Based on insurance rate analysis, CarInsurance.com found that SUVs are the cheapest type of car to insure, largely because of their safety features.
Insurance companies consider many factors when determining insurance rates, and one of the main factors is the type of vehicle being insured. Sixteen out of the 20 cheapest vehicles to insure in 2026 are SUVs with standard advanced driver assistance systems, the auto insurance comparison site said. Safety features that are factored into insurance premiums include airbags, lane departure, backup cameras and automatic restraint systems,
CarInsurance.com explained that family-friendly vehicles are often the cheapest to insure because they have smaller engines, strong safety features and are often driven by parents who are more cautious drivers. Lower repair costs are also a factor.
The analysis found that the least expensive vehicle to insure in 2026 is the Subaru Crosstrek with an average of $1,150 for six months or $192 per month. Subaru has the most models in the top 20 list with four including the Crosstrek, Outback, Forester and Impreza.
Other affordably insured vehicles include the Jeep Wrangler, Honda CR-V and Volkswagen Tiguan.
