A List of the Cheapest Domestic and Foreign Car Models to Insure.

Published: March 4, 2018

Updated: September 20, 2018



The model of car you drive will have a significant impact on the insurance premium you will have to pay. The amount you pay will depend on many considerations when you want to insure your car and sometimes initial cost and size will not be significant in influencing your premium. Factors such as the vehicle’s popularity, age, attractiveness to robbers, the locality and zip code, the gender and age of the driver and the credit score of the driver are also factors to consider.

If you own a car and you are young, it can be really expensive to get it insured. Young drivers are often considered as high risk drivers because of their lack of driving experience; for this reason their premium are very high. Some young people are very lucky to have parents who will insure their car on their behalf thus saving them a lot of money each year. On the other hand, others have to pay for their own coverage by themselves or worse still choose to drive without any form of insurance policy.

For a young male driver, the average cost of insurance is about 4000 pounds per annum. For a young female driver the cost is about 2000 pounds. If you have to insure your own car, it is imperative to get the cheapest insurance available. The deals you get depend on the cost of the car and your age, it also depends on the type of car you own. This means it is important for you to ensure you own the right vehicle that will guarantee the best deal for you.

The insurance coverage that you select is also an important consideration. Many province stipulate a minimum amount of liability which depends on the comprehensive coverage, collision, and age of the vehicle. In fact, the comprehensive and the collision sum up to one-half of the yearly cost of the policy, hence it pays to wisely choose your next car.

Mini vans and larger sedans are the cheapest vehicles to insure. They have the lowest insurance losses for comprehensive and collision. For a middle aged man, the average car insurance rate on this list is below $1,000 per annum.

These are the cheapest models to insure:

  • Lincoln Town Car
  • Chevrolet Impala
  • Chrysler Town and Country
  • Dodge Caravan
  • Mercury Marina
  • Chevrolet Uplander
  • Saturn Vue
  • Jeep Wrangler
  • Mercury Grand Marquis
  • Chrysler Town and County

Others include:

  • Kia Sportage
  • Hyundai Santa Fe
  • Hyundai Veracruz
  • Kia Sedona
  • Kia Rio5
  • Mitsubishi Endeavor
  • Honda Accord
  • Honda Odyssey

In conclusion, some of the factors that determine the list of cheapest cars to insure are: credit score, the driver’s gender and age, popularity of the vehicle, driving history, thief record, and location. If you are meticulous and you first check the insurance rate, you will find car insurance quotes that you can afford.