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Cheapest Sedans to Insure

The cheapest sedans to insure, ranked from real HLDI insurance-loss data — the Mini Cooper is cheapest at about $959/yr. 83 sedans ranked, not a quote form.

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

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.

CHEAPEST
Cooper
cheapest ($959/yr)
PER YEAR
$959
cheapest est. premium
GROUP AVG
$1,711
average for these sedans
RANKED
83
sedans with real data
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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.

FIG.01
#VehicleEst. premiumvs averageVerdict
1Mini Cooper$959/yr67% of avgCheap
2Volkswagen Golf$1,001/yr70% of avgCheap
3Ford Five Hundred$1,015/yr71% of avgCheap
4Volkswagen GTI$1,047/yr73% of avgCheap
5Volkswagen Golf R$1,112/yr77% of avgCheap
6Chevrolet SS$1,186/yr83% of avgCheap
7Kia Amanti$1,189/yr83% of avgCheap
8Subaru Legacy$1,199/yr83% of avgCheap
9Ford Crown Victoria$1,212/yr84% of avgCheap
10Chevrolet Volt$1,251/yr87% of avgCheap
11Honda Civic Type R$1,251/yr87% of avgCheap
12Buick Lucerne$1,265/yr88% of avgCheap
13Volkswagen Rabbit$1,280/yr89% of avgCheap
14Kia Cadenza$1,322/yr92% of avgCheap
15Nissan Leaf$1,323/yr92% of avgCheap
16Toyota GR Corolla$1,324/yr92% of avgAverage
17Honda Clarity$1,355/yr94% of avgAverage
18Toyota Prius C$1,385/yr96% of avgAverage
19Hyundai Azera$1,389/yr97% of avgAverage
20Toyota Prius$1,409/yr98% of avgAverage
21Buick LaCrosse$1,414/yr98% of avgAverage
22Toyota Avalon$1,428/yr99% of avgAverage
23Volkswagen Passat$1,428/yr99% of avgAverage
24Buick Regal$1,441/yr100% of avgAverage
25Nissan Juke$1,442/yr100% of avgAverage
26Buick Verano$1,444/yr100% of avgAverage
27Hyundai Ioniq 6$1,462/yr102% of avgAverage
28Subaru WRX$1,468/yr102% of avgAverage
29Honda Insight$1,470/yr102% of avgAverage
30Volvo S40$1,471/yr102% of avgAverage
ROWS 30·SOURCE HLDI × NAIC
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Top 15 cheapest sedans to insure

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

FIG.02
01
Mini Cooper67% of avg$959
02
Volkswagen Golf70% of avg$1,001
03
Ford Five Hundred71% of avg$1,015
04
Volkswagen GTI73% of avg$1,047
05
Volkswagen Golf R77% of avg$1,112
06
Chevrolet SS83% of avg$1,186
07
Kia Amanti83% of avg$1,189
08
Subaru Legacy83% of avg$1,199
09
Ford Crown Victoria84% of avg$1,212
10
Chevrolet Volt87% of avg$1,251
11
Honda Civic Type R87% of avg$1,251
12
Buick Lucerne88% of avg$1,265
13
Volkswagen Rabbit89% of avg$1,280
14
Kia Cadenza92% of avg$1,322
15
Nissan Leaf92% of avg$1,323
TOP 15·UNIT est. $/yr (US avg)·SOURCE HLDI × NAIC
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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:

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 sedans 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 Sedans to Insure — FAQ

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.
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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