If you own or drive one of these cars, you're getting a bargain on car insurance coverage
Several factors affect the rate you will pay for car insurance. One of those factors is the type of car you drive, as some models are more expensive to insure than others. When you are shopping for auto insurance, the least expensive cars to insure are usually the ones that have the best safety features and the lowest risk of theft. Here are ten of the least expensive cars to insure.
This list is drawn from a number of sources including independent surveys, consumer reports and surveys, cross-reporting between leading insurance companies, underwriting agencies and reports from organizations like the National Association of Insurance Commissioners (NAIC)
The premium rates listed for each model are based on these driver profile assumptions and coverage levels:
- A 40-year old married male driver with a roughly 15-mile daily commute
- 100/300/50 liability coverage levels
- Collision coverage with a $500 deductible
- Comprehensive coverage with a $500 deductible
Chevy Impala - with an average insurance premium of around $960 per year this sedan has front-wheel drive 
and safety features such as anti-lock brakes, dusk-sensing headlamps, daytime running lights, tire pressure monitoring and an anti-theft system.
Honda Accord - available as a four-door sedan or two-door coupe, it comes with anti-lock brakes, front seat belt pretensioners, child safety locks, emergency braking assist and other safety features and an average insurance premium of $951 per year.
Volkswagen Passat - logs an annual insurance premium of $936, and is available as a wagon with five doors or a sedan with four doors and safety features that include six airbags, four-wheel-disc brakes and ABS, speed-variable electromechanical steering, electronic stability control, tire-pressure monitor, full LED brakelights and a security system
Honda Odyssey- this popular mini-van has an annual insurance premium of $871, a maximum seating capacity of eight passengers and safety features such as side-impact and curtain airbags, four-wheel disc anti-lock brakes, traction control and an electronic stability system come standard in all models.
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Chrysler's Town & Country Van -has an average annual insurance premium of around $915, with all the modern safety features of a family-friendly mini-van and the highly popular Stow'n Go seats that can be folded into the floor.
Ford Edge - this popular crossover vehicle tops a lot of lists of low car insurance rates for the least expensive
vehicles at around $820 in annual premium costs, the car has a number of modern safety features, impressve mileage and a bumper-to-bumper warranty envied by many.
Kia Sportage - the Sportage gets up to 27 mpg on the highway and has emergency braking assist, traction control, front seat belt pretensioners and other safety features, and costs around $840 each year to insure.
Jeep Wrangler - this fun offroad vehicle runs an annual insurance premium of around $930 and performed well on safety tests, receiving a five-star side crash rating and a four-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA).
Jeep Grand Cherokee - received a four-star safety rating from the NHTSA and averages an annual premium of around $940.
Subaru Outback 2.5i Premium - comes with dozens of options and safety features such as daytime running lights, anti-lock brakes, stability control, dusk-sensing headlamps and an anti-theft system with an annual premium cost of around $875.
While these may be some of the the least expensive cars to insure, they aren't "cheap" cars you won't be able to rely on. In fact, the durability and family-friendly nature of these cars is one reason why they are less expensive to insure.
Remember, your premium will also depend on factors like your credit score, driving record and where you live and drive. Speaking with an insurance professional will help you determine how to get the best possible insurance coverage for you and your family. Reply! can help by putting you in contact with insurance professionals in your area who are ready to assist you with all your car insurance coverage needs.