To determine the 25 cars with the lowest insurance costs, 24/7 Wall St. reviewed data on insurance claim payments made by insurers by make and model from the Insurance Institute for Highway Safety, a nonprofit research organization funded by auto insurers. The costs include six types of insurance: collision, property damage, comprehensive, personal injury, medical payment, and bodily injury. The model that is most expensive to insure has the highest overall average cost to the insurer per year. These data are for 596 vehicles of 2015-2017 model years sold in the United States. Average annual insurance payments account for both the frequency of accidents as well as the average payment made by model. The IIHS breaks down the data for models to sometimes include certain safety-relevant features, such as all-wheel drive and driver assistance technology. To avoid repetition, each model nameplate is listed only once, and the more expensive version to insure is always listed. We also excluded those vehicles where a relative cost figure was not included by the IIHS for all six payout categories.
The current retail model price range came from auto industry data resources Edmunds and Kelley Blue Book. Some of the models on this list have been discontinued, and in those cases, the most recently available resale value of a previous model year is listed.