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Cheapest Sports Cars to Insure

The cheapest sports cars to insure, ranked from real HLDI insurance-loss data — the Mazda MX-5 is cheapest at about $999/yr. 48 sports cars ranked, not a quote form.

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

The cheapest sports cars to insure share a clear profile: low theft, low repair cost and low injury claims. On our data the Mazda MX-5 is cheapest — about $999/yr at the US average, roughly 31% 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
MX-5
cheapest ($999/yr)
PER YEAR
$999
cheapest est. premium
GROUP AVG
$3,710
average for these sports cars
RANKED
48
sports cars with real data
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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.

FIG.01
#VehicleEst. premiumvs averageVerdict
1Mazda MX-5$999/yr70% of avgCheap
2BMW Z4$1,096/yr76% of avgCheap
3Chrysler Crossfire$1,096/yr76% of avgCheap
4Porsche Cayman$1,251/yr87% of avgCheap
5Chevrolet Corvette$1,290/yr90% of avgCheap
6Mercedes-Benz SLK-Class$1,416/yr99% of avgAverage
7Porsche Boxster$1,419/yr99% of avgAverage
8Nissan 350Z$1,460/yr102% of avgAverage
9Audi TT$1,513/yr105% of avgAverage
10Cadillac XLR$1,575/yr110% of avgAverage
11Ford Mustang$1,590/yr111% of avgAverage
12Toyota Supra$1,730/yr120% of avgPricey
13Lexus SC$1,913/yr133% of avgPricey
14Mazda RX-8$1,980/yr138% of avgPricey
15Porsche Taycan$1,986/yr138% of avgPricey
16Jaguar XK$2,056/yr143% of avgPricey
17Porsche 911$2,140/yr149% of avgPricey
18Nissan 370Z$2,187/yr152% of avgPricey
19Mercedes-Benz SLC-Class$2,235/yr155% of avgPricey
20Audi TT RS$2,261/yr157% of avgPricey
21Audi e-tron GT$2,325/yr162% of avgPricey
22Honda S2000$2,330/yr162% of avgPricey
23Aston Martin DB9$2,642/yr184% of avgPricey
24Mercedes-Benz SL-Class$2,712/yr189% of avgPricey
25Alfa Romeo 4C$2,725/yr190% of avgPricey
26Ferrari F430$2,747/yr191% of avgPricey
27Audi TTS$2,783/yr194% of avgPricey
28Chevrolet Camaro$3,424/yr238% of avgPricey
29Porsche Panamera$3,532/yr246% of avgPricey
30Ferrari California$4,012/yr279% of avgPricey
ROWS 30·SOURCE HLDI × NAIC
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Top 15 cheapest sports cars to insure

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

FIG.02
01
Mazda MX-570% of avg$999
02
BMW Z476% of avg$1,096
03
Chrysler Crossfire76% of avg$1,096
04
Porsche Cayman87% of avg$1,251
05
Chevrolet Corvette90% of avg$1,290
06
Mercedes-Benz SLK-Class99% of avg$1,416
07
Porsche Boxster99% of avg$1,419
08
Nissan 350Z102% of avg$1,460
09
Audi TT105% of avg$1,513
10
Cadillac XLR110% of avg$1,575
11
Ford Mustang111% of avg$1,590
12
Toyota Supra120% of avg$1,730
13
Lexus SC133% of avg$1,913
14
Mazda RX-8138% of avg$1,980
15
Porsche Taycan138% of avg$1,986
TOP 15·UNIT est. $/yr (US avg)·SOURCE HLDI × NAIC
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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:

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 sports 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 Sports Cars to Insure — FAQ

What is the cheapest sports car to insure?
The Mazda MX-5 is the cheapest sports car to insure in our data — about $999/yr at the US average, roughly 31% 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.
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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