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Best Cars for Low Insurance Costs and Affordability

April 7, 2011

If you're looking for a car that's safe yet affordable, pay attention to this list.

USAA, an insurance and financial company, has created a list of Best Values in 16 vehicle segments.

USAA focuses on affordability, lifetime costs, depreciation and safety.

Top choices include the 2011 Dodge Charger, Hyundai Sonata and Chevrolet Cruze and Traverse.

Vehicles on USAA's list must also receive the top two scores in the Insurance Institute for Highway Safety crash-test ratings, which means a Good or Acceptable rating.

While USAA's methodology is rational, it's important to consider that — as an insurer and financial firm — the company is motivated to suggest vehicles that will keep insurance or financial losses at a minimum.

Below are the insurer's top choices.

Large sedanDodge Charger
Midsize sedanHyundai Sonata
Small sedanChevrolet Cruze
Large luxury sedanHyundai Genesis
Midsize luxury sedanAudi A4
Large SUVChevrolet Traverse
Midsize SUVToyota FJ Cruiser
Small SUVKia Sportage
Large Luxury SUVAudi Q7
Midsize luxury SUVLexus RX 450h
Large pickupChevrolet Silverado 1500 Hybrid
Small pickupSuzuki Equator
SportsFord Mustang
CoupeScion tC
WagonScion xB
MinivanKia Sedona


My Recommendation for Car Shoppers

TrueCar, Edmunds, and 1-800 Car Show are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you - and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.
- Gregg Fidan

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Gregg Fidan

About: Gregg Fidan


Gregg Fidan + is the founder of RealCarTips. After being ripped off on his first car purchase, he devoted several years to figuring out the best ways to avoid scams and negotiate the best car deals. He has written hundreds of articles on the subject of car buying and taught thousands of car shoppers how to get the best deals.

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