Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 7, 2020

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Key takeaways...

  • Three cars with low car insurance rates are the Chrysler Town and Country, Saturn, and Chevrolet Venture Wagon
  • Driving a certain car is one thing but if you are not in the market for a new car there are other things that you can focus on to lower your rates
  • A quick way to get lower rates on your car insurance, no matter what type of vehicle you drive, is to shop around

Three cars that have lower insurance rates than the average are the Chrysler Town and Country, Saturn, and Chevrolet Venture Wagon.

There are many factors that go into car insurance rates, and the type of car is just one of them. There are a number of reasons why these three cars cost less to insure than many others.

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It is imperative to carry car insurance for pretty much every driver, so it’s not something that you can avoid. There are things that you can do, however, to lower the rate that you pay.

Driving a certain car is one thing but if you are not in the market for a new car there are other things that you can focus on to lower your rates.

Table of Contents

Family Cars

Cars that are meant for families tend to have lower rates than those for single drivers. In general, these types of vehicles are minivans, midsize SUVs, and large sedans.

When you have precious cargo on board you usually will drive better, which means not speeding or driving recklessly. Insurance providers acknowledge this and charge you less for your premium.

The vehicles for families are also usually made to be safer and are therefore cheaper to insure.

Insurance companies take into account the number and types of safety features on a car. The more features there are, the cheaper your rate will be. You can find a list of the top safety-focused cars through the Safer Car website.

These vehicles will have received the highest safety rating possible, which is five stars. Airbags are just one factor in regards to safety.

Also taken into account are how the vehicle handles in -than-stellar weather, how much traction control it has, anti-lock brakes, and motion stability.

Cars used by families also don’t seem to be on the highway as much, especially during rush hour. This is favorable in the insurance company’s opinion because there is less chance of getting into a wreck.

When you drive fewer miles and it is not for commuting, your rates will be lower.

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Insurance Losses

One way to determine a general ballpark figure of what you will pay for car insurance is to look at how much the insurance company would have to shell out if something were to happen to the vehicle.

The Insurance Institute for Highway Safety lists the loss costs of different vehicles.

You can see the amount of money and other loss a car will cost an insurance company in relation to collision and comprehensive coverage, medical expense coverage, and liability coverage.

You can compare vehicles with the lowest losses to the ones with the highest losses. Insurance companies use this information when determining your rates.

Cost of Repair

When it comes to particular vehicles, a big factor in how much your insurance rate will be is how much it will cost to repair or replace the vehicle.

You may be driving a vehicle that is considered to be safer than most, but if you happen to get into an accident it may be more pricey to fix.

Generally, domestic vehicles cost less to repair than foreign ones. This is because parts are easy to find and very accessible. There are also fewer domestic luxury vehicles than foreign ones.

Many of the cars on the lowest insurance rate list are domestic models.

Luxury vehicles cost much more to repair or replace because of the high-quality and expensive parts. If you are looking to save money on your auto insurance, you would do better getting a car that is a non-luxury model.

Chances of Theft

If your car is stolen, your insurance company will help to replace it, but only if you have comprehensive coverage. Some cars tend to have a greater susceptibility to being stolen. Believe it or not, the top stolen cars are not always the most expensive and fanciest ones.

In 2009, the National Insurance Crime Bureau reported on the most stolen cars in the nation. The Number One stolen car was the 1994 Honda Accord. The next two on the list were the 1995 Civic, also from Honda, and the 1991 Camry from Toyota.

If you are the owner of one of these cars or a different one on the list, your comprehensive coverage will cost a lot more than for those vehicles with a low chance of getting taken.

One way you may be able to counter high rates of theft is to invest in anti-theft devices. Check with your insurance company, but many providers will offer a discount if your vehicle contains things to help fight theft.

These include an alarm and a tracking system so that the car can be found easily in the event it is stolen.

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Age of the Driver

You could be driving the safest, cheapest car ever and yet, if you are a teen driver, your rates will be through the roof. Drivers aged 15 to 20 have the highest fatality rate on the road, compared to every other age group.

In fact, according to the National Highway Traffic Safety Administration, teenagers get into crashes three times more than anyone else.

Insurance companies take these stats and figure them into your insurance rates. It doesn’t matter if you are insured under your parents’ policy or your own until you reach age 25 you will have high insurance rates.

Even as a teen driver, however, there are ways to lower your rates a bit. If you are female, your rates will usually automatically be lower than male drivers because you tend to take fewer chances.

Also, if you are a good student you may be able to receive a bit of a discount. Most insurance providers consider a good student as one who receives a B grade average or higher.

Another age group that tends to have higher insurance rates is drivers over the age of 65. This is because eyesight often begins to decline, perception can be off, and mentally things may be slower.

The rules of the road also may have changed since last taking the driving test, which is why some states are now requiring drivers over the age of 65 to retake the test more often in order to keep their license.

History of the Driver

Although what type of vehicle you drive is part of the equation when figuring out insurance rates, it is not the only factor. The driver of the car has a lot to do with determining policy rates.

This includes not only their age but also their driving ability. Good drivers will have lower rates than those who are not good drivers.

Every time you cause an accident or have some sort of claim with the insurance company, the company has to shell out money. This makes you a higher risk to their bottom line.

When you apply for an insurance policy, the provider checks your driving history to get an idea of your claim risk.

Your history includes past accidents, speeding tickets, other traffic violations, and DUIs. Each infraction is considered to be a negative in terms of your insurance rate.

Some violations will have a small impact on your rates, while more serious violations will have a bigger one.

The good thing is that most violations only stay on your record for a few years. Some, such as being convicted of a DUI, will stay on it for longer.

In some states, a DUI is required to stay on your record for seven years, while in others it is on there forever. Driving under the influence will have multiple consequences besides just jacking up your insurance rates.

One of the best things you can do to keep your rates low is to be a safe driver. If need be, take a safety driving class or defensive driving course. It may cost you some money but it should pay off in the long run.

Shopping for a Lower Rate

A quick way to get lower rates on your car insurance, no matter what type of vehicle you drive, is to shop around. This is a good idea especially if you are not completely satisfied with your current insurance companies and feel like you are paying too much for your policy.

It doesn’t hurt to do a quick Internet search to see if there are lower rates available. Car insurance is a competitive business and there is a pretty good chance that you will be able to save some money elsewhere.

When you do your search, make sure you have your current insurance declarations page near you so that you are getting quotes for the same coverage you have now.

If you do find a lower rate, don’t automatically take it. Look into the company a little closer. Do this by referring to the Better Business Bureau, A.M. Best, and your state insurance department.

If the company is licensed in your state, proves to be reputable, and will save you money, then by all means, make the switch.

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