The Cheapest Cars to Insure

July 10, 2013 / by / 0 Comment

cheap carsWhen shopping for a new car, it makes sense to research which models are the cheapest cars to insure. This is only one factor to consider, of course, but it is something that will make a real difference to your monthly and annual car related expenses.

What Makes Some Cars More Expensive to Insure Than Others?

Insurance companies rely on statistics to arrive at their rates. Vehicles that are involved in more accidents and that require more repairs therefore cost more to insure. This may not seem fair to you, as you are in effect paying for the behavior of other drivers. For example, sports cars tend to be among the most expensive cars to insure. This is due to the fact that, on average, people who drive these cars tend to be more reckless than average. So even if you’re a super cautious sports car driver, you will have to pay extra in order to drive such a car.

Naturally, your insurance rates depend on many factors, and the vehicle you choose is only one of them. More important is your own driving record, as well as your age, location and the number of miles you drive per week.

Yet many drivers overlook the fact that the make and model of their vehicle is indeed a significant factor in determining their insurance rates.

Which Cars are Cheapest to Insure?

This is a number that changes over time. Minivans were once the cheapest vehicles to insure, because these are traditionally used by families with kids. These are people who tend to be cautious and not drive long distances.

Currently, however, SUVs are taking the place of minivans in this regard. For that reason, some of the cheapest cars to insure fall into this category. On the top ten list of least expensive cars to insure, several are SUVs:

  • Ford Edge
  • Jeep Grand Cherokee Laredo
  • Subaru Outback 2.5i Premium
  • Ford Explorer
  • Jeep Patriot Sport

Another vehicle on this list is the Chevrolet Express, a full sized passenger van. We can see from this that insurance companies favor larger vehicles that are typically used to transport families.

Finding the Cheapest Insurance

When you shop around for auto insurance, you must do some comparison shopping. Using a site such as can help you locate the best deal. Even if you choose a vehicle that ranks as being among the cheapest cars to insure, you will often find significant differences in rates.

Car insurance is a necessary expense, but that doesn’t mean you should pay any more than you have to. By doing research, choosing the right vehicle and a reasonable insurance company, you can keep your costs as low as possible.

About the Author

Jyotsna Ramani is a passionate writer and an avid globetrotter. She had a knack for writing since her early years, though that was mostly letters to her penpals and jotting her thoughts down in her "Dear Diary". Over the years, she realized how her hobby could turn into a full time career and she started writing web content, books and pieces for local magazines. There has been no looking back ever since. Follow Jyotsna Ramani at Google+

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