When searching for car insurance, you want to find the best car insurance rates to fit your needs.
The list provided is based on the national average cost and annual premium for each vehicle.
All of the vehicles on this list have a good rating with the insurance institute for highway safety (IIHS) which plays a role in their lower insurance premium costs.
Expensive vehicles will have a higher insurance cost both in deductable and annual premium total cost.
These car models cost more than less expensive cars to insure due to the repair cost associated with an expensive vehicle.
1. Honda CR-V
The Honda CR-V is a compact SUV that seats five comfortably and has many standard safety features. The safety features in the CR-V help decrease the annual insurance rate. The price and availability of parts for the CR-V also play a role in its lower annual premium rate.
The Honda CR-V has an annual insurance premium (AIP) of $1,439-$2,346 depending on trim level, and age of the driver insured. The Honda CR-V is offered in both front-wheel-drive (FWD) and all-wheel-drive (AWD) allowing for all-weather traction.
2. Chevrolet Equinox
The Chevrolet Equinox seats five and is offered in both AWD and FWD. The Equinox has comfortable and roomy seating and a user-friendly infotainment system that is compatible with both Apple Car Play and Andriod Auto.
The Chevy Equinox has a positive reliability rating, which helps insurance companies have faith in your vehicle. The drivetrain choice affects the insurance premium price as AWD is safer in complex road conditions. The Equinox has an AIP range of $1,511-$2,560.
3. Toyota RAV4
The Toyota RAV4 seats five and has a long list of safety features that assist in bringing the annual premium price down. The RAV4 has large cargo space with a comfortable and roomy cabin.
The RAV4 is offered in both FWD and AWD drivetrain platforms and gets great gas mileage for a small SUV. The RAV4 has an AIP range of $1,555- $2,475 depending on your location, age, and trim level of your RAV4.
4. Ford Escape
The Ford Escape presents a well-balanced ride and superb handling for the small SUV class. The Escape is equipped with a user-friendly infotainment system that is compatible with both Apple Car Play and Andriod Auto.
The Escape has an AIP range of $1,476- $2,834 and is offered in either FWD or AWD. The Escape seats five, but the interior cabin materials are lacking.
5. Subaru Forester
The Subaru Forester achieves great fuel milage offering 26 miles per gallon (MPG) city and 33 MPG highway. AWD comes standard in the Forester which helps bring the insurance premium down in cost.
The Forester has an AIP of $1,465 which is the second-highest in its class on this list. The Forester seats five comfortably and is a 2021 IIHS top safety pick.
6. Fiat 500L
The Fiat 500L is a unique Italian-made vehicle that is offered in FWD with a single-engine option that procedures 160 horsepower (HP). While the HP may seem underwhelming, the lower HP is what helps this vehicle achieve a lower AIP.
The 500L seats five and has a large cargo hold and roomy cabin. The seats are firm, and the fuel economy is average for its vehicle class. The 500L has an AIP of $1,364.
7. Hyundai Elantra
The Hyundai Elantra is fuel efficient boasting 33 MPG city and 43 MPG highway. The Elantra has a spacious interior with gentle ride quality.
The Elantra is equipped with a long list of standard features and has an AIP range of $1,673-$2,640. The Elantra is only offered in FWD with a seating capacity of five.
8. Jeep Wrangler
The Jeep Wrangler is known for its' incredible offroad ability. With a 4-wheel drive (4WD) drivetrain and seating for five, the Wrangler is the most offroad capable vehicle on the list today.
The Wrangler offers a stiff ride that is on the rougher side compared to other vehicles in its class. The base Wrangler comes equipped with a 285-horsepower (HP) Pentastar V6 engine and has an AIP of $1,416.
9. Subaru Outback
The Subaru Outback body style is a mix between an SUV and a wagon. With higher than average ground clearance, and an AWD drivetrain standard, the Outback has lower insurance cost due to its abundance of safety features to include Subaru's EyeSight technology.
The Outback has the lowest AIP in its class on this list at $1,392. The Outback seats five comfortably and has an abundance of cargo space in its wagon-style body. The base engine offered in the Outback underperforms compared to its rivals, but the base model does keep the AIP low.
10. Buick Enclave
The Buick Enclave is offered in both FWD and AWD and is a bit larger than the other two vehicles in its class. The Enclave offers seating for seven with a third row.
The Enclave has a comfortable interior and has an overall good IIHS rating. The Enclave has a great base engine power at 310 HP. The Enclave has an AIP of $1,472 and is the highest amount to insure in its class for this comparison.
11. Honda Accord
The Honda Accord is a popular FWD midsize sedan that won 2021's U.S. News Best Midsize Car for Families award. The Accord seats five comfortably and has engaging handling which makes it fun to drive.
