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Least Expensive Cars to Insure

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Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency...

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UPDATED: Mar 13, 2020

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smart fortwo

We’ve looked at the most expensive cars to insure, so it’d only be natural to look at the “least expensive cars to insure” as well.

As expected, most cars that made this list are cheap to buy or lease, and come from the smaller car manufacturers, such as Kia, Saturn, and Hyundai; some Minivans also made the list.

Once again, the data comes from Forbes, and is based on an annual auto insurance policy for a 40-year old male driver with policy limits of $100,000 for bodily injury for one person, $300,000 for total injuries, and $50,000 for property damage (auto insurance liability limits).

This supposed driver commutes an average of 12 miles per day to work, has a $500 deductible for collision and comprehensive coverage, and has elected to purchase uninsured motorist coverage.

As noted in the article for expensive auto insurance premiums, the numbers shouldn’t be taken at face value, as a number of other factors will determine your actual premium, depending upon things like your age, driving record, and more (how car insurance rates are determined).

That said, here’s the list of the cheapest cars to insure:

1.    Hyundai Santa Fe – $832
2.    Kia Sportage – $840
3.    Hyundai Entourage – $848
4.    Kia Sedona – $857
5.    Kia Rio5 – $870
6.    Honda Odyssey – $871
7.    Smart fortwo – $881
8.    Saturn Vue – $911
9.    Mazda Tribute – $913
10.    Chrysler Town & Country – $915

(photo: drewgstephens)

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