What are the top 10 cheapest cars to insure?

What are the cheapest cars to insure? How about a Honda Civic, Ford Fusion or any of the compact cars around? You may be surprised to learn that most of the cheapest cars to insure are SUV’s and Minivans due to their safety record and loss claims history.

While many cars have affordable car insurance rates the cost of car insurance doesn’t always go hand in hand with the price of a vehicle.

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Car insurance rates are based on a number of factors and while everybody has a different risk profile there is a lot of important data car insurance companies publish to help you understand the cost of car insurance before purchasing a vehicle. Some of this data is extremely helpful especially when it comes to the annual list of the cheapest cars to insure.

Car insurance is a large part of your financial obligation and with so many choices of vehicles to choose from it’s possible to save a bundle by comparing car insurance quotes on similar make vehicles.

The Top 10 Cheapest Cars to Insure in the USA for 2010 are:

Mazda Tribute i 2 Wheel Drive

Choosing a Mazda Tribute i 2 Wheel Drive may not qualify you for the 4×4 race this weekend but you can save money on car insurance with the 2WD model.

Annual car insurance cost for the Mazda Tribute nationwide is $1,070 for most good drivers and residents in many states can often pay less.

Honda Odyssey LX

Billed as one of the “Top 10 Family Cars” by Kelly Blue Book the Honda Odyssey has a wealth of safety features to make this vehicle one of the most popular choices for minivan owners.

Not only is there a wealth of space for the family but economically priced at a base $28,075 Honda Odyssey owners don’t have to feel the pain of car insurance. Average car insurance rates for the Honda Odyssey LX average less than $100 a month with a $1,095 annual average premium.

Mazda Tribute i 4WD

The 2 wheel drive version was the cheapest car to insure in 2010 however even the 4 wheel drive version of the Mazda Tribute has very attractive car insurance rates compared to many similar 4 wheel drive models.

Drivers pay an average of $1,103 annually for extra luxury of having all your wheels move at the same time.

Chrysler Town & Country LX

A luxury minivan with cheap car insurance? Chrysler’s Town & Country is well known for its luxury features and you don’t have to break out the bling to afford car insurance. Placed #4 on the 2010 list of cheapest cars to insure the Chrysler Town and country LX model cost just under $1,120 a year in car insurance premiums.

Obviously if you drive this minivan as you would a racecar your premiums will be higher but good drivers can save a lot on car insurance by opting for a Chrysler Town & Country LX.

Mazda Tribute S Grand Touring

Another Mazda Tribute on the list of cheapest cars to insure? You bet. The Mazda Tribute even won Insure.com’s “Low Cost Car Insurance Award” in 2010 as the cheapest SUV to insure.

The Grand Touring Edition has many features including a 6 cylinder engine which will make many re-consider why they call the Tribute a small SUV. Proud owners can also afford the rising cost in fuel prices with cheap car insurance rates averaging $1,130 annually.

Dodge Grand Caravan SE

A couple models of the Dodge Caravan make the top 20 list of cheapest cars to insure but in the top 10 only stands the Dodge Grand Caravan SE.

With plenty of space, a V6 engine and billed as the “Lowest priced Mini-Van in America” (before the car dealer fees, windshield dice and the cost of your soul for caving into a minivan) owners benefit from very cheap car insurance averaging just $1,131 for a full coverage car insurance policy for most good drivers.

Toyota Sienna CE

And #7 on the list of the cheapest cars to insure in America is … another minivan. The Toyota Sienna CE is around $1,133 to insure and priced just over $25,000 however the Sienna has a cool factor well beyond most minivans with the Swagger Family advertisements.

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Hyundai Tucson GLS

The Hyundai Tucson is a midsize SUV with a base price of $18,895 and one of the most appealing SUV’s in terms of style. In fact, Hyundai Tucson owners will have a difficult time gaining membership to the traditional minivan stereotype club and will be hard pressed to find any kids who don’t think their mom’s car is cool.

Owners can also pleasantly smile when their car insurance bill arrives with average car insurance rates for the Hyundai Tucson GLS averaging $1,134 annually for coverage including liability, comprehensive and collision coverage.

Kia Sportage LX

Kia is no stranger to Top Safety Pick Awards but with the Kia Sportage LX owners benefit from owning a vehicle who has won a Top Safety Pick Award and some of the cheapest car insurance quotes for a crossover vehicle.

Good drivers average around $95 a month for full coverage car insurance allowing you to save some money funds for a big car one day.

Honda Odyssey EX

And to round out the list of cheapest cars to insure would you guess a compact car or minivan? Well, if you came this far your money should be on another minivan and the 5-Door Honda Odyssey EX averages $96 a month to insure with a full coverage car insurance policy for most good drivers.

Granted you still are getting a minivan that looks like a minivan but at least you save some bling.

Why are your car insurance rates different?

Just like the average American household has 2.2 children you have to understand that averages for anything are based on data from all drivers and should only provide a ballpark comparison for prices you pay.

Good drivers can often find themselves with car insurance very close to these national averages but it depends on where you live. States like Michigan and Louisiana have much higher rates no matter what car you drive while residents of Ohio and Maine can pay up to 60% or more less.

You also have to consider your driving record, how much car insurance you need, how the vehicle will be used and more. Get started and compare car insurance online to find the cheapest car insurance quotes for your unique needs.

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