20 Best Cars With Lowest Insurance Rates

Cars Techie is supported by readers. If you buy through links on our site, we may earn an affiliate commission at no extra cost to you.

The car insurance industry spends more than a billion dollars consistently persuading you to bring down your annual premium rates by changing to their organization. Notwithstanding, there is a mystery that these agencies won’t let you know: the kind of vehicle that you drive influences your rates more than which organization you pick. Besides this, car insurance is such a thing that varies widely depending upon several factors like the buyer’s age, insurance policy, car model, variant of the car and others. These factors make it difficult for the customers to choose the best cars that have lowest insurance rates. Well, carry on reading, and it won’t be a tantrum anymore because a list of best 20 cars with lowest insurance rates is mentioned below. The list is curated in ascending order depending upon the Average Annual Insurance Premium (AAIP) of the vehicles.

1. Hyundai Grand i10 – AAIP is $600

Car with Cheapest Insurance Rates

Image Credit: ibnlive

If you go through any list of lowest car insurance rates, then you will find that all of them are flooded with the vehicles like Grand i10. These cars cost less, and subsequently, the AAIP is also lower. When it comes to the insurance premium of Grand i10, then you have to cash out approximately $600 per year. This is the lowest rate of car insurance in America that anyone likes to afford for this nimble yet dashing vehicle.

2. Kia Rio – AAIP is $800

Car with Cheapest Insurance Rates

Image Credit: autoexpress

Kia is a favorite American car producer that has been providing safe, environment-friendly and cheap cars since its first production. Kia Rio is one of the latest additions to the product list from this brand and it being a car with cheapest insurance rates has been gathering much attention in recent times. This vehicle comes with a big boot space, lower level of CO2 emission level and a price tag of $15,060 that makes it one of the best environment-friendly cars.

3. Toyota Yaris – AAIP is $825

Car with Cheapest Insurance Rates

Image Credit: autoexpress

The road is not getting wider, but the number of cars is rising like a mushroom in a field! If you think like this and want to save money even if moving in a personal set of wheel, then Toyota Yaris is for you. Cost of this car is only $17,655 and if you consider AAIP, then depending upon your insurer it will range from $825 to $872 making it one of the cars with the lowest insurance rates. Moreover, this vehicle complies with the Euro stage 6 norms and produces only 99 grams of Co2 per kilometer. Thus, this car is a great option to have in your garage if you are concerned about the cost, insurance premium and emission.

4. Ram 1500 – AAIP is $1,050

Lowest Insurance Cars

Image Credit: motortrend

This is basically a pickup truck that comes with heavy safety features. NHTSA has certified it with 4.5-star rating making it secure for road transport usage. This vehicle will cost you around $26,145, but the average annual insurance premium is only $1,050 which makes it one of the best cars with lowest insurance rates. It is a good option for the people who migrate frequently.

5. Honda CR-V – AAIP is $1,146

Lowest Insurance Cars

Image Credit: practicalmotoring

This is a beast from Honda! The automaker wants to win the entire SUV lover’s heart with this one and thus has incorporated lots of cool features like adaptability, cruising, collision avoiding braking system and many more features in it. If you are looking for vehicles with lowest insurance rates, then this is it; grab it because you have to pay only $1,146 annually for this beast. Price is around $24,985 depending on the variant you are choosing, and it complies with Euro stage 6 norms that make it one of the best SUV for the American market.

6. Subaru Outback – AAIP $1,176

Lowest Insurance Cars

Image Credit: caranddriver

Among many other crossover SUV’s if you want to know what cars have the lowest insurance rates, then Subaru Outback is the best. This car comes with a price tag of $25,895 for the base variant. If you think this is the pretty low sum of money for a car like this, and then consider its annual average insurance premium, you will certainly be amazed. The AAIP is only $1,176 for a gorgeous, spacious and outrageous car like this. Besides this when you buy Outback from a showroom, then you will have the product assurance of Subaru that has been supplying outstanding cars to the Americans since many years.

