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US mapEver wonder what is the cheapest car to insure where you live?

We have the answer for you. We ran the numbers to identify the cheapest 2020 car to insure in each state and came up with six vehicles. This is a pretty dramatic contraction from 2019 when there were 15 models making up our list -- this year, a mere six vehicles fit the bill. While our list is a bit shorter this year, it still offers a variety of vehicle types. Models ranging from Jeeps to small cars to mini vans are among the cheapest vehicles to insure across the nation.

Cost to insure the cheapest 2020 vehicles

Jeep was by far the big winner. The Jeep Wrangler Black and Tan was the cheapest 2020 model to insure in 20 states and the District of Columbia, and the Wrangler Freedom in seven states and D.C. The Chrysler Voyager was the cheapest to insure in nine states, while the Chevy Express 2500 (a cargo van) was top of the heap in seven states. Rounding out the list is the Hyundai Kona with five states and the Buick Envision bringing up the rear with two states.

In 2019, there were seven vehicles that were the cheapest to insure in a single state. This year no vehicle had that distinction, but the Buick Envision this year is the vehicle that is cheapest to insure in the fewest states, two.

When looking at the cost to insure the cheapest car in every state, premiums varied dramatically across states, with Maine claiming the top spot. In the Pine Tree State, you can insure a Jeep Wrangler Black and Tan for $689 a year. This is hardly a surprise, Maine is often on top of cheapest states for car insurance lists due to its small population and rural setting.

On the other side of the spectrum is Michigan, where insuring a 2020 Chevrolet Express G2500 will run $2,256. This is not really a surprise either. Michigan was the most expensive state last year as well. The Wolverine State historically has always been at the top of the list for most expensive states for car insurance due to its unique unlimited personal injury protection benefits system that was in place for decades. Despite changes signed into law by the governor last year to mitigate this, prices have yet to drop.

The national average for the cost to insure the cheapest car in every state came in at $1,407.

Most of the vehicles on our list have a few things in common, they are pretty affordable, loaded with safety features as standard equipment and tend to be driven by safety conscious drivers -- all things that insurance companies love.

The premium can vary pretty dramatically between states, even with the same car. As an example, insuring the Chevy G2500 can cost anywhere between $1,028 in Virginia and $2,256 in Michigan, which is a 119% increase.

2020: Top 5 cheapest cars to insure in every state

You’ll see in the table below which 2020 vehicles are the cheapest to insure in your state. Enter the name of a state to see the five cheapest vehicles, and their average rates for a full coverage policy for driver age 30. Keep reading for an analysis of which vehicles were the most affordable to insure in every state.

