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A Review of Cars with the Cheapest Insurance Rates in the USA



Cars with the Cheapest Insurance Rates

Cars with the Cheapest Insurance Rates

This review of cars with the cheapest insurance rates in the USA is based on credible information obtained from the vehicle manufacturer websites and top insurance information sites –, 24/7,, and, all domiciled in the USA.

The criterion for this review of cars with the cheapest insurance rates in the USA includes the car manufacturer’s suggested retail price (MSRP.), Group Rating Panel (members of the Association of British Insurers and the Lloyds Market Association) and individual driver factors.

The aggregate of factors, derived from above, which gives the cars below the effrontery to make our list include vehicle fuel efficiency, Repair costs, Cost of the parts, the value of the car, Performance of the car, Car security, and vehicle safety ratings.

The sources of this data include information gathered from the Department of Energy’s website –, the National Highway Traffic Safety Authority’s (NHTSA) online database,, and car models review Information released on

10 Cars With The Cheapest Insurance Rates In The USA Between 2017 – 2018

Below are 15 cars with the cheapest insurance rates between now and at the same time last year. Please, note that the position of the cars in the list below has nothing to do with the price of insurance coverage. The positioning is very arbitrary and can be reversed or reshuffled at any time. However, the criterion listed above has been used to categorize the cars in this group.

Nissan Micra using the Group Rating Panel places the Nissan Micra in insurance group 1 as the cheapest care to ensure in 2018, or put the other way around, the car with the least insurance cover in the United States. The Micra, though having been around since the 1980s now comes with an all-new look and a relatively low-cost price. However, as notes, the cost of insurance coverage for this car also depends on the owner’s driving history and other (unnamed) factors.

Kia Rio

The Kia Rio with its many models comes second in the list and when compared with the Nissan Micra, is second least expensive to ensure in the USA. It is a car best fitted for small families. places it second In its grouping of least to insure cars in the USA in 2018. What makes the Rio a standout, many US drivers commend, is its ample boot space and low CO2 emissions.

Volkswagen Polo

Having first been introduced in 1975, The Volkswagen Polo remains a favorite small with worldwide patronage. Today, the Volkswagen Polo from our analysis ranks third as the least expensive car to insure in the USA, thanks to its simplicity, fuel economy and low cost.

Vauxhall Corsa Hatchback

The Vauxhall Corsa Hatchback comes 4th on our list. It is one car that has gained raft popularity with not just young drivers but the young at heart as well ever since it was first released into the US market. So, whichever of the latest generation models you choose – Sting or Life, the Corsa remains a vehicle of choice, a reliable super-mini for any occasion!

Ford Fiesta

Although an old favorite, the Ford Fiesta first released back in 1976 still stands tall in the comity of cars in the USA with the least insurance cover. Today, as two of Ford Fiesta’s Style trims fall in insurance group 2, being the latest versions of the vehicle. We rank it 5th on our list of a car with cheap insurance cover in the USA.

Hyundai i10

The Hyundai i10 is one smart car with high fuel economy, packed with interesting entertainment features. It sure is a car for the youths and the entertainment vixen. Perhaps, these features make it come up to position number 6 on our list of least expensive to insure cars. When you are looking for a care with a 1.0-litre engine, then you are looking for a Hyundai i10! In 2014, this car was voted the best city car at the 2014 Car of the Year Awards. Can you imagine that?

SEAT Ibiza

The number 7 position of least expensive to insure cars goes to SEAT Ibiza. Having won the best small car category at the “What Car?” award, and “Car of the Year awards”, this sleek automobile has significantly stunned everyone as the small car to beat! Given that it possesses a 1.0-litre S and SE versions of the engine just like the Hyundai i10 above, and possessing everything a small car should have, this automobile is considered a good choice of a car that is cheap to insure.

Smart Forfour

Ranking number 8 on our list is the Smart Forfour. There are all indications that this car should have a low insurance cover, especially its “Pure version” model which according to belongs to is insurance group 1 given the Group Rating Panel criterion discusses earlier.

Skoda Citigo

The Skoda Citigo, belonging to the Volkswagen group is a relatively low insurance cover car. This is due to its solid engineering and low price. This spacious 3-door compact city car is so beautifully designed for an easy drive around busy streets in the towns and cities. Probably its design, engineering, and architecture have earned its number 9 position. But anyway, that’s a good thing; the better the design, the higher the insurance cover.

Ford Ka+

The original model of the Ford Ka+ was very popular in the late 1990s.  However, years later, the car was re-introduced, specifically in the year 2016 in many models some of which belong to insurance groups 1 and 2, following the Group Rating Panel criterion. So, if you are looking for a car with a cheap insure cover, and then you can go for the Ford Ka+ as well.



The position of the cars reviewed in this article is indeterminate of factors such as the cost of insurance or price of the cars, etc. The positioning does not matter. The car in position number 1 is not necessarily lesser in insurance cover price than the last on the list. Ensure that you make further findings in your state before buying any of these cars as all information contained in this page are subject to change at any time.

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