that’s often overlooked when you’re choosing the right car is car insurance costs. You’ve done your best to stay within budget for your payments, but have you completely forgotten about car insurance rates?
If you’re in the market for a car today, be mindful of what it’s going to cost you to make it legal to drive. And remember, even cheap car insurance is an annual cost, so it makes sense to add it as a personal budget line item.
Which Brands Are the Least Expensive Cars to Insure?
It’s tricky to determine accurately which brands have the lowest auto insurance policy rates. While some of it depends on the vehicle make and model, higher rates are mostly based on the driver’s age, driving record, and risk rating for the insurance companies.
However, two things can be attributed to cars with lower insurance rates: they’re not high-end luxury cars or sports cars that would cost a small fortune to repair, and they’re always among the safest cars on the road, often featuring top line safety features. If you’re putting names to it, think Honda, Mazda, Hyundai, Subaru, and even Jeep. And to get the best rates, keep the car model to the cheapest trim level too.
The Cheapest Cars to Insure
You’re most likely to get the lowest auto insurance rates if you have a short commute, a $500 collision deductible, and a clean driving record. With those factors already working to your advantage, these are the cheapest cars to insure this year.
10. Honda HR-V LX – $1,377
Honda’s subcompact Honda HR-V is a sporty, fun-to-drive, and relatively spartan SUV. Its four-cylinder engine isn’t winning any races, though, with a 0-to-60 mph time of 8.6 seconds. However, the HR-V is comfortable and quiet, and makes you feel more confident and stable than in a sedan.
9. Jeep Renegade Sport – $1,374
The baby Jeep is a great choice to keep your insurance costs lower, no doubt. The entry point into the iconic brand is the Jeep Renegade Sport, and its low insurance pricing can be attributed to amazing safety tech for the cost, plus the stability and confidence you get from driving a Jeep SUV. Adaptive Speed Control, Blind Spot and Cross-Path Detection, Lane Departure Warning, and Park & Unpark Assist are all available on even the lowest trim level.
8. Mazda CX-5 – $1,374
With a sexy snarl up front and a well-appointed and comfy interior, you wouldn’t expect the Mazda CX-5 to be one of the cheapest cars to insure. But it is, and it’s due in large part to an excellent safety rating. Mazda’s i-Activsense systems are standard and include Rear Cross Traffic Alert and Blind Spot Monitoring, plus its excellent handling means you can avoid more mishaps.
7. Subaru Forester 2.5L – $1,373
Honestly, the standard Symmetrical AWD is one of the most impressive things about the Subaru Forester, and it’s also one of the top reasons for being named an IIHS 2020 Top Safety Pick + recipient. With that, standard DriverFocus technology, and its suite of EyeSight Driver Assist tech, it’s a wonder the Forester gets in any collisions at all. Because of its low risk, the Forester also has extremely low rates to insure.
6. Honda Odyssey LX – $1,353
Maybe owning a minivan isn’t at the top of your list, but it is excellent both for a family and for a utility vehicle. An absolutely massive interior and its 280-hp V6 engine make up for the minivan style, but don’t put away those dad shoes yet. What really solidifies the Honda Odyssey LX’s position on the list is standard Honda Sensing Suite technologies, and a step up one trim level to the EX even adds Blind Spot Information System.
5. Fiat 500X Pop – $1,336
There aren’t too many compact vehicles that fit into this low-cost insurance list, but the Fiat 500X Pop certainly earned it. Much of it is due to the standard AWD system that helps keep the Fiat 500X planted on the road and moving where you point the steering wheel. Further reducing the risk are seven airbags and available rear park assist.
4. Subaru Outback 2.5L – $1,335
Symmetrical AWD, EyeSight Driver Assist tech, nearly nine inches of ground clearance, and excellent ratings from the IIHS are all reasons the Subaru Outback is such a low risk for accident claims. And as we know, that means lower insurance premiums. Even the entry-level trim is packed with features, though, like Apple CarPlay and Android Auto, and a Rear Vision Camera
3. Jeep Wrangler Sport S – $1,334
It might surprise you that an extremely capable off-road SUV gets into third place. But the insurance rate accounts mostly for competent, safe operators on the road, so it remains quite competitively priced. Of course, the integrated roll cage, available driver-assist tech, and the low cost of collision repairs all help the Jeep Wrangler Sport S remain a low-cost vehicle to insure.
2. Honda CR-V LX – $1,333
The Honda CR-V LX isn’t the lowest-priced in the lineup, but it did rank in second for the cheapest cars to insure. That’s because of Honda’s standard driver-assist tech that now includes Lane Departure Warning with Steering Assist, Forward Collision Warning, and Automatic Emergency Braking. To get the lowest insurance, you have to leave behind some of the popular features including AWD, leather upholstery, and the high-end Display Audio system, but it’s a brilliantly safe vehicle.
1. Mazda CX-3 Sport – $1,324
Is the Mazda CX-3 the vehicle you were expecting to top the list? It’s a 2020 IIHS Top Safety Pick+, handles like a dream with SKYACTIV-VEHICLE DYNAMICS, and can be bought with FWD or AWD. Systems like Advanced Smart City Brake Support with Pedestrian Detection and Mazda Radar Cruise Control with Stop & Go are key to its superior safety rating, helping lower the risk of a collision.