The Top 20 Cars That Have the Lowest Insurance Rates

Save Money on Insurance Over the Life of Vehicle with these Cars!

When people think about buying a new car they consider the price, the interest rates, the physical characteristics of the vehicle, and the motoring of the vehicle. The thing that many people forget to consider when purchasing a new or used vehicle is what it will cost to insure. Insurance premiums are pretty costly, and they are even more costly for certain cars. Everyone wants cheap car insurance but don’t realize how important the car choice is.

According to Insure.com, the Top 20 least expensive cars to ensure are as follows:
The 20 least expensive
2009 vehicles to insure
________________________________________
Rank Average
Premium Vehicle Class
1 $832 Hyundai Santa Fe Midsize SUV
2 $840 Kia Sportage Small SUV
3 $848 Hyundai Entourage Minivan
4 $857 Kia Sedona Minivan
5 $870 Kia Rio5 Small wagon
6 $871 Honda Odyssey Minivan
7 $881 Smart Fortwo Small passenger car
8 $911 Saturn VUE SUV
9 $913 Mazda Tribute SUV
10 $915 Chrysler Town & Country Minivan
11 $921 Scion xB Small wagon
12 $929 Mazda Mazda5 Minivan
13 $936 Volkswagen Passat Passenger car
14 $939 Jeep Wrangler SUV
15 $951 Honda Accord Passenger car
16 $954 Suzuki Forenza Passenger car
17 $955 Lincoln Town Car Passenger car
18 $957 Mazda Truck Pickup
19 $959 Chevrolet Impala Passenger car
20 $960 Dodge Grand Caravan

The rates listed above, will vary, based on age, sex, driving record, and commuting distance. Now for the real question: What makes these vehicles so much cheaper than other vehicles to insure?

Faster cars are more likely to get into accidents, than those that are more conservative with speed. Insurance companies see that if you are purchasing a car that has high speed and power, such as a convertible or sports car, you will be using that power and speed, and that puts you more at risk for accidents. It is also looked at that these types of vehicles are attractive to younger generation drivers, and younger drivers are more likely to speed, and also have higher premiums than someone with more driving experience.

Another big reason that sportier cars have a higher premium is because they are more attractive to car thieves. They are more likely to be broken into or stolen, because of the money value of the vehicle. Soft-top convertibles have a higher premium, as well, because they are so much easier to break into than a regular car or sport car.

Cars such as hybrids or foreign cars cost more money to replace or to replace parts. Therefore, they have a higher insurance rate than a car that has general, standard equipment. Luxury cars that contain DVD players or high-end luxuries are more expensive to replace than a car that has standard equipment. Hybrids are considered a car with a higher insurance premium because parts are sparse and are expensive to replace.

The age of a car has a lot to do with the insurance rate that you receive from your insurance agent. If a car is brand new, they are expensive to insure because the parts are new and expensive. If the car is an older car, the parts will be harder to find and more expensive because of the availability. Along with the age of the car comes the color of the car. Many people believe that if you get a bright colored car, such as yellow, orange, or red, that it will cost more to insure. That is considered a myth. A red car will not cost anymore to insure than a white or black car with the same features. The pearly or metallic colors in cars are slightly higher to insure than basic car colors because the ingredients in those paints are more expensive to obtain.

A vehicle with 4 wheel drive is more to insure because they are more complex to put back together. There are more parts to insure and therefore bring in a higher rate. It is somewhat a win-win situation though, because a 4 wheel drive vehicle such as an SUV or large truck, are not considered a car that is likely to be stolen because they are harder to hide. Therefore, the premium would be relative to that of a luxury sedan. Another aspect of more complex vehicles is a diesel vehicle. They are like a 4 wheel drive vehicle in the aspect that they are more complex and parts are more expensive to repair, making the premium higher. Turbo or high performance cars are the same way. If you have the MUSCLE car, you want to be able to use the power and turbo to show off the car. The effect of this is that there is a lot of engine wear and tear. This is another item to think about when purchasing a car of this nature.

The vehicles listed above, may have some of the features mentioned in the previous paragraphs, but they are standard cars that will save the driver a little money to insure. Think about insurance before you go out and buy your new vehicle. It may save you thousands in the life of the car.

Actual Yearly Savings
  • Janice
  • $480
  • Jul 15, 2014
  • Wanda
  • $600
  • Jul 1, 2014
  • Dana
  • $960
  • Jun 30, 2014
  • Verness
  • $1200
  • Jun 30, 2014
  • Shondalay
  • $1000
  • Jun 30, 2014
  • Chris
  • $120
  • Jun 27, 2014
  • Anthony
  • $600
  • Jun 24, 2014
  • Melissa
  • $1200
  • Jun 18, 2014
  • Daphne
  • $480
  • Jun 12, 2014
  • Yomara
  • $1800
  • Jun 10, 2014
  • Jose
  • $2400
  • Jun 6, 2014
  • Risa
  • $480
  • Jun 5, 2014
  • Alan
  • $1200
  • Jun 4, 2014
  • Tonisha
  • $1000
  • Jun 1, 2014
  • Tiffany
  • $1000
  • May 29, 2014
  • Desiree
  • $1200
  • May 19, 2014
  • Danielle
  • $1800
  • May 16, 2014
  • Lujendo
  • $540
  • May 15, 2014
  • David
  • $900
  • May 13, 2014
  • Damber
  • $800
  • May 9, 2014
  • Lakisa
  • $960
  • May 7, 2014
  • Rodney
  • $1440
  • May 6, 2014
  • Ashley
  • $600
  • May 5, 2014
  • Michael
  • $2000
  • May 5, 2014
  • Vita
  • $1200
  • May 2, 2014
  • Kathleen
  • $200
  • Apr 28, 2014
  • Elizabeth
  • $600
  • Apr 26, 2014
  • Mercades
  • $1000
  • Apr 9, 2014
  • Steven
  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
  • Teddy
  • $1200
  • Apr 5, 2014
  • Shyte
  • $660
  • Apr 1, 2014
  • Janna
  • $1200
  • Apr 1, 2014
  • Bre-on
  • $400
  • Mar 31, 2014
  • Vita
  • $1200
  • Mar 30, 2014
  • Curtis
  • $2400
  • Mar 28, 2014
  • Clinton
  • $400
  • Mar 25, 2014
  • Janelle
  • $1800
  • Mar 25, 2014
  • Amanda
  • $1000
  • Mar 21, 2014
  • Tricia
  • $600
  • Mar 21, 2014
  • Douglas
  • $1000
  • Mar 20, 2014
  • Edmund
  • $1200
  • Mar 18, 2014
  • Dashawn
  • $1100
  • Mar 18, 2014
  • Summer
  • $2016
  • Mar 15, 2014
  • Hashem
  • $1000
  • Mar 14, 2014
  • Margaret
  • $2400
  • Mar 14, 2014
  • Jacqueline
  • $2400
  • Mar 14, 2014
  • Jessica
  • $1200
  • Mar 13, 2014
  • Sofrona
  • $400
  • Mar 13, 2014
  • Angela
  • $1200
  • Mar 12, 2014

Our Commitment

We Stand Behind Our Commitment to do our Best to get You the Lowest Rates Online. Getting cheap auto insurance quotes is so easy now.


One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared



How Much Did You Save With Us?

Tell us how much you saved, and we will might just feature your savings right here on our site along with our other top savers!

First Name*

Last Name*

Savings (estimate)*

Frequency*

Your Email*

[We'll NEVER use your email address to send you promotional/junk email]

Resources

Compare Actual Vehicle Rates
Going Green
Insurance Resources
State Requirements