Cheapest Cars to Insure for 2020
State Make Model Style Rate
AlaskaJeepWrangler Black and Tan4WD 2 Door Utility$962
AlaskaChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,176
AlaskaChryslerVoyager L4 Door Minivan$1,194
AlaskaChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,196
AlaskaHyundaiKona SEL Plus4WD 4 Door Utility$1,210
AlabamaChryslerVoyager L4 Door Minivan$1,373
AlabamaHyundaiKona SEL Plus2WD 4 Door Utility$1,377
AlabamaChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,378
AlabamaChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,397
AlabamaJeepWrangler Unlimited Willys Wheeler4WD 4 Door Utility$1,399
ArkansasJeepWrangler Black and Tan4WD 2 Door Utility$1,379
ArkansasChryslerVoyager L4 Door Minivan$1,529
ArkansasHyundaiKona SEL Plus2WD 4 Door Utility$1,533
ArkansasBuickEnvision Preferred4 Door 2WD Utility Turbo$1,558
ArkansasBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,558
ArizonaChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,296
ArizonaChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,305
ArizonaHyundaiKona SEL Plus2WD 4 Door Utility$1,335
ArizonaChryslerVoyager L4 Door Minivan$1,343
ArizonaBuickEnvision Preferred4 Door 2WD Utility Turbo$1,345
CaliforniaJeepWrangler Black and Tan4WD 2 Door Utility$1,558
CaliforniaChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,841
CaliforniaChryslerVoyager L4 Door Minivan$1,852
CaliforniaChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,889
CaliforniaBuickEnvision Preferred4 Door 2WD Utility Turbo$1,906
ColoradoChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,635
ColoradoHyundaiKona SEL Plus2WD 4 Door Utility$1,654
ColoradoChryslerVoyager L4 Door Minivan$1,666
ColoradoBuickEnvision Preferred4 Door 2WD Utility Turbo$1,669
ColoradoBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,669
ColoradoChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,674
ConnecticutChryslerVoyager L4 Door Minivan$1,496
ConnecticutHyundaiKona SEL Plus2WD 4 Door Utility$1,580
ConnecticutBuickEnvision Preferred4 Door 2WD Utility Turbo$1,596
ConnecticutBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,596
ConnecticutMazdaCX-5 Grand Touring Reserve4WD 4 Door Utility$1,602
ConnecticutSubaruOutback 2.4I Limited XT4 Door Wagon AWD PZEV$1,611
DCJeepWrangler Freedom4WD 2 Door Utility Turbo$1,474
DCChryslerVoyager L4 Door Minivan$1,774
DCJeepGrand Cherokee Laredo E2WD 4 Door Utility$1,804
DCChryslerVoyager LX4 Door Minivan$1,813
DCBuickEnvision Preferred4 Door 2WD Utility Turbo$1,821
DelawareJeepWrangler Black and Tan4WD 2 Door Utility$1,452
DelawareChryslerVoyager L4 Door Minivan$1,534
DelawareBuickEnvision Preferred4 Door 2WD Utility Turbo$1,606
DelawareBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,606
DelawareChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,620
DelawareFordRanger XLT2WD 4 Door SuperCab Turbo$1,625
FloridaChryslerVoyager L4 Door Minivan$2,027
FloridaChryslerPacifica Touring-L 35th Anniversary4 Door Minivan$2,045
FloridaSubaruOutback 2.4I Limited XT4 Door Wagon AWD PZEV$2,069
FloridaHyundaiKona SEL Plus2WD 4 Door Utility$2,103
FloridaBuickEnvision Preferred4 Door 4WD Utility Turbo$2,107
GeorgiaJeepWrangler Black and Tan4WD 2 Door Utility$1,571
GeorgiaSubaruOutback 2.4I Limited XT4 Door Wagon AWD PZEV$1,681
GeorgiaChryslerVoyager L4 Door Minivan$1,718
GeorgiaHyundaiKona SEL Plus2WD 4 Door Utility$1,723
GeorgiaMazdaCX-5 Grand Touring Reserve4WD 4 Door Utility$1,730
GeorgiaSubaruOutback 2.4I Onyx Edtion XT4 Door Wagon AWD$1,734
HawaiiJeepWrangler Freedom4WD 2 Door Utility Turbo$995
HawaiiChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,167
HawaiiChryslerVoyager L4 Door Minivan$1,185
HawaiiChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,186
HawaiiSubaruOutback 2.4I Onyx Edtion XT4 Door Wagon AWD$1,192
IowaBuickEnvision Preferred4 Door 2WD Utility Turbo$1,068
IowaBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,068
IowaHyundaiKona SEL Plus2WD 4 Door Utility$1,084
IowaChryslerVoyager L4 Door Minivan$1,095
IowaJeepWrangler Unlimited Sport Altitude4WD 4 Door Utility Turbo$1,125
IdahoJeepWrangler Freedom4WD 2 Door Utility Turbo$876
IdahoChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$978
IdahoChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$993
IdahoJeepGrand Cherokee Laredo E2WD 4 Door Utility$1,019
IdahoFiat124 Spyder Classica2WD 2 Door Convertible Turbo$1,023
IllinoisJeepWrangler Freedom4WD 2 Door Utility Turbo$1,237
IllinoisChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,261
IllinoisChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,300
IllinoisChryslerVoyager L4 Door Minivan$1,322
IllinoisHyundaiKona Limited2WD 4 Door Utility Electric$1,336
IllinoisHyundaiKona Ultimate2WD 4 Door Utility Electric$1,362
IndianaJeepWrangler Freedom4WD 2 Door Utility Turbo$1,085
IndianaFiat124 Spyder Classica2WD 2 Door Convertible Turbo$1,116
IndianaChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,162
IndianaChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,166
IndianaChryslerVoyager L4 Door Minivan$1,176
KansasHyundaiKona SEL Plus2WD 4 Door Utility$1,307
KansasBuickEnvision Preferred4 Door 2WD Utility Turbo$1,356
KansasBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,356
KansasFordRanger XLT2WD 4 Door SuperCab Turbo$1,362
KansasChryslerVoyager L4 Door Minivan$1,383
KentuckyChryslerVoyager L4 Door Minivan$1,486
KentuckyFordRanger Lariat2WD 4 Door SuperCab Turbo$1,517
KentuckyChryslerVoyager LX4 Door Minivan$1,537
KentuckySubaruOutback 2.4I Onyx Edtion XT4 Door Wagon AWD$1,543
KentuckyChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,548
KentuckyJeepWrangler Black and Tan4WD 2 Door Utility$1,548
LoiusianaJeepWrangler Black and Tan4WD 2 Door Utility$2,075
LoiusianaHyundaiKona SEL Plus2WD 4 Door Utility$2,125
LoiusianaChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$2,139
LoiusianaChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$2,150
LoiusianaSubaruOutback 2.4I Onyx Edtion XT4 Door Wagon AWD$2,186
MassachusettsJeepWrangler Black and Tan4WD 2 Door Utility$1,041
MassachusettsChryslerVoyager L4 Door Minivan$1,149
MassachusettsHyundaiKona SEL Plus2WD 4 Door Utility$1,178
MassachusettsChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,187
MassachusettsHyundaiKona SEL Plus4WD 4 Door Utility$1,188
MarylandJeepWrangler Black and Tan4WD 2 Door Utility$1,197
MarylandChryslerVoyager L4 Door Minivan$1,347
MarylandChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,385
MarylandBuickEnvision Preferred4 Door 2WD Utility Turbo$1,393
MarylandBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,393
MarylandHyundaiKona SEL Plus2WD 4 Door Utility$1,398
MaineJeepWrangler Black and Tan4WD 2 Door Utility$689
MaineChryslerVoyager L4 Door Minivan$809
MaineHyundaiKona SEL Plus4WD 4 Door Utility$813
MaineChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$816
MaineJeepGrand Cherokee Laredo E2WD 4 Door Utility$826
MichiganChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$2,256
MichiganChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$2,274
MichiganJeepWrangler Unlimited Sport RHD4WD 4 Door Utility$2,369
MichiganHyundaiKona Limited2WD 4 Door Utility Electric$2,520
MichiganFordRanger XLT2WD 4 Door SuperCab Turbo$2,522
MinnesotaJeepWrangler Freedom4WD 2 Door Utility Turbo$1,069
MinnesotaJeepGrand Cherokee Laredo E2WD 4 Door Utility$1,351
MinnesotaChevroletExpress G2500 LT2WD 3 Door Passenger Van Ext Flex Fuel$1,360
MinnesotaBuickEnvision Preferred4 Door 2WD Utility Turbo$1,371
MinnesotaHyundaiKona SEL Plus2WD 4 Door Utility$1,379
MissouriHyundaiKona SEL Plus2WD 4 Door Utility$1,264
MissouriBuickEnvision Preferred4 Door 2WD Utility Turbo$1,359
MissouriBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,359
MissouriChryslerVoyager L4 Door Minivan$1,366
MissouriJeepWrangler Unlimited Willys Wheeler4WD 4 Door Utility$1,383
MississippiJeepWrangler Black and Tan4WD 2 Door Utility$1,248
MississippiChryslerVoyager L4 Door Minivan$1,445
MississippiHyundaiKona SEL Plus2WD 4 Door Utility$1,492
MississippiBuickEnvision Preferred4 Door 2WD Utility Turbo$1,503
MississippiBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,503
MississippiHyundaiKona SEL Plus4WD 4 Door Utility$1,516
MontanaJeepWrangler Black and Tan4WD 2 Door Utility$1,409
MontanaHyundaiKona SEL Plus2WD 4 Door Utility$1,543
