Want the Best Car Insurance? Top 10 Cheapest Cars to Insure
By: David Schneider, Car Insurance Expert
CheaperCarInsurance.com
If you’re looking to get the best car insurance rate, consider the car you drive. Some cars are cheaper to insure than others. Why? It depends on their safety rating. The higher the rating, the less likely the vehicle is to be totaled or severely damaged in an accident. Car insurance companies like that, so they charge less for insurance premiums on these cars.
How Insurance Companies Determine the Best Car Insurance Premium
Safety ratings aren’t the only factor that go into how an insurance company decides how much to charge for car insurance. Here are some of the other factors.
- Driver’s driving history
- Driver’s credit history
- Driver’s age and sex
- Likelihood the car will be stolen (a sports car has a higher risk than a sedan)
- Cost to repair or replace parts
- The car’s safety equipment
10 Cheapest Cars to Insure
This list may change over the years, but many of these vehicles, due to their stellar safety ratings, consistently make the list of top cheapest cars to insure. If you’re looking to buy a new or used car, consider this list if you want to get the best car insurance.
The insurance average premiums listed here are just that: an average. Your best car insurance cost may be higher or lower, depending on your coverage, driving history and other factors.
1. 2009 Scion XB: On average, the annual best car insurance premium to insure the Scion XB is $880. As the cheapest car to insure, it tops our list.
2. 2009 Mazda Mazda 5: For just $929 a year (on average), it costs about $77 a month to get car insurance for this family friendly car.
3. 2009 Volkswagen Passat: Sometimes paying more for a vehicle can help you save later. While the Passat costs more on the lot, your insurance bill will be around $936 a year.
4. 2009 Jeep Wrangler: Because the Wrangler is tough and durable, the Wrangler stands up in accidents. The best insurance companies don’t overcharge for insurance, with averages at $939 annually.
5. 2009 Honda Accord: The Accord is consistently on the list of great safety ratings, which lower its best car insurance premium to around $951 a year.
6. 2009 Suzuki Forenza: Not only is the Forenza cheap to insure at approximately $954 a year, but it’s also pretty affordable to buy. Squirrel away that savings for a vacation.
7. 2009 Lincoln Town Car: The Town Car also costs a little more than some of the vehicles on this list, but with the best car insurance cost at around $955 annually, you’ll save in the long run.
8. 2009 Mazda B-Series Truck: For $957 a year, you can insure this durable truck. It’s meant to stand up to dings and scrapes.
9. 2009 Chevrolet Impala: If you’re looking for a midsize car that’s affordable to insure, buy an Impala. It costs around $959 annually to insure.
10. 2009 Dodge Caravan: If you have a family, you want them protected at all costs. Fortunately, those costs aren’t high for the Caravan: its safety ratings warrant it about $960 annually in insurance premiums.
Tips on Finding the Best Car Insurance Rate
If you don’t like any of the cars on this list, you can still get an idea of what your car insurance premium will be. Check out the safety ratings of the top 5 cars you are interested in buying to see who stacks up best. Then go to our Get a Quote page and build insurance quotes from multiple insurance companies as if you owned each model. This way, you can see which car gets the best car insurance rate.
Posted: January 11, 2010
