2021 Mazda CX3

The Top 5 Cheapest Cars to Insure in the US

When it comes to auto insurance there are many factors that go into an insurance premium. Where you live, your driving record, your insurance history, and the type of car you drive are just a few of the things that go into an insurance rate.

For the most part, you are in control of the contributors to an insurance premium, with the exception of packing up and moving to a different city or state just for a lower insurance cost. You can keep your driving record clean by not speeding or getting yourself any other driving-related tickets, this will help keep your rates down. Also, make sure to pay your insurance on time as insurance companies can cancel or increase your rates due to lack of payment.

One other thing that contributes to insurance cost is the type of vehicle, and it’s insurance claim frequency overall. When claims occur, insurance companies can be on the hook for a lot more than just a vehicle replacement, they can also be liable for medical bills as well. It is possible for insurance companies to deny medical costs associated with a car accident. In these cases, it always helps to have a team of experienced personal injury lawyers to step in to ensure you are properly covered.

According to Insure.com, they populated insurance rates from six major insurance providers and averaged the premiums. This gave us the top five cheapest cars to insure in the US. Let’s see what your next car should be to keep those insurance costs down!

#5 Fiat 500X Pop

2020 Fiat 500X

The Fiat 500X Pop has made the list as the fifth cheapest car to insure in the US. This spunky little SUV is based on the Jeep Renegade platform. This makes it especially rugged and capable when asked to perform in the wild. Engines available in the 500X Pop come in the form of a turbocharged 4-cylinder with an output of either 160 or 180 horsepower (1.4L or 2.4L).

The 500X also comes with a ton of safety features like blind-spot monitoring, seven airbags, adaptive cruise control, and a backup camera. The average rate to insure the 500X Pop came out to $1,336 per year according to Insure.com.

#4 Subaru Outback 2.5

2020 Subaru Outback XT

Subaru was able to get more than just the Outback on the list cars with cheap insurance rates. Their Forester and Crosstrek were rated in the top 15 list for having low rates.

Since low insurance rates stem from cars with advanced safety features, the Outback is in the top five as it is loaded with them. The Outback comes standard with Advanced Adaptive Cruise Control and Lane Centering Function, two features that can not only make road trips a breeze but also prevent accidents from occurring. Aside from being the 2020 IIHS Top Safety Pick, it has also earned many awards for its quality. The average to insure the Subaru Outback comes out to just $1,335.

#3 Jeep Wrangler Sport S

2020 Jeep Wrangler

Jeep also did well this year with three models making the top 20 overall cheapest vehicles to insure. The Wrangler Sport hit third place when classed for cheap insurance.

Jeeps aren’t usually referred to as “luxury”, instead, they are bare-boned, which makes them cheap and easy to fix. These lower repair costs are taken into account when classed for insurance companies. The Jeep Wrangler Sport S came to an average insurance cost of just $1,334 per year.

#2 Honda CR-V LX

2017 Honda CRV

Honda was able to follow the trend of the other brands on this list. They were able to have three vehicles in the top 10 cheapest cars to insure in addition to the CR-V, Honda also had the Odyssey and the HR-V.

Like Subaru, Honda offers advanced safety features across most of its products no matter the trim level. This safety feature is called “Honda Sensing” and it consists of collision avoidance and driver assistance technologies. The CR-V also comes standard with a forward-collision warning system with automatic emergency braking, along with lane departure sensing with steering assist. The forward collision avoidance system works with not only vehicles but pedestrians too. The Honda CR-V has earned its reputation for safety along with the silver medal for the lowest average insurance cost per year of just $1,333.

#1 Mazda CX-3 Sport

2019 Mazda CX3

The Mazda CX-3 Sport is a compact SUV loved by many for its upgraded cabin, spirited handling, and it’s peppy 148-horsepower 4-cylinder engine.

The CX-3 comes standard with Mazda’s Smart Brake Support and Adaptive Front Lighting technologies, earning itself a top safety rating with the IIHS in 2019. Like Honda, the CX-3 also incorporates an emergency braking system effective on vehicles and pedestrians. These are just some of the safety features that contribute to its low insurance cost. Taking home the gold at an average of only $1,324 to insure per year, making it officially the cheapest vehicle to insure in the US.

  1. According to Forbes, insurance rates have been rising precipitately for the past few years, and are expected to continue on this upward trend in the future. I guess if you are looking solely for the cheapest then nothing would beat government auto insurance, the only downside is that it’s only available in three states.

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