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Autos 2/23/2016 @ 6:02PM 38,514 views. The Cheapest 2016 Cars To Insure. The Honda Odyssey is the least-expensive car in the U.S. to insure, with an average annual rate of $1,113 according to a recent study conducted for Insurance.com. (AP Photo/Mary Altaffer)
The national average premium for the full-coverage policy featured in the Insure.com study is $1,311 a year, with rates varying widely in states -- from $805 in Maine to $2,476 in Michigan.e averaged rates in each state for the cheapest-to-insure 2015 model-year versions of Americaâs 20 best-selling vehicles and ranked each state by that average.