Find the Car with the Lowest Insurance Rates

Buying a car can be a significant investment, and one factor that you should consider when making your purchase is the cost of insurance. Car insurance rates can vary greatly, depending on the car’s make, model, and year. A car with a high safety rating and low accident frequency is generally cheaper to insure than a vehicle that’s more of a risk on the road. Many other factors, such as the driver’s zip code, age, and driving history, also play a role in determining car insurance rates.

Factors That Affect Car Insurance Rates

Several factors influence car insurance rates, including:

Cars with the Lowest Insurance Rates

If you’re looking for a car with low insurance rates, consider these options:

Honda Odyssey

The Honda Odyssey is a minivan that’s been lauded for its reliability, safety, and low cost of ownership. In addition to its practicality and spaciousness, it also tends to have low insurance rates.

The 2019 model year has an average annual insurance cost of $1,298, according to Insure.com. This is well below the national average of $1,674 per year.

One possible reason for the Odyssey’s low insurance rates is its strong safety rating. The 2019 model received a Top Safety Pick+ rating from the Insurance Institute for Highway Safety.

Jeep Wrangler

If you’re looking for a car that’s also great for off-roading adventures, the Jeep Wrangler may be a good choice. Despite its ruggedness and potential for accidents on rough terrain, the Wrangler often has low insurance rates.

According to Insure.com, the 2019 Wrangler has an average annual insurance cost of $1,391. This is slightly higher than the Odyssey’s rate but still well below the national average.

The Wrangler’s low insurance rates may be due in part to its enhanced safety features, including front and side airbags and electronic stability control.

Subaru Outback

The Subaru Outback is a crossover SUV that’s popular for its all-wheel-drive capabilities and versatile design. It also tends to have low insurance rates.

The 2019 Outback has an average annual insurance cost of $1,306, according to Insure.com. This is only slightly higher than the Odyssey’s rate.

The Outback’s low insurance rates may be attributed to its reputation for safety and reliability. The 2019 model earned a Top Safety Pick+ rating from the Insurance Institute for Highway Safety.

FAQ: Car Insurance Rates

How can I lower my car insurance rates?

To lower your car insurance rates, you may consider taking the following steps:

1. Compare rates from multiple insurance companies.
2. Bundling your car insurance with other policies, such as homeowner’s or renter’s insurance.
3. Increasing your deductible.
4. Taking a defensive driving course to potentially qualify for a discount.
5. Maintaining a good driving record and avoiding accidents and traffic violations.

Why do some cars have lower insurance rates than others?

Insurance companies consider several factors when setting car insurance rates, including the car’s make and model, safety features, likelihood of theft, and average cost of repairs. Cars that are generally safer and more reliable may be more affordable to insure than those that are considered riskier or more expensive to repair.

What is an average car insurance rate?

The average car insurance rate in the United States is about $1,674 per year, according to Insure.com. However, rates can vary widely depending on several factors, such as the driver’s age, location, and driving history, as well as the car’s make and model.

Conclusion

Choosing a car that’s affordable to insure is an important consideration to keep in mind when making a major investment like buying a car. The Honda Odyssey, Jeep Wrangler, and Subaru Outback are just a few examples of cars that are generally cheaper to insure than other models. Be sure to compare rates from multiple insurance companies and take steps to maintain a good driving record to potentially qualify for discounts and lower rates.