The 5 Cheapest Cars to Insure in 2021

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Happy man standing next to his car
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Buying one particular American car is your best bet if you hope to cut auto insurance costs, a new study finds.

The Chrysler Voyager L costs an average of $1,272 to cover annually, making it 2021’s cheapest car to insure, according to’s list is based on the approximately 3,000 different vehicle models it compares for car insurance rates in every state.

In a press release, Penny Gusner, senior consumer analyst for, says:

“SUVs and CUVs continue to dominate the list of cheapest vehicles to insure. Every vehicle in the top 10 is in the utility category, except for the top-place Voyager. These results support the depth of the SUV trend that continues to dominate.”

The voyager is a minivan.

The five least expensive cars to insure are:

  1. Chrysler Voyager L: $1,272
  2. Honda CR-V LX: $1,285
  3. Mazda CX-3 Sport: $1,294
  4. Fiat 500X Trekking: $1,301
  5. Honda HR-V LX: $1,322

By contrast, buy a high-end luxury or sports car, and you will pay more. Such vehicles are priced higher in part because they draw more aggressive drivers, experts say.

The five most expensive cars to insure are:

  1. Maserati Quattroporte S GranSport: $4,823
  2. Maserati Ghibli S Q4 GranSport: $4,208
  3. Tesla Model S Performance (Plaid): $4,143
  4. Tesla Model X Performance (Plaid): $4,025
  5. BMW M760i xDrive: $3,914

Knowing how much a car model costs to insure is valuable information when you are searching for a new car, Gusner says. She notes that a car that is more expensive to insure will cost you more money to own over the car’s lifetime.

How to get the best auto insurance rates

Shopping around and comparing rates typically is the best way to get a good price on auto insurance. Each insurer sets rates differently. Comparison shopping can help you find the company that best fits your particular situation at the best price.

You can shop around by getting quotes from several providers and comparing. Or, you can use a service like The Zebra or Gabi. Such services gather quotes for you so you can pick the best rate.

Money Talks News founder Stacy Johnson tried Gabi and found it worth his time. He wrote in “How I Found $546 in Car Insurance Savings in Under 10 Minutes“:

“I’m currently insuring two cars with USAA at a combined cost of about $2,400. Gabi said Progressive could give me the same coverage for 22% less, saving me $546. All I had to do is give Gabi the go-ahead and my driver’s license number. Then, Gabi would confirm the rate and even do the switching for me.”

To learn more about shopping for car insurance, read “Beware These 7 Common Car Insurance Shopping Mistakes.”

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