Car insurance premiums can often feel like a burden on your monthly budget. While factors like your driving history, age, and location play significant roles in determining your premium, the type of vehicle you drive can have a surprising impact on your insurance costs. Some cars come with lower insurance premiums due to factors like safety ratings, repair costs, and the likelihood of theft.
If you’re looking to save on your car insurance, choosing the right vehicle can make a huge difference. Here are eight vehicles that are known for helping drivers lower their car insurance premiums.
1. Honda Civic
The Honda Civic has long been a popular choice for drivers who want a reliable, affordable, and safe car. Its reputation for reliability and low repair costs often results in lower insurance premiums. Insurance providers see the Civic as a low-risk vehicle because it’s not likely to be involved in expensive accidents, and its parts are widely available and affordable to replace.
The Civic also boasts impressive safety ratings and is often equipped with features like anti-lock brakes, airbags, and stability control, all of which contribute to safer driving and reduced insurance rates.
2. Toyota Corolla
The Toyota Corolla is another popular vehicle known for its affordable insurance premiums. Like the Honda Civic, the Corolla is a compact and efficient vehicle that offers great reliability and safety features. It’s also one of the most theft-resistant cars on the market, which can help you lower your comprehensive insurance costs.
With its impressive safety ratings and low maintenance costs, the Corolla is frequently recommended for those who want to minimize their insurance premiums while driving a vehicle that is both economical and practical.
3. Subaru Outback
The Subaru Outback offers a combination of ruggedness and reliability, making it an excellent choice for those looking to lower their insurance premiums. Its all-wheel-drive system is especially appealing to drivers in colder climates, making it a practical vehicle for snowy conditions.
Insurance companies often favor the Outback because it has a strong safety record, with features like eyesight driver assist, rear-vision cameras, and automatic emergency braking helping prevent accidents and reduce potential claims.
4. Ford F-150
The Ford F-150, one of America’s best-selling trucks, can also offer lower car insurance premiums. While larger trucks tend to have higher premiums, the F-150 stands out due to its excellent safety features, such as rollover prevention, airbag systems, and advanced crash protection.
Additionally, the F-150’s reputation for durability and low repair costs often translates to lower insurance premiums, especially if you opt for a more basic model without all the high-performance features that could raise your premiums.
5. Volkswagen Jetta
The Volkswagen Jetta is another vehicle known for its low-cost insurance premiums. As a compact car with a reputation for safety and fuel efficiency, the Jetta offers a solid combination of features that make it an affordable option for car insurance.
With a range of standard safety features like adaptive cruise control and automatic emergency braking, the Jetta is a low-risk vehicle for insurers, which often results in lower premiums for drivers.
6. Chevrolet Malibu
The Chevrolet Malibu is a mid-size sedan that often boasts lower insurance premiums due to its affordable repair costs and high safety ratings. With a reputation for reliability and low likelihood of theft, the Malibu is a good choice for those looking to reduce their car insurance costs.
The vehicle is equipped with features like collision warning, lane-departure warning, and blind-spot monitoring, all of which contribute to making it a safer vehicle, thus lowering the likelihood of accidents and reducing your premiums.
7. Hyundai Sonata
The Hyundai Sonata is a sedan that provides great value for money while keeping car insurance premiums low. The Sonata is known for its impressive safety ratings, advanced driver-assistance features, and low repair costs.
With standard safety features like lane-keeping assist, forward collision avoidance, and pedestrian detection, the Sonata is a low-risk vehicle in the eyes of insurers. This can translate into significant savings on your premium while offering you peace of mind on the road.
8. Mazda 3
The Mazda 3 offers both style and substance at a reasonable cost, making it a great option for drivers looking to lower their insurance premiums. The Mazda 3 is known for its fuel efficiency, reliable performance, and excellent safety features.
With standard advanced safety systems like blind-spot monitoring, rear-cross traffic alerts, and automatic emergency braking, the Mazda 3 reduces the likelihood of accidents, helping you save money on your premiums while driving a safe, efficient vehicle.
Choosing the right vehicle can have a significant impact on your car insurance premiums. By selecting cars with strong safety features, low repair costs, and lower theft rates, you can lower the amount you pay for coverage each month. The vehicles listed above are great options for drivers who want to save on their car insurance premiums while still driving a reliable, safe, and efficient vehicle.
Whether you’re looking for a compact car, a family-friendly sedan, or a rugged SUV, these vehicles offer a combination of features that make them not only affordable to insure but also safe and reliable on the road.