Also Read: Top 10 Pros and Cons of Electric Cars

7. Jeep Cherokee – AAIP is $1,182

Lowest Insurance Cars

Image Credit: motortrend

One of the best American vehicles that come with lowest insurance rates is Jeep Cherokee. This car is known as the trademark of flaunting persona and car enthusiasm, but many people don’t know that this is also famous for the small annual insurance premium. Cost of this is almost $24,790 which is identical to any entry-level SUV, but the premium for the insurance is low; it is only $1,182 per annum. So, go for it, if you want to showcase persona and style without even making a hole in your pocket.

8. Chevy Equinox – AAIP is $1,209

Lowest Insurance Cars

Image Credit: edmunds

Chevy, the name is enough for the Americans to showcase stardom. This automaker has been producing stunning cars since its introduction, and till now it has given a plethora of outstanding vehicles to the car enthusiasts. Equinox is another outstanding product from Chevy. This car is one of the popular vehicles among lowest insurance cars. AAIP of this vehicle is only $1,209, and the price of the base variant is 26,445 only.

9. Jeep Wrangler – AAIP is $1,229

What Cars have the Lowest Insurance Rates

Image Credit: youtube

Jeep is a famous automaker in the USA and most of its cars are good looking, charming and aims young generation. Wrangler is another favorite vehicle from the jeep. This car comes with a price tag of $29,080 which is not really high compared to its features and style. But when it comes to the insurance premium, then this car is really cheap to have. The annual cost of insurance is only $1,229 depending on the insurer you are choosing. So, whether you are old or young, if you want to have a car with cheap insurance premium in your garage, then buy this beauty.

10. Toyota Highlander – AAIP is $1,234

What Cars have the Lowest Insurance Rates

Image Credit: youtube

Wondering what cars have the lowest insurance rates so that you don’t face excess burden on your wallet later! Well, Toyota Highlander is the best option for you. This car costs only $31,590 which itself is pretty less compared to its competitors, but when it comes to the annual insurance premium, then the value realization is really cheap. AAIP for this vehicle is only $1,234 making it one of the full-sized SUV with pretty small premium.

11. Toyota Tacoma – AAIP is $1,282

What Cars have the Lowest Insurance Rates

Image Credit: cars

Tacoma is a high-end pickup truck from Toyota which will cost you around $23,820. This car will provide you 19 mpg and plenty of color option, but the USP of this car is lower insurance premium. AAIP of this vehicle is only $1,282 that makes it one of the pocket-friendly automobile in pickup truck section. The automakers guarantee that this car will provide you more power, more charm and more adrenaline rush with its stunning and revamped body, engine and interior.

12. Nissan Rogue – AAIP is $1,285

What Cars have the Lowest Insurance Rates

Image Credit: nissanusa

The car looks stunning and runs aggressively on the road. Thus the name suits it pretty well. All new Nissan Rogue is one of the best crossovers that this automaker has ever produced. With bold cue lines and bonnet detailing, this car looks stunning when it moves like a Cadillac and roars like a bee. Coupled with below average AAIP of $1,285 this is one of the best cars with the lowest insurance with a price tag of $25,300 for the base trim.

Also Read: 20 Best Places to Buy Cars Online

13. Toyota RAV4 – AAIP is $1,287

Vehicles With Lowest Insurance Rates

Image Credit: edmunds

Looking for the lowest insurance cars that can give you feel like you are riding a high-end SUV! Well, Toyota RAV4 is here for you. The name of this vehicle itself is posing much gravity and coupled with the brand name Toyota this is all set to amaze you. Besides this, with a price tag of $24,410 and AAIP as little as $1,287, this is undoubtedly a wallet-friendly car. If you want to buy this car, then there are plenty of customization and color options available to choose. However, keep in mind that the cost price will affect the AAIP directly; i.e., if you want a car with a higher rate, then the cost of annual premium will also get higher.

