Cheapest New Cars to Insure
These safe, reliable, and satisfying vehicles—all CR Recommended—have the lowest insurance premiums
Have you ever negotiated a great price on a new car only to get hit with a surprise increase in your insurance bill?
Factors Influencing Insurance Rates
“Cars that are common, affordable, and reliable with solid safety and anti-theft features usually cost the least to insure,” says Matt Brannon, data journalist at Insurify. “Those features lower both how often claims happen and how expensive they get.”
For example, occupants in cars with excellent safety ratings are less likely to be injured in a crash, and cars with proven crash avoidance technology, such as automatic emergency braking (AEB), are less likely to be in a collision in the first place, which lowers premiums.
By comparison, sports cars cost more to insure because they are more likely to be driven at high speeds that can cause more severe crashes, and luxury cars tend to have higher premiums because they’re pricier to repair or replace, Brannon says.
Even if you drive a car that’s expensive to insure, our experts have ways to help lower your insurance premiums.
How We Evaluated the Cars
To determine which new cars cost the least to insure, Insurify analyzed real-world insurance quotes from hundreds of car insurance providers—including Farmers, Geico, Liberty Mutual, and Progressive. It sampled premiums for drivers between 20 and 70 years old with clean driving records and credit scores of 600 or higher.
Insurify focused on quoted policies with bodily injury limits between state-minimum rates and $50,000 per person/$100,000 per accident, property damage limits between $10,000 and $50,000, and both comprehensive and collision coverage with a $1,000 deductible each. (Consumer Reports recommends more protection for most drivers.)
We then looked at which of these vehicles were CR Recommended. To earn this honor, cars must have a high Overall Score in more than 50 tests at our 327-acre test facility in Colchester, Conn.
Our evaluations include acceleration, braking, emergency handling, and fuel economy, among others. We also evaluate usability, fit and finish, noise, ride, and safety systems. We also collect data from hundreds of thousands of cars to determine reliability, ask owners how satisfied they are with their vehicles, and analyze safety features and ratings.
Cheapest CR Recommended Cars to Insure
CR members can see below for our list of CR Recommended new vehicles that are least expensive to insure, as well as the most expensive to insure. Each is shown with the average annual premium, based on Insurify’s analysis.
