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