Best Cars with the Lowest Insurance Costs

It’s a great idea to also check the insurance rate alongside the safety features, reliability, mileage, etc. of a car. Insurance is a big expense to pay every year for most people. So, knowing about the insurance rate of the cars will make it easier for you to adjust your budget accordingly. The insurance cost of the car is affected by many things, including safety, desirability, performance, and value.

SUVs and minivans have lower yearly insurance costs on average.On the other hand, large sedans are the most expensive cars to insure. A thumb rule for you to remember here is that cars with poor safety records, high repair costs, and fewer anti-theft features usually have high insurance as compared to other vehicles.

Consider yourself a smart shopper if you also check the insurance of the car alongside the features of a car because most buyers do not. Today we have made a list of the six cheapest cars to insure, along with their specs and features, to make it easier for you to choose. All the cars listed below will cost you less than $2,000 annually.

Best Cars with the Lowest Insurance Costs

1. Subaru Outback (about $1,336 annually)

The Subaru Outback is a mid-size five-seater wagon. It’s inspired by an SUV in styling. It has powerful engine options: a 2.5-liter four-cylinder engine with the capability of producing 182 horsepower or a 2.4-liter four-cylinder engine that can make 260 horsepower. Both of these engines are paired with a continuously variable automatic transmission. The all-wheel-drive feature is also standard in both of them.

Adaptive headlights, seat belt reminders for both front and rear seats, and a rear-seat reminder are some of the new features added to the Subaru Outback.

In addition to that, some of the most important features of the Outback are a standard 7-inch touchscreen multimedia system with the option of an Android Auto smartphone and Apple CarPlay, a ground clearance of 8.7 inches, collision warning with emergency braking, cruise control, blind-spot warning, reverse automatic braking, rear cross-traffic alert, and steering assist.


  • It has exceptional value.
  • It has a spacious and quiet interior.
  • It offers a comfortable ride.
  • It has excellent fuel economy.
  • Most of the safety features are standard.


  • It has a very long and overhanging front that rubs during off-roading.
  • The lane departure warning is very inconsistent.
  • You will have to spend some more cash on Blind Spot Warning.

2. Subaru Forester (about $1,347 annually)

The Subaru Forester is a compact SUV. It’s a blend of utility, practicality, and comfort. Forester comes with standard all-wheel drive and has a powerful 2.5-liter 4-cylinder engine with the ability to make 182 horsepower.

Some of its notable features are a ground clearance of 8.7 inches, standard lane-centering steering, high beam assist (now standard), and steering-responsive headlights. It has an EPA-estimated gas mileage of 26 mpg in the city and 33 mpg on the highway, and when combined, it becomes 29 mpg.


  • It has a comfortable ride and good handling.
  • It has excellent crash-test ratings.
  • It offers comfortable front as well as rear seats.
  • It has a spacious interior.
  • Its outward visibility is exceptional.


  • Due to the wind, there is road noise on the highway.
  • The cabin storage is very small.
  • The screen graphics are dated.
  • The base trim has plastic wheel covers.

3. Honda CR-V (about $1,359 annually)

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Honda entered the compact SUV class with this CR-V. The Honda CR-V comes standard with all-wheel drive or front-wheel drive, with the option of hybrid or conventional powertrains. A powerful turbocharged 1.5-liter four-cylinder engine with 190 horsepower is available in the gas-only version.

On the other hand, the hybrid version has a 2.0-liter four-cylinder engine and two electric motors. It has the capability of producing 212 horsepower. The Nissan Rogue, Subaru Forester, and Toyota RAV4 are some of its competitors.

Some of the important features of the Honda CR-V include a standard 5-inch display screen, an optional 7-inch touchscreen, forward collision warning, lane-keeping assist, automatic high beam headlights, adaptive cruise control, automatic emergency braking, and automatic climate control on all trim levels.


  • It has a large cargo area.
  • It has a roomy backseat with enough legroom for taller adults.
  • It offers reasonable gas mileage, especially in the hybrid version.
  • excellent interior quality


  • It has good off-the-line acceleration.
  • It offers a small touchscreen size.
  • It has no panoramic moonroof.
  • There is no 360-degree camera system.

4. Jeep Wrangler (about $1,406 annually)

The Jeep Wrangler is an SUV available with two or four wheels. The one with two doors has the capacity to seat four people, while the one with four doors can seat five people. A standard Wrangler comes with a 3.6-liter V6 engine with the ability to produce 285 horsepower.

