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Top 10 Cheapest Cars to Insure Right Now

October 6, 2011

When figuring out the overall cost of owning a vehicle, the initial price is just one piece of a big puzzle.

Of course, things like fuel economy come into play. But one all-too-often forgotten factor is the cost of car insurance.

There are many things that impact your cost of insurance, including your age, driving history and where you live.

There's not much you can do about your age and existing history, and few people are ready to just up and move in order to save on insurance premiums.

But by choosing one car versus another, you could save hundreds of dollars annually.

That could make as much or more difference that getting that extra 2, 3 or 5 miles per gallon.

CarsDirect recently put together a list of the "Top 10 Cheapest Cars to Insure."

While this particular list applies specifically to a 40-year-old male with good credit and driving record, most people will still likely find these to be among the most affordable vehicles to own when it comes to dealing with insurance.

For those with a poor driving history, the difference between vehicles can become even more dramatic.

It's well worth the time to compare rates before making a final decision on which car to buy.

Compare Lowest Insurance Rates in Your State

Model Annual Premium Base Price
1. 2011 Chrysler Town & Country $1,091.80 $30,260
2. 2011 Toyota Sienna (base) $1,100.66 $25,060
3. 2011 Toyota Sienna LE $1,107.70 $26,145
4. 2011 Honda Odyssey LX $1,114.62 $28,075
5. 2011 Nissan Murano SL $1,127.89 $36,400
6. 2011 Jeep Wrangler Unlimited Sport $1,131.27 $25,545
7. 2011 Honda Odyssey EX $1,138.16 $31,225
8. 2011 Toyota Sienna V6 $1,142.94 $26,300
9. 2011 Ford Escape XLS $1,150.26 $21,240
10. 2011 Toyota Highlander $1,154.02 $28,900

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.

California Residents - Important:

There is a new online car buying service called Roadster, available only to California residents, which I highly recommend you try - especially if you hate the stress of haggling with a car salesman. They provide an expert concierge who negotiates the price of the car and delivers it to your home with zero hassle - you never have to interact with a dealership. Here is my in-depth review of Roadster and why I recommend it.

- 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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