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
July 2025
- Best 0% Finance Deals July 2025 Jul 03, 2025
- Best Bang for Your Buck Lease Deals Jul 03, 2025
- Best Electric, Hybrid Lease Deals Jul 03, 2025
- Best Car Deals for 4th of July 2025 Jul 03, 2025
June 2025
- Best Car Deals Around the Country Jun 26, 2025
- Real Prices of Compact Cars Jun 26, 2025
- Cheapest Luxury Lease Deals Jun 26, 2025
- Largest Hidden Dealer Rebates Jun 26, 2025
- Top 100 Cheapest Lease Deals Jun 19, 2025
- All SUV Lease Deals Compared June 2025 Jun 19, 2025
- Cars With the Largest Rebates Jun 19, 2025
- Price Comparison of Subcompact SUVs Jun 19, 2025
- Top 100 Cheapest New Cars Right Now Jun 12, 2025
- Real Prices of New Compact SUVs Jun 12, 2025
- Biggest Discounts on New Cars June 2025 Jun 05, 2025
- New Cars with the Most Available Inventory Jun 05, 2025
- Real Prices of Midsize SUVs Jun 05, 2025