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Key points

  • Subaru Outback and Subaru Crosstrek are the cheapest best-selling cars to insure. 
  • Tesla Model 3 and Tesla Model Y are the most expensive best-selling cars to insure.
  • Car insurance rates vary by state, with Vermont drivers enjoying the lowest average rates for best-selling vehicles.
  • Louisiana drivers have the highest average car insurance rates for best-selling vehicles. 

Shopping for a new car in 2024? The price of your new ride isn’t the only thing to consider when it comes to your monthly budget. The vehicle you choose will affect how much you pay for car insurance, so it can be helpful to know the cheapest cars to insure. 

We analyzed the rates of best-selling cars, trucks and SUVs to find out which popular cars have the cheapest car insurance rates, and which ones will leave a significant dent in your wallet to insure. 

25 best-selling cars, trucks and SUVs

According to Car and Driver, these are the best-selling of 2023: 

  1. Ford F-Series
  2. Chevy Silverado
  3. Ram Pickup
  4. Toyota RAV4
  5. Tesla Model Y
  6. Honda CR-V
  7. Toyota Camry
  8. GMC Sierra
  9. Nissan Rogue
  10. Jeep Grand Cherokee
  11. Toyota Tacoma
  12. Tesla Model 3
  13. Toyota Corolla 
  14. Chevy Equinox
  15. Hyundai Tucson
  16. Honda Accord
  17. Honda Civic
  18. Toyota Highlander
  19. Ford Explorer
  20. Jeep Wrangler
  21. Subaru Outback
  22. Mazda CX-5
  23. Subaru Crosstrek
  24. Chrysler Pacifica 
  25. Chevy Malibu 

Cheapest cars to insure in 2024

Some best sellers carry average car insurance rates that are budget friendly, while other popular vehicles will be more expensive to insure. 

To help you find the cheapest vehicle to insure, we took a look at insurance rates for the best-selling vehicles based on a full coverage car insurance policy, which includes liability insurance, collision and comprehensive coverage, uninsured motorist insurance and any other state-mandated coverage. Here’s what we found: 

  • Cheapest best seller to insure: Subaru Outback ($1,943 per year). 
  • Cheapest best-selling sedan to insure: Toyota Corolla ($2,123 per year).
  • Cheapest best-selling truck to insure: Ford F-150 ($2,142 per year). 

If you’re shopping the best sellers but want a wallet-friendly auto insurance rate, you may want to think twice about some of the vehicles on the list. 

  • Most expensive best seller to insure: Tesla Model Y ($3,711 per year).
  • Most expensive best-selling sedan to insure (non-electric): Chevy Malibu ($2,591).
  • Most expensive best-selling truck to insure: RAM 1500 ($2,364).

Check out the table below to see how much you may pay for a best-selling vehicle in the new year.  

States with the cheapest car insurance

The car you drive isn’t the only thing that impacts your insurance rates. The state where you live also affects how much you pay for car insurance.

  • The national average rate for car insurance for best-selling vehicles is $2,354 per year ($196 per month). 
  • Vermont drivers pay 52% less than the national average with a car insurance average annual rate of $1,339 per year for best-selling vehicles. 
  • Only five other states have average annual rates below $2,000: North Carolina, Idaho, Maine, Oregon and Ohio.
  • Louisiana drivers pay 70% more per year for coverage with the highest average annual rate for best-selling vehicles ($4,000) in the nation.  

What makes a car more expensive to insure? 

Several factors make a car more expensive to insure, including:

  • Average cost of repair or replacement. Cars with rare or expensive replacement parts typically cost more to insure since your insurance company may need to pay out more for a claim. 
  • Low safety ratings. Insurers base rates on risk, and vehicles that are more likely to be damaged or be in accidents with occupant injuries may have higher rates. 
  • Likelihood of theft. Each year, the Highway Loss Data Institute releases a list of the vehicles most likely to be stolen. If your vehicle is on it, you’ll likely pay more for coverage, as insurers adjust their rates to the associated risk.  
  • Type of vehicle. Vehicles considered high-performance or sporty also typically cost more to insure, as these cars are historically involved in more wrecks and stolen more frequently.

