Multiple factors go into the rating of a vehicle. There’s no specific year, make, and model that we can specifically say is the cheapest to insure. But generally speaking, a slightly older vehicle that no longer needs to carry comprehensive or collision coverage will have a much lower premium since less coverage is required. And overall, driving experience and a safe driving history will result in a lower insurance rate.
While a newer or higher-end vehicle may have more safety features and result in a lower premium for medical payments, it may have a higher premium regarding physical damage due to the cost of parts and labor. A good example is the Hummer. The Hummer’s passengers are generally very safe when riding in the vehicle, which may result in a low medical or personal injury protection (PIP) premium. But when a very large vehicle like the Hummer hits a standard-sized car, the other car’s occupants are more likely to sustain a higher level of injury, so the cost of bodily injury on a policy may be higher.