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Cheapest SUVs To Insure - Subaru Crosstrek, Forester Are Among The 4 Best

What are the cheapest new cars and SUVs to insure? The 2022 Subaru Forester and 2022 Subaru Crosstrek rank among the four least expensive new models. Check out the complete list here.


The 2022 Subaru Crosstrek and 2022 Subaru Forester rank high in safety scores, get excellent fuel mileage, score highest in reliability, and are all-weather, all-terrain capable SUVs. Now the two are the cheapest new vehicles to insure.

A new report from Insurance Navy found that Crosstrek and Forester are among the four least expensive new models to insure in 2022. The national average to insure a new car is $1,630 annually.

2022 Subaru Forester, 2022 Subaru Crosstrek

Insurance Navy found the four cheapest new vehicles to insure this year are the Honda CR-V LX, Jeep Wrangler JL Sport, Subaru Crosstrek, and the Subaru Forester.

The Honda CR-V LX costs the least at $1,574 annually, followed by the Jeep Wrangler JL Sport ($1,585), Subaru Crosstrek ($1,606), and Subaru Forester ($1,613).

2022 Subaru Forester, 2022 Subaru Crosstrek

"We found that small-sized SUVs and minivans are vehicles with some of the lowest auto insurance rates," says Insurance Navy CEO Fadi Sneineh. "These cars are often built for passengers and families, so they have to go above and beyond with their safety features. Car insurance companies like ourselves love these cars for that reason."

The more likely the vehicle is to be involved in an accident, the more it costs to fix, and it is the primary factor in auto insurance base rates. Companies also consider crash test ratings, the size of the engine and horsepower, and safety features.

Subaru Forester and Crosstrek safety tech

Insurance companies like Crosstrek and Forester trim levels with the latest safety features. Subaru EyeSight features automatic emergency braking with pedestrian detection, lane-departure warning, automatic high beams, blind-spot monitors with rear cross-traffic alerts, and adaptive cruise control. Some Forester trims also come with the new DriverFocus technology that alerts the driver if it senses drowsiness.

The Crosstrek and Forester insurance rates are the lowest because of the two model's top safety scores. The 2022 Forester recently earned the highest Top Safety Pick+ award from the Insurance Institute for Highway Safety (IIHS). The 2022 Subaru Crosstrek earned the Top Safety Pick award in 2022.

To qualify for the highest Top Safety Pick+ award from the IIHS in 2022, vehicles must earn "Good" ratings in six crashworthiness evaluations, including the driver-side small overlap front, passenger-side small overlap front, moderate overlap front, side, roof strength, and head restraint tests.

Vehicles must also be available with a front crash prevention system that earns advanced or superior ratings in vehicle-to-vehicle and vehicle-to-pedestrian evaluations. For the higher-tier Top Safety Pick+ award, good or acceptable headlights must be standard across all trim levels.

Also, Check-Out: 2022 Subaru Forester - The 2nd Best Compact SUV Under $30,000 With Active Safety

What is the price of the 2022 Forester?

Pricing on the Forester went up $800 on April 26, 2022. The 2022 Forester comes in six trim levels; The Base Forester starts at $27,070, Premium ($30,070), Sport ($31,640), Limited ($33,750), new Wilderness ($34,695), and Touring ($37,170). Pricing includes destination and delivery fees ($1,175).

Also, Check-Out: The Most-Loved New Subaru Model? Owners Say Crosstrek

What is the price of the 2022 Crosstrek?

Subaru recently raised the price of the 2022 Crosstrek by $800, but it's still affordable. The 2022 Subaru Crosstrek comes in five trim levels, and the base trim is priced from $24,320, Premium ($25,470), Sport ($28,670), Limited ($30,170), and Crosstrek Hybrid ($37,520). Prices include destination and delivery fees ($1,175).

If you consider buying a 2022 Subaru Forester compact SUV or 2022 Subaru Crosstrek subcompact SUV, Insurance Navy found the two all-wheel-drive vehicles are among the four least expensive new models to insure in 2022.

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Denis Flierl has invested over 30 years in the automotive industry in a consulting role working with every major car brand. He is an accredited member of the Rocky Mountain Automotive Press. Check out Subaru Report where he covers all of the Japanese automaker's models. More stories can be found on the Torque News Subaru page. Follow Denis on Facebook, Twitter, and Instagram.

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Photo credit: Subaru USA