Insignia NS-RTM20 20 cu. ft. Top Freezer
Quick verdict
The Insignia NS-RTM20 20 cu. ft. Top Freezer is a 20.5 cu. ft. top-freezer from Insignia in the budget tier. Annual energy use of 390 kWh runs about 17% below the median for top-freezer models we've reviewed. At about $500, it sits below the median price per cubic foot for this layout. Our reviewers rate it 4.1/5 — best for family sized households.
Best for
- Families of 4-5
Key specs
- Capacity
- 20.5 cu. ft.
- Dimensions
- 30.0" × 67.0" × 31.0"
- Annual energy
- 390 kWh/year
- Ice / Water
- No ice · No water
- Wi-Fi
- No
Our Review
The Insignia NS-RTM20 20 cu. ft. Top Freezer is a 20.5 cu. ft. top-freezer refrigerator from Insignia, sitting in the sub-$1,000 range. With a 15.2 cu. ft. fresh-food compartment and 5.3 cu. ft. of freezer space, it's positioned for families of 4-5.
What stands out
At this price, Insignia delivers the headline specs (capacity, ice maker, ENERGY STAR rating where present) and skips the extras. If you need a working refrigerator and don't care about cabinet-flush styling or app integration, that's a fair trade.
ENERGY STAR Most Efficient certification means it sits in the top ~10% of the category for energy use. At ~390 kWh/year, expect roughly $62 in annual running cost at the U.S. average electricity rate — meaningfully less than older models from a decade ago.
Layout and capacity
Exterior dimensions are 30.0" W × 67.0" H × 31.0" D — check your opening, especially the depth with handles extended. Total useable capacity is 20.5 cu. ft., split 15.2 fresh / 5.3 freezer.
Bottom line
The Insignia NS-RTM20 20 cu. ft. Top Freezer delivers the basics at one of the lowest prices in the category. If your goal is a working fridge with the right capacity, this gets the job done.
Full Specs
Capacity Total capacity | 20.5 cu. ft. |
|---|---|
| Fresh-food | 15.2 cu. ft. |
| Freezer | 5.3 cu. ft. |
Dimensions Width | 30.0" |
| Height | 67.0" |
| Depth | 31.0" |
| Depth (with handles) | 33.5" |
Energy ENERGY STAR | Yes |
| Annual energy use | 390 kWh/year |
| Est. annual cost | $62 |
Features Ice maker | No |
| Water dispenser | No |
| Wi-Fi connected | No |
| Smart features | No |
| Door style | Top Freezer |
| Finishes available | Stainless Steel, Black Stainless Steel, Fingerprint-Resistant Stainless, White, Black |
| Noise level | — |
Pros & Cons
+Pros
- ✓Simplest, most reliable layout — fewer moving parts to fail
- ✓ENERGY STAR Most Efficient — lowest-in-class energy use
- ✓Aggressive pricing makes it one of the cheapest ways into the category
–Cons
- ✕No built-in ice maker on this configuration
- ✕Bending to reach fresh-food drawers becomes a daily nuisance for tall users
- ✕Trim and drawer hardware feel lighter than premium competitors
Rating Breakdown
Where to Buy
| Retailer | Current Price | |
|---|---|---|
| Home Depot | See retailer | Shop at Home Depot |
| Best Buy | See retailer | Shop at Best Buy |
| Lowe's | See retailer | Shop at Lowe's |
Prices and availability vary by region. We may earn a commission on purchases at no cost to you — see our disclosure & methodology. Affiliate relationships do not influence ratings.