Personal factors that affect your car insurance costs

Insurers consider many factors when writing a quote for auto insurance, including: 

  • Your driving record. Insurers rely on risk evaluations to determine rates, and your driving record is a good indicator of how safe (or risky) your habits are behind the wheel. Drivers with clean records typically pay less than those with moving violations or accidents on their record. Drivers with little or no driving history also often pay more, as that can indicate a lack of experience. 
  • Your age. Drivers over the age of 25 usually pay less than younger drivers since they're considered less of a risk. Younger drivers and senior drivers statistically have more wrecks than drivers aged 25 to 65, which leads to higher car insurance premiums.
  • How frequently you drive. The more time you spend on the road, the higher your chances of being in an accident. Drivers with higher mileage averages will pay a higher premium than those on the road less frequently.
  • Your gender. Insurers often take your gender into consideration, as male drivers are statistically more likely to engage in risky behaviors behind the wheel, including speeding, driving while impaired and not wearing a seatbelt. However, factoring gender into car insurance rates is banned in several states, including California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania.
  • Where you live. Location influences insurance costs, especially for drivers in places with higher levels of vandalism or theft or where the cost of repairs may be more expensive. Drivers in metropolitan areas usually pay more than those in rural locations.
  • Your credit score. In some cases, insurers take into account your credit-based insurance score. A poor credit score can lead to higher rates, though insurers in California, Hawaii, Massachusetts and Michigan are prohibited from using credit scores when determining rates. 
  • Your policy selections. Policies with higher limits or optional coverages, such as collision and comprehensive car insurance or gap insurance will be higher than a policy with the bare minimum required in your state. 

The deductible you choose, or the amount of money your insurer will deduct from a claims check after certain types of claims, will also affect your rate. Higher deductibles, such as $1,500 or $2,000, will yield lower rates, and vice versa. 

How to find cheap car insurance

Finding cheap car insurance takes research and patience, but it can be worth the effort. Follow these tips to get the best car insurance for your needs, at the lowest rate. 

  • Never settle for the first car insurance quote. The Insurance Information Institute encourages drivers to get at least three car insurance quotes before making a decision, as rates can vary significantly. 
  • Compare costs for different vehicle makes and models before you purchase your next vehicle. For instance, if you have a new teen driver in the house, comparing car insurance rates for vehicles can help you find the cheapest car to insure for young drivers.
  • Leverage safety feature discounts and savings. Vehicles with anti-theft devices, enhanced driver security features and other services that keep drivers and vehicles safe all factor into lower premiums. 
  • Drop unnecessary coverages. Recently paid off your vehicle? You can drop gap insurance. If you drive an older car that's paid off, consider dropping your collision and comprehensive coverage. 
  • Bundle your car insurance with other types of coverage. Most insurers offer multi-policy or bundling discounts, such as a home and auto insurance bundle
  • Pay attention to your odometer.  If you don’t drive as often, you may be able to qualify for a low mileage discount. Some drivers may even consider a pay-per-mile option such as the SmartMiles program offered by Nationwide.

Methodology

Our team of car insurance experts analyzed rates data for the top-selling 2023 vehicle models. Data was made available by , an insurance data and analytics provider. Rates are based on both a male and female driver with a clean driving record shopping for a policy with the following: 

  • $100,000 in bodily injury liability per person.
  • $300,000 in bodily injury per accident.
  • $100,000 in property damage liability. 
  • Collision and comprehensive coverage with a $500 deductible.
  • Uninsured motorist coverage.
  • Any other coverage mandated by the state. 

Cheapest to insure cars FAQs

Yes, the cost of your vehicle plays a major role in insurance premiums. When writing a quote, insurers review recently paid claims for similar vehicles. If your car has advanced technology driver assistance programs, self-driving or automatic emergency braking, these systems typically cost more to repair or replace than standard-issue features. 

Shopping for coverage? See which companies offer the best car insurance.

Newer cars do not always cost more to insure — insurers consider many factors when determining your car insurance rate. That said, newer cars frequently do carry higher premiums due to updated technologies, higher replacement values and the likelihood of theft. 

You should get quotes from different insurers to determine the average cost of car insurance for a particular make and model vehicle.

Older cars are generally cheaper to insure due to depreciated value and less need for full coverage. 

In the event of a total loss, insurers will pay out far less on an older car than one that recently rolled off the assembly line. And, since the value of the car may not merit paying extra for collision and comprehensive coverage, you can often find the cheapest car insurance by skipping optional coverages.

Editor’s Note: This article contains updated information from previously published stories:

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Katy McWhirter has written professionally since 2012, garnering bylines in publications such as 91Ӱ News & World Report, MoneyGeek, and Noodle. She is also the author of three historical biographies, including a forthcoming Spring 2023 publication. She lives in Louisville with her husband and three very bad cats.

Jennifer Lobb

BLUEPRINT

Jennifer Lobb is deputy editor at 91Ӱ Blueprint and is an experienced insurance and personal finance writer. Jennifer served as an insurance staff writer and editor at 91Ӱ News and World Report and deputy editor of insurance at Forbes Advisor. She also spent several years covering finance and insurance for various financial media sites, including LendingTree and Investopedia. For nearly a decade, she’s helped consumers make educated decisions about the products that protect their finances, families and homes.