Cheapest Cars for Insurance: Top Picks and Frequently Asked Questions

When it comes to purchasing a car, considering the cost of insurance is just as important as the sticker price. Insurance rates vary widely depending on the make and model of the vehicle, which can leave car shoppers feeling overwhelmed with choices. To help make the decision easier, we’ve compiled a list of the cheapest cars for insurance in 2021.

Top 5 Cheapest Cars for Insurance

Make and Model	Average Annual Cost of Insurance
Subaru Outback	$1,392
Jeep Wrangler	$1,416
Fiat 500X	$1,423
Honda CR-V	$1,439
Subaru Forester	$1,465

These cars are chosen based on their low average annual cost of insurance according to a study by Insure.com. However, keep in mind that these rates are just averages and may vary based on factors such as location, age, and driving record.

Subaru Outback

The Subaru Outback is a popular choice among car shoppers due to its affordability, fuel efficiency, and all-wheel drive. According to Insure.com, it also ranks as the cheapest car for insurance in 2021. This mid-size SUV boasts numerous safety features such as a rearview camera, blind-spot monitoring, and forward-collision warning, making it a top pick for families.

The Outback’s low insurance rates can be attributed to its high safety ratings and low theft rates. In addition, its repair costs are relatively low compared to other SUVs in its class.

Overall, the Subaru Outback is a great choice for those looking for a reliable car with low insurance rates.

Jeep Wrangler

The Jeep Wrangler is another car with low insurance rates due to its low theft rates and excellent safety ratings. Its rugged and durable design make it a popular choice for off-roading enthusiasts, but also a practical choice for everyday use. The Wrangler’s affordability and low insurance rates make it an attractive option for budget-conscious shoppers.

Additionally, the Wrangler’s parts and repair costs are relatively low, which can further reduce insurance rates.

If you’re looking for a car that can take you off the beaten path without breaking the bank, the Jeep Wrangler is an excellent choice.

Fiat 500X

The Fiat 500X is a subcompact SUV that has gained popularity for its stylish design and affordable pricing. Its low insurance rates can be attributed to its low theft rates and above-average safety ratings.

While the Fiat 500X isn’t as spacious as some of its SUV counterparts, it makes up for it with its nimble handling and fuel efficiency.

If you’re in the market for a stylish and affordable car with low insurance rates, the Fiat 500X is a solid choice.

Honda CR-V

The Honda CR-V is a popular choice among families due to its spacious interior, high safety ratings, and excellent fuel efficiency. Its low insurance rates can be attributed to its low theft rates and advanced safety features such as blind-spot monitoring and lane departure warning.

The CR-V’s parts and repair costs are relatively low compared to other SUVs in its class, which can help reduce insurance rates even further.

If you’re in the market for a reliable family car with low insurance rates, the Honda CR-V is a top contender.

Subaru Forester

The Subaru Forester is another SUV that ranks among the cheapest cars for insurance in 2021. Its all-wheel drive, spacious interior, and excellent safety ratings make it a popular choice among families.

Like the other cars on this list, the Forester boasts low theft rates and advanced safety features such as adaptive cruise control and lane departure warning. Its parts and repair costs are also relatively low compared to other SUVs in its class.

If you’re looking for a family-friendly SUV with low insurance rates, the Subaru Forester is definitely worth considering.

Frequently Asked Questions

What factors affect car insurance rates?

Car insurance rates can be influenced by numerous factors including:

• Age and gender
• Driving record
• Location
• Type of car
• Credit history

Each insurer has their own methods for calculating insurance rates, so it’s important to shop around and compare rates from multiple companies.

How can I reduce my car insurance rates?

There are several ways to reduce your car insurance rates including:

• Choosing a car with low insurance rates
• Increasing your deductible
• Bundling your auto and home insurance
• Driving safely and maintaining a clean driving record
• Improving your credit score

Be sure to consult with your insurance provider to see what options are available to you.

How often should I review my car insurance policy?

It’s a good idea to review your car insurance policy annually to ensure that you’re still getting the coverage you need at a reasonable price. Changes in your driving habits, location, or vehicle can all affect your insurance rates, so it’s important to keep your insurance provider up-to-date.

What should I do if my car insurance rates are too high?

If you’re struggling with high car insurance rates, there are several steps you can take including:

• Shopping around for a better rate
• Adjusting your coverage options
• Improving your credit score
• Taking advantage of discounts

Be sure to speak with your insurance provider to see what options are available to you.

Are there any downsides to choosing a car with low insurance rates?

While choosing a car with low insurance rates can certainly save you money, there are some potential downsides to consider. Cars with low insurance rates may have higher repair costs or may not have the safety features found in more expensive vehicles. Additionally, some insurers may charge higher rates for certain cars due to their reputation for being involved in accidents.

Ultimately, it’s important to consider all factors when choosing a car that’s right for you, including the cost of insurance.

With these top picks for the cheapest cars for insurance in 2021, car shoppers can feel confident in their decision to purchase a car that won’t break the bank. Remember to shop around and compare rates from multiple companies to ensure that you’re getting the best deal possible.