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Cheapest Cars to Insure for Teen Drivers

The cheapest cars to insure for teens are practical, safe, low-loss models — the Chevrolet Express is cheapest at about $690/yr. Ranked from real HLDI insurance-loss data; sporty and high-power cars excluded.

By ForCar Research · Loss data HLDI · Premiums NAIC
Cheapest cars to insure

The cheapest cars to insure share a clear profile: low theft, low repair cost and low injury claims. On our data the Chevrolet Express is cheapest — about $690/yr at the US average, roughly 52% below a typical car. Every figure below is the state-average premium × each car's real HLDI insurance-loss index — use the calculator for your state.

CHEAPEST
Express
cheapest ($690/yr)
PER YEAR
$690
cheapest est. premium
GROUP AVG
$1,467
average for these cars
RANKED
293
cars with real data
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Cheapest Cars to insure — full ranking

Estimated annual premium at the US average, cheapest first — real HLDI insurance-loss index. Click a model for its full page.

FIG.01
#VehicleEst. premiumvs averageVerdict
1Chevrolet Express$690/yr48% of avgCheap
2Buick Rendezvous$938/yr65% of avgCheap
3Subaru Forester$946/yr66% of avgCheap
4Buick Terraza$951/yr66% of avgCheap
5Ford E-350$951/yr66% of avgCheap
6GMC Acadia$958/yr67% of avgCheap
7Mini Cooper$959/yr67% of avgCheap
8Subaru Outback$959/yr67% of avgCheap
9GMC Savana$961/yr67% of avgCheap
10Subaru Crosstrek$978/yr68% of avgCheap
11Subaru Ascent$989/yr69% of avgCheap
12Volkswagen Golf Alltrack$992/yr69% of avgCheap
13Volkswagen Golf$1,001/yr70% of avgCheap
14Ford Freestyle$1,002/yr70% of avgCheap
15RAM ProMaster 3500$1,011/yr70% of avgCheap
16Ford Five Hundred$1,015/yr71% of avgCheap
17Nissan Xterra$1,018/yr71% of avgCheap
18Ford Transit$1,020/yr71% of avgCheap
19Honda Pilot$1,020/yr71% of avgCheap
20Ford Taurus X$1,021/yr71% of avgCheap
21Ford Ranger$1,038/yr72% of avgCheap
22Hyundai Entourage$1,044/yr73% of avgCheap
23Volkswagen GTI$1,047/yr73% of avgCheap
24Fiat 500X$1,054/yr73% of avgCheap
25Toyota FJ Cruiser$1,064/yr74% of avgCheap
26Mazda CX-50$1,067/yr74% of avgCheap
27Mazda MPV$1,079/yr75% of avgCheap
28Toyota 4-Runner$1,080/yr75% of avgCheap
29Mercedes-Benz Metris$1,091/yr76% of avgCheap
30Chevrolet Uplander$1,099/yr76% of avgCheap
ROWS 30·SOURCE HLDI × NAIC
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Top 15 cheapest cars to insure

Estimated annual premium at the US average — the cheapest cars to insure.

FIG.02
01
Chevrolet Express48% of avg$690
02
Buick Rendezvous65% of avg$938
03
Subaru Forester66% of avg$946
04
Buick Terraza66% of avg$951
05
Ford E-35066% of avg$951
06
GMC Acadia67% of avg$958
07
Mini Cooper67% of avg$959
08
Subaru Outback67% of avg$959
09
GMC Savana67% of avg$961
10
Subaru Crosstrek68% of avg$978
11
Subaru Ascent69% of avg$989
12
Volkswagen Golf Alltrack69% of avg$992
13
Volkswagen Golf70% of avg$1,001
14
Ford Freestyle70% of avg$1,002
15
RAM ProMaster 350070% of avg$1,011
TOP 15·UNIT est. $/yr (US avg)·SOURCE HLDI × NAIC
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What makes a car cheap to insure

Insurers price a car on how much it costs them — exactly what the HLDI loss index measures. The big factors:

Repair costCheap, common parts and simple builds keep collision claims low.
Theft rateRarely-stolen models keep comprehensive premiums down.
Power & speedModest engines mean fewer and less-severe crashes.
SafetyStrong crash ratings and driver-assist cut injury claims.
Who drives itFamily-oriented cars are driven more carefully; sporty ones aren't.
ValueA pricier car costs more to replace, raising collision and comprehensive.

Check any car in your state

This ranking uses the US average. Pick a specific car and state below for its estimated annual premium — same real HLDI loss data.

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Cheapest Cars to Insure for Teen Drivers — FAQ

What is the cheapest car to insure?
The Chevrolet Express is the cheapest car to insure in our data — about $690/yr at the US average, roughly 52% below a typical car.
How is this ranking calculated?
We rank cars by their real HLDI insurance-loss index (how much each costs insurers versus an average car, 100 = average) and estimate the premium as the US-average premium × that index. It's an estimate for a typical driver, full coverage — not a quote.
Are cars cheaper to insure than other cars?
The cars on this list run well below the average car; cars with low theft, repair and injury losses are among the cheapest vehicles to insure overall.
Does the state I live in change this?
Yes — these figures use the US average. Your state can move the premium up or down by 30%+ . Use the calculator or see cost by state.
Ranking computed by ForCar from HLDI/IIHS insurance-loss indices (relative losses versus an average car, 100 = average) combined with NAIC US average premium (2023). Estimates assume a typical driver, full coverage; your quote varies with state, age, record and coverage. For research and comparison, not a quote. Reviewed by Denis Kataev, founder of ForCar.
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