List of the cheapest cars to insure in Texas

The cost of insuring a car can vary significantly based on a variety of factors, including the vehicle’s age, safety features, repair costs, the likelihood of theft, and the driver’s personal details such as age, driving record, and location.

Generally, the cheapest cars to insure tend to be those that:

  1. Have good safety ratings: Cars that score well in safety tests are less likely to be involved in accidents with injuries, and this can translate to lower insurance premiums.
  2. Are inexpensive to repair: Luxury brands or vehicles with rare parts can be costly to repair, leading to higher insurance costs.
  3. Aren’t attractive to thieves: Some vehicles are more prone to theft than others, and cars that are frequently stolen might have higher insurance premiums.
  4. Aren’t sporty or performance-oriented: High-performance cars can lead to riskier driving behavior and may be associated with a higher number of insurance claims, thus higher insurance rates.

Some of the cars often cited as being among the cheapest to insure in Texas include:

  • Honda CR-V
  • Subaru Outback
  • Jeep Wrangler
  • Ford Escape
  • Toyota Tacoma

However, this list can change year by year. It’s also essential to understand that the model year can influence insurance rates, with newer models sometimes costing more to insure due to the higher cost of replacement.

Moreover, insurance costs can also vary significantly between insurance providers. For the most accurate and up-to-date information, it’s best to obtain quotes from multiple insurance companies using the specific vehicle details and driver’s profile in question.

Remember, while the type of car is an important factor in determining insurance costs, it’s just one of many variables. Your individual circumstances, such as your driving history, where you live, and how much you drive, will all play significant roles in the final premium you’re quoted.

Contact Us

Freedom Insurance Group
3861 Long Prairie Rd Ste 110
Flower Mound, TX 75028
Phone: (972) 798-3769


M-F: 8:30 am - 6:00 pm
SAT: 10:00 am- 2:00 pm
SUN: closed