This engine pairs with a six-speed manual transmission, while the eight-speed automatic transmission is also available. In addition to that, there is also an option for the 2.0-liter turbocharged four-cylinder engine, which has a horsepower of 270 and delivers a torque of 295 lb-ft. Finally, the last option is a plug-in hybrid drivetrain that has a horsepower of 375 and can travel 25 miles on electric power.

Some of the important standard features of the Jeep Wrangler include four-wheel drive, cruise control, cloth seats, a folding soft top, and a push-start button.


  • You can easily remove the doors, top, and windshield.
  • You have the option of a range of powertrains.
  • The power sliding top is also available.
  • The Jeep Wrangler offers excellent off-road capability.
  • The road handling of the Jeep Wrangler is very smooth.
  • It offers a traditional Jeep style.


  • The base price is very expensive.
  • The LED headlights are not available on the standard model.
  • Fuel economy is not very good.

5. Hyundai Tucson (about $1,406 annually)

This five-seat compact SUV is available in six trim levels: Limited, Ultimate, SE, Value, SEL, and Sport. The base engine of the Hyundai Tucson is a 2.0-liter 4-cylinder engine that can produce 161 horsepower. There is also the option of a 2.4-liter, 4-cylinder engine with the capability of making 181 horsepower.

Both of these engines are paired with a six-speed automatic transmission. Some of its standard features include 17-inch alloy wheels, automatic emergency braking, a 7-inch touchscreen multimedia system, a folding, reclining backseat, and a 60/40 split.

Some of the optional features include: an infinity premium stereo, a panoramic moonroof, LED headlights, a hands-free power liftgate, a 360-degree camera system, leather upholstery, adaptive cruise control, heated rear and front seats, and ventilated front seats.


  • It has a quiet cabin.
  • It provides a smooth ride.
  • Available in six trims
  • Offers a camera with a view of 360-degree


  • The base engine of 2.0 liters is low on power.
  • The gas mileage offered by the Hyundai Tucson is mediocre.
  • The images taken by the camera don’t have good quality.
  • The optional 2.4-liter engine is very noisy.

6. Honda Pilot (about $1,442 annually)

The Honda Pilot is an SUV with a capacity of seating eight people. A powerful 3.5-liter V6 engine capable of producing 280 horsepower.It has a 9-speed automatic transmission. The Honda Pilot is available with all-wheel drive or front-wheel drive. Some of the competitors of the Honda Pilot include the Kia Telluride, the Chevrolet Traverse, the Ford Explorer, and the Toyota Highlander.

The standard features of the Honda Pilot include an 18-inch alloy wheel, front-wheel drive, a 5-inch multimedia screen, seating for eight people, and a sensing suite of active safety features.

Optional features include front and rear parking sensors, an 8-inch multimedia screen, a rear-seat entertainment system, heated front seats, a power moonroof, Apple CarPlay, and Android Auto smartphone connectivity.

This car offers eight trim levels: LX, EX, EX-L, Special Edition, Touring 8-Passengers, Touring 7-Passengers, Elite, and Black Edition. It gives a combined gas mileage of 23 mpg.


  • It has a quiet cabin.
  • It provides a smooth ride.
  • It has a large amount of storage space.
  • It offers sliding second-row seats.


  • It has rough handling.
  • The brake paddles are very soft.

Conclusion: Best Cheap Insurance Cars

Conclusion best cheap insurance cars

Insurance costs depend on a number of things, such as the make and model of the car, the age and history of the driver, and where the car will be driven most of the time.

According to research and analysis from a variety of sources, the following are some of the best cars in the US with the cheapest insurance costs:

  1. Subaru Outback
  2. Jeep Wrangler
  3. Honda CR-V
  4. Subaru Forester
  5. Mazda CX-5
  6. Ford Escape
  7. Toyota RAV4
  8. Chevrolet Equinox
  9. Kia Sorento
  10. Nissan Rogue
  11. Honda Pilot
  12. Hyundai Tucson

It has been found that these cars have relatively low insurance costs because of things like how safe they are, how cheap they are, and how reliable they are. However, it’s important to keep in mind that insurance costs can vary widely based on individual circumstances, and factors such as driving record, age, and location can all impact insurance premiums.

Therefore, it’s always a good idea to compare insurance quotes from multiple providers and consider other factors, such as the cost of ownership, fuel efficiency, and overall performance, when choosing a vehicle.

We hope that this article will help you find your desired car with reasonable insurance. Best of luck!