What cars are cheap to insure?

Auto insurance for the Chrysler Town & Country LX costs $91/mo on average, making it the cheapest car to insure in the US. Mini-vans are often cheaper to insure.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember...

  • The least expensive cars aren’t always the cheapest to insure
  • You could save hundreds of dollars each year simply by price-comparing insurance quotes on the cheapest cars to insure
  • The make and model of your car can affect the cost of monthly insurance rates

Depending on where you live and what you drive, car insurance can cost an arm and a leg. If you’re considering getting a new set of wheels, you should pay heed to the average cost of car insurance for the models you want to buy.

Indeed, the least expensive cars often aren’t the cheapest to insure. This is because young drivers tend to buy cheap cars, and these inexpensive vehicles also tend to be less safe than other, more expensive cars.

Because car insurance is required in most states, you should consider the price of auto insurance policies when buying a new car. This list consists of the ten cheapest cars to insure in 2011 as well as the reasons they made the list.

Use our FREE comparison tool to find the best auto insurance rates now!

Insuring Cheap Cars

Of course, different cars might have different prices in different states for different drivers under different policies.

You could save hundreds of dollars each year simply by price-comparing insurance quotes on the cheapest cars to insure.

However, doing this manually could take hours or even an entire day.


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Cheapest Cars

– Chrysler Town & Country LX

Average national annual premium: $1,092

This minivan is listed for a number of reasons. It is a family-oriented vehicle, meaning that its drivers tend to be safer and drive during times of low congestion.

At a middling price, experienced drivers tend to purchase it rather than younger ones.

However, it is not so expensive that drivers feel they can afford to get in a wreck.

Plus, there’s such a stigma against minivans that people who choose cars for their looks – generally people who tend to drive more recklessly – don’t tend to look at the Town and Country.

Finally, this car gets great crash test ratings, which is perfect for the safety-conscious.

– Toyota Sienna

Average national annual premium: $1,101

This five-door minivan wagon is a soccer mom’s dream. With high-quality Toyota craftsmanship and design, its large trunk space and safety-first mechanics are perfect for taking kids around town without having to worry about a breakdown or an accident.

Designed as a suburban transport unit, the Sienna handles best in safe environments.

It is marketed toward parents, who tend to be one of the least accident-prone subsets of customers.

– Toyota Sienna LE

Average national annual premium: $1,108

See the Toyota Sienna. The limited edition is only slightly more expensive on the whole because of its higher price.

However, the driving habits of LE owners tend to be the same as those of standard Sienna owners, so there isn’t much difference in the premium.

– Honda Odyssey LX

Average national annual premium: $1,115

Honda’s take on the minivan. The Odyssey displays all the charm and quirk of Honda, as well as its superior attention to detail.

For decades, the Honda brand has been synonymous with middle-class security in the suburban areas of the United States. Minivans have acquired the same sensibility.

It only makes sense that Honda’s foray into the world of minivans would have a similar effect.

Honda also took spots 7 and 11 (not listed), with the Odyssey EX and the CRV cargo van, respectively. Both were well under $1,160 annually, on average.

– Nissan Murano SL

Average national annual insurance premium: $1,128

This two-wheel drive utility van might seem silly to your friends, but when it comes to the insurance premiums, you’ll be able to say, “well who’s laughing now?”

With great crash test ratings and a sturdy frame, it’s another great van to cart the kids around town.

– Jeep Wrangler Ultimate Sport

Average national annual premium: $1,131

We did not expect to see a Jeep here. With all the abuse most Jeep owners put their vehicles through, one would think that the Wrangler would be one of the pricier vehicles to insure.

However, this car performs stunningly on all the crash ratings, and it’s built like a rock.

Repairs don’t tend to cost much, and owners who buy one tend to know how to use it.

You can go four-wheeling with contentment if you have a good insurance policy on your Jeep Wrangler.

– Honda Odyssey EX

Average national annual premium: $1,138

See the Honda Odyssey LX. Pretty much the same car, except the EX has a few more features including alloy wheels, a variety of interior upgrades, power doors and an integrated sunshield.

Not surprisingly, the EX’s insurance is a little cheaper, as any damage will cost a bit more to fix.

– Toyota Sienna 6 Cylinder

Average national annual premium: $1,143

See the Sienna descriptions above.

– Ford Escape XLS

Average national annual premium: $1,150

SUV drives like a minivan. Similar to above.

Be noted that, like the Jeep, it has four-wheel drive.

– Toyota Highlander

Average national annual premium: $1,154

Similar to utility vans described above.

In conclusion, if you’re looking for a cheap auto to insure, go with a minivan, cargo van or other car associated with suburban life.

Of course, the numbers listed here only represent an average. Some cars are more popular in some areas of the country, and others may have significantly lower car insurance rates.

Your sedan might get great insurance rates with a particular insurance company in a particular state, but you’ll never know unless you check.

Don’t even break a sweat. Simply type some information into our free comparison tool, and you’ll receive a detailed report of your different car insurance options.

Find the right type of car insurance and save money by finding cheap car insurance! Enter your zip code below to get started!


  1. https://cars.usnews.com/cars-trucks/chrysler/town-country
  2. https://www.toyota.com/sienna/
  3. https://automobiles.honda.com/odyssey
  4. https://www.usa.gov/about-the-us
  5. https://cars.usnews.com/cars-trucks/rankings/minivans
  6. https://www.jeep.com/wrangler.html/
  7. https://www.nationwide.com/

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