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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)
To help offset some of this risk, a policy with liability limits of $500K/$1000M (per person /per accident) would be a place to start,â says 21st Centuryâs Cahill. âAn additional umbrella policy that covering additional liability would likewise be a good idea.â. In Pictures: The Most Expensive Cars To Insure. Be aware that the amounts given in the accompanying slideshow are perfect-world averages based upon a hypothetical single 40-year-old male with a clean driving record commuting 12 miles to work each day, with typical coverage limits.