Best Cars for Insurance

Budget Kings of 2026

If you want the lowest insurance bill possible in 2026, your choice of vehicle is the most important variable. Small-to-midsize SUVs and minivans continue to dominate the “cheapest to insure” lists due to their high safety ratings and moderate repair costs.

The Top 5 Cheapest 2026 Models to Insure:

1. Subaru Outback: The perennial winner thanks to its standard AWD safety features and durable build.
2. Honda CR-V: High parts availability makes this a favorite for insurance adjusters.
3. Subaru Forester: Similar to the Outback, its EyeSight technology earns major safety credits.
4. Honda HR-V: The budget-friendly crossover with one of the lowest loss-ratio scores in the US.
5. Volkswagen Tiguan: A surprise contender with competitive premiums in 2026.

Avoid the “Insurance Premium Tax”: High-performance sports cars and high-end luxury EVs (like the Tesla Model S or Porsche Taycan) can cost 3x more to insure than the vehicles listed above.