10 of the Lowest Insurance Cars for Savvy Drivers

When it comes to choosing a new car, insurance costs are an important factor to consider. The difference between the highest and lowest insurance premiums can be significant, so it's worth taking the time to research which cars are the most affordable to insure.

According to a study by the National Association of Insurance Commissioners (NAIC), the average annual cost of car insurance in the United States is $1,547. However, there are a number of cars that can be insured for significantly less than this amount.

Here are 10 of the lowest insurance cars for 2023:

As you can see, there are a number of affordable options available for drivers who are looking to save money on insurance. If you're in the market for a new car, be sure to consider one of these models.

Factors That Affect Car Insurance Premiums

There are a number of factors that can affect the cost of car insurance, including:

• Age and experience: Younger drivers typically pay more for insurance than older drivers with more experience.
• Driving history: Drivers with a clean driving record will pay less for insurance than drivers with accidents or tickets on their record.
• Car type: Some cars are more expensive to insure than others. This is due to a number of factors, including the car's safety features, its performance, and its value.
• Location: Insurance premiums can vary depending on where you live. Drivers who live in urban areas typically pay more for insurance than drivers who live in rural areas.

How to Save Money on Car Insurance

There are a number of things you can do to save money on car insurance, including:

• Shop around: Get quotes from multiple insurance companies before you purchase a policy. This will help you find the best deal on insurance.
• Raise your deductible: A higher deductible will lower your monthly insurance premiums. However, you should only raise your deductible if you can afford to pay it in the event of an accident.
• Take advantage of discounts: Many insurance companies offer discounts for things like good driving, being a safe driver, and having multiple cars insured with the same company.
• Drive less: The less you drive, the lower your insurance premiums will be. Consider carpooling, taking public transportation, or walking instead of driving whenever possible.

By following these tips, you can save money on car insurance without sacrificing coverage.