When it comes to purchasing a car, one of the biggest expenses is insurance. The cost of insuring a vehicle can vary greatly depending on several factors, including the make and model of the car. If you are looking for a car that will be cheap to insure, there are several options to consider.
Factors that Affect Car Insurance Rates
Before we dive into the best cars for cheap insurance, it’s important to understand the factors that affect car insurance rates. These include:
Factor |
Description |
Make and model of the car |
Certain makes and models are more expensive to insure due to their safety ratings, cost of repairs, and likelihood of theft. |
Driving record |
Drivers with a history of accidents or traffic violations will pay more for insurance. |
Age and gender |
Younger drivers and male drivers typically pay more for insurance due to their higher risk of accidents. |
Credit score |
Drivers with lower credit scores may pay more for insurance. |
Location |
Drivers in urban areas may pay more for insurance due to higher rates of accidents and theft. |
Best Cars for Cheap Insurance
Honda Civic
The Honda Civic is a reliable and affordable car that is also cheap to insure. This car has a high safety rating and is not typically targeted by thieves, so insurance rates are lower. Additionally, the Honda Civic has a lower cost of repairs, which can also help lower insurance rates.
Another benefit of the Honda Civic is its fuel efficiency. This car gets up to 36 miles per gallon on the highway, which can save you money on gas in addition to insurance.
Toyota Corolla
Similar to the Honda Civic, the Toyota Corolla is a reliable and affordable car that is also cheap to insure. This car has a high safety rating and is not typically targeted by thieves, so insurance rates are lower.
The Toyota Corolla also has a lower cost of repairs, which can help lower insurance rates. Additionally, this car gets up to 40 miles per gallon on the highway, making it a great option for those looking to save money on gas and insurance.
Mazda CX-3
If you are looking for a small SUV that is cheap to insure, the Mazda CX-3 is a great option. This car has a high safety rating and is not typically targeted by thieves, which can help lower insurance rates.
The Mazda CX-3 also has a lower cost of repairs compared to other SUVs, which can also help lower insurance rates. Additionally, this car has great fuel efficiency, getting up to 34 miles per gallon on the highway.
Subaru Outback
The Subaru Outback is a great option for those who need more space than a sedan or small SUV. This car has a high safety rating and is not typically targeted by thieves, which can help lower insurance rates.
The Subaru Outback also has a lower cost of repairs compared to other SUVs, which can also help lower insurance rates. Additionally, this car has great fuel efficiency, getting up to 33 miles per gallon on the highway.
FAQ about Car Insurance
What is the minimum amount of car insurance required?
The minimum amount of car insurance required varies by state. However, most states require drivers to have liability insurance, which covers damages to others if you are at fault in an accident.
How can I lower my car insurance rates?
There are several ways to lower your car insurance rates, including:
- Choose a car that is cheap to insure
- Keep a clean driving record
- Take a defensive driving course
- Bundle your insurance policies
- Opt for a higher deductible
- Improve your credit score
What is comprehensive car insurance?
Comprehensive car insurance is an optional insurance coverage that covers damages to your car that are not caused by a collision, such as theft, vandalism, or natural disasters.
Is car insurance required if I don’t own a car?
No, car insurance is not required if you don’t own a car. However, if you frequently borrow a car or rent a car, you may want to consider getting non-owner car insurance to protect yourself in case of an accident.
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