14. Chevy Silverado 1500 – AAIP is $1,288

Vehicles With Lowest Insurance Rates

Image Credit: edmunds

This is a full size 4 x 4 pickup truck for those who prefer hippy style and migrate from one place to another frequently. Chevy is one of the oldest automakers in America that makes the car from this brand trustworthy and reliable. When it comes to the cost of this vehicle, then it is $28,880 only; however, the AAIP is pretty low. To keep your Silverado 1500 secure, you have to pay a premium of $1,288 annually.

15. Ford Explorer – AAIP is $1,313

Vehicles With Lowest Insurance Rates

Image Credit: CarandDriver

Ford, the name is good enough to make a car roar on the American streets. However, when it comes to Ford Explorer, then it is acknowledged as one of the best car with cheapest insurance rates throughout the world. Cost of this car is $32,105, but the AAIP is only $1,313 which is the best part of having this vehicle in your garage.

16. Honda Civic – AAIP is $1,436

Vehicles With Lowest Insurance Rates

Image Credit: honda

Civic from Honda has been luring plenty of American car lovers towards it since decades. With their fantastic cue line, bold design and comparatively lower price tag, it has been one of the best cars with lowest insurance rates that range from $1,436 to $ 1,450 annually. Cost of this car is $19,615 that makes it quiet pocket-friendly too. Besides this, the car has a 5-star rating in NHTSA that makes it a safe vehicle on the road.

17. Toyota Corolla – AAIP is $ 1,437

Cars With Lowest Insurance Rates

Image Credit: Actripity

Toyota is another famous automaker that has been producing beautiful vehicles from decades. Corolla from Toyota is known for its stunning design and low price list, but if you consider its annual average insurance premium, then it can certainly be acknowledged as a vehicle with lowest insurance rates. Besides this the cost of this car is pretty low; for instance, its base variant costs only $19,385, and this makes it a cheap car with stunning features.

18. Honda Odyssey Minivan – AAIP is $1,584

Cars With Lowest Insurance Rates

Image Credit: brightcove

Yet another car from Honda on the list of top 20 cars with cheap insurance premium. Well, vehicles from Honda are pocket-friendly, and at the same time, there is almost no one that can offer pretty look, stunning features and low AAIP compared to this automaker. Cost of Honda Odyssey Minivan starts from $34,800, and the average price of annual insurance is only $1,584, which is comparatively low compared to its rivals.

19. Acura RDX – AAIP is $1,890

Cars With Lowest Insurance Rates

Image Credit: f4fastcar

RDX from Acura is one of the best luxury crossover cars that this automaker has ever produced. The cost price of this stunning vehicle is $35,800, but the highest variant is almost $5000 higher than the base variant. Though the price is on the higher side but when it comes to AAIP of this vehicle, you have to cash out only $1,890 annually. With 6 speed automatic gearbox and 279-HP engine this automobile will certainly make you fall for this.

Also Read: 25 Best Custom Auto Shops in America

20. Buick Enclave – AAIP is $ 2,110

Cars With Lowest Insurance Rates

Image Credit: KBB

This one is another luxury SUV that is also acknowledged as one of the lowest insurance rate cars in its segment. Cost is whopping $39,995 for the base trim but comparing the insurance premium of $2,110 per year; this is much cheaper than its competitors. Equipped with a 9-inch display system in the center console, this vehicle is good to roam around in style.

Well, these are top 20 cars with lowest insurance rates. If you want to enjoy wandering around the cities freely without even bothering about the cost of damage, scratches, and chances of theft, then grab any one of these that suits your needs perfectly. Cost of these vehicles is actually cheap compared to their rivals that make them both pocket-friendly and hassle-free to have in your garage. So, what are you waiting for? Go and buy a car with lowest insurance rate. Happy driving!

Leave a Comment

Your email address will not be published.

Scroll to Top