The 20 Cheapest Cars to Insure
Some motorists consider cars expensive due to the cost of buying them and the fuel costs. Another cost that some may overlook is the continual rise in annual car insurance premiums. According to Bank Rate, car insurance rates have been increasing by 4% annually. With the continual rise in premiums, choosing a cheap car to insure becomes necessary. The car has low repair costs, good safety features, and few historical claims. Having understood why you need cheap cars to insure, we need to identify them and their annual premium costs. Here are the 20 cheapest cars to insure in 2022.
20. 2022 Ford Explorer ($1,920)
This model contains various smart safety features. One of the safety features is the Intelligent Adaptive Cruise Control, powered by the Ford Co-Pilot360 platform. Other crash-mitigation functions the car has are Blind Spot Information System and Automatic Emergency Braking. Additionally, the car has driving-assistance technologies like the Active Park Assist 2.0 and Reverse Sensing System. The car has very comfortable seats. They are equipped with Active Motion technology to reduce stress on the upper and lower back. Moreover, they have a multi-contour design, which soothes the body.
19. 2021 Subaru Ascent ($1,863)
Consider this model if you are looking for a car with a high towing capacity. If you go with the Ascent’s base model, you will enjoy a towing capacity of 2,000 pounds. On the other hand, the Limited trim has a maximum towing capacity of 5,000 pounds. The car’s symmetrical all-wheel drive system makes it ideal for tough conditions. In regular conditions, the system sends power to all four wheels. As you move to rough roads, the system adjusts the power accordingly. Also, the car has X mode, which you can engage in steep descents or climb hills.
18. 2022 Toyota Sienna ($1,598)
Here is a model to consider if you desire great outward visibility. One reason for the clear visibility is its large windows. The windows enable you to see a clear view of the sides and rear of the vehicle. As a result, you can easily back out of a parking space or change lanes. Furthermore, the driver’s seat is high, enabling you to see the road ahead. Once you drive this car, you will appreciate its smooth ride over bumpy surfaces. It offers smooth rides thanks to its suspension. For enhanced smooth rides, you can get 17-inch or 18-inch wheel options.
17. 2018 Audi TT ($1,584)
The Audi TT’s engine delivers a somewhat guttural but muscular sound. If you do not like its sound, you can customize it further. When you switch to “sport” mode, the exhaust emits a deep groan that sounds synthetic. Other drivers resent the sound of an engine, and luckily, they can reduce the sound. When you switch to “comfort” mode, the engine emits a little noise. You can purchase the TT RS trim if you want a faster version of this model. It boasts a 400-horsepower turbocharged inline-5 engine under its hood. It accelerates from 0-60 mph within 3.7 seconds.
16. 2018 Chevrolet Corvette Stingray ($1,562)
The engine that powers this model is a V8 engine. It delivers 455 horsepower and 460 pound-feet of torque. Due to its awe-inspiring power, the car has one of the fastest accelerations ever. It accelerates from 0-60 mph in 3.7 seconds. This car is packed with useful standard equipment. For great sound quality, the car has the Bose audio system. If you need to park in tight spots, you can use the car’s backup camera.
15. 2020 Honda Odyssey ($1,548)
This car’s brakes are responsive and easy to modulate. When making a panic brake, it builds up pressure at a reasonable rate. As a result, it can come to a panic stop from 60 mph in just 123 feet. Another admirable feature of the car is its 10-speed automatic transmission. It shifts gears easily without interruptions.
14. 2022 Jeep Renegade ($1,518)
This car has one of the best climate control systems. Whether you set a high or cool temperature, the system is very responsive. Plus, the system maintains the set temperature throughout the journey. If you want to be cooler, you can opt for models with heated seats and a heated steering wheel. Another notable feature of this car is its ease of entry and exiting. The ease is all thanks to its wide door openings. Its doors are high enough, so you will not need to duck to enter the car. Also, the car’s boxy shape facilitates the ease of entry and exiting since it is not cramped.
13. 2022 Toyota Corolla ($1,473)
This car offers one of the best fuel economy estimates. The excellent estimates have to do with the pairing of the standard 1.8-liter engine and a continuously variable transmission (CVT). This pair achieves estimates of 30 mpg city and 38 mpg highway. Still, you can pair the optional 2.0-liter engine with CVT. You should expect estimates of 32 mpg city and 41 mpg highway. Another selling point of this car is its safety. According to US News, NHTSA gave it an overall safety rating of 5/5.
12. 2022 Volkswagen Jetta ($1,438)
This car runs with a turbo 4-cylinder engine. It cranks out 158 horsepower. It may not deliver fast accelerations but provides more torque at lower speeds. That makes the car pleasurable to drive around town. The engine delivers good mileage based on the transmission connected to it. Under an automatic transmission, the fuel economy ratings are 31 mpg city and 44 mpg highway. As for the manual transmission, the ratings are 29 mpg city and 43 mpg highway.
11. 2016 Subaru Impreza ($1,421)
This model’s sedan and hatchback versions use a 148-horsepower, 2.0-liter 4-cylinder engine. It is connected to a 5-speed manual transmission, which provides high fuel efficiency. The sedan has ratings of 25 mpg city/34 mpg highway, while the hatchback one is 24 mpg city/33 mpg highway. Also, the sedan and hatchback versions have great handling. For the former, its impressive handling is due to its 17-inch wheels and electric-assist power steering. As for the hatchback’s handling, it is due to the suspension system that keeps it from rolling.