MontanaBuickEnvision Preferred4 Door 2WD Utility Turbo$1,559
MontanaBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,559
MontanaChryslerVoyager L4 Door Minivan$1,565
MontanaFordRanger XLT2WD 4 Door SuperCab Turbo$1,577
North CarolinaJeepWrangler Freedom4WD 2 Door Utility Turbo$992
North CarolinaChryslerVoyager L4 Door Minivan$1,251
North CarolinaNissanKicks SV4 Door Hatchback$1,283
North CarolinaToyotaHighlander L2WD 4 Door Utility$1,299
North CarolinaToyotaC-HR Limited2WD 4 Door Utility$1,315
North DakotaJeepWrangler Black and Tan4WD 2 Door Utility$980
North DakotaChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,125
North DakotaHyundaiKona SEL Plus2WD 4 Door Utility$1,138
North DakotaFordRanger Lariat2WD 4 Door SuperCab Turbo$1,152
North DakotaChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,169
NebraskaHyundaiKona SEL Plus2WD 4 Door Utility$1,289
NebraskaChryslerVoyager L4 Door Minivan$1,300
NebraskaFordRanger XLT2WD 4 Door SuperCab Turbo$1,312
NebraskaChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,320
NebraskaBuickEnvision Preferred4 Door 2WD Utility Turbo$1,321
NebraskaBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,321
NebraskaJeepWrangler Black and Tan4WD 2 Door Utility$1,328
New HampshireChryslerVoyager L4 Door Minivan$883
New HampshireBuickEnvision Preferred4 Door 2WD Utility Turbo$935
New HampshireBuickEncore GX Preferred4 Door 2WD Utility Turbo$935
New HampshireHyundaiKona SEL Plus2WD 4 Door Utility$940
New HampshireJeepWrangler Unlimited Willys Wheeler4WD 4 Door Utility$942
New HampshireChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$944
New JerseyJeepWrangler Black and Tan4WD 2 Door Utility$1,322
New JerseySubaruOutback 2.4I Onyx Edtion XT4 Door Wagon AWD$1,379
New JerseyHyundaiKona SEL Plus2WD 4 Door Utility$1,431
New JerseyChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,437
New JerseyChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,439
New MexicoChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,375
New MexicoHyundaiKona SEL Plus2WD 4 Door Utility$1,395
New MexicoChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,409
New MexicoFordRanger Lariat2WD 4 Door SuperCab Turbo$1,412
New MexicoChryslerVoyager L4 Door Minivan$1,422
NevadaJeepWrangler Black and Tan4WD 2 Door Utility$1,341
NevadaChryslerVoyager L4 Door Minivan$1,418
NevadaBuickEnvision Preferred4 Door 2WD Utility Turbo$1,445
NevadaBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,445
NevadaSubaruOutback 2.4I Limited XT4 Door Wagon AWD PZEV$1,452
NevadaChevroletExpress G3500 LT2WD 3 Door Passenger Van Ext Flex Fuel$1,454
New YorkHyundaiKona SEL Plus2WD 4 Door Utility$1,208
New YorkChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,226
New YorkChryslerVoyager L4 Door Minivan$1,228
New YorkChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,235
New YorkJeepWrangler Freedom4WD 2 Door Utility Turbo$1,237
OhioChryslerVoyager L4 Door Minivan$951
OhioChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$980
OhioFiat124 Spyder Classica2WD 2 Door Convertible Turbo$983
OhioFordRanger Lariat2WD 4 Door SuperCab Turbo$993
OhioFiat124 Spyder Lusso2WD 2 Door Convertible Turbo$1,001
OhioBuickEnvision Preferred4 Door 2WD Utility Turbo$1,001
OhioBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,001
OklahomaJeepWrangler Black and Tan4WD 2 Door Utility$1,317
OklahomaChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,331
OklahomaHyundaiKona SEL Plus2WD 4 Door Utility$1,334
OklahomaChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,370
OklahomaFiat124 Spyder Classica2WD 2 Door Convertible Turbo$1,387
OregonChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,183
OregonChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,190
OregonJeepWrangler Black and Tan4WD 2 Door Utility$1,234
OregonSubaruOutback 2.4I Limited XT4 Door Wagon AWD PZEV$1,236
OregonHyundaiKona Limited2WD 4 Door Utility Electric$1,256
PennsylvaniaJeepWrangler Black and Tan4WD 2 Door Utility$938
PennsylvaniaChryslerVoyager L4 Door Minivan$1,090
PennsylvaniaSubaruOutback 2.4I Onyx Edtion XT4 Door Wagon AWD$1,172
PennsylvaniaJeepGrand Cherokee Laredo E2WD 4 Door Utility$1,182
