Best Cars for Low Insurance Costs and Affordability
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 sedan | Dodge Charger | ![]() |
Midsize sedan | Hyundai Sonata | ![]() |
Small sedan | Chevrolet Cruze | ![]() |
Large luxury sedan | Hyundai Genesis | ![]() |
Midsize luxury sedan | Audi A4 | ![]() |
Large SUV | Chevrolet Traverse | ![]() |
Midsize SUV | Toyota FJ Cruiser | ![]() |
Small SUV | Kia Sportage | ![]() |
Large Luxury SUV | Audi Q7 | ![]() |
Midsize luxury SUV | Lexus RX 450h | ![]() |
Large pickup | Chevrolet Silverado 1500 Hybrid | ![]() |
Small pickup | Suzuki Equator | ![]() |
Sports | Ford Mustang | ![]() |
Coupe | Scion tC | ![]() |
Wagon | Scion xB | ![]() |
Minivan | Kia Sedona | ![]() |

Each week, I'll keep you up-to-date on the latest car deals and news that might affect your purchase. This includes...
- Best Rebates, Incentives, and Lease Deals
- Latest Car Buying Scams and Tricks
- The Best & Worst Time to Buy a Car
- Which Cars You Should Avoid
About The Author

Latest Weekly Car Buying Tips
May 2025
- Top 100 Cheapest Lease Deals May 15, 2025
- Biggest Discounts on New Cars May 2025 May 15, 2025
- Cars With the Largest Rebates May 15, 2025
- Real Prices of Midsize Cars May 15, 2025
- Best 0% Finance Deals May 2025 May 08, 2025
- Best Bang for Your Buck Lease Deals May 08, 2025
- Best Electric, Hybrid Lease Deals May 08, 2025
- Price Comparison of Subcompact SUVs May 08, 2025
- New Cars with the Most Available Inventory May 01, 2025
- Real Prices of Compact Cars May 01, 2025
- Which Cars Better to Lease or Buy May 01, 2025
- Cheapest Luxury Lease Deals May 01, 2025
April 2025
- All SUV Lease Deals Compared April 2025 Apr 24, 2025
- Best Car Deals Around the Country Apr 24, 2025
- Real Prices of New Compact SUVs Apr 24, 2025
- Largest Hidden Dealer Rebates Apr 24, 2025
- Real Prices of Midsize SUVs Apr 17, 2025
- Real Prices of Large SUVs Apr 10, 2025
- Best Car Deals by Category Apr 03, 2025
- Worst Cars to Lease Right Now Apr 03, 2025
- Top 100 Cheapest New Cars Right Now Apr 03, 2025
- Real Prices of Pickup Trucks Apr 03, 2025