10 of the Cheapest Cars to Insure in 2022

The average cost of auto insurance will rise by 10% in 2022, bringing the annual premium to $1,370 per year. To help you save money on your next car purchase, we’ve compiled a list of the 10 cheapest cars to insure in 2022. All of these vehicles can be purchased new or used in 2022, and all have low insurance costs even today, so investing in one would save you money down the road. Our list has both foreign and domestic cars, small and large vehicles and many different types of models to choose from.

1) Smart Fortwo

The Smart Fortwo doesn’t have a lot going for it, but insurance premiums aren’t too high. If you can handle its super-narrow interior and can deal with extreme lightness—to take one example, it weighs just 1,800 pounds—it might be a good choice for tight budgets.

2) Toyota Yaris

The Toyota Yaris is a nice choice for those looking for a low-cost, reliable and fuel-efficient ride. The car comes standard with antilock brakes, stability control and traction control. It’s easy on insurance too, and with its all-wheel drive option, it can be used in pretty much any weather condition. Cost: $1657/year.

3) Mini Cooper

The Cooper’s small size, coupled with a lightweight body and zippy performance make it an attractive choice for anyone seeking cheap auto insurance. While it might not be as spacious as some of its competitors, Mini offers a car that’s fun to drive at an affordable price. The insurance rates on Minis are low compared to other cars in its class, making it a smart choice for drivers who want affordable insurance rates.

4) Fiat 500

The new Fiat 500 is due for launch later in 2017, but it’s worth noting that today’s model is one of the cheapest cars on which you can get comprehensive cover. With a wide range of trim levels, engine sizes and body styles to choose from, there’s something here for all kinds of drivers. You could even consider a used Fiat 500 with comprehensive insurance—as long as you’re sure it has had regular servicing.

5) Vauxhall Corsa

The Vauxhall Corsa is a small, simple car that is easy and inexpensive to repair. The average repair cost for a Corsa from 2017-2022 is $445. If you opt for third-party insurance coverage on your Corsa, there’s a good chance you will be able to affordably insure it.

6) Alfa Romeo MiTo

Once a sporty car with incredible road handling, it is now affordable, yet still has that sporty feel. If you’re looking for a car that will get you from point A to B without breaking your wallet or bending your bank account, then look no further than the Alfa Romeo MiTo.

7) Suzuki Swift

There’s no ignoring just how cheap it is – with insurance starting from £173 a year, there aren’t many models that can rival Suzuki’s Swift. It may not have as much space as its rivals, but if you’re just looking for something cheap to get around in – and ideally don’t need more than five seats – it could be worth considering. It’s also claimed fuel economy figure of 64.2mpg is impressive given its low purchase price.

8) Dacia Sandero

The Sandero is a steal if you’re on a tight budget, with prices ranging from just £5,495. It comes with plenty of kit including Bluetooth connectivity and air conditioning as standard. Best of all, it offers huge cost savings over some rivals – such as Vauxhall Corsa – when it comes to insurance premiums. You could be looking at paying just £162 a year for cover on your Sandero!

9) Nissan Micra

With its small but efficient engine, rear-wheel drive, and a solid score for both driver-assistance tech and safety features, Nissan’s Micra should cost a pittance to insure. Its insurance group is 4, which compares with Ford Fiesta’s group 1.

10) Citroen C1

This car from 2017 is already a relic, but that’s just fine if you’re shopping for a cheap car. The 1.0 liter engine is still quite efficient, and it provides 37 mpg on average. If you want more power than that, you can always opt for a turbocharged 0.9 liter engine. That may not be much power, but at least your insurance premium will stay low!


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