PennsylvaniaChryslerPacifica Touring-L 35th Anniversary4 Door Minivan$1,183
Rhode IslanJeepWrangler Black and Tan4WD 2 Door Utility$1,556
Rhode IslanChryslerVoyager L4 Door Minivan$1,752
Rhode IslanHyundaiKona SEL Plus2WD 4 Door Utility$1,812
Rhode IslanBuickEnvision Preferred4 Door 2WD Utility Turbo$1,820
Rhode IslanBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,820
Rhode IslanJeepGrand Cherokee Laredo E2WD 4 Door Utility$1,836
South CarolinaHyundaiKona SEL Plus2WD 4 Door Utility$1,357
South CarolinaBuickEnvision Preferred4 Door 2WD Utility Turbo$1,412
South CarolinaChryslerVoyager L4 Door Minivan$1,436
South CarolinaChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,438
South CarolinaBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,455
South DakotaJeepWrangler Black and Tan4WD 2 Door Utility$1,306
South DakotaHyundaiKona SEL Plus2WD 4 Door Utility$1,425
South DakotaFordRanger Lariat2WD 4 Door SuperCab Turbo$1,452
South DakotaChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,459
South DakotaChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,526
South DakotaChryslerVoyager L4 Door Minivan$1,561
TennesseeChryslerVoyager L4 Door Minivan$1,267
TennesseeBuickEnvision Preferred4 Door 2WD Utility Turbo$1,323
TennesseeBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,323
TennesseeChryslerVoyager LX4 Door Minivan$1,330
TennesseeSubaruOutback 2.4I Limited XT4 Door Wagon AWD PZEV$1,336
TennesseeChryslerPacifica Touring-L 35th Anniversary4 Door Minivan$1,339
TexasBuickEnvision Preferred4 Door 2WD Utility Turbo$1,543
TexasHyundaiKona SEL Plus2WD 4 Door Utility$1,581
TexasChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,602
TexasToyotaC-HR XLE2WD 4 Door Utility$1,611
TexasChryslerVoyager L4 Door Minivan$1,613
UtahChryslerVoyager L4 Door Minivan$1,255
UtahHyundaiKona SEL Plus2WD 4 Door Utility$1,268
UtahFiat124 Spyder Classica2WD 2 Door Convertible Turbo$1,271
UtahSubaruOutback 2.4I Limited XT4 Door Wagon AWD PZEV$1,279
UtahBuickEnvision Preferred4 Door 4WD Utility Turbo$1,287
UtahBuickEncore GX Preferred4 Door 4WD Utility Turbo$1,287
UtahChryslerPacifica Touring-L Plus 35th Anniversary4 Door Minivan$1,290
VirginiaChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,028
VirginiaHyundaiKona SEL Plus2WD 4 Door Utility$1,034
VirginiaChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,045
VirginiaChryslerVoyager L4 Door Minivan$1,050
VirginiaJeepWrangler Unlimited Sport Altitude4WD 4 Door Utility Turbo$1,064
VermontJeepWrangler Black and Tan4WD 2 Door Utility$932
VermontHyundaiKona SEL Plus2WD 4 Door Utility$1,142
VermontChryslerVoyager L4 Door Minivan$1,150
VermontBuickEnvision Preferred4 Door 2WD Utility Turbo$1,163
VermontChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,165
WashingtonJeepWrangler Black and Tan4WD 2 Door Utility$1,265
WashingtonHyundaiKona SEL Plus2WD 4 Door Utility$1,392
WashingtonChryslerVoyager L4 Door Minivan$1,403
WashingtonBuickEnvision Preferred4 Door 2WD Utility Turbo$1,403
WashingtonBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,403
WashingtonChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,407
WashingtonToyotaHighlander Platinum2WD 4 Door Utility$1,408
WisconsinChryslerVoyager L4 Door Minivan$992
WisconsinChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,035
WisconsinFordRanger Lariat2WD 4 Door SuperCab Turbo$1,036
WisconsinBuickEnvision Preferred4 Door 2WD Utility Turbo$1,046
WisconsinBuickEncore GX Preferred4 Door 2WD Utility Turbo$1,046
WisconsinFiat124 Spyder Classica2WD 2 Door Convertible Turbo$1,055
West VirginiaChevroletExpress G2500 LS2WD 3 Door Passenger Van Ext Flex Fuel$1,361
West VirginiaHyundaiKona SEL Plus2WD 4 Door Utility$1,373
West VirginiaChryslerVoyager L4 Door Minivan$1,379
West VirginiaChevroletExpress G35002WD 3 Door Cargo Van Ext Flex Fuel$1,394
West VirginiaFordRanger XLT2WD 4 Door SuperCab Turbo$1,404
WyomingJeepWrangler Freedom4WD 2 Door Utility Turbo$976
WyomingChevroletExpress G25002WD 3 Door Cargo Van Ext Flex Fuel$1,534
WyomingJeepGrand Cherokee Laredo E2WD 4 Door Utility$1,543
WyomingHyundaiKona SEL Plus2WD 4 Door Utility$1,563
WyomingJeepCherokee Trailhawk Elite4WD 4 Door Utility$1,578

