You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the lector. Our finish is to give you the best advice to help you make smart personal finance decisions. We follow rigid guidelines to ensure that our editorial content is not influenced by advertisers. Our column team receives no address recompense from advertisers, and our subject is thoroughly fact-checked to ensure accuracy. then, whether you ’ re reading an article or a recapitulation, you can trust that you ’ re getting credible and reliable information. We prize your confidence. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in plaza to ensure that happens. Our editors and reporters thoroughly fact-check editorial capacity to ensure the information you ’ ra reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive aim compensation from our advertisers. Bankrate follows a stern editorial policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate contented to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ re putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — thus you can feel confident about which provider is right for you. Bankrate follows a hard-and-fast column policy, so you can trust that we ’ ra putting your interests first. All of our content is authored by highly qualified professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a long track record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making march and giving people confidence in which actions to take future. While we adhere to strict column integrity, this position may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. People want to shop smart when purchasing a new car. They consider their budget, the price of the vehicle, number of miles they expect to drive and fuel efficiency. But not everyone considers the premium they will have to pay to insure the vehicle. While it might seem like a good idea to take advantage of a great batch on a raw vehicle, not all cars are bum to insure. Bankrate assessed car insurance rates for the most popular cable car models of 2020 to determine the cheapest cars to insure .
Top 10 cars with the cheapest car insurance
While a cheaper car will not guarantee lower indemnity premiums, there are low-cost vehicle that are besides low-cost to insure. By comparing the top-selling models of 2020, Bankrate found the Subaru Outback to be the cheapest for minimum coverage at lone $ 510 and $ 1,475 for full moon coverage. Close on its heels is the Honda CR-V at an annual premium of $ 527 for minimum coverage and $ 1,366 with full coverage, including optional comprehensive and collision. These sport utility vehicles have been a customer favorite for years due to their seat capacity and fuel efficiency.
| Vehicle | Average Minimum Coverage | Average Full Coverage |
| Subaru Outback | $510 | $1,475 |
| Honda CR-V | $527 | $1,366 |
| Toyota RAV4 | $535 | $1,451 |
| Hyundai Tucson | $544 | $1,394 |
| Toyota Highlander | $547 | $1,585 |
| Ford F-150 | $556 | $1,432 |
| Ram Pickup | $558 | $1,555 |
| Jeep Wrangler | $567 | $1,462 |
| Nissan Rogue | $579 | $1,501 |
| Chevrolet Silverado | $582 | $1,517 |
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Cars to avoid for cheap insurance
While price isn ’ thyroxine everything, budget vehicles with high safety ratings and low claim-filing rates normally offer the cheapest car policy premium. expensive sports and luxury cars are dearly-won to own and typically come with the highest annual premiums. A Honda CR-V covenant SUV will always be cheaper to own and insure than high-end lavishness vehicles such as a Lamborghini or a Porsche. It is best to avoid the surveil kinds of vehicles to save on car policy :
- High-end luxury cars
- Expensive compact cars
- Cars with specialty parts
- Vehicles with low safety ratings
How a car’s make and model impacts insurance rates
The vehicle ’ mho price is only one of the several factors that determine how much it costs to insure. Besides your drive record, historic period, ZIP code and credit-based indemnity grudge, the vehicle ’ s make and model are besides significant rating factors when calculating the premium, according to the Insurance Information Institute. Insurers determine what premiums to charge on sealed makes and models based on factors such as claim file rate, compensate costs and incidences of larceny. If a sealed model has had a large volume of claims in the recent past, insurers tend to charge a higher premium for it, regardless of the vehicle ’ randomness price or the drive commemorate of the cover. Some bum vehicles have high repair costs, which can lead to heftier policy premiums. On the flip side, some higher-priced cars might not cost adenine much to insure due to a favorable claims history, good guard ratings, driver aid technologies and minimal compensate costs. Some other attributes of a vehicle that can affect the bounty are :
- Age: The older the car, the cheaper it might be to insure compared to newer models.
- Size: Bigger, heavier vehicles are capable of causing more damage on the road, leading to a higher auto insurance premium.
- Trim level: Upgraded features in a vehicle affect the purchase price and the cost of insurance.
- Safety features: Better safety features installed in a vehicle minimize the risk of collision and theft and are often associated with lower insurance premiums.
Frequently asked questions
What is the average cost of car insurance?
The modal cost of car indemnity in the U.S. is $ 1,738, but the price varies from one driver to another, depending on localization, ZIP code, credit-based policy grade, driving record and type of car. It ’ s a beneficial idea to compare quotes from multiple insurers offering the lapp coverage options to find the best value for your singular needs .
How do I lower my car insurance premium?
Since car indemnity premiums depend on multiple factors related to driver and vehicle, there is no one specific way to lower the cost. Some best practices for getting lower car insurance premiums include buying a cheaper vehicle with estimable safety ratings, keeping an eye on your credit standings and maintaining a dependable drive record. Speak with your car insurance company or a accredited insurance master to determine what factors might be driving your policy rates up .
What are the best car insurance companies?
There is no one best car indemnity company for everyone. It ’ s a good idea to shop around and compare carriers, then speak with a accredited indemnity professional before purchasing a policy .
Methodology
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male driver with a cleaning drive record, good credit rating and the keep up full coverage limits :
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- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverages that meet each submit ’ sulfur requirements. Our sample driver commutes five days a workweek and drives 12,000 miles per annum. The vehicles analyzed are the 25 top-selling models in the U.S. in 2020, as reported by Kelley Blue Book. These are sample rates and should be used for comparative purposes entirely. Your quotes may be different .