The Accord has an AIP range of $1,667-$3,042 which varies dependent on the model and trim level of the Accord you purchase. The Accord has a large trunk and an upscale interior compared to the other vehicles in the midsize sedan class.
12. Mazda 3
The Mazda 3 is equipped with both sharp handling and upscale interior cabin materials. The Mazada3 is offered in both FWD and AWD, seats five, and archives 28 MPG city and 36 MPG highway.
With an AIP of $1,400, the Mazda 3 is one of the least expensive cars to insure that are fun to drive, with plenty of space for others to join in on the fun.
13. BMW 3 Series
The BMW 3 Series is the only luxury car in the lineup and is the cheapest BMW to insure. The 3 Series offers a spacious cabin and trunk with a luxury interior and quick acceleration. The acceleration is produced by your choice of engine ranging from 180 HP to 382 HP. The bigger the engine, however, the higher the AIP.
The 3 Series is compatible with both Apple Car Play and Andriod Auto and has advanced infotainment and safety features standard. The 3 Series seats five and is offered in both RWD and AWD. The 3 Series has an IIHS rating of superior in all categories. The BMW 3 Series has an AIP of $2,150, which is actually lower than the Dodge Charger.
14. Ford F-150
The Ford F-150 has class-leading towing and hauling capabilities standard. The F-150 utilizes an RWD and 4WD drivetrain which can be selected back and forth dependant on your terrain. The F-150 seats three to six depending on the trim and model you choose. The Ford F series was America's best-selling vehicle in 2020 and is sure to make the list in 2021.
The F-150 is not as upscale and comfortable as some of its competitors but the F series line has a variety of trim level options to satisfy anyone. The F-150 has an AIP range of $1,505- $2,471, which is the lowest range for trucks on our list.
15. Nissan Frontier
The Nissan Frontier is offered with a single-engine option outputting 310 HP through an RWD and 4WD drivetrain. The Frontier is easy to drive and achieves average gas mileage for its vehicle class.
The interior of the Frontier is outdated, and the cabin is loud from road noise while driving. The Frontier has an AIP of $2,687 and has acceptable ratings through IIHS.
16. GMC Canyon
The GMC Canyon has great towing capacity for its class and extremely responsive handling for a truck. Offered in an RWD, 4WD combination drivetrain, engine options on the Canyon range from 181 HP to 308 HP. The infotainment system is user-friendly and compatible with both Apple Car Play and Andriod Auto.
The Canyon has a unique teen-friendly safety feature that lets you set the speed and audio volume limits for secondary drivers. The Canyon has an AIP of $2,634 and seats four to five depending on the model.
17. Toyota Tacoma
The Toyota Tacoma is an outstanding off-road-ready truck with a long list of standard safety features. These safety features help the Toyota Tacoma achieve a good IIHS rating, as well as lower insurance premiums.
The Tacoma seats four to five and is equipped with a 4WD drivetrain. Engine options on the Tacoma range from 159 HP to 278 HP and the infotainment system is user-friendly. The Tacoma has an AIP range of $1,527- $2,670.
18. Honda Odyssey
The Honda Odyssey seats seven to eight utilizing a third-row seat. The Odyssey is built with an FWD drivetrain and comes equipped with a 280 HP engine. The Odyssey has a lengthy list of safety features, allowing a drop in the AIP rating. Some of these features include forward collision warning, automatic emergency braking, lane departure warning, and lane-keep assist.
The Odyssey is built with high-end cabin materials which give the minivan an overall great feel when inside. The Odyssey is an IIHS 2021 Top Saftey Pick, and a great all-around family vehicle. The Odyssey has an AIP of $2,457.
19. Chrysler Pacifica
The Chrysler Pacifica seats seven and is offered in both FWD and AWD. The AWD option is looked at more favorably by insurance companies as AWD provides more traction in all weather environments providing a safer ride. With a 287 HP engine option, the Pacifica is no slouch.
The Pacifica has smooth ride quality and an extensive list of features to ensure cabin comfort. The AWD Pacifica achieves lesser fuel efficiency but better overall safety ratings. The Pacifica has an AIP of $2,416, which is right in line with other vehicles in its class on this list.
First, seek insurance quotes from various car insurance companies to ensure you are getting the best auto insurance rates possible.
Insurers can be found locally or nationally and either choice has its perks and downsides. In some instances, a local insurance company may have higher rates than the popular nationally ranked insurance policy.
Some of the popular insurance companies that compete nationally are Geico, Progressive, and State Farm.
Insurance costs vary between companies and are based on your driving record, safety features offered in your vehicle, and the year, make, and model of your vehicle.
Other factors that affect your car insurance premiums consist of whether you choose full coverage, liability, a new car or used car, and your deductible amount. Your age, gender, location, and credit score also play a role in your offered insurance rates.
A new vehicle will also cost more to insure than a used vehicle in some cases as the parts on a new vehicle are more expensive than a used vehicle.