What cars are the least expensive to insure by state?

2020 Jeep Wrangler Black and Tan

The 2020 Jeep Wrangler Black and Tan is number one on our list, being the cheapest vehicle in 20 states. Premiums ranged from $689 in Maine to $2,075 in Louisiana.

"Thanks to a very competitive market, Maine consumers are paying less for auto insurance than consumers in nearly every other state," Insurance Superintendent Eric Cioppa stated in a recent press release.

Currently, Maine has the lowest rate of uninsured drivers in the entire country. A mere 4.5% of drivers are out on the road without insurance which lowers insurance companies' risk, leading to affordable rates.

There are a variety of reasons why the Wrangler tops the list in so many states. Jeeps are usually affordable to insure and often top the cheapest cars to insure lists. The majority of Jeeps tend to be bare-bones vehicles, which makes them cheap to repair, which insurers love. While they are designed for off-road use, many Jeep owners spend the majority of their time on paved roads so they don't get damaged as often as you would think, also a positive for insurers.

The Wrangler Black and Tan is the most affordable car to insure in 20 states which include:

  • AlaskaJeep Black and Tan 2020
  • Arkansas
  • California
  • Delaware
  • Georgia
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Mississippi
  • Montana
  • North Dakota
  • New Jersey
  • Nevada
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Dakota
  • Vermont
  • Washington

2020 Chrysler Voyager L

The Voyager L, which is the base model of the Voyager lineup, managed to put nine states on the board. Premiums ranged from $883 in New Hampshire to $2,027 in Florida.

The Voyager is Chrysler’s minivan and the L is the base model which starts around $27,000. Like most minivans, the Voyager is mainly driven by parents who are extra cautious out on the road which leads to less accidents and claims, all good news for insurers.

The Voyager also earned a top five-star crash test safety rating from the NHTSA, another factor that insurance companies love. A low starting price combined with an excellent safety rating and its popularity with parents makes this a very affordable choice in many states.

Chrysler Voyager 2020The Voyager is the most affordable car to insure in nine states:

  • Alabama
  • Connecticut
  • Florida
  • Kentucky
  • New Hampshire
  • Ohio
  • Tennessee
  • Utah
  • Wisconsin

2020 Jeep Wrangler Freedom

Jeep Wrangler Freedom 2020Another Jeep hits our list, the Freedom, and is the cheapest to insure in seven states and the nation capitol, with premiums ranging from $876 in Idaho to $1,474 in D.C. The Freedom is simply a different trim level (there are 13 of them in 2020) of the Wrangler. Another one, the Black and Tan, is the big winner this year.

The Freedom starts around $37,000 and is cheap to insure for all of the same reasons the Black and Tan made the list. A bare bones construction, cheap repair costs and plenty of available parts make Jeeps extremely cheap to insure.

The Wrangler Freedom is the most affordable vehicle to insure in seven states and D.C.:

  • DC
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Minnesota
  • North Carolina
  • Wyoming

2020 Chevrolet Express G2500 and G2500 LS

This is the only cargo van on the list, which is not a huge surprise, cargo vans are not super popular with the general public. Premiums ranged from $1,028 in Virginia to $2,256 in Michigan. The Express GS2500 is a straight cargo van while the LS is the passenger version, great for hauling large numbers of people.

Cargo vans tend to have high-end features, which helps explain the low rates for these two vehicles. In addition, they are often used in commercial settings (deliveries or at resorts for the passenger vans) where they are driven pretty carefully leading to low claim rates. Finally, due to the fact that much of the back end of the van is empty space (with some bench seats in the passenger version) without any expensive electronics or high-end finishes, repairs tend to be cheap.

ChevyExpressVan2020The Chevy Express G2500 and G2500LS ended up being the most popular model in seven states which include:

  • Arizona - G2500
  • Colorado - G2500LS
  • Michigan - G2500
  • New Mexico - G2500LS
  • Oregon – G2500LS
  • Virginia – G2500
  • West Virginia – G2500LS

If you’re interested in what other cheap models are in these states aside from vans, refer to the “Top 5” chart above.

KonaHyundai20202020 Hyundai Kona SEL Plus

The Hyundai Kona was the cheapest car to insure in five states and premiums ranged from $1,264 in Missouri to $1,357 in South Carolina.

The Kona is Hyundai’s second smallest SUV. The SEL Plus trim starts around $24,000, this low start price is almost certainly a factor in keeping insurance cheap.

Hyundai has taken safety to the next level by making SmartSense standard equipment on many of their vehicles, including the Kona. This package of safety equipment includes Forward Collison Avoidance Assist, Blind Spot Collision Avoidance Assist, Driver Attention Warning, Lane Keep Assist as well as High Beam Assist and a number of other safety systems.

Insurance companies love advanced safety features because they lower the risk of an accident and claim which is why vehicles that come with them tend to be cheaper to insure. (However, in some higher end models these high-tech features can be costly to repair or replace so it’s not always the case that sophisticated safety features result in lower rates.)

This Hyundai model managed to be the cheapest to insure in five states which include:

  • Kansas
  • Missouri
  • Nebraska
  • New York
  • South Carolina

2020 Buick Envision Preferred

The Buick Envision was the cheapest to insure in only two states. In Iowa you will be spending around $1,068 for coverage, while in Texas you will have to fork up $1,543 to properly insure this beauty.

Envision2020Much like the Chevy Traverse last year, the Envision is a bit of a mystery. The Preferred trim level starts around $34,000 so certainly not the cheapest vehicle on our list and while it is loaded with safety features and airbags, it’s list of advanced safety features is not overly impressive.

However, as a compact SUVs it is probably driven mainly by families so it’s low insurance costs may be caused by the same factors that make mini-vans so affordable to insure. 

