Insurance is one of the quieter costs of car ownership, and it varies wildly from one model to the next. Crossovers and small SUVs that are cheap to repair, rarely stolen, and rated safe tend to carry the lowest premiums year after year. The rankings behind these ten reflect that pattern in 2026.
1. Subaru Crosstrek: The Cheapest To Insure
The Subaru Crosstrek opens the list as the single cheapest vehicle to insure in 2026, according to a national rate study. Standard all-wheel drive, strong crash-test scores, and affordable parts all pull its premiums toward the bottom of the market.
The Crosstrek also rarely lands on stolen-vehicle lists, which insurers reward. Even so, the model badge only sets a baseline; a driver’s age, ZIP code, and claims history swing the actual monthly bill far more than the car itself does.
2. Honda CR-V: Steady Rates Near $161
Honda’s CR-V ranks among the cheapest new vehicles to insure, with one 2026 estimate landing near $161 a month for full coverage in an insurance industry analysis. Predictable repair costs and a long safety record keep it firmly in budget territory.
As one of the best-selling SUVs in the country, the CR-V benefits from cheap, plentiful parts and mechanics who know it well. Higher trims and hybrid versions can nudge the premium up, so the quoted figure is a floor rather than a promise.
3. Honda HR-V: Small Honda, Small Premiums
The smaller Honda HR-V ties near the top of the cheap-to-insure rankings, sitting just behind its CR-V sibling in a cost-of-insurance breakdown. A modest engine, low sticker price, and solid safety ratings all hold its premiums down.
Because the HR-V is inexpensive to replace and repair, insurers face smaller potential payouts. Shoppers weighing it against pricier compact SUVs may find the insurance gap adds up to real money across several years of ownership. Honda’s reputation for reliability also means fewer surprise repairs that might otherwise push a policyholder into a costly claim.
4. Volkswagen Tiguan: About $165 A Month
The Volkswagen Tiguan runs about $165 a month to insure by one insurer’s estimate, keeping the German crossover competitive with its Japanese rivals. Wide availability and mainstream repair costs help offset the brand’s reputation for pricier maintenance.
That figure covers the mainstream trims; loaded all-wheel-drive versions cost more to fix and can carry a higher premium. As with any model, a clean driving record does more to lower the rate than the choice between one small SUV and another. Regional rates and coverage limits fill in the rest of the picture for any given buyer.
5. Mazda CX-5: Roughly $364 A Year
Mazda’s CX-5 leads one 2026 analysis at roughly $364 a year for a minimum-coverage policy, per a cheapest-to-insure ranking. High safety scores and a low theft profile make it a favorite of underwriters.
That bargain figure reflects state-minimum coverage, not the fuller protection most drivers actually carry, so real-world bills run higher. Still, the CX-5’s standing signals a car insurers view as low risk, which tends to follow it across coverage levels. Drivers who add collision and comprehensive protection should expect the annual total to climb well beyond that headline number.
6. Subaru Forester: Five Subarus On The List
The Subaru Forester is one of five Subarus to appear in the cheapest-20 list compiled in an auto-insurance study. Standard all-wheel drive, top crash ratings, and a boxy, easy-to-repair body keep its claims costs low.
Subaru’s presence across the rankings points to a brand-wide pattern rather than a single standout. Forester owners skew safety-minded and file fewer expensive claims, a demographic edge that quietly feeds into the premiums insurers set. The Forester’s long production run also means abundant, inexpensive parts and technicians familiar with the platform.
7. Subaru Outback: Low Theft, Low Repairs
Low theft and repair costs keep the Subaru Outback’s premiums down, landing it among the more affordable wagons to insure in the same rate study. Its all-wheel-drive underpinnings and high safety marks reinforce the discount.
The Outback shares much of its engineering with the Forester, so the two track closely on insurance cost. Rugged trims like the Wilderness add hardware and value, which can lift the replacement figure and, with it, the monthly rate. Buyers eyeing an Outback purely for cheap coverage should price the specific trim rather than the nameplate.
8. Volkswagen Taos: Modest Costs, Compact Size
The Volkswagen Taos, a small SUV with modest insurance costs, earns a spot on the cheapest-to-insure list thanks to a low base price and strong safety scores. As Volkswagen’s entry crossover, it is cheap to buy and, in turn, cheap to cover.
Newer to the market than most rivals, the Taos has a shorter claims history, so its ranking may shift as more data arrives. For now, its small size and value pricing keep it in the budget tier alongside far more established nameplates.
9. Chevrolet Trailblazer: Budget Crossover, Low Rates
Chevrolet’s Trailblazer, a budget crossover with low rates, rounds out the affordable end of the insurance rankings. Its subcompact size, modest power, and low sticker price all translate into smaller potential claims for insurers.
The Trailblazer name now covers a small crossover rather than the old truck-based SUV, and the lighter vehicle is cheaper to fix. Value shoppers who want a low payment on both the loan and the policy often land here. The small footprint also makes it easy to park and cheap to fuel, reinforcing its budget appeal.
10. Jeep Wrangler: The Off-Roader That Sneaks In
The Jeep Wrangler cracks the cheapest-to-insure rankings, a surprise for a rugged off-roader, in a national comparison. Strong resale value and a simple, body-on-frame design that is easy to repair help hold its premiums in check.
The Wrangler’s ranking comes with an asterisk, since open-door, open-roof models can invite theft in some areas. Rates vary sharply by location and trim, so the off-roader’s bargain status depends heavily on where the owner parks it. Garaged Wranglers in low-crime areas tend to see the friendliest quotes of all.
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