Top 11 List of Cars With Lowest Insurance Rates Review In 2022

cars with lowest insurance rates

Owning a car is a luxury that most can not afford. So, if you own one or are considering buying one, you need to look for cars with the lowest insurance rates.

A private mode of transportation is essential, especially after the pandemic when we learned to maintain distance from crowds.

Furthermore, with fuel and new vehicle prices skyrocketing, you need a vehicle that at least gives you peace from one front. Car Insurance Rate is one of the prime factors that impact your purchase. A cheap car with high insurance rates is not a good idea. Thus, do proper research.

The insurance rate of your vehicle depends on various factors like its make, model, type, fuel, safety, technological features, location, and more. Sports cars, luxury SUVs, and EVs are among the most expensive rides to insure. And with rising inflation, there is no such thing as cheap left. 

However, today we bring you our list of cars with the lowest insurance rates in 2022. The list comprises SUVs, sedans, pickups, & other rides. 

We did our best to put efficient models on the list that not only offer cheap rates but good quality & performance.

So, let us get started and help you find the best ride with the best insurance rates.

11 Safest Cars With Lowest Insurance Rates

On average, automobiles like minivans, small-size SUVs & sedans are the least expensive to insure compared to others.

The more luxury, features, safety, and space a vehicle possesses, the costlier it becomes to insure.

Larger sedans, sports cars, and luxury SUVs are the most expensive vehicles to insure across the country.

But we found some great models with decent features for you. Check out our list of the top 11 cheapest cars to insure:

  1. Subaru Forester Wilderness: $1,353
  2. Honda CR-V LX: $1,366
  3. Honda HR-V EX: $1,398
  4. Ford Transit Connect XL: $1,405
  5. Volkswagen Tiguan S: $1,406
  6. Mazda CX-5 S Select: $1,407
  7. Subaru Outback 2.5I: $1,407
  8. Chrysler Voyager LX: $1,413
  9. Jeep Wrangler: $1,415
  10. Toyota Camry: $1,441
  11. Ford F-150: $1,465

What Are The Different Factors That Affect The Car Insurance Cost?

If you are looking for cars with the lowest insurance rates, then there are a few things that you need to know. The insurance rate does not depend on the make & model only.

Several other factors play a crucial role in deciding the final cost. Many people who own an affordable or used car end up paying high premium rates. And this is due to being oblivious to the base of how car insurance works.

But do not worry. We bring some of the most crucial factors that are the front-seater in deciding your insurance premium. Check them out below.

While getting car insurance, your age plays a vital role in deciding the rates. It is why insurance rates are higher for teenagers & young drivers.

The more experienced & older driver you are, the less the insurance rate you get. But it is the exact opposite for young & inexperienced ones. They are more reckless, meaning companies are more likely to pay for their damage.

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In the United States, gender plays a crucial role in deciding insurance rates, based on which state you reside,

Although this is more prominent with young drivers, a significant impact is seen among drivers of all ages.

However, few states like California, Hawaii, Montana, North Carolina, etc., do not allow auto insurance companies to factor in gender while determining insurance rates.

When it comes to insurance, each state has its own rules & regulations, meaning rates can vary. Insuring a particular car in one state can cost you cheaper than in the other.

Not only this, but even within the state, the insurance rates fluctuate from ZIP code to ZIP code mainly due to accident rates, vehicle thefts & other issues happening in the area.

How good or bad of a driver you have been in the past plays a significant role in determining your insurance rate. 

Drivers with faults like multiple accidents, DUIs, tickets, & other offenses or no record are likely to get higher rates.

However, if you are a safe driver with little to no blemish on your driving record, you can easily negotiate affordable rates.

The level of coverage you choose for your ride also contributes to your insurance rate.

Partial coverage insurance will cost less compared to full coverage insurance.

People with older or used cars are more likely to go for partial coverage like liability-only insurance. But a person with a brand new or expensive ride needs to go full to avoid loss.

A deductible in insurance means the amount that you will pay from your pocket in the event of a claim. The higher the deductible, the lower the insurance rate & vice-versa.

This happens because, by paying a high deductible, you are reducing the amount your insurance company has to pay in the event of a claim.

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Your credit score plays a crucial role in your insurance cost in most of the states across the country.

It is seen that people with poor credit scores are more likely to file a claim compared with good ones. Also, people with a good credit score are said to pay higher deductibles.

But having a bad credit score does not mean you can not negotiate. Apply for multiple quotes, compare and find the most suitable insurance for your ride.