10. 2021 Hyundai Elantra ($1,396)
If you want better fuel economy from this model, it would be best to get its hybrid version. The version combines a 1.6-liter 4-cylinder with an electric motor, which all produce 139 horsepower. Its combined city/highway mileage is 50 mpg. It is standard for most cars to have Android Auto and Apple CarPlay. This car does something different with these features by offering its wireless versions. Therefore, you do not need to carry a cord which otherwise makes the cabin cluttered.
9. 2016 Ford Focus ($1,388)
You can opt for the sedan and hatchback versions of this model. Both versions offer the highest safety rates. The National Highway Traffic Safety Administration (NHTSA) gave it an overall rating of 5/5. Additionally, the Insurance Institute for Highway Safety (IIHS) rated the car “Good” for crash tests on the roof, side, and overlap front. This car has an upscale cabin. The dashboard design is aesthetically pleasing, and the materials have a quality look and feel. All the controls are easy to use, including its Sync 3 touchscreen.
8. 2020 Nissan Sentra ($1,361)
This car is equipped with zero gravity front seats. These seats have at least ten different pressure points in strategic locations. When you sit on the seats, you will enjoy continuous support. Additionally, the seats help reduce the overall load the body has to carry. Therefore, you can travel long distances without experiencing much fatigue. The car has great mileage thanks to its 2.0-liter engine. It generates 149 horsepower, which is rather low for quick accelerations. However, the slow acceleration is why the car has great mileage. It has fuel economy ratings of 20 mpg city and 39 mpg highway.
7. 2022 Honda CR-V ($1,336)
If you need a car with generous cargo space, look no further than this one. Without folding the rear seats, 39.2 cubic feet of space is available. After folding them, you get 75.8 cubic feet of space. The space is enough to load plenty of golf equipment. The car is equipped with one available engine, but it is incredibly powerful. It uses a turbocharged inline 4-cylinder engine that makes the car accelerate from 0-60 mph within 8.2 seconds. For a mid-size SUV, the acceleration is exceptional.
6. 2022 Subaru Forester ($1,320)
The car features the DriverFocus Distraction Mitigation System that helps to reduce distracted driving. According to Laser Tech, more than 1,000 drivers sustain injuries in crashes due to distracted driving. To keep you from crashing, the feature acts like an attentive co-pilot. If it senses you are drowsy, it will alert you. This car is stable thanks to its standard symmetrical all-wheel drive system. The system lies along the car’s centerline, providing a balanced weight distribution.
5. 2020 Fiat 500X ($1,312)
If you are a music enthusiast, you will appreciate this car’s premium sound system, BEATSAUDIO. The system delivers crystal-clear audio sound with plenty of volume. Another advantage of the system is its 9-channel, 506-watt amp. This system has nine speakers and a subwoofer, which means everyone will enjoy the same music quality. The car has great handling and steering thanks to its unique all-wheel drive system. When the car requires better traction, the system engages automatically. As a result, the car handles well on slippery paths. As for the steering, it is accurate and has a tight turning radius.
4. 2017 Mazda MX-5 Miata ($1,284)
The car’s automatic transmission system is smooth, but true driving enthusiasts will appreciate its manual transmission gearbox. This gearbox has a light clutch, which reduces fatigue in heavy traffic. Also, the manual transmission gives you an additional measure of control. This car is fun to drive on public roads. However, this car shines on curvy back roads. The car’s great handling is due to its performance tires and sports-tuned Bilstein shock absorbers. For optimum handling, consider getting the Club trim.
3. 2022 Subaru Outback AWD ($1,248)
This model is the best one for drivers who prefer an outdoor lifestyle. You can confidently tackle most trails thanks to its AWD system and 8.7 inches of ground clearance. If the conditions become rougher, you can switch to X mode for enhanced stability. Next, the car has an advanced infotainment system called Starlink. It contains dual 7.0-inch touchscreens. Furthermore, you can connect your smartphone with Apple CarPlay or Android Auto.
2. 2016 Volkswagen Passat ($1,032)
This car allows you to do so much, thanks to the smartphone connectivity the car offers. The car has built-in USB charging ports and allows you to use a feature called the Car-Net system. When you connect your smartphone to the system, you can call road assistance, check if the car is locked, and find a parked car. This car has two engine options: the standard turbocharged 4-cylinder and the 3.6-liter V6 engine. The former produces 170 horsepower, while the latter produces 280 horsepower.
1. 2021 Kia Telluride ($863)
It is common for three-row SUVs to lack sufficient space behind the back row of seats. That cannot be said of this model, which has 21 cubic feet of storage room in the back. Its space is ideal for people constantly on the move and carrying a lot of gear. You can get 46 cubic feet of space by folding the third row. Still, you can fold the second and third rows to get 87 cubic feet of space. There is also plenty of room for passengers. In the front row, there are 41.4 inches of legroom. The second row is roomier, with 42.4 inches of legroom. If you have short kids, they could sit in the third row since it only has 31.4 inches of legroom.