What are the cheapest cars to insure in Australia?

The cheapest cars to insure in Australia share common characteristics: low purchase price, low engine power, cheap and readily available spare parts, strong ANCAP safety rating of 5 stars, and low theft and crash claim rates. Insurers base premiums on risk and repair costs, so small Japanese and Korean hatches are almost always cheapest. According to comparison data from Budget Direct, Bingle, Youi and Canstar in 2024-2025, the consistently cheapest models to comprehensively insure for a 35-year-old driver with rating 1 are the Toyota Yaris, Toyota Corolla, Mazda2, Mazda3, Suzuki Swift, Suzuki Baleno, Hyundai i20, Hyundai Venue, Kia Picanto and Kia Rio. For example, insuring a Toyota Yaris Cross or Mazda3 can be $200-$400 per year cheaper than insuring a similarly priced European car like a Volkswagen Golf or Audi A1, and $500-$800 cheaper than a high-performance car like a Subaru WRX or Toyota GR Yaris. Utes like the Toyota Hilux and Ford Ranger are more expensive to insure despite being popular, because they have higher accident rates and higher repair costs. Electric cars can also be more expensive to insure than their petrol equivalents due to battery replacement costs. To get the cheapest insurance, choose a car with a high ANCAP rating, an engine under 2.0 litres, and avoid turbo, performance and luxury badges.