When picking out the best cars for teens, safety is normally the biggest refer for parents. The cost of insuring a car is tied to the hazard of causing wound or property damage. Using insurance costs as a proxy for gamble and safety, we examined 125 cars for a sample 18-year-old driver survive in Pennsylvania, to see which types of cars insurers saw as least hazardous and safest .
Our learn found a wide range of policy costs in the sample distribution with the Mazda MX-5 Miata as the brassy car to insure, Subaru Outback was the moment cheap to insure and Volkswagen Golf GTI took third seat. For the best cars to insure for adults, chew the fat here .

Best cars for teens

The table below shows the 20 brassy models to insure for our 18 year-old sample driver. Smaller compact cars, such as the Mazda MX-5 Miata and the Volkswagen Golf GTI, made it into the top 20 list. SUVs and larger cars were besides represented, including the Subaru Outback and the Honda Odyssey .

Rank

Car

MSRP

Average Annual Car Insurance

1 Mazda MX-5 Miata $23,720 $2,640
2 Subaru Outback 23,495 2,735
3 Volkswagen Golf GTI 25,385 2,740
4 Mini Countryman 19,950 2,766
5 Volkswagen Routan 28,375 2,769
6 Smart Fortwo 13,270 2,776
7 Fiat 500L 19,195 2,786
8 Honda Odyssey 28,825 2,788
9 Subaru Legacy 20,295 2,792
10 Mini Paceman 23,300 2,807
11 Toyota Sienna 26,920 2,808
12 Ford Mustang 22,510 2,821

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Most expensive cars to insure for teens

The list of the most expensive cars to insure is largely made up of covenant cars and vans. The sum of the annual insurance premium varied by more than $ 640 between the cheapest ( Mazda MX-5 Miata ) and most expensive ( Kia Forte ) to insure. Surprisingly, some of the most expensive cars to insure had sticker prices less than $20,000, including the Kia Forte and Honda Civic .

Rank

Car

MSRP

Average Annual Car Insurance

1 Kia Forte $15,900 $3,282
1 Mini Cooper Hardtop 23,162 3,282
3 Mitsubishi i-MiEV 22,995 3,282
4 Scion tC 19,210 3,268
5 Kia Rio 13,900 3,217
6 Hyundai Accent 14,645 3,202
7 Mitsubishi Lancer 17,195 3,152
8 Ford F-150 25,025 3,146
9 Honda Civic 18,190 3,138
10 Hyundai Elantra 17,200 3,125

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How we conducted the study

The ranking was based on the most buy cars in 2014 that monetary value less than $ 30,000 ; there were a total of 125 cars included in the study. The exemplar driver we used was an 18-year-old male, who had a clean drive record and a good credit score, who used his car by and large for commuting to school or knead .
The average cost for insuring each car was calculated by getting quotes from 20 different car indemnity companies in Pennsylvania. We used requirements for car insurance in Pennsylvania for the policy coverage in the sketch .

Pennsylvania Required Car Insurance coverage

PA Required Min. Limits

Bodily Injury ( BI )

$15,000 per person / $30,000 per accident
property Damage ( PD ) $5,000 per accident
checkup Benefits ( PIP ) $5,000 per accident

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