Which cars have the lowest auto insurance premiums?
Kia, Ford, and Honda have some of the lowest auto insurance premiums. Nationally, auto insurance costs around $79.58/mo. on average.
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Written by Mathew B. Sims |
Reviewed by Daniel Walker |
UPDATED: Apr 24, 2020
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The Mazda Tribute, a two-wheel drive SUV, was the cheapest ride to insure in 2010. In the same year, the Dodge Caliber was the cheapest coupe to insure.
Some drivers want to let the world know they can, and do, own a highly desirable auto, such as a Porsche 911 Carrera GT2. You’ll pay an average auto insurance premium of $2,900 to insure the 2010 model (not to mention the sticker price of about $180,000 to buy the car).
Conversely, buying a modest Honda Odyssey LX mini-van costs about $1,000 in insurance premiums.
Both average premium amounts assume a driver with a good driving history.
Whatever car you have, compare car rates by using our FREE online tool below!
Where do I find a recent list of cars that have the lowest insurance premiums?
The make, model, age, and condition of your auto also affect how much an insurance company requests to insure your car. Kia, Ford, Honda, Mazda, Chrysler, Dodge, Hyundai, and Jeep were among the makes listed in the least expensive to insure category in 2010.
Some of the cheapest cars to insure include the:
- Hyundai Sante Fe
- Hyundai Entourage
- Kia Sportage
- Kia Sedona
Contact your state department of insurance for more information about the least expensive vehicles to insure in your state and home location. Other factors, like your state auto insurance laws, affect how much you pay to drive any car.
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What are some other ways I can reduce my auto insurance premiums?
According to the Highway Loss Data Institute, auto insurance companies evaluate data for how most motorized vehicles perform on the road. Your specific driver profile is affected by:
- Car accidents
- Speeding tickets
- Driving under the influence/driving while impaired (DUI/DWI) infractions
- Claims you’ve presented
Your auto insurance rates may differ from other, similar drivers in your state.
If you’re a young driver, you know that auto insurance companies anticipate the higher risk of loss. Your insurance rates may be higher because you don’t really have a driving history yet.
Ask your auto insurance company about good grades and other indicators of personal responsibility considered by auto insurance companies.
According to Kiplinger Finance, many young drivers get better auto insurance rates when their parents (as good drivers without an accident or moving violation or claim in three years) add them to the family auto insurance policy as an occasional driver.
The insurance industry tends to like some driver groups, such as stay-at-home mothers. These drivers most often use their vehicle for personal use only.
Mom may not drive the vehicle every day. She doesn’t commute in heavy traffic and doesn’t drive at night. Most days, she’s relaxed and obeys the rules of the road.
Ask your auto insurance company about better auto insurance rates if you drive an auto with less frequency and for personal use only.