Cheapest car insurance by brand in the U.S.: what the data shows

With car and maintenance costs climbing, more drivers are looking for ways to rein in their insurance bills. Consumer Reports, working with Insurify, analyzed more than 90 million real quotes from insurers across the United States and highlighted the vehicle brands that are the cheapest to cover.

Subaru tops the list with an average annual premium of $2,088. The result is tied to strong safety performance, dependable reliability, and easy access to parts. Forester, Crosstrek, and Impreza stand out in particular, regularly appearing among the best options for cost-conscious owners. It’s a result that feels logical: insurers tend to favor brands that keep risks and repair costs predictable.

Buick lands in second place at $2,148. Volvo and GMC follow with average premiums of $2,184, while Mini rounds out the top five at $2,208.

In a surprise, Jeep takes sixth place: despite ongoing criticism around reliability, its average premium sits at $2,268. Rounding out the top ten are Mazda, Ford, Chevrolet, and Honda—an order that shows underwriting math doesn’t always line up with public perception.

Honda, known for a particularly strong reputation on the used market, averages $2,376 a year for insurance. Pickups are about 16% cheaper to insure than sedans, which may help explain the strong showing for Ford and Chevrolet given the popularity of their trucks.

Premiums also hinge on factors like age, credit history, location, and vehicle equipment. Safety tech and electronic driver aids can noticeably cut costs. Before buying, it’s worth comparing insurance quotes—doing so can save hundreds of dollars a year and, at times, even influence which car feels smartest to own, especially when shopping used.