The cheapest sedans to insure share a clear profile: low theft, low repair cost and low injury claims. On our data the Mini Cooper is cheapest — about $959/yr at the US average, roughly 33% 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.
Across the 89 sedans we price, insurance averages 118% of what a typical vehicle costs to insure — roughly $1,697/yr against the $1,438 national average. Within this list the gap is $3,668 a year between the cheapest and the other end — same coverage, different car. The top of this ranking is mostly Volkswagen, Buick, Toyota. HLDI loss data × NAIC premiums.
Cheapest Sedans 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.
| # | Vehicle | Est. premium | vs average | Verdict |
|---|---|---|---|---|
| 1 | Mini Cooper | $959/yr | 67% of avg | Cheap |
| 2 | Volkswagen Golf | $1,001/yr | 70% of avg | Cheap |
| 3 | Ford Five Hundred | $1,015/yr | 71% of avg | Cheap |
| 4 | Volkswagen GTI | $1,047/yr | 73% of avg | Cheap |
| 5 | Volkswagen Golf R | $1,112/yr | 77% of avg | Cheap |
| 6 | Chevrolet SS | $1,186/yr | 83% of avg | Cheap |
| 7 | Kia Amanti | $1,189/yr | 83% of avg | Cheap |
| 8 | Subaru Legacy | $1,199/yr | 83% of avg | Cheap |
| 9 | Ford Crown Victoria | $1,212/yr | 84% of avg | Cheap |
| 10 | Chevrolet Volt | $1,251/yr | 87% of avg | Cheap |
| 11 | Honda Civic Type R | $1,251/yr | 87% of avg | Cheap |
| 12 | Buick Lucerne | $1,265/yr | 88% of avg | Cheap |
| 13 | Pontiac G8 | $1,265/yr | 88% of avg | Cheap |
| 14 | Toyota Prius Prime | $1,270/yr | 88% of avg | Cheap |
| 15 | Volkswagen Rabbit | $1,280/yr | 89% of avg | Cheap |
| 16 | Saturn Aura | $1,309/yr | 91% of avg | Cheap |
| 17 | Kia Cadenza | $1,322/yr | 92% of avg | Cheap |
| 18 | Nissan Leaf | $1,323/yr | 92% of avg | Cheap |
| 19 | Toyota GR Corolla | $1,324/yr | 92% of avg | Average |
| 20 | Honda Clarity | $1,355/yr | 94% of avg | Average |
| 21 | Toyota Prius C | $1,385/yr | 96% of avg | Average |
| 22 | Hyundai Azera | $1,389/yr | 97% of avg | Average |
| 23 | Buick LaCrosse | $1,414/yr | 98% of avg | Average |
| 24 | Toyota Avalon | $1,428/yr | 99% of avg | Average |
| 25 | Volkswagen Passat | $1,428/yr | 99% of avg | Average |
| 26 | Buick Regal | $1,441/yr | 100% of avg | Average |
| 27 | Nissan Juke | $1,442/yr | 100% of avg | Average |
| 28 | Buick Verano | $1,444/yr | 100% of avg | Average |
| 29 | Hyundai Ioniq 6 | $1,462/yr | 102% of avg | Average |
| 30 | Subaru WRX | $1,468/yr | 102% of avg | Average |
Top 15 cheapest sedans to insure
Estimated annual premium at the US average — the cheapest sedans to insure.
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What makes a sedan cheap to insure
Insurers price a car on how much it costs them — exactly what the HLDI loss index measures. The big factors:
Safety is one of the biggest levers — cars with top crash-test scores file fewer injury claims. See the safest cars by crash-test score.
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.
Cheapest Sedans to Insure — frequently asked
What is the cheapest sedan to insure?
The Mini Cooper is the cheapest sedan to insure in our data — about $959/yr at the US average, roughly 33% below a typical car.
How is this ranking calculated?
We rank sedans 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 sedans cheaper to insure than other cars?
The sedans on this list run well below the average car; sedans 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.