Cheapest Cars to Insure in 2026
The cheapest vehicles to insure in 2026, ranked by national-average annual premium. Insurance tracks each model's value, repair cost, and theft and claim history, so it varies widely even within a class. We rank by class so the cheapest sedan to insure doesn't bury the cheapest truck or SUV. Your own quote depends on your state, ZIP, age, driving record, and credit — but these national averages show which models start from the lowest baseline.
Key numbers
- The 2026 Honda HR-V leads MotiveGrid's Cheapest to Insure ranking for 2026 at $1,870.
- Across all 18 ranked vehicles, modeled annual insurance premiums spans $1,870 to $2,378.
- As-ranked 2026 trims run from $23,100 to $50,595 MSRP.
- The lowest 5-year cost of ownership on this list is $33,787 for the 2026 Toyota Corolla — about $563 a month.
How insurance costs are measured
- Premiums are national-average annual rates modeled for a standard driver profile.
- Insurance tracks vehicle value, repair costs, parts availability, and each model's theft and claim history.
- Ranked by class so the cheapest sedan doesn't obscure the cheapest truck or SUV.
- Your own quote will vary by state, ZIP code, age, driving history, and credit score.
Category winners: Cheapest Compact SUV to Insure — Honda HR-V · Cheapest Midsize SUV to Insure — Mazda CX-50 · Cheapest 3-Row SUV to Insure — Hyundai Santa Fe · Cheapest Sedan to Insure — Toyota Corolla · Cheapest Truck to Insure — Ford Maverick · Cheapest EV to Insure — Hyundai IONIQ 5.
Cheapest Compact SUV to Insure
Lowest average annual premium among compact SUVs.
- MSRP$28,3005-yr cost$39,122$1,870Insurance / yr
Leads its class on Cost of Ownership; strong on Livability.
- MSRP$23,1005-yr cost$40,881$1,900Insurance / yr
Strong for its class on Cost of Ownership and Livability; trails on Safety.
- MSRP$30,6255-yr cost$41,368$1,923Insurance / yr
Strong for its class on Cost of Ownership and Livability; trails on Driver Assistance.
Cheapest Midsize SUV to Insure
The two-row SUVs that cost the least to insure each year.
- MSRP$34,9005-yr cost$46,014$2,018Insurance / yr
Leads its class on Cost of Ownership; strong on Livability.
- MSRP$45,3055-yr cost$54,998$2,203Insurance / yr
Strong for its class on Cost of Ownership and Livability; trails on Safety.
- MSRP$44,3655-yr cost$57,152$2,212Insurance / yr
Leads its class on Livability; strong on Cost of Ownership.
Cheapest 3-Row SUV to Insure
Three-row family SUVs with the lowest annual insurance.
- MSRP$42,0405-yr cost$60,650$2,211Insurance / yr
Leads its class on Livability; strong on Cost of Ownership; trails on Driver Assistance.
- MSRP$43,8955-yr cost$58,015$2,249Insurance / yr
Strong for its class on Cost of Ownership.
- MSRP$50,5955-yr cost$66,172$2,331Insurance / yr
Balanced across all five pillars, with no standout gap in its class.
Cheapest Sedan to Insure
The lowest-premium cars on the road.
- MSRP$26,3755-yr cost$33,787$1,958Insurance / yr
Leads its class on Cost of Ownership; strong on Livability.
- MSRP$26,6955-yr cost$35,597$1,968Insurance / yr
Strong for its class on Cost of Ownership and Livability; trails on Powertrain.
- MSRP$31,9955-yr cost$37,796$2,122Insurance / yr
Leads its class on Livability; strong on Cost of Ownership.
Cheapest Truck to Insure
Midsize and full-size pickups with the smallest annual premium.
- MSRP$35,9305-yr cost$48,381$1,963Insurance / yr
Leads its class on Livability; trails on Cost of Ownership.
- MSRP$37,0005-yr cost$47,589$1,984Insurance / yr
Balanced across all five pillars, with no standout gap in its class.
- MSRP$40,3155-yr cost$47,701$2,047Insurance / yr
Leads its class on Powertrain; trails on Livability.
Cheapest EV to Insure
The fully electric models that cost the least to insure each year.
- MSRP$39,8005-yr cost$50,277$2,265Insurance / yr
Leads its class on Driver Assistance and Safety; trails on Livability.
- MSRP$41,3505-yr cost$49,374$2,298Insurance / yr
Leads its class on Powertrain; strong on Driver Assistance; trails on Livability.
- MSRP$45,2005-yr cost$56,056$2,378Insurance / yr
Strong for its class on Driver Assistance; trails on Livability.
Ranked by insurance / yr, with the MotiveGrid composite score (five pillars, safety weighted heaviest) breaking ties. Each pick is the model’s representative mid-range trim. How we score →
Analysis by the MotiveGrid Engineering Team · scores updated 2026-07-25