Study Names Least-Expensive Vehicles to Insure Annually by Class

Back in March, released a study that revealed the top 20 most- and least-expensive vehicles to insure in America. Now, more research has determined the top 10 least-expensive vehicles to insure by class, and is naming the least-expensive vehicles to insure in America today by class.

As we initially reported, the Mazda Tribute I SUV is the least-expensive vehicle to insure in the U.S. today when configured with a four-cylinder engine a FWD only. All told, it will cost you an average of $1070.25 to insure annually, just $25.01 than the runner-up Honda Odyssey LX. Splurging on AWD won’t hurt you much, as the four-cylinder Tribute I with AWD is just $1103.29 per year on average and ranks third. Interestingly enough, the top 20 least-expensive vehicles to insure are all vans and SUVs.

Naturally, the Tribute also earns the distinction of being the least-expensive SUV to insure as well as the least-expensive vehicle to insure overall. In the Car category, the boxy Dodge Caliber takes the win, costing just $1196.27 per year on average. The Buick LaCrosse CX and Toyota Yaris hatch trail closely behind in second and third place respectively.

As noted above, the Honda Odyssey LX came in second overall, costing just $1095.26 per year on average. That ensures it a victory in the Van category as well. It’s followed by a one-two punch from Chrysler with the Chrysler Town & Country LX and Dodge Grand Caravan SE in second and third respectively.

Like the Car category, the winner of the Truck category didn’t land in the top five overall, or even the top 10. But while the Dodge Caliber didn’t even make the top 20, the Truck category winner just sneaked in at number 20 and it’s the GMC Canyon Work Truck. When configured as a regular cab model with the four-cylinder engine and RWD only, it’ll run you just $1152.39 per year on average in insurance costs. Coming in second and third are the two-door, RWD Toyota Tacoma and the four-door, RWD Chevrolet Colorado Work Truck.

To arrive at these conclusions, hired pollster Quadrant Information Services to calculate the average insurance premiums for a single, 40-year-old male driver who commutes 12 miles to work. This fictional driver has good credit, a clean record, a $500 deductible on collision and comprehensive coverage and carries a typical coverage plan consisting of uninsured motorist coverage, $100,000 of injury liability coverage for one person, $300,000 of coverage for all injuries and $50,000 of coverage for property damage. Averages were drawn from rates offered by six major insurance companies for 10 zip codes in each of the 50 states.

For a complete breakdown of the top ten least-expensive vehicles to insure in each of the four classes, check out the graphic at the top right corner of this article. (Click on it to enlarge.)