The first thing an insurance company looks at when offering you a quote is your driving history. Have a spotless one, and you’ll definitely get a better rate than a guy who has a glovebox full of tickets.
The insurance companies also considers the sort of car you drive, including its sticker price, the cost to repair the vehicle, replacement value, safety features, and how well it will withstand an accident. The lower the cost of claims for a vehicle, the lower the rates, and therefore the easier it is to get insured.
Here is a list of the top ten least expensive vehicles to insure, that have a sticker price of less than $50k, according to the Highway Loss Data Institute (HLDI):
1. Oldsmobile Silhouette
2. Pontiac Montana
3. Saturn L Series Wagon
4. Chrysler PT Cruiser
5. Saturn L Series Sedan
6. Chevrolet Venture
7. Chevrolet Astro
8. Saturn Vue
9. Jeep Wrangler
10. Oldsmobile Bravada
The HLDI also lists vehicles that are the least expensive based theft, injury and collision claims. The least expensive theft claim models are:
1. Buick LeSabre
2. Mercury Grand Marquis
3. Buick Century and Saab 9-5 four-door (tie)
4. Buick Park Avenue and Pontiac Montana (tie)
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