The safety mileage left on your vehicle also plays a vital role in the insurance rate. The fewer driven miles on your ride give you better chances of negotiation.

How often you drive is also essential for some insurers. Thus, if you have more driven miles on your car, getting cheaper rates is hard.

How Does The Type Of A Vehicle Impacts The Insurance Rate?

Insurance providers consider various factors while determining the rate for your insurance.

Out of all, the make or build of your automobile plays a vital role. It is because, based on the model, the company further considers some other features.

To make you understand better, we have explained some points that explain how the type of your vehicle affects your insurance rate.

The level of safety features & rating of a vehicle impacts the insurance costs. A vehicle with high safety ratings from NHTSA & IIHS and more equipped tech components can help you earn more bargains.

However, at the same time, the cost may rise as the repair cost of high-tech features is quite hefty.

Thus, overall safety ratings from NHTSA & IIHS plus the availability of safety features affect your insurance rate.

  • Repair or Replacement Costs

A vehicle built with expensive and rare parts can get you high premiums. However, a regular ride with inexpensive auto parts will get cheaper rates.

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Also, if you own a premium car, its replacement cost will be more than a non-premium one.

Larger vehicles are bound to cause more damage in an accident than smaller ones. Also, high automobiles like pickups, SUVs, etc., are more likely to roll over, causing more mess.

Thus, the greater the damage risk a vehicle possesses, the higher its insurance value and vice-versa. Insurer never goes easy on a car with a greater risk ratio.

Top 6 Recommendations To Consider When Looking For Cheapest To Insure

Buying a vehicle and buying a car with affordable insurance rates are two different things. 

In the former scenario, you don’t think much and go for whatever you desire. However, with the latter, you need to think of different things to ensure you do not end with an overall costly ride.

Here we have some recommendations from the experts that can help you find a vehicle that will be cheap to insure.

  • Steer Clear Of Luxury Cars

Premium vehicles, whether small or big, are among the costly ones to insure. The reason is their value. The more expensive a car is to buy, the more it will cost to insure it. 

Generally, a luxury car owner pays around $1,000 more on insurance than non-luxury car owners.

So, avoid going for high-end rides if you want low costing insurance.

We understand if you are a speed lover, but going for a sports car will not benefit you. Traditionally, sports cars are upscale to insure. The potent engine, premium design, exclusive tech & safety features play an essential role.

Build for the love of speed. Sports cars are more likely to get into accidents. They are among the rides that have the highest collision losses.

So, avoid sports cars and look for another type like sedan, SUV, or coupe. & others.

  • Say No To Latest Launches

It is common for people to want what is trending and latest. However, in the case of automobiles, it can backfire.

The newer the model, the higher the insurance premium it will draw. It is simply because the latest launches are worth more than the ones already in the market.

It is like if you ought to buy a previous year’s model of a vehicle, then it will be cheaper to insure compared to its latest launch.

  • Decide If You Really Need A Hybrid or EV

Hybrid and Electric vehicles are overpriced to insure as they come with high price tags compared to conventional. In addition, the repair & replacement costs of these vehicles are more.

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So, decide rationally if you seriously need a hybrid or EV. If a conventional ride fits the bill, do not exhaust your bank account by buying something unnecessary.

  • See What Vehicles Are More Prone To Get Stolen

Vehicles getting stolen is a huge issue that impacts insurance costs. The models that are more likely to get stolen will have higher insurance premiums. So, find out what models are most likely to get stolen in your neighborhood and avoid them.

In general, Honda Accord, Chevy Pickup, Toyota Camry, and Ford Pickup are among the top stolen vehicles in the USA.

  • Used Does Not Guarantee Cheap

If you are okay with buying a used car, it is good. However, if you think that a used car will cost you cheaper insurance rates, then you are wrong.

The current condition of the car plays the hand here. If it has exceeded the miles limit, chances of getting damage, poor safety ratings, and ensuring it will cost similar to a new ride.

Thus, understand buying a used car is not bad but inspect its current condition properly before making the purchase.

A vehicle in worse shape is a liability, not an asset.

Top 11 List of Cars With Lowest Insurance Rates Review In 2022

In the United States Of America, it is abided by law to own a vehicle with insurance. The rules may vary from state to state. But as an owner, you should secure your ride for your safety.

Insurance coverage can help you if you or someone else damage your ride. Having car insurance is saving yourself from the strain of getting a huge sum instantly.

