The cheapest sports cars to insure share a clear profile: low theft, low repair cost and low injury claims. On our data the Saturn SKY is cheapest — about $892/yr at the US average, roughly 38% 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 51 sports cars we price, insurance averages 248% of what a typical vehicle costs to insure — roughly $3,566/yr against the $1,438 national average. Within this list the gap is $9,697 a year between the cheapest and the other end — same coverage, different car. The top of this ranking is mostly Porsche, Audi, Mercedes-Benz. HLDI loss data × NAIC premiums.
Cheapest Sports 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.
| # | Vehicle | Est. premium | vs average | Verdict |
|---|---|---|---|---|
| 1 | Saturn SKY | $892/yr | 62% of avg | Cheap |
| 2 | Mazda MX-5 | $999/yr | 70% of avg | Cheap |
| 3 | Pontiac Solstice | $1,079/yr | 75% of avg | Cheap |
| 4 | BMW Z4 | $1,096/yr | 76% of avg | Cheap |
| 5 | Chrysler Crossfire | $1,096/yr | 76% of avg | Cheap |
| 6 | Porsche Cayman | $1,251/yr | 87% of avg | Cheap |
| 7 | Chevrolet Corvette | $1,290/yr | 90% of avg | Cheap |
| 8 | Mercedes-Benz SLK-Class | $1,416/yr | 99% of avg | Average |
| 9 | Porsche Boxster | $1,419/yr | 99% of avg | Average |
| 10 | Nissan 350Z | $1,460/yr | 102% of avg | Average |
| 11 | Audi TT | $1,513/yr | 105% of avg | Average |
| 12 | Cadillac XLR | $1,575/yr | 110% of avg | Average |
| 13 | Ford Mustang | $1,590/yr | 111% of avg | Average |
| 14 | Toyota Supra | $1,730/yr | 120% of avg | Pricey |
| 15 | Lexus SC | $1,913/yr | 133% of avg | Pricey |
| 16 | Mazda RX-8 | $1,980/yr | 138% of avg | Pricey |
| 17 | Porsche Taycan | $1,986/yr | 138% of avg | Pricey |
| 18 | Pontiac GTO | $2,028/yr | 141% of avg | Pricey |
| 19 | Jaguar XK | $2,056/yr | 143% of avg | Pricey |
| 20 | Porsche 911 | $2,140/yr | 149% of avg | Pricey |
| 21 | Nissan 370Z | $2,187/yr | 152% of avg | Pricey |
| 22 | Mercedes-Benz SLC-Class | $2,235/yr | 155% of avg | Pricey |
| 23 | Audi TT RS | $2,261/yr | 157% of avg | Pricey |
| 24 | Audi e-tron GT | $2,325/yr | 162% of avg | Pricey |
| 25 | Honda S2000 | $2,330/yr | 162% of avg | Pricey |
| 26 | Aston Martin DB9 | $2,642/yr | 184% of avg | Pricey |
| 27 | Mercedes-Benz SL-Class | $2,712/yr | 189% of avg | Pricey |
| 28 | Alfa Romeo 4C | $2,725/yr | 190% of avg | Pricey |
| 29 | Ferrari F430 | $2,747/yr | 191% of avg | Pricey |
| 30 | Audi TTS | $2,783/yr | 194% of avg | Pricey |
Top 15 cheapest sports cars to insure
Estimated annual premium at the US average — the cheapest sports cars to insure.
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What makes a sports car 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 Sports Cars to Insure — frequently asked
What is the cheapest sports car to insure?
The Saturn SKY is the cheapest sports car to insure in our data — about $892/yr at the US average, roughly 38% below a typical car.
How is this ranking calculated?
We rank sports 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 sports cars cheaper to insure than other cars?
The sports cars on this list run well below the average car; sports 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.