Cheapest Cars To Insure

Cheapest cars to insure

When looking for a new car, you research its features and compare prices to make sure you're getting the best deal. You also want to know which cars are the cheapest to insure. When compared to other cars, minivans and small SUVs are, on average, the least expensive to insure.

Car insurance for Sedans is the most expensive in the industry as a whole. Some cars cost more to insure than others for a variety of reasons, such as high repair costs, a bad safety record, or a lack of anti-theft features.

What are the cheapest cars to insure in 2022

Cheapest Car To Insure in Different States In 2022

Cheapest cars to insure among popular models [25 Best selling vehicles according to way]

Cheapest cars to insure by make

Cheapest cars to insure by car type

Cheapest SUVs to insure

Cheapest sports cars to insure

Middle of the pack: Medium-expensive cars to insure

The most expensive cars to insure

Cheapest cars for insurance in 2020

1.Subaru Outback

The least expensive car to insure was the Subaru Outback. Average insurance costs were only 4.8% of the manufacturer's suggested retail price of the car (MSRP). On average, it costs $120 per month to insure a Subaru Outback.

2.GMC Canyon

GMC Canyon owners had the second-cheapest car insurance rates in the country. Average insurance rates are about $122 per month, which was almost $20 less than the national average.

3.Nissan Frontier

The Nissan Frontier was the least expensive truck to insure and the third least expensive car to insure. The average cost of car insurance in a state is $68 less than the national average.

4.Fiat 500X

The car insurance rates for Fiat 500X owners were the fourth cheapest in the country. The average cost of car insurance for a Fiat 500X is $130 per month, which makes it the least expensive crossover SUV.

5.Dodge Compass

The Jeep Compass costs the fifth least to insure and was the second least expensive SUV crossover. A Jeep Compass would cost a 30-year-old single man with a good driving record $134 per month.

Cheapest cars for insurance in 2019

1.Subaru Outback

The insurance rates for the Subaru Outback were the lowest in the country, which was an added bonus. Average insurance costs are only 6% of the manufacturer's suggested retail price of the car (MSRP). On average, it costs $120 a month to insure a Subaru Outback.

2.The Chevy Colorado

The average cost of insurance for a Chevrolet Colorado was $124 per month. Most insurance companies knew that these cars were easy to fix, so the premium was only 5% percent of the total MSRP.

3.Ford Escape

The good news was that if you drove a Ford Escape, your monthly premium would have been around $128. As one of the least expensive cars to insure, the premiums were only 6% of the car's MSRP.

4.Fiat 500x

The Fiat 500x had low rates for car insurance. Your insurance costs would have been no more than 7% of the car's MSRP. On average, a Fiat 500x costs $130 a month to insure.

5.Subaru Crosstrek

The average Subaru Crosstrek insurance premium was $130 per month. The maintenance costs for the Crosstrek were low, and the insurance premium was only 7% of the MSRP.

Cheapest cars for insurance in 2018

1.Honda CR-V

Honda CR-V costs around $110 per month on average. It is a miniature sport utility vehicle with a list price of $24,250. The cheapest insurance provider was Progressive.

2.Toyota Highlander

Toyota Highlander had a monthly premium is $112 for a minivan. Its MSRP is $30,090. Progressive was the most affordable insurance provider.

3.Jeep Cherokee

Jeep Cherokee owners were paying $113 a month on average for an SUV. It has a retail price of $21,695. The cheapest insurance provider was USAA.

Can car models determine your insurance rate?

When asking for a quote on car insurance, you will need to give the model and make of the car you are interested in. A VIN is also needed to finish the policy, but giving it early in the process of getting a quote is better.

The price you pay for car insurance is based not only on how risky you and your car are, but also on how much it would cost to replace your car. Because your comprehensive and collision coverages are meant to pay for damage to your car, the value of your car has a lot to do with how much you pay for insurance.

Lower the features, lower the insurance rates

How much you pay for car insurance depends directly on the make, model, and trim of your car. This is because insurers use this information to figure out how much your car is worth, what safety features it has, and how much it might cost to fix. For example, repairing a luxury car cost more than repairing a standard car, so the premiums are higher for luxury cars.

Vehicle MSRP : Most of the time, it costs more to fix a more expensive car because it has custom, foreign, or high-quality parts. This usually leads to higher insurance rates. You might also need higher coverage limits to pay for claims, which means you'll have to pay more for coverage.

Ratings for safety : Fewer accidents happen with safer cars, and they cost less to fix. That means that, on average, there will be fewer claims, which will save you money.

Chances of theft : Thieves often try to steal cars like the Honda Accord and the Chevy Impala. This makes insurance more expensive.

Sportiness : Most people are more likely to speed in a sportier car, which makes them more likely to get into an accident. Since soft tops can be easier to steal, there are also more thefts of convertibles.

Types of vehicles to avoid to get cheap insurance

Some people may think that luxury sports cars are the best cars ever made. They are fast, strong, and good-looking, and most of the time, they are also very luxurious. They can have a fixed hardtop, a convertible top, or a Targa, which is a one-piece roof panel that can be taken off.

Whether you want to drive with the top down on the boulevard or at high speeds around a racetrack, there is probably a luxury sports car that can make your dream come true. Getting a quote for auto insurance just like you would for any other car to cover an exotic or sports car is possible.

But keep in mind that high-performance cars can cause your car insurance rates to go up. With more horsepower, your insurance company takes on more risk. And not every insurance company covers all high-end cars. You may have to avoid these cars if you are looking for cheap insurance.

BMW 440i, Porsche Panamera, Mercedes-Benz C43 AMG, Genesis G70, Lexus RC 350, Audi S5, Mercedes-Benz S550, Mercedes-Benz E400, 2022 Chevrolet Corvette, 2022 Porsche Cayman, 2022 Porsche Boxster, 2022 Audi R8, 2022 Porsche 911, 2022 BMW 8-Series, Tesla Model S, Cadillac CTS-V Coupe are some high end and sports car with some hefty car insurance premium in 2022.

Other factors to get cheap insurance for your car

Using ways to save money when buying a new car is a great way to stick to your budget. One way to save money is to think about the brand and model you buy. Here are a few more ways to save money on car insurance:

Research and compare quotes

Even if you get quotes for the same coverages from different companies, the prices will probably be different. Rates are calculated differently by each carrier, so for the same coverage options, one may be more expensive than the other.

Ask for discounts

To lower the cost of car insurance, insurance companies offer discounts. Most can be combined to save you the most money, so make sure you ask about all the ones you qualify for to get the best car insurance quote.

Keep a clean driving record

Be a responsible driver. People who drive safely and don't get tickets tend to have fewer accidents and get fewer tickets. This can help you get more discounts and keep your rates low.

Increase your deductible

Think about raising deductibles. By raising your deductible, you can save money on your premium and avoid making small claims that could raise your car insurance costs. Your premium will be less if your deductible is higher. Before you change your deductible, remember that this is how much you will have to pay out of pocket if you make a claim.

Payment in full

Some car insurance companies give you a discount if you pay your premium all at once instead of paying it every month.