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10 Cars That Cost Less Than a Coffee a Day to Insure

Updated October 15, 2015

Choosing a new car with an eye on keeping premiums low doesn’t mean having to drive a boring car. Check out 10 cars with premiums at less than a latte a day.

The iconic Jeep Wrangler Sport 4WD repeated its cheapest-to-insure title from last year, with an average annual nationwide rate of $1,134 or a meager $94.50 per month (less than a latte per day).

New-Jeep-Wrangler-2015

The average rates below are for a 40-year-old single male driver with a good record. See the full methodology at the bottom.

The Least Expensive 2015 Cars to Insure
Rank / Make & model / Average Annual Premium
1. Jeep Wrangler Sport 4WD – $1,134
2. Jeep Patriot Sport 2WD – $1,136
3. Honda CR-V LX 4WD – $1,160
4. Dodge Grand Caravan SE Plus – $1,162
5. Honda Odyssey LX – $1,163
6. Jeep Compass Sport 2WD – $1,164
7. Subaru Outback 2.5i – $1,176
8. Ford Edge SE 2WD – $1,176
9. Smart FORTWO Pure – $1,186
10. