Cheapest Car Brands to Insure

In addition, the style of car you drive—sedan, hatchback, SUV, pickup truck—also influences insurance premiums. According to Insurify, trucks have lower premiums than sedans and SUVs, and sedans have the highest premiums. Although all vehicle types are represented in the list of cheapest cars to insure, Insurify says the average truck costs about 16 percent less to insure than the average sedan.

To determine how much you pay for car insurance, insurers take into account your driving record, age, location, credit score, and the kind of car you drive. Features such as automatic emergency braking (AEB) or good crash test ratings, which are proven to reduce injuries, tend to cost less to insure. By comparison, sports cars that tend to be involved in higher-speed crashes, luxury cars that are expensive to repair, or vehicles that are more likely to be stolen tend to cost more to insure.

Generally, brands that emphasize luxury and performance tend to be more expensive to insure than mainstream brands. However, there are some exceptions. For example, although Chevrolet is a brand with low overall insurance costs, its Camaro sports car has some of the most expensive monthly premiums of any vehicle.

“If your vehicle is relatively cheap and gets totaled, it will cost your insurer less to replace it than a more expensive model,” says Matt Brannon, a data journalist at Insurify.

That’s why we recommend that you call your insurance company and get a quote for how much it will cost to insure before you make a purchase.

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