Categories: Car Insurance

These 15 vehicles are the cheapest to insure

LOS ANGELES, CA - APRIL 25: Morning traffic fills the SR2 freeway on April 25, 2013 in Los Angeles, California. The nation's second largest city, Los Angeles, has again been ranked the worst in the nation for ozone pollution and fourth for particulates by the American Lung Association in it's annual air quality report card. Ozone is a component of smog that forms when sunlight reacts with hydrocarbon and nitrous oxide emissions. Particulates pollution includes substances like dust and soot. (Photo by David McNew/Getty Images)

Michael Timmermann | December 6th, 2017

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When you’re shopping around for a new or used car, it’s important to set a budget — which should include the cost of your auto insurance coverage.

A new study from Insure.com highlights some of the least expensive cars to insure.

Least expensive cars to insure

For the second year in a row, the Honda Odyssey LX tops the list. Minivans can be cheap to insure because they earn high safety ratings, according to the study.

In addition, they’re primarily driven by parents who tend to be cautious drivers — the kind insurance companies like.

Taking a look at other models on the list, we noticed there are quite a few SUVs and trucks and not as many compact or family sedans as you might expect.

Here are the 15 cheapest vehicles to insure:

1 Honda Odyssey LX $1,112
2 Jeep Renegade Sport $1,138
3 Jeep Wrangler Black Bear $1,148
4 Honda CR-V LX $1,170
5 Jeep Compass $1,183
6 Subaru Outback 2.5l $1,187
7 Jeep Cherokee Sport $1,188
8 Buick Encore (tie) $1,190
8 Jeep Patriot Sport (tie) $1,190
10 Subaru Forester 2.5l $1,196
11 Ford Escape SE $1,203
12 Mazda CX-3 $1,204
13 Honda Pilot LX $1,205
14 Fiat 500X Pop $1,210
15 Nissan Frontier S $1,216

Insurance costs for all 15 vehicles came in below the national annual average of $1,605.

This list of the least expensive cars to insure is made up primarily of family vehicles, not luxury and sports cars. The study found those are the most expensive to insure.

Other factors that impact auto insurance rates

Aside from the vehicle you drive, your personal insurance rate will vary depending on many factors, including the following:

1. Location
2. Gender
3. Age
4. How much you drive
5. Years of experience
6. Marital status
7. Driving history
8. Coverage limits
9. Credit history

The more you shop, the more you save

To make sure you’re getting the best coverage for the best price, shop around as often as every six months!

A lot of people wait until the end of their policy period to compare rates, but there’s no reason to wait until then — especially if you think you’re paying too much.

If you switch during the middle of a policy term, you can just request a refund from the insurer you’re leaving.

“It’s a great idea for you to shop around for your auto insurance. The more you shop, truly, the more you save. Based on each individual situation, different insurers are going to treat you differently,” Clark said.

Before calling the insurance companies to do this comparison, have your current policy, driver’s license and your vehicle’s VIN handy to speed up the process.

Start with Clark’s list of the best and worst car insurance companies.