Insurance premiums vary widely from one vehicle to the next, and a handful of popular models consistently land at the low end. Three separate rankings, covering full coverage, state-minimum coverage and the newest model years, point to many of the same names. Here are twelve of the cheapest vehicles to insure, each with the figure that earned its spot.
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1. Honda CR-V: Cheapest New Car on the List
The Insurance.com premium ranking puts the Honda CR-V at the top, with an average full-coverage premium of $1,932 a year, the lowest figure for any new car on its list. The estimate assumes a 40-year-old driver covering 10,000 miles annually.
A compact crossover with a broad buyer base tends to be inexpensive to repair and insure, so the ranking leaves little doubt that a mainstream, practical shape keeps yearly costs down for ordinary households.
2. Volkswagen Tiguan: Close Behind the Leader
Second in the same ranking, the Volkswagen Tiguan posts an average premium of $1,979 a year for full coverage, only a small step above the CR-V. The figures come from the same Insurance.com and Quadrant data set.
A German-badged compact SUV landing this near the bottom of the cost table shows that low premiums are not limited to Japanese brands. Individual quotes will still shift with driver age, location and driving record.
3. Subaru Forester: Another Family Favorite
At $2,013 a year in average full-coverage premiums, the Subaru Forester takes third place in the Insurance.com cheapest list. It sits just above the Tiguan in the same table.
All-wheel drive often adds cost on a spec sheet, yet it clearly does not push this wagon-like crossover into expensive territory. Shoppers weighing winter traction against price can treat the Forester as a reasonable middle path, since the premium stays close to the best-ranked compact SUVs.
4. Mazda CX-5: Rounding Out the Top Four
Completing the top four on the same premium list, the Mazda CX-5 averages $2,021 a year for full coverage. That keeps it close to the Forester and well within reach of the leaders.
The gap between first and fourth place is modest, so the four compact SUVs form a tight cluster rather than a steep ladder. Choosing among them may come down to driving feel and cargo space more than the insurance bill.
5. Honda Passport: Cheap Even With Bigger Dimensions
MoneyGeek’s data shows the Honda Passport at $375 a year for state-minimum coverage, the third cheapest entry among compact and mid-size SUVs. That is a liability-only figure, a different basis from the full-coverage numbers above.
Minimum coverage protects other drivers rather than the owner’s own vehicle, so the low price should be read with that limit in mind. Even so, a roomier two-row SUV ranking this well is a useful data point for growing families.
6. Chevrolet Corvette: A Sports Car That Surprises
Sports cars usually carry hefty premiums, yet MoneyGeek’s state-minimum figures put the Chevrolet Corvette at $373 a year, among the cheapest sports cars to insure. The number sits even a touch below the Passport’s.
Liability-only pricing flatters high-performance cars because it ignores the cost of repairing the Corvette itself. Owners who want full protection should expect a very different quote, so the low figure mostly reflects a lean policy and not the whole bill.
7. Subaru BRZ: Lightweight and Inexpensive
The Subaru BRZ, a compact sports coupe, comes in at $375 a year for state-minimum coverage in MoneyGeek’s analysis. That matches the Honda Passport, despite the two vehicles serving entirely different purposes.
A two-door enthusiast car priced like a family crossover challenges the assumption that fun costs more to cover. As with the Corvette, the figure reflects only the legal baseline, not a policy that repairs the coupe after a crash.
8. Honda Ridgeline: The Cheapest Pickup
Among trucks, MoneyGeek’s cost ranking singles out the Honda Ridgeline as the cheapest pickup on the list, at $382 a year for state-minimum coverage. It is the highest figure in this group of four, though only by a small margin.
A unibody midsize truck built on a car-like platform seems to earn a lower risk profile than many traditional body-on-frame rivals. Buyers who only occasionally haul cargo may find the Ridgeline an economical compromise.
9. Subaru Outback: Cheapest Among New Models
Compare.com’s look at 2025 and 2026 models finds the Subaru Outback is the cheapest to insure at $1,969 a year. The result applies to full coverage and covers only the current model years.
Because the list is limited to recent vehicles, it reflects what a buyer walking into a showroom today can expect rather than the used market. The Outback’s wagon proportions have long made it a quiet favorite with cost-conscious drivers.
10. Subaru Crosstrek: A Small Crossover Makes the Cut
The Subaru Crosstrek is named among the five cheapest 2025 and 2026 models to insure in the Compare.com study. The source highlights the ranking rather than a single premium figure for this model.
Its appearance alongside the Outback shows how consistently the brand performs in insurance rankings. A small, practical crossover evidently presents few surprises to underwriters, which helps hold premiums down for owners across the country and keeps the model on the short list of affordable choices.
11. Subaru Ascent: The Three-Row Entry
Also listed in the cheapest five for 2025 and 2026 models, the Subaru Ascent is a three-row SUV that also lands among the lowest premiums. The Compare.com summary does not give a specific dollar figure for it.
Large families usually pay for size in more than one way, so a three-row SUV among the lowest premiums is a notable result. The Ascent suggests that extra seating need not mean an automatic jump in insurance costs.
12. Ford Maverick: The Lone Non-Subaru
Completing the Compare.com group, the Ford Maverick is among the five cheapest 2025 and 2026 models to insure, and it is the only vehicle in that set not built by Subaru. The summary gives no individual dollar figure.
A compact pickup breaking up an otherwise one-brand list adds some variety for truck shoppers. Its inclusion indicates that affordable running costs can come from a small, simple design as well as from a particular badge.
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