When shopping for a new vehicle, most people focus on the purchase price, fuel economy, and features. However, one important cost that is often overlooked is auto insurance. The type of car you drive can have a significant impact on your insurance premium.

So, what kind of car is usually the cheapest to insure?

Cars That Cost Less to Insure

In general, insurance companies tend to offer lower rates for:

1. Small and Midsize SUVs

Many compact and midsize SUVs are among the least expensive vehicles to insure. These vehicles often have strong safety ratings, lower theft rates, and fewer costly claims.

Popular examples include:

Honda CR-V
Subaru Forester
Toyota RAV4
Hyundai Tucson

2. Family Sedans

Reliable sedans with excellent safety features typically qualify for lower insurance premiums.

Examples include:

Honda Accord
Toyota Camry
Subaru Legacy
Hyundai Elantra

3. Vehicles with Advanced Safety Features

Cars equipped with features such as automatic emergency braking, lane departure warnings, blind-spot monitoring, and adaptive cruise control may qualify for lower insurance rates because they help reduce the likelihood of accidents.

Cars That Usually Cost More to Insure

Some vehicles tend to have higher insurance premiums, including:

Sports cars
Luxury vehicles
High-performance models
Vehicles with expensive repair costs
Cars that are frequently stolen

Even if two vehicles have similar purchase prices, their insurance costs can be dramatically different.

What Factors Affect Insurance Rates?

Insurance companies consider many factors when determining your premium, including:

Vehicle safety ratings
Repair and replacement costs
Theft rates
Engine size and horsepower
Driver age and driving history
Location
Coverage limits and deductibles

Because of these variables, the cheapest car to insure for one driver may not be the cheapest for another.

How to Save on Auto Insurance

Before purchasing a vehicle, request insurance quotes for several models you're considering. Comparing rates ahead of time can help you avoid unexpected costs and choose a vehicle that fits both your budget and your lifestyle.

You may also save money by:

Bundling your home and auto insurance
Maintaining a clean driving record
Increasing your deductible
Taking advantage of available discounts

Let William Penn Insurance Help

If you're shopping for a vehicle and want to know how it will affect your insurance costs, William Penn Insurance can help. Our team compares rates from multiple insurance carriers to find coverage that fits your needs and budget.

Contact William Penn Insurance today for a free auto insurance quote and discover how much you could save.

Who needs to be on my car insurance as a driver

Everyone who drives the car should be on your car insurance policy as a driver, as well as everyone that drives your car regularly should be on your car insurance as a driver.

Everyone that lives in your household should be listed on the car insurance policy as a driver or as an excluded driver(meaning a non driver). All household members have to be listed if they are over the age of 16 because they have access to the vehicle to use as transportation, even if they are not licensed they are of age and physically could operate the vehicle so they have to be listed as a non driver on the insurance policy until their driving status changes to an actual operator. You list them as excluded on the car insurance if they do not drive the car at all, or do not have a license which means that they have no coverage if they actually would drive your car and cause an accident.

Here is an excerpt from a carrier describing who should be listed on the car insurance policy;

“You must list yourself, your spouse and any person who drives any vehicle on this policy regardless of whether that person lives with you. Please include any relative who resides in your home, is of legal driving age or has a permit even if he or she doesn't drive any vehicles. Also, please include any child who lives away from home and drives a vehicle on this policy, even if only occasionally.”

Why must everyone that drives must be listed, not just the owner of the car?

Insurance pricing is based on your risk profile. The likelihood of you having a claim. As your likelihood increases or decreases then your insurance can increase or decrease.

If a driver you know is driving will severely impact the rate; young driver or driver with prior accidents and tickets. And materially withholding that information can result in legal action by the insurance carrier.

It is better to protect yourself and A. not let anyone drive your car or B. Add all drivers to your policy. That way you have a clear conscience on making sure your car is properly protected in any circumstance.

What Kind of Car Is The Cheapest on Insurance?