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Top Ten Least Expensive Cars to Insure
Cheapest Cars To Insure
We all know that not all cars cost the same to insure, and we likely even understand why. Cars that are fast, expensive or more likely to be stolen are naturally going to cost more money when it’s time to pay for car insurance.
Our data comes from Insure.com, and it includes pricing information from Allstate. Farmers. GEICO. Nationwide. Progressive and State Farm in 10 ZIP codes per state. For the purposes of this list, Insure.com assumes full coverage for a single 40-year-old male with a clean record, a 12-mile daily commute, policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.
Click through to find out which vehicles will save you money on car insurance.
Average insurance rate for 12 months: $1,113
This makes sense. You’d expect that people who buy minivans are likely doing so to fill them with family members, and with such precious cargo on board, you’d also expect a minivan like the Honda Odyssey to be driven safely.
Research the Honda Odyssey
Average insurance rate for 12 months: $1,170
The Honda CR-V is a very sensible choice. It’s high projected reliability and resale value ought to appeal to those looking for a good investment, and those same senses and sensibilities make it relatively inexpensive to insure.
Research the Honda CR-V
Dodge Grand Caravan
Average insurance rate for 12 months: $1,174
Right, a minivan. The Dodge Grand Caravan kicked off the whole minivan craze way back in the early 1980s, and it’s been going strong ever since. The Grand Caravan is on the way out, being replaced by the Pacifica, but its low price continues to make it popular with families. And as a family-mobile, rates stay low.
Research the Dodge Grand Caravan
Average insurance rate for 12 months: $1,180
SUVs and crossovers from the Jeep brand offer surprisingly low insurance costs. While the Patriot may not be your best option from America’s best-known off-road brand if you plan to actually use it as intended (off-road, that is), it’s still a capable vehicle with which to explore a little bit off the beaten path.
Research the Jeep Patriot
Average insurance rate for 12 months: $1,181
The Jeep Wrangler. specifically in Sport guise, is one of the cheapest vehicle to insure, at least when assuming the set of criteria as outlined at the outset. If you don’t want a somewhat stripped-down Sport model, we’re happy to report that other, more expensive and better-equipped versions, including the Sahara and Rubicon, are also considered cheap to insure. Have some fun!
Research the Jeep Wrangler
Average insurance rate for 12 months: $1,190
The Compass may be Jeep’s least off-road-oriented offering, and that might have something to do with its low insurance costs (and you may be at least partially right). It joins a surprising number of other Jeeps on this list.
Research the Jeep Compass
Average insurance rate for 12 months: $1,194
The Ford Escape. specifically one in the base S-model guise, is the 10th cheapest vehicle to insure on our list. It’s a crossover that isn’t likely to actually leave the pavement, so we can understand why it’s average insurance rate is in the bargain bin.
Research the Ford Escape
Average insurance rate for 12 months: $1,200
The diminutive Buick Encore is a big hit. It joins a whole heap of other small- and medium-sized crossovers on this list, reflecting a general trend towards crossovers in general. Its natural habitat is the suburbs, keeping rates low.
Research the Buick Encore
Average insurance rate for 12 months: $1,203
Despite some legitimate off-road chops, the Cherokee is still a front-drive based crossover, and the insurance rates reflect that. It’ll stay mostly on pavement, and mostly in the hands of families and non-risky owners. Hence the reasonable insurance premiums.
Research the Jeep Cherokee
Average insurance rate for 12 months: $1,204
The Frontier is the only truck on the list, and the most expensive vehicle to insure of all. But the spread is meager; only $91 separates this from the Odyssey in the lead. The Frontier has been on the market for a very long time, and that may have something to do with its reasonable cost to insure.