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What's the Most Affordable Vehicle to Insure?

Jeep has three models in the top 10.
Image: Jeep
The Jeep logo is seen on a parking lot in Sterling, Virginia on January 2, 2015.PAUL J. RICHARDS / AFP - Getty Images
/ Source: The Detroit Bureau

Jeeps are thought of go-anywhere vehicles engaged in treks that might cause a bump, scrape or significant collision. Despite this confluence of capability and possibility, the Jeep Wrangler Sport 4WD is the least expensive vehicle to insure. Two other Jeep models joined the Wrangler among the top 10 least expensive vehicles, according to Insure.com.

The average premium for the U.S. is $1,555, although it varies greatly depending upon where you live. “Insurance rates are all about claims – how many and how big,” said Penny Gusner, consumer analyst at Insure.com. “Cars that are cheapest to insure typically are easy to repair or have fewer claims or both."

The Wrangler can cost as little as $694 annually to insure in Maine and as much as $2,027 in Michigan, which has some of the highest rates in the nation. Below is the list of the least expensive vehicles.

  1. Jeep Wrangler Sport 4WD - $1,134
  2. Jeep Patriot Sport 2WD - $1,136
  3. Honda CR-V LX 4WD - $1,160
  4. Dodge Grand Caravan SE Plus - $1,162
  5. Honda Odyssey LX - $1,163
  6. Jeep Compass Sport 2WD - $1,164
  7. Subaru Outback 2.5i - $1,176
  8. Ford Edge SE 2WD - $1,176
  9. Smart ForTwo Pure - $1,186
  10. Ford Escape S 2WD - $1,190

The most expensive vehicle to insure on average? The Nissan GT-R Nismo at $3,574 annually. The averages were calculated using data from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 zip codes per state, according to Insure.com.

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-- Mike Strong