Small Car Insurance Rate Comparisons

The small car segment includes popular vehicles like the Honda Civic and Toyota Corolla, and insurance rates are quite affordable, averaging $100 to $150 a month for full coverage.

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Thanks to the popularity of small and midsize SUVs, the small car segment has struggled over the last few years. This lack of consumer interest has fueled the discontinuation of models like the Chevy Sonic, Honda Civic Coupe and Si, and Honda Fit.

Despite the trend towards SUVs, there will always be a market for compact cars, and manufacturers continue to build safer, more reliable cars that help keep the cost of insurance affordable.

How much does it cost to insure a small car?

The small car segment falls on the cheaper side of the insurance cost spectrum, ranging from the Subaru Impreza at $1,324 per year for full coverage insurance to the Toyota Mirai at $1,968 per year for 2022 models. The overall average cost of insurance for the small car segment is $1,569 per year.

Here is the insurance cost breakdown for the entire small car class.

Small Car Insurance Cost Comparison
Rank Make/Model Annual Cost Monthly Cost
1Subaru Impreza$1,324$110
2Chevrolet Spark$1,328$111
3Volkswagen Golf$1,466$122
4Volkswagen Jetta$1,482$124
5Nissan Sentra$1,488$124
6Toyota Corolla$1,500$125
7Kia Rio$1,504$125
8Honda Civic$1,510$126
9Mazda 3$1,516$126
10Toyota Prius$1,526$127
11Hyundai Accent$1,544$129
12Hyundai Veloster$1,556$130
13Kia Forte$1,560$130
14Nissan Leaf$1,628$136
15Hyundai Ioniq$1,636$136
16Honda Clarity$1,678$140
17Nissan Versa$1,718$143
18Hyundai Elantra$1,720$143
19Mitsubishi Mirage G4$1,728$144
20Toyota Mirai$1,968$164

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
    Small Car Insurance Cost Comparison

    Broken down as a monthly expense, car insurance for the small car segment ranges from $110 to $164 per month. These rates assume an insurance policy that has both comprehensive and collision coverages, and is averaged for a 40-year-old married male driver.

    Factors such as where you live, your credit score (some states), driver age and gender, and your driving history will all have an impact on the rate you pay.

    Small cars generally tend to have a lower sticker price than their small SUV counterparts, which helps keep the cost of physical damage insurance to a minimum. Small cars often do not fare as well as larger cars and big SUVs in crash tests, so drivers may pay slightly more for liability and medical insurance, which can easily offset any physical damage insurance savings.

    The list above excludes small luxury cars like the BMW 230I, Audi A4, and the Acura TLX which keeps the average rate of $1,569 as low as possible.

    Here are some frequently asked questions about insurance a vehicle in the small car segment.

    What is the cheapest small car to insure?

    The cheapest 2022 model year small car to insure is the Subaru Impreza, costing $1,324 per year, $110 per month, or $662 for a 6-month policy. With the average small car costing $1,569 per year for insurance, the Subaru Impreza will save around $245 each year.

    What is the most expensive small car to insure?

    The most expensive small car to insure is the Toyota Mirai, costing $1,968 per year, $984 for a 6-month policy, or around $164 per month. The Toyota Mirai will cost around $644 extra each year compared to the cheapest small car to insure, the Subaru Impreza.

    What is the average insurance cost for a small car?

    Full coverage insurance for the average 2022 model year small car costs an average of $1,569 per year. With the national average for all vehicles being around $1,567, insuring a small car on average will be about the same.

    What is the safest small car?

    For 2022 models, the Honda Civic hatchback and Sedan both garner Top Safety Pick+ awards

    For 2021 models, the Honda Insight and Mazda 3 both earned IIHS Top Safety Pick+ awards. Other small car models that have earned 2020 Top Safety Pick awards from IIHS include:

    The most popular small car in the U.S. by vehicle sales figures is the Honda Civic. In the third quarter of 2021, 63,619 Civics were sold compared to 36,418 purchases of the runner-up Toyota Corolla. Sales for both models dropped substantially from 2020, due to the popularity of small and mid-size SUVs and also the impact of Covid on new vehicle sales and deliveries.

    Does a Honda Civic or Toyota Corolla cost less to insure?

    With Honda Civic insurance costing around $1,510 a year, and Toyota Corolla insurance costing around $1,500, the Corolla will be approximately $10 cheaper per year.

    This example averages insurance rates for all trim levels for each vehicle, so comparing the base level Honda Civic LX to an upper tier Toyota Corolla XSE or XSE Apex Edition could result in a higher price for insurance on a Corolla.