If you’re looking to save money on car insurance, choosing the right vehicle is one of the smartest ways to cut costs. Insurance premiums vary widely depending on your car’s make, model, age, and safety features. By selecting a car that is cheap to insure, you can save hundreds—or even thousands—of dollars annually. In this article, we’ll explore the cheapest cars to insure in 2026, why they cost less, and tips for lowering your insurance further.
Why Some Cars Cost Less to Insure
Insurance companies calculate premiums based on risk. Factors that affect your rate include:
- Repair costs: Cars with inexpensive replacement parts are cheaper to repair.
- Safety ratings: Vehicles with top crash-test scores lower your risk of injury claims.
- Theft rates: Cars that are less frequently stolen generally cost less to insure.
- Engine size and performance: High-performance sports cars often carry higher insurance due to greater accident risk.
- Driver demographics: Younger drivers may pay more, but the type of car still affects costs.
Choosing a vehicle with these traits can dramatically reduce your insurance premiums.
Top Cheapest Cars to Insure in 2026
Here’s a list of popular cars that are affordable to insure, combining reliability, safety, and cost-efficiency:
1. Honda CR-V
The Honda CR-V is a compact SUV known for reliability and excellent safety ratings. Its low theft rate and affordable repair costs make it one of the cheapest cars to insure.
2. Toyota Corolla
A long-standing favorite for budget-conscious drivers, the Toyota Corolla is economical, easy to maintain, and cheap to insure. Its fuel efficiency and safety features add even more value.
3. Ford Escape
The Ford Escape is another compact SUV that is safe and affordable to insure. With modern safety technology and a reputation for dependability, insurance premiums are relatively low.
4. Hyundai Elantra
The Hyundai Elantra combines affordability with advanced safety features. Its low repair costs and high safety ratings contribute to lower insurance premiums.
5. Subaru Outback
Known for its all-wheel drive and safety features, the Subaru Outback is popular among families and outdoor enthusiasts. Its low accident and theft rates keep insurance costs down.
6. Mazda CX-5
The Mazda CX-5 offers sporty handling, strong safety scores, and reliability. Insurance companies favor cars with fewer claims, making this an economical choice.
7. Kia Soul
The Kia Soul is affordable, easy to maintain, and equipped with solid safety features. Its compact size and lower engine output also help reduce insurance rates.
Tips to Lower Car Insurance Costs
Even if you own a car that is cheap to insure, you can further reduce your premiums with these strategies:
- Compare quotes: Use tools like The Zebra or Insure.com to find the best rates.
- Bundle policies: Combining auto and home insurance with the same company often leads to discounts.
- Increase deductibles: A higher deductible reduces your monthly premium but be sure you can cover it in an accident.
- Maintain a clean driving record: Fewer accidents and tickets mean lower insurance rates.
- Take advantage of safety discounts: Many insurers offer discounts for cars with anti-theft devices, airbags, and driver-assist features.
Final Thoughts
Choosing a car that is cheap to insure can save you hundreds of dollars each year, allowing you to invest in other aspects of your life or upgrade your vehicle sooner. Compact SUVs like the Honda CR-V and Ford Escape, sedans like the Toyota Corolla and Hyundai Elantra, or fun compact cars like the Kia Soul are all excellent options in 2026.
Always remember: your car choice, driving habits, and the insurance provider all play a role in determining your final premium. For a personalized quote and to find the cheapest option for you, check out Insure.com or The Zebra.