The Cheapest Cars to Insure in 2024

Some of the cheapest vehicle models to insure include the Subaru Outback, the Subaru Forester, and the Honda CR-V
Written by Liz Jenson
Edited by Sarah Gray
When it comes to cheap
car insurance
, our expert research indicates that vehicles with great safety features, excellent safety ratings, and low repair and replacement costs are among the cheapest to insure.

The top 10 cheapest cars to insure

When it comes to cheap car insurance, drivers have had luck with
, and
brand vehicles. This is especially true of vehicles that have good safety ratings and safety features, and relatively low repair and replacement costs. 
That being said, these definitely aren’t your only options if you’re looking for a vehicle that’s typically cheaper to insure. These are the top 10 cars that are the cheapest to insure in 2024.
Vehicle make/model
Starting MSRP
Average insurance rate

The cheapest cars to insure by vehicle type

The type of car you drive can have a huge impact on your car insurance rates.
, for example, are much cheaper to insure than
sports cars
luxury vehicles

The cheapest SUVs to insure

The following are the top five cheapest SUVs to insure in 2024:
SUV make/model
Starting MSRP
Average monthly rate

The cheapest sedans and hatchbacks to insure

Sedans are sometimes more expensive to insure than SUVs, but they don’t have to be. Here are the cheapest sedan and hatchback car models to insure in 2024.
Sedan make/model
Starting MSRP
Average insurance rate

The cheapest trucks to insure

Trucks are often expensive to repair and replace, making them expensive to insure, too. However, these five trucks have some of the lowest insurance costs for this type of vehicle in 2024.
Truck make/model
Starting MSRP
Average insurance rate

Why aren’t all cars this cheap to insure?

​​There are a few things that cause insurance companies to charge higher premiums for vehicles, including:
  • Safety ratings: The safer your car is, the less likely you are to get into a serious accident. Check the list of Top Safety Picks by the
    Insurance Institute for Highway Safety (IIHS)
    and vehicle safety ratings by the
    National Highway Traffic Safety Administration (NHTSA)
    for more information about your vehicle’s safety ratings.
  • High repair costs and replacement costs: If it will be expensive for your car insurance provider to repair or replace your vehicle after an accident, you’ll see higher insurance premiums. This is especially true if you drive an expensive car, like a luxury car or any
  • High theft rates: Expensive vehicles may have higher theft rates, leading to expensive comprehensive insurance quotes. However, some types of vehicles—like Kias—see more thefts than others1. These cars will generally be more expensive to insure to compensate for this increased risk.
  • New cars: A year-old vehicle will typically be much more expensive to insure than an
    older car
    . This is partially true because of high repair and replacement costs, but new cars may also require additional types of coverage, like gap insurance.
  • High claims rates: Vehicles that are frequently the subject of insurance claims will be more expensive to insure. Sports cars, for example, will see higher rates because sports car drivers are more likely to get into an accident than, say, minivan drivers2.

Other factors that influence car insurance rates

Your car isn’t the only factor that impacts your auto insurance premiums. Your car insurance company will also consider, among other things:
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How do you lower car insurance premiums when you drive a luxury car?

You can lower the cost of car insurance for your luxury vehicle by improving your credit, checking for
bundling your policies
, raising your
, or shopping around for a new, more affordable insurance policy.

How do you get cheap full coverage car insurance quotes?

If you’re looking for affordable
full coverage
, try using a comparison tool like Jerry to compare quotes from several providers at once. This allows you to find the best car insurance companies for your needs without the headache of collecting quotes yourself.

What is the cheapest car insurance you can possibly get?

The cheapest car insurance that you can buy while still being within the bounds of state law is state minimum insurance, which includes
liability coverage
(usually both
bodily injury liability
property damage liability
). Depending on where you live, you may also need
, or other types of insurance, too.

Meet our experts

Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

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