Compare the Cheapest Cars to Insure

August 07, 2014

Of all the 2014 vehicles you share the open road with each day, which cars do you think are the cheapest to insure? Is it something big and rugged with stellar crash test data? Or a subcompact with parts that are easy to replace? Or perhaps a family-friendly vehicle designed more for carpooling than off-roading?

Before you answer that question, know that the vehicle being insured is just one factor used to determine an auto insurance rate. Your driving record, credit history, where you live, the company you’re seeking car insurance rates through and available discounts are just a few additional factors. We won’t make you guess at which 2014 cars have the most affordable car insurance rates; check out and compare the winning cars that are the cheapest to insure below.

What is the Cheapest Car to Insure?

2014-jeep-wranglerThe big winner is Jeep, which boasts seven of the top 20 2014 cars that are the cheapest to insure . This includes taking home the No. 1 spot as the 2014 Jeep Wrangler Sport comes with an average insurance cost of $1,080. That equates to a monthly premium of $90.

It’s easy to imagine that the Jeep Wrangler Sport demands a much higher monthly premium. After all, when you think of this car, you likely conjure images of action-packed off-roading and other freewheeling adventures. The truth is that Jeep Wrangler Sport drivers have much tamer driving behaviors than the manufacturer’s marketing might suggest. Additionally, because if its unique body composition, it’s a fairly cheap car to repair.

Other Cheap Cars to Insure

Rounding out the top five are the Honda Odyssey LX ($1,103), The Jeep Patriot Sport ($1,104), the Honda CR-V LX ($1,115) and the Jeep Compass Sport ($1,140). The cheapest mini-van to insure, the Chrysler Town & Country ($1,140), comes in at No. 6 on the list. It’s interesting to note that these average car insurance rates are more than just a function of crash test ratings, safety features, and vehicle production and repair cost – although those factors do all play a role. Sometimes a vehicle may be popular with a specific demographic that exhibits safe driving behavior. For example, a car popular with families whose driving consists of safely navigating their way to school, church and sports practices associates a much lower level of risk with that particular car.

Other factors affecting your car insurance premium

While the average cost to insure a vehicle may factor into your car choice, it shouldn’t be the only consideration. There is a universe of factors and variables that car insurance companies slice and dice to determine rates, from driver age and gender to total miles driven and the ZIP code where the car is parked. The weight these are given is constantly changing, which is a great reason to regularly comparison shop your current police against other auto insurance providers’ offerings. In other words, don’t simply look for the cheapest 2014 car to insurance, or for that matter, the cheapest used car to insurance. Instead, just use this as one of the many pieces of information guiding your car and auto insurance policy search.

Get even lower auto insurance payments

If your rates still aren’t as low as you would like them, don’t get frustrated; you have more control than you might have imagined. Here are a few areas you can explore to lower your auto insurance premiums.

Improve your credit score

The first step to lowering your credit is knowing and tracking your score. Personal credit does play a role in determining car insurance rates, so if you have some dings on your credit record or have no credit whatsoever, consider making this a priority. Consult Wisebread.com for tips and tricks for raising your credit scores.

Complete a driver safety course

Whether a driver safety course drops your points or makes you eligible for an insurer’s discount program – or both – successfully completing these courses is one of the easiest ways to immediately lower your car insurance rate by anywhere from 5 to up to 20 percent, based on a number of factors. Learn more about getting an auto insurance discount with a driver safety course.

Location-based factors

It’s not always easy to do anything about your location, but know that it does impact your car insurance rate. This can be frustrating if you’re living in a high-crime or urban area. Shorter commutes and private parking are two features that can help your rate in this scenario.

Cheap car insurance

If you are already in the best position to get an attractive car insurance rate, but rates are still too high for that new 2014 car you want or need to buy, then you may want to reconsider the year, make and model of your next vehicle. If you’re on a budget, try comparing rates for used cars. One benefit of getting a used car is that you don’t see your car value depreciate by thousands of dollars the moment you drive off the lot. Read how to buy a car on a budget for more thrifty tips. And when you’re ready to crunch the numbers again, compare quotes now at compare.com


Car Comparison Guide

Don’t blindly buy a new car. We have all the research to make sure you find the best value on a vehicle uniquely suited for you. Our Car Comparison Guide will provide answers to all of your car-buying questions.

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