Top 10 Cheapest Cars to Insure in Florida for 2026

1. Honda CR-V

The Honda CR-V consistently ranks as one of the lowest-cost SUVs to insure, thanks to its excellent safety ratings and reliable performance. Many insurers offer attractive premiums on this model, making it a top pick for budget-conscious drivers. Worth Insurance

2. Subaru Forester

The Subaru Forester combines top safety features with reasonable repair costs, which helps keep insurance premiums down. Its all-wheel-drive capability and strong crash test results make it a good choice for Florida drivers. Worth Insurance

3. Subaru Outback

Like the Forester, the Subaru Outback benefits from high safety scores and solid reliability. These characteristics contribute to lower insurance costs compared with many sedans and larger SUVs. Worth Insurance

4. Mazda CX-5

The Mazda CX-5 is another SUV that tends to be inexpensive to insure. Its strong safety ratings, modest replacement costs, and wide availability of replacement parts help result in lower premiums for many drivers. Insurify

5. Honda Civic

Compact cars like the Honda Civic tend to have lower insurance rates — especially when compared to sports cars or luxury vehicles. The Civic’s reputation for reliability and strong safety technology often translates into lower premiums. Worth Insurance

6. Chevy Equinox

The Chevrolet Equinox is known for its moderate price tag and solid safety ratings, both of which contribute to comparatively lower insurance costs. It’s a popular choice among families and everyday drivers. AutoNation

7. Jeep Wrangler

The Jeep Wrangler often lands among the lower-cost insurance vehicles because its robust design and lower theft rates reduce insurer risk. While SUVs traditionally can be more expensive to insure, the Wrangler bucks that trend in many cases. Forbes

8. Toyota Tacoma

Pickup trucks like the Toyota Tacoma tend to have lower insurance premiums because they’re durable, have lower theft rates, and many drivers use them responsibly. This makes them a smart pick for budget-minded Florida drivers. WalletHub

9. Subaru Impreza

The Subaru Impreza’s combination of strong safety features and relatively low replacement costs makes it one of the cheaper sedans to insure. Its all-wheel-drive capability also appeals to a broad group of drivers. Insurify

10. Toyota RAV4

The Toyota RAV4 rounds out this list thanks to its balanced mix of safety, reliability, and modest repair costs. Compact SUVs like the RAV4 often benefit from lower insurance premiums than larger or luxury counterparts. WalletHub

Why These Vehicles Cost Less to Insure

Cars that are cheaper to insure generally share several traits:

• High safety ratings: Vehicles with excellent crash test scores and advanced safety tech often result in fewer severe claims.
• Lower repair costs: Common parts and easier repairs help keep insurer payouts down.
• Lower theft risk: Vehicles that are less frequently stolen usually have lower premiums.
• Moderate market value: Cars that aren’t too expensive to replace tend to attract cheaper insurance. Worth Insurance

Tips to Keep Insurance Costs Low in Florida

In addition to selecting a low-insurance vehicle, Florida drivers can save by:

• Comparing quotes from multiple insurers
• Asking about available discounts
• Maintaining a clean driving record
• Increasing deductibles when appropriate
• Bundling auto insurance with other policies such as home or renters insurance

White Chip Insurance helps drivers compare quotes, uncover discounts, and choose the right car and coverage to lower insurance costs.

Final Thoughts

Choosing a vehicle that is cheaper to insure can make a big difference in overall ownership costs — especially in Florida, where auto insurance rates are among the highest in the country. Models like the Honda CR-V, Subaru Forester, and Mazda CX-5 consistently rank among the most budget-friendly vehicles to insure, offering strong safety and lower premium potential.

If you are shopping for a car and want to save on insurance, White Chip Insurance can help you compare quotes, identify discounts, and find the best rate for your chosen vehicle.