Lowest Insurance Car: Finding the Best Deal

Car insurance is an important aspect of car ownership, but it can also be a significant expense. According to the National Association of Insurance Commissioners (NAIC), the average cost of car insurance in the United States is $935.80 per year. However, the cost can vary widely depending on several factors, such as the type of car you own, your driving record, and your location.

Factors That Affect Car Insurance Rates

Before we dive into the lowest insurance cars, let’s take a look at the factors that affect car insurance rates.

Type of Car

The type of car you own can have a significant impact on your insurance rates. Generally, cars that are considered safer, more affordable, and less expensive to repair will have lower insurance rates. Sports cars, luxury cars, and high-performance vehicles, on the other hand, will have higher rates because they are considered riskier to insure.

Driving Record

Another factor that affects car insurance rates is your driving record. If you have a history of accidents, traffic violations, or DUIs, you will likely pay more for car insurance. On the other hand, if you have a clean driving record, you may be eligible for discounts and lower rates.

Location

Where you live can also affect your car insurance rates. If you live in an area with a high crime rate, high accident rate, or severe weather conditions, you may pay more for car insurance. Insurance companies use data to determine the risk of insuring drivers in different locations, which can affect the rates they charge.

Top 10 Lowest Insurance Cars

If you’re looking for a car with low insurance rates, here are the top 10 lowest insurance cars based on data from the Insurance Institute for Highway Safety (IIHS) and Kelley Blue Book:

1. Subaru Outback

The Subaru Outback is a midsize wagon that is known for its safety and reliability. It comes standard with all-wheel drive, which can help improve handling and traction in inclement weather. It also has a good safety rating from the IIHS, which can help lower insurance rates.

Additionally, the Outback has a lower average repair cost than many other vehicles in its class, which can reduce insurance rates further. Overall, the Subaru Outback is a great choice if you’re looking for a car with low insurance rates and good safety features.

2. Jeep Wrangler

The Jeep Wrangler is a popular SUV that is well-known for its off-road capabilities. It also has a lower-than-average insurance rate due to its strong safety features and low theft rate. Additionally, the Wrangler’s parts and repairs are relatively inexpensive, which can save you money on insurance.

3. Ford Escape

The Ford Escape is a compact SUV that is known for its fuel efficiency and affordability. It has a good safety rating from the IIHS and comes with several standard safety features, such as a rearview camera and blind spot monitoring. The Escape also has a lower-than-average repair cost, which can help reduce insurance rates.

4. Nissan Rogue

The Nissan Rogue is another popular choice for drivers who want a car with low insurance rates. It has a good safety rating from the IIHS and comes with many standard safety features, such as a rearview camera and automatic emergency braking. The Rogue also has a lower-than-average repair cost, which can help further reduce insurance rates.

5. Honda CR-V

The Honda CR-V is a compact SUV that is known for its reliability and fuel efficiency. It has a good safety rating from the IIHS and comes with many advanced safety features, such as adaptive cruise control and lane departure warning. The CR-V also has a lower-than-average insurance rate, which can make it an attractive option for budget-conscious drivers.

Frequently Asked Questions About Low Insurance Cars

1. What Is the Cheapest Car to Insure?

The cheapest car to insure is the 2021 Subaru Outback, according to data from the IIHS and Kelley Blue Book. However, insurance rates can vary widely depending on several factors, such as your driving record and location.

2. Can I Get Full Coverage Insurance on a Low Insurance Car?

Yes, you can get full coverage insurance on a low insurance car. Full coverage insurance typically includes liability insurance, collision insurance, and comprehensive insurance. However, keep in mind that full coverage insurance will typically be more expensive than basic liability insurance.

3. Are Low Insurance Cars Safe?

Yes, low insurance cars can be safe. The cars on our list of top 10 lowest insurance cars all have good safety ratings from the IIHS and come with many advanced safety features. However, keep in mind that safety ratings and features can vary widely depending on the make and model of the car.

4. How Can I Find the Lowest Insurance Car for Me?

The best way to find the lowest insurance car for you is to do your research. Look for cars with good safety ratings, low theft rates, and affordable repair costs. Additionally, you can get insurance quotes from several different companies to compare rates and find the best deal.

5. Can I Lower My Car Insurance Rates?

Yes, there are several ways to lower your car insurance rates. You can maintain a clean driving record, choose a car with low insurance rates, bundle your car insurance with other types of insurance, and take advantage of discounts offered by your insurance company.

Conclusion

Car insurance rates can be a significant expense, but there are ways to reduce your costs. Choosing a car with low insurance rates is one of the best ways to save money on car insurance. By doing your research and comparing insurance quotes, you can find the best deal on car insurance and protect yourself and your car on the road.