The Buick Envision Preferred was the cheapest car to insure in only two states which include:

  • Iowa
  • Texas

The cheapest cars to insure across the nation

Now that we have taken a look at the cheapest car in each state, let’s have a quick look at the cheapest cars to insure for 2020 across the nation. This list of vehicles is a bit different than our state by state list, but some manufacturers are well represented on both.

Jeep is a prime example, it was by far the most popular automaker on our state by state list and managed to put three vehicles on this list, including the Wrangler Sport which is the third cheapest vehicle to insure in the nation.

Much like our state by state list, many of these vehicles are family friendly vehicles that come loaded with safety features. However, this list has a bit more variety, there is even a pickup truck. The cheapest vehicles to insure are ones that are popular with reliable and safe drivers while also having the lowest number of claims. A sports car meant to go 180 mph will likely have more speeding tickets than a minivan used to transport the kids to soccer practice.

We analyzed rates in every state for approximately 3,000 different vehicle models. Our team pulled insurance quotes from six major insurance companies and averaged the premiums and compiled the list below.

Here are the cheapest cars to insure for 2020 :

Cheapest Cars to Insure for 2020
Rank Make Model Average Rate
1MazdaCX-3 Sport$1,324
2HondaCR-V LX$1,333
3WranglerSport S$1,334
4SubaruOutback 2.51$1,335
5Fiat500X Pop$1,336
6HondaOdyssey LX$1,353
7SubaruForester 2.5l$1,373
8MazdaCX-5$1,374
8JeepRenegade Sport$1,374
10HondaHR-V LX$1,377
11HondaFit LX Sensing$1,379
12JeepCompass Sport$1,392
12SubaruCrosstrek$1,392
14FordEscape S$1,397
15ChryslerPacifica Touring$1,403
15BuickEncore Preferred$1,403
15HyundaiTucson SE$1,403
18GMCCanyon$1,411
19GMCSavana G2500 LS$1,413
20ChevroletExpress G 2500 LS$1,416
20HondaPilot LX$1,416
20DodgeGrand Caravan SE$1,416

Cheapest cars to insure 2020

The Mazda CX-3 came out on top as the cheapest car to insure this year. The CX-3 only costs $1,324 to insure which is $580 less than the national average of $1,904. The Honda CR-V LX came in second with a premium of $1,333 and the Jeep Wrangler Sport S rounded out the top three.

As usual, SUV and CUVs dominated the list. There was a whopping 15 SUVs and CUVs in the top 20. Five vans managed to make the grade as did one sedan and one pickup.

The CX-3 is a small CUV that is extremely popular with families and it is packed with safety features. The 148-horsepower engine has enough juice to get your around but it's not exactly powerful, leading to a low insurance premium.

The Honda CR-V LX nabbed the number two spot with an annual premium of $1,333. In fact, Honda managed to put five vehicles in the top 20, including the CR-V, Odyssey and the HR-V LX. Safety features abound in Honda vehicles which tends to push down insurance premiums.

Lane-departure warning with steering assist is newly standard for 2020, as is forward collision warning with automatic emergency braking. Cars loaded with advanced safety features are involved in fewer accidents, which prevents claims, leading to lower insurance costs.

The Jeep Wrangler JL Sport S finished third this year, costing $1,334 a year to insure, which is not really a surprise. Jeeps are fairly bare bones which makes them cheap to repair, and cheap to insure.

The Subaru Outback 2.5I slotted into the fourth-place spot and the Fiat 500X Pop rounded out the top five. Subaru's are loaded with advanced safety features, even the base models are equipped with EyeSight Driver Assist Technology, which includes active safety features like Advanced Adaptive Cruise Control and Lane Centering Function, all of which leads to lower premiums.

While many of the vehicles on the list are SUVs and CUVs, there are a few other options. Three minivans hit the top 20, the Honda Odyssey, Chrysler Pacifica Touring and the Dodge Grand Caravan SE. If you are in the market for a pickup, there are two options to choose from that come with affordable insurance rates, the GMC Canyon and the Ford F-150 XL.

How car models affect insurance rates?

Our list clearly points out that the sticker price, target audience, repair costs and safety features in a vehicle impact insurance costs. Vehicles that are designed with families in mind tend to come loaded with safety features and rank high on least expensive to insure lists.

A few vehicle factors that insurers consider:

  • People driving the vehicle: If a car is popular with families, or any other group known to be safe drivers an insurer will likely charge lower rates for that vehicle.
  • Safety features: Cars with lane departure alerts, back-up cameras, autonomous braking and automatic restraint systems should have fewer accidents and claims. Insurers, in turn, may offer lower rates on those vehicles.
  • Repair costs: Vehicle repairs are more complicated than 20 years ago which pushes up the cost of fixing a vehicle. Camera's and sensors can make even a fender bender a fairly expensive repair and all of that expense is passed on to you via higher insurance premiums.
  • Sticker price: More expensive vehicles will likely cost more to insure. If the vehicle gets destroyed, the insurer will have to pay a hefty claim. More repair costs mean higher rates for you.
  • Claim rates: Insurance companies love data. One data point that insurers look at which will impact your rates is the claim rate of your particular vehicle. If your vehicle is a favorite of car thieves or is just prone to claims, you will pay more for car insurance regardless of whether you have ever made a claim or not.
  • Trim level: The trim level you choose can also impact your rates. A higher trim level often adds expensive features and possibly a bigger engine, both of which make the car more expensive to repair or replace, resulting in a higher premium. The majority of vehicles on our list are the base model trim so moving up the trim level ladder will add features (and costs) to the car, pushing up the cost of insurance.

If cheap insurance is important, avoid these types of vehicles

The data clearly shows, the type of car you drive impacts the cost of your insurance. Avoid these vehicles to keep your insurance costs low:

  • Sports cars: Avoid sports cars like the plague if you want to keep your insurance affordable. Sports cars are designed to be driven fast which can lead to tickets, accidents and claims, all factors insurers hate, leading to higher rates.
  • High-end luxury cars: These cars are expensive to insure for a couple of different reasons. First, they come with a hefty price tag so if the car is destroyed the insurer will have to write a big check to replace it. Second, luxury vehicles are packed to the gills with expensive technology and finishes which make them pricey to repair.
  • Electric vehicles: A giant battery and high-end technology make these vehicles expensive to repair or replace. The battery alone can run thousands of dollars if it needs to be replaced.
  • Favorites of car thieves: If the vehicle you are considering makes an appearance on any "most stolen vehicles" list you will be paying more for insurance.

Other factors insurers consider

The vehicle you drive is not the only thing insurers consider when setting a premium. Here are a few factors that will impact your rate:

  • Your Driving record: Your driving record is one of the biggest factors insurance companies consider. If you have multiple tickets, accidents or claims on your record, your premium is headed sky-high. Avoid tickets and claims to keep your insurance rates as low as possible and use your insurance only for major accidents. The good news is that you have complete control over this factor (unlike some others) so drive safe to lower your insurance costs.
  • Location of your vehicle: The reason insurers care about where your car sits each night is because they have to pay for a new one if it is stolen. If your neighborhood is known for crime you will be paying a higher rate for insurance.
  • Age and gender: Statistics show that young drivers (particularly male drivers) are involved in more accidents and tickets. This leads to higher rates, if you have a teen driver in the house prepare for your insurance bill to almost double.
  • Your specific vehicle: If your vehicle is designed for speed, or loaded with luxury features, you will pay a higher rate for coverage. Family friendly vehicles loaded with safety features (think minivans and SUVs) garner the lowest rates.
  • Credit score: Most insurers use your credit score when setting your rates and it can have a big impact on your rates. Statistics show that drivers with low credit scores tend to file more claims so if your score is less than stellar you will pay higher rates.

Shop insurance when car shopping

It’s a good idea to shop your insurance coverage when buying a new car. Insurance costs can vary dramatically from one car to another, even among trim levels of the same vehicle. Gather insurance quotes on any vehicle you are considering so there are no surprises when it’s time to insure your new ride. When getting quotes be sure you get one for each vehicle and trim level you are considering.

A few tips to lower your insurance costs

There are ways to get lower car insurance rates without resorting to poor coverage. Here are some ideas:

  • Discounts: Insurers offer many discounts and your job is to make sure every discount you qualify for is applied to your policy. Common discounts include bundling, good student, low mileage drivers and even going paperless on your policy. Ask your agent to do a discount review to make sure you are getting all available discounts.
  • Defensive driving course: Many insurance companies will discount your premium if you take an approved defensive driving course. This is especially helpful with teen drivers. Ask your agent for details and a list of approved courses.
  • Paperless policy: Most insurance companies will offer a small discount if you go paperless on your policy. Receiving your policy details and bills via email may not result in a huge discount but they all add up.
  • Raise your deductible: Raising your policy’s deductible can result in a major discount. If possible, double your deductible but always choose a deductible you can easily afford in the event you have to make a claim on your policy.
  • Shop around: This is probably the best way to lower your premium. You should shop your rates at least once a year, getting quotes from at least five insurers. Check into the companies to make sure you’re comfortable with them before signing up for a policy.
  • Improve your credit score: As mentioned above, your credit score can have a big impact on your rates. If possible, improve your score to lower your insurance rates. Pay your bills on time, pull a credit report and look for errors and if you find any get them corrected. As your credit scores improves ask your agent to rerun your premium.