However, with time the insurance rates are going crazy. It is hard to find a vehicle that will cost cheaper to insure. The advanced tech & safety features, high-end engines, and other features contribute to escalated insurance prices.

But we were still able to find the top eleven vehicles that for 2022 come with the lowest insurance rates. Explore the cars with the lowest insurance rates but remember the insurance prices are estimated and can vary in real-time.

1. Subaru Forester Wilderness: $1,353

cars with lowest insurance rates
  • MSRP: From $33,520
  • Engine: 2.5L 4-cylinder
  • Horsepower: 182hp
  • MPG: 25 City/28 highway
  • Towing Capacity: 3,000 pounds

Subaru Forester Wilderness is a compact sport utility vehicle powered by a 2.5L 4-cylinder engine. It comes paired with a continuously variable transmission producing 182hp and 176 pound-feet of torque.

The model can sprint from zero to 60mph in 8 seconds. It also holds good fuel efficiency. It rates 25mpg in the city & 28mpg on the highway.

You can own the base model for a starting price of $33,520, and it will take only $1,353 annually to ensure this SUV. It is one of the best compact cars with the lowest insurance rates.

  • Optional power liftgate
  • Powerful engine
  • Good off-road capabilities
  • A good choice for everyday ride
  • Not so good refinement between on & off-road features

2. Honda CR-V LX: $1,366

safest cars with lowest insurance rates
  • MSRP: From $26,800
  • Engine: 1.5L 4-cylinder
  • Horsepower: 190hp
  • MPG: 28 city/34 highway
  • Towing Capacity: 1,500 lbs

Honda CR-V LX is powered by a compact 1.5L 4-cylinder engine producing 190hp and 179 lb-ft of torque. It comes in two configurations ranging from $26,800 to $28,300.

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It comes with impressive fuel efficiency. It has EPA estimates of 28mpg in the city and 34mpg on the highway.

The model can go from zero to 60mph in 8.6 seconds and has a top speed of 129mph.

You can get insurance for this ride for an annual cost of $1,366. It is one of the best cars with the lowest insurance rates for new drivers.

  • 5-Star safety rating from NHTSA
  • A lengthy list of advanced safety & tech 
  • Good gas mileage
  • Excellent cargo capacity
  • Come with no complimentary maintenance

3. Honda HR-V EX: $1,398

compact cars with lowest insurance rates
  • MSRP: From $25,070
  • Engine: 1.8L 4-cylinder
  • Horsepower: 141hp
  • MPG: 28 city/34 highway
  • Towing Capacity: 1,500 pounds

Honda HR-V EX is a subcompact SUV run by a 1.8L 4-cylinder paired with continuously variable transmission channeling 141hp and 127 lb-ft of torque.

This SUV can attain a top speed of 116mph and accelerate from zero to 60mph in 8.8 to 10.3 seconds.

The impressive fuel economy of 28mpg in the city & 34mpg on the highway makes it an efficient ride.

You can own the base model for an initial price of $25,070 and insure it for an annual charge of $1,398.

  • A prolonged list of safety features
  • Compact yet powerful engine
  • Good fuel economy
  • Slow acceleration
  • Poor towing capacity

4. Ford Transit Connect XL: $1,405

small cars with lowest insurance rates
  • MSRP: From $31,540
  • Engine: 2L 4-cylinder, 2.5L 4-cylinder
  • Horsepower: 162 to 169hp
  • MPG: 24 city/28 highway
  • Towing Capacity: 2,000 lbs.

If you are looking for a family ride, Ford Transit Connect XL is an excellent choice. 

This van is powered by variable engines, 2L 4-cylinder & 2.5L 4-cylinder, producing 162 to 169 horsepower.

The vehicle has a seating capacity of 2 to 6 people. It has lots of options & configuration choices and is all about space.

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Despite being large, this van is easy to maneuver in tight spaces. For a van, it holds good fuel economy. It rates 24mpg in the city and 28mpg on the highway.

You can purchase this brand-new ride for a base price of $31,540 and have it insured for $1,405 annually.

  • Overall 5-star safety rating from NHTSA
  • Easy to maneuver
  • Good fuel economy
  • Spacious cabin
  • Limited standard safety features
  • No complimentary maintenance

5. Volkswagen Tiguan S: $1,406

cars with lowest insurance rates for teenage drivers
  • MSRP: From $27,785
  • Engine: 2.0L 4-cylinder
  • Horsepower: 182hp
  • MPG: 23 city/ 30 highway

Volkswagen Tiguan S, a compact SUV, comes with an efficient turbocharged 2.0L 4-cylinder under its hood, producing 184hp.

This sporty SUV is fun to drive. It has a front-wheel-drive standard with automatic transmission.

It is an efficient ride offering 23mpg in the city and 30mpg on the highway. The infotainment system features touch-sensitive controls, which are a little fiddly to use.

You can own the base model for $27,785 and have it insured for an annual cost of $1,406.

  • Come with complimentary maintenance for 2 years  
  • Good fuel efficiency
  • Affordable base price
  • Refreshed for 2022
  • A few standard safety features

6. Mazda CX-5 S Select: $1,407

cars with lowest insurance rates for young drivers
  • MSRP: From $28,250
  • Engine: 2.5L 4-cylinder
  • Horsepower: 187hp
  • MPG: 24 city/30 highway
  • Towing Capacity: 2,000 pounds

Another compact SUV with cheap insurance rates is Mazda CX-5 S Select.

This SUV comes with a 2.5L 4-cylinder engine with automatic and 6-Spd SKYACTIV-Drive w/Manual & Sport Modes producing 187hp.

The satisfying fuel economy of 24mpg in the city and 30mpg on the highway makes it a good choice in the long run.

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This vehicle comes with a starting price of $28,250, and you can insure it for $1,407. And the basic warranty covers three years or 36,000 miles.

  • Reliable
  • Good value for money
  • Ample standard safety & tech features
  • Advanced infotainment system
  • No complimentary maintenance coverage

7. Subaru Outback 2.5I: $1,407

cars with lowest insurance rates for new drivers
  • MSRP: From $27,145
  • Engine: 2.5L 4-cylinder
  • Horsepower: 175hp
  • MPG: 25 city / 32 highway
  • Towing Capacity: 2,700 lbs

The Subaru Outback 2.5I is one of the best cars with the lowest insurance rates for young drivers. 

You can own the base model for $27,145 and get insurance with an annual charge of around $1,407.

The model is channeled by a 2.5L 4-cylinder engine paired with a continuously variable transmission producing 175hp & 174 lb-ft of torque.

You get impressive fuel economy with an EPA rating of 25mpg in the city and 32mpg on the highway.

  • 5-Star overall safety ratings from NHTSA & IIHS
  • Come with a comprehensive set of driver-assistance features
  • Comfortable ride
  • Efficient engine
  • You get no complimentary maintenance
  • Poor steering

8. Chrysler Voyager LX: $1,413

find the lowest car insurance rates
  • MSRP: From $33,610
  • Engine: 3.6 L V6
  • Horsepower: 287hp
  • MPG: 19 city / 28 highway
  • Towing Capacity: 3,600 lbs

The Chrysler Voyager LX minivan is another ride that you can buy with cheap insurance rates in 2022. It boasts an affordable price and versatile interior.

Voyager LX is powered by a 3.6 L V6 engine paired with a standard 9-speed automatic & front wheel drive pumping 287hp. This minivan can sprint to 60mph in 7.3 seconds. The ample seating & cargo space make it ideal for business purposes.

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There is only one trim & it comes loaded with many technological, entertainment, and optional safety features.

This minivan can be yours for a starting price of $33,610, and you can get insurance for it with an average annual fee of $1,413.

  • Ample seating & cargo room
  • Sturdy acceleration
  • Affordable
  • Come with no complimentary maintenance
  • Not many standard safety features

9. Jeep Wrangler: $1,415

small cars with lowest insurance rates
  • MSRP: From $29,995
  • Engine: 2.0 L 4-cylinder, 3.0 L V6 diesel, 3.6 L V6
  • Horsepower: 260 to 285 hp
  • MPG: Up to 22 city/29 highway
  • Towing Capacity: 2,000 to 3,500 lbs

If you are an off-roader lover and want a ride that can help you explore unexplored terrains but at an affordable insurance price, then Jeep Wrangler is for you.

This SUV comes standard with a 3.6L V6 engine paired with a 6-speed manual or 8-speed automatic transmission producing 285hp.

There are optional 4-cylinder and V6 diesel engines available too. Wrangler offers eight trims that are available as hybrids too.

You can own the base model for $29,995 and have an average annual insurance premium of $1,415.

But in terms of fuel efficiency, this SUV is a little disappointing. It offers 22mpg in the city and 29mpg on the highway.

  • Impressive off-road capabilities
  • Robust engine options
  • Come with a soft rooftop giving you a convertible experience
  • Few standard features
  • Poor gas efficiency

10. Toyota Camry: $1,441

list of cars with lowest insurance rates
  • MSRP: From $25,845
  • Engine: 2.5 L 4-cylinder, 3.5 L V6
  • Horsepower: 202 to 301hp
  • MPG: Up to 28 city / 39 highway

If you are looking for cars with the lowest insurance rates for teenage drivers, nothing is better than Toyota Camry.

This small car comes with a base price of $25,845, and you can get it insured for an average annual insurance premium of $1,441. It comes standard with a 2.5 L 4-cylinder engine with an eight-speed automatic producing 202hp. There is a hybrid version also available.

It offers excellent fuel economy, is easy to handle, and holds a 5-star safety rating from NHTSA. Camry is an ideal ride for teenagers & young drivers.

If you like, you can also explore the best safe cars for teenagers.

  • Spacious seats
  • User-friendly features
  • Excellent safety ratings
  • Composed handling
  • Small Trunk space
  • Noisy interior

11. Ford F-150: $1,465

  • MSRP: From $30,870
  • Engine: 2.7L V6, 3.5L V6, 3.3L V6, 5.0L V8
  • Horsepower: 290 to 450 hp
  • MPG: Up to 25 city / 25 highway
  • Towing Capacity: 5,000 to 11,300 lbs

If you eye an insurance-friendly pickup truck, Ford F-150 is your best bet. This pickup comes with an initial price of $30,870, and you can get it insured for an average annual premium cost of $1,465.

This robust ride is powered by various engines, paired with a standard 10-speed automatic producing 290 to 450hp. It is also available in a hybrid powertrain.

Ample seating & cargo space and exceptional towing capacity make it the perfect ride for heavy jobs and daily commutes.

Its overall fuel economy of 25mpg in the city and 25mpg on the highway is satisfactory. Furthermore, its 5-star safety rating from NHTSA makes it a safe ride.

  • Excellent towing capabilities
  • Spacious & stylish interior
  • Easy to use tech features
  • No complimentary maintenance is offered by Ford

Top FAQS About Cars With Lowest Insurance Rates for Teenage Drivers

What are the top cars with the lowest insurance rates?

It is mandatory in the US that every car owner needs car insurance. It is a criminal offense to drive a car without such security.

But with increasing inflation, there is nothing cheap left. However, we were able to find some of the top automobiles for which you can get insurance at attractively affordable prices.

Check out the names below:

  • Subaru Forester Wilderness: $1,353
  • Honda CR-V LX: $1,366
  • Honda HR-V EX: $1,398
  • Ford Transit Connect XL: $1,405
  • Volkswagen Tiguan S: $1,406
What is the best small car with the lowest insurance rates?

If you are looking for a compact car to buy but with car insurance rates that are affordable for your purchase; Toyota Camry is the best choice.

This mid-size car comes with a starting price of $25,845, and you can get insurance for it with annual premium charges of $1,441.

Furthermore, this vehicle holds a 5-Star safety rating from NHTSA, making it a safe ride for you, your teenage driver, and your entire family.

What are the best-used cars with the lowest insurance rates?

If you desire to buy a used car but with a bottom line of affordable insurance, then Honda CR-V, Subaru Outback, Ford Escape, and Jeep Wrangler are the top models.

The used versions of these models will help you get much cheaper insurance prices compared to the brand new ones.

What are the cheapest car types to insure?

You can choose car insurance based on the type of vehicle. If you can not decide on any particular model to buy, go for the TYPE instead.

At present, Minivan, Crossover, SUVs, Pickup, Sedans, and Coupe are the cheapest automobile types. If you own any of these rides, you will get affordable rates compared to the other types.

What are the most expensive cars to insure?

Lexus NX 300h, Dodge Ram 1500 Rebel, Nissan Altima 2.0 S, Lexus RX 350, and Tesla Model 3 Standard Plus are some of the most expensive cars to insure in 2022.

These models come with high base prices. And the advanced features & their type add to the high insurance rates.

Does my past driving records affect my insurance rate?

YES. The previous record of every person shows if they are a reliable driver or not. A person with records of accidents, tickets, traffic rules violations & others is seen as an unworthy candidate.

To secure themselves, the insurance companies mark such people as risky candidates. They will only provide the insurance at high premiums to secure themselves.

Conclusion

The only way to free yourself from the worry of damage costs of your car is to insure it. And we hope our list of 11 top cars with the lowest insurance rates will help you with your new purchase.

So, which model do you think suits your budget the best?