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Best Cars for Low Insurance Costs and Affordability

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






3 Steps Every Car Buyer Needs to Take to Save Maximum Money

The key to getting the best deal is to gather price or lease bids from as many local dealers as possible. Then shop that best price around until no one can beat it. Here are the steps:

Step 1 Get Prices From My Trusted Network

Select the vehicle you're interested in to see if there are local dealers in my network who will provide you with their best upfront price. You will get direct access to an internet sales manager who you can further negotiate with online (no need to visit dealership).
Select Vehicle to Get Local Pricing

Step 2 Get Prices From TrueCar / CarsDirect

TrueCar, and CarsDirect are my top 2 online price quote recommendations. These services show you pre-negotiated prices from dealers closest to you - and the deals are usually pretty decent. But remember, you can still negotiate further.

Step 3 Complete my Checklist

Follow this up with my checklist to make sure you squeeze out every last bit of savings.
- Gregg Fidan

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About The Author

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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