Are there specific cars that are cheap to insure?

I'm in the market for a new car. My last car cost a LOT to insure, which was really annoying. What are some cars that would not be super expensive to insure?

Answer provided by
Shannon Martin
Answered on Mar 12, 2021
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.
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