10 Best Low Rate Car Insurance Beyond 2021

Introduction to Low Rate Car Insurance

Do you have a specific car in mind? Are you ready to make that leap from being a passenger to a car owner? Car ownership comes with lots of other responsibilities.

Choosing the best ones with cheap car insurance online will significantly lower your car insurance online.

Car insurance costs are calculated depending on different factors including the car’s performance, the costs of its repairs, and more.

The cars are then assigned to insurance groups from 1-50, 1 being the cheapest cars to insure and 50, the expensive ones.

There are some factors like your age and driving record that you have no control over when you are considering to buy car insurance online. There is however one factor that you have control over and that is the car you drive.

Top 10 Cars to Buy

Insure.com carries out research every year and in 2020, they calculated the estimate of what it costs to insure the car you would like to buy. These are the top 10 cars to buy to keep your insurance rates low;

RankCarAverage Premium
1Mazda CX-3$1,324
2Honda CR-V LX$1,333
3Jeep Wrangler Sport S$1,334
4Subaru Outback$1,335
5Fiat 500X Pop$1,335
6Honda Odyssey LX$1,353
7Subaru Forester 2.5L$1,373
8Mazda CX-5$1,374
8Jeep Renegade Sport$1,374
9Honda HR-V LX$1,377


Mazda CX-3

This is a subcompact crossover SUV. It costs an estimated average of $1,324 annually which is $580 less than the national average at $1,904. It is most popular with families and is filled with safety features making it one of the most reliable cars.

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Honda CR-V LX

This is the second of the top 10 cars and it costs $1,333 annually. It is an extremely desired vehicle because of its Honda Sensing package which is a collection of safety features that are advanced in nature.

These features prevent the number of crashes from occurring hence reducing the number of claims thereby lowering the insurance rates.

Jeep Wrangler Sport S

At an annual premium of $1,334, Jeep Wrangler came as the third on the list. They are not considered luxury vehicles.

Its parts are cheap and readily available. Since their owners tend to drive slowly; they are cheaper to insure than others.

Subaru Outback

This vehicle came in as the fourth on the top 10 list of cars to buy to keep insurance rates low. It has an annual premium of $1,335 and is considered a quality car with lots of advanced features.

It has several awards for its unique quality like the 2020 IIHS Top Safety Pick for the 2020 Outback. Its safety features include an EyeSight Assist Technology and more.

Fiat 500XPop

It is the fifth vehicle on the top 10 list of cars at an estimated premium of $1,336. It’s a small and durable car that is packed with safety features as well.

It comes loaded with seven airbags, blind-spot monitoring, adaptive cruise control, and more. Since it is a small SUV that is easy to maintain and doesn’t require that many repairs because of the safety feature, it is cheap to insure.

Honda Odyssey LX

At an insurance cost of $1,353, it’s the sixth-best car that allows you to keep your insurance rates low. Being a mini-van, it is less likely to get into many accidents because it mostly comprises families and children meaning that they would be driving slowly and diligently.

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Subaru Forester 2.5L

Coming in as the seventh car, it has an annual premium of $1,373. It was ranked among the IIHS Top Safety Pick Plus with the highest rating.

It is a compact crossover SUV and is given a 5-star rating due to its safety features. It also comes with the EyeSight Drier Assist System that can be turned on and off manually.

Mazda CX-5

It has come in on the eighth top 10 list with an annual premium of $1,374. It is a compact crossover SUV with good test crash ratings by the IIHS as a Top Safety Pick. It has also been awarded a 5-star overall safety rating by the National Highway Traffic Safety Administration.

Jeep Renegade Sport

The Jeep Renegade Sport is tied with the Mazda CX-5 with an annual premium of $1,374. It is a subcompact crossover SUV with a strong off-road capability.

With an overall user-friendly technology and great passenger space, it is considered a good car to buy, with less car insurance rates because it is not that hard to maintain.

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Honda HR-V LX

This is the last car out of the top 10 list; it has an annual premium of $1,377. Pre-loaded with a Honda Sensing, it is a safe vehicle to buy; this is because it has features like Adaptive Cruise Control, Road Departure Mitigation System, Collision Mitigation Braking System, and more that reduce the risk of accidents and thereby claims.

What Cars to Avoid to Keep Your Insurance Low

If you want to get the best car insurance quotes online, try to avoid these types of cars because they tend to drive up your car insurance rates;

  • High-end Luxury Cars. These cars are expensive to insure because of high repair and replacement costs.
  • Cars Targeted By Thieves. These cost a lot to insure and comprehensive insurance covers all the costs.
  • Sports Cars. These have high insurance premiums because most of its drivers are young hence prone to accidents.
  • Cars with Low Safety Ratings. These tend to have high insurance rates because they are more likely to get into accidents.
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As much as it is amazing to buy a car, you have to be cautious when doing it to get car insurance online that is reasonable.

You can’t move from one state to another to lower your insurance; you can, however, be keen when buying a car to get the best one with relatively low insurance.

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