10 Least Expensive Cars to Insure in 2024

Insurance is a critical investment for financial security. If an accident happens, you’ll rely on it for repairs or replacement of your vehicle. 

Yet, you won’t save any additional money in the long run if you’re overpaying for your insurance to begin with, which is why choosing a car with a lower insurance premium can help to keep more cash in your wallet.

Numerous factors play a role in how much you’ll pay for car insurance, including your driving history, your credit score, where you live, and how frequently you drive. There are also some myths out there about other things that can make your insurance premiums higher, like driving a red car.

Myths aside, the fact remains that the type of car you drive can play a significant role in what you’ll pay for insurance.

The figure is often based on value, risks associated with the vehicle, and safety features. The following are some of the least expensive cars to insure.

With an estimated average annual full overage premium of $1,958 — a figure that’s based on the manufacturer’s suggested retail price (MSRP) at the time of purchase, which is the same metric used for all the cars on this list — the Subaru Outback is one of the least expensive vehicles to insure.

With features like Standard EyeSight Driver Assist technology and LED steering responsive headlights, the 2025 model year is a vehicle that’s safer to drive, reducing risks of accidents and leading to lower insurance costs.

The Honda CR-V is another vehicle that is both affordable to purchase and drive. The average full coverage premium is about $2,017, which means you might be able to start saving money on car insurance as soon as you park this car in your driveway.

The Honda CR-V is a versatile vehicle with a lower price than others in its class. You’ll also find a full suite of safety features available, including the Collision Mitigation Braking System that’s standard in 2025, which could be one of the factors that helps to reduce costs.

With an annual insurance premium of about $2099, the Honda Pilot is an excellent choice for those who want a lower price on insurance.

The Honda Pilot offers nice features and a moderate price for the size of the vehicle. What also helps save money on insurance is that its repair costs tend to be low. Theft rates are also lower than other vehicles, reducing insurance costs.

The Subaru Forester is another competitively priced car from the manufacturer to make the list.

The fact that these cars are known for being reliable, durable vehicles with affordable parts and repairs is likely part of the reason that the average annual full coverage premium for this vehicle is only about $2,107.

Insuring the Ford Escape will cost you about $2,133 each year thanks to the fact that the Escape has a lower overall MSRP, depending on the model year and trim selected.

The lower price, along with the fact that the car is more family-oriented as opposed to a performance-oriented vehicle, also likely helps lower costs.

The Toyota RAV4 is another one of the least expensive cars to insure, and it has an annual premium of $2,159.

As a competitively priced vehicle, the Toyota RAV4 keeps the cost of replacement lower than other models.

Another family-oriented vehicle, this vehicle is a moderately sized powertrain with only 203 horsepower, making it far less of a risk of being driven recklessly since it’s not exactly built for speed.

With an annual insurance premium of $2,166, the Toyota Tacoma is another affordable vehicle to insure. A vehicle noted for its style and size, the Tacoma works well as a family vehicle, since it’s big enough for the whole crew.

Good safety features help, and though it can do some off-roading, it’s often driven by safety-minded parents.

Insuring the Honda Odyssey is another of the smart money moves for car owners in the market to buy. You’ll pay about $2,168 to insure it.

Though a more powerful vehicle than others on this list with a 3.5 L V6 engine producing 280 horsepower in the 2025 model, it’s still affordable for those looking for a larger vehicle.

Expect to spend about $2,205 on annual insurance premiums on the Acura RDX. What’s interesting here is that while the Acura is a luxury vehicle, it is one of the least expensive of the options.

That’s likely because this family-focused vehicle comes with AcuraWatch, a suite of innovative safety features that includes driver-assistive technologies. That makes Acura RDX safer to drive than some other vehicles, keeping insurance costs lower.

It may be surprising to see the Jeep Wrangler on this list of the most affordable vehicles to insure, but it comes in at $2,214.

It’s a more affordable Jeep product when compared to others from this manufacturer, and the Wrangler features Forward Collision Warning with Active Braking alerts as an upgrade option. You’ll also find this vehicle has Blind Spot Monitoring and Rear Cross Path Detection, which increases its safety profile, thus lowering potential liabilities.

If you want to make your paycheck stretch a bit further and make some smart money movies as a car owner you should definitely consider shopping around for your next insurance policy.

Taking time to compare insurance options by looking at multiple insurance companies and various policy options and bundling car insurance with your other policies can all help you save more on your annual payments.