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Where you live and what kind of vehicle you drive has a lot to do with how much your car insurance is going to cost. carinsurance.com has all the data.
It’s crunched the numbers and determined the cheapest cars to insure in every state and the cheapest state in which to insure vehicles.
Penny Gusner, a Consumer Analyst for the website, is our guest on this episode of The Weekly Driver Podcast.
Gusner talks with co-hosts Bruce Aldrich and James Raia about the cheapest cars to insure in every state and how the results were determined. She details how cars are built and how other factors fit into the equation. Road quality, technology, weather, etc., all contribute to a vehicle’s insurance rate.
“Most new vehicles are loaded with technology and that can lead to a safety discount, but all of that technology also comes with increased repair costs,” said Gusner. “In luxury vehicles, due materials used, a teak wood interior is much more expensive to repair than a plastic one.”
CarInsurance.com’s numbers determined that 15 vehicles were the cheapest to insure in at least one state during 2019.
Subaru has the best results. It has three models on the list. Fiat, Jeep, Mazda and Honda had two models on the list. The Fiat Pop 500 is the least expensive vehicle to insure in 15 states.
Maine is the least expensive state to insure a car, with the Mazda CX-3 the least expensive vehicle in the state to insure at the cost of $695. Michigan is the most expensive state to insure a vehicle. The Ford F-150 costs $2,501 per year on average to insure.
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Article Last Updated: December 3, 2019.
- About the Author
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A sports, travel and business journalist for more than 45 years, James has written the new car review column The Weekly Driver since 2004.
In addition to founding this site in 2004, James writes a Sunday automotive column for The San Jose Mercury and East Bay Times in Walnut Creek, Calif., and monthly auto review and wellness columns for Gulfshore Business, a magazine in Southwest Florida.
An author and contributor to many newspapers, magazines and online publications, co-hosted The Weekly Driver Podcast from 2017 to 2024.