Which Cars Are the Cheapest to Insure in Florida This Year?

Introduction

If you are shopping for a new or used vehicle in Florida, one of your top priorities may be finding a car that is inexpensive to insure. Insurance premiums vary significantly based on make, model, safety features, repair costs, and even theft risk. Choosing a car with a low insurance rate can save you thousands of dollars over the life of the vehicle.

This guide highlights some of the cheapest cars to insure in Florida this year, explains what makes certain vehicles more affordable to insure, and shows how White Chip Insurance helps you find the best insurance rates for your specific car.

Why Some Cars Are Cheaper to Insure in Florida

Insurance companies consider several factors when pricing premiums, including:

• Safety ratings: Vehicles with high crash test scores are cheaper to insure because they are less likely to result in major injury claims.
• Repair costs: Cars with inexpensive parts and easy repair processes often have lower premiums.
• Theft rates: Cars that are frequently stolen cost more to insure.
• Vehicle value: Lower overall market value usually results in lower collision and comprehensive costs.

These factors matter in Florida where high traffic volume, frequent storms, and theft concerns influence insurance pricing.

Top Cars That Are Cheap to Insure in Florida This Year

Below are some of the vehicles that frequently result in lower car insurance rates in Florida due to their safety, reliability, and low claim costs.

1. Honda CR-V

Compact SUVs like the Honda CR-V are consistently among the cheapest vehicles to insure. Excellent safety scores and low repair costs make it a smart choice for Florida drivers.

2. Subaru Forester

The Subaru Forester’s strong safety performance and all-wheel drive contribute to fewer severe claims, helping keep premiums down.

3. Mazda CX-5

The Mazda CX-5 combines a high safety rating with lower repair costs, which often translates to reduced insurance premiums compared to larger SUVs.

4. Honda Civic

Compact sedans like the Honda Civic are generally inexpensive to insure due to reliable performance and affordable repair parts.

5. Toyota Corolla

The Toyota Corolla’s reputation for reliability and safety contributes to lower insurance costs, making it an excellent value choice.

6. Hyundai Elantra

The Hyundai Elantra offers strong safety ratings paired with low replacement part costs, which tends to reduce insurance premiums.

7. Toyota Camry

The Toyota Camry is a mid-size sedan with a strong safety record and a history of low frequency claims, helping to keep insurance costs competitive.

8. Subaru Impreza

The Impreza’s safety features and all-wheel drive appeal help reduce insurance risk and keep premiums reasonable.

9. Chevy Equinox

While not always the absolute cheapest, the Equinox often qualifies for competitive insurance pricing relative to similarly sized SUVs.

10. Ford Escape

The Ford Escape’s solid safety scoring and reasonable repair costs help it remain one of the more affordable SUVs to insure.

Electric and Hybrid Cars That Can Be Affordable to Insure

While electric vehicles can be more expensive to repair, many insurers now offer competitive pricing for EVs with strong safety scores:

• Toyota Prius (hybrid) — strong safety and low theft rates often translate to lower premiums.
• Honda Insight (hybrid) — good safety ratings help moderate insurance costs.

Keep in mind that some electric vehicles may cost more to insure if battery replacement costs are high.

How Vehicle Safety Technology Affects Insurance Costs

Cars equipped with advanced safety features often qualify for cheaper insurance because they reduce the likelihood or severity of a claim. These include:

• Automatic emergency braking
• Lane departure warning
• Blind spot detection
• Adaptive cruise control

Insurers reward vehicles with crash avoidance technology by reducing premiums when possible.

How White Chip Insurance Helps You Insure the Cheapest Cars

White Chip Insurance helps Florida drivers secure the lowest possible insurance rates by:

• Comparing multiple carriers at once
• Identifying insurers with competitive pricing for your specific vehicle
• Applying every eligible discount
• Helping drivers choose coverage that balances protection and cost
• Assisting with SR-22 or FR-44 filings when required

Their licensed agents provide free expert guidance tailored to your car and driving profile.

Final Thoughts

Choosing a car that is inexpensive to insure is a smart way to control total ownership costs in Florida. Vehicles like the Honda CR-V, Subaru Forester, Mazda CX-5, Toyota Corolla, and Honda Civic are known to be among the most affordable to insure this year due to their safety, reliability, and low repair costs.

White Chip Insurance helps Florida drivers find the best insurance rates for their chosen vehicle, compare top carriers, and build coverage that fits both their budget and lifestyle. With expert support and free guidance, you can get affordable car insurance no matter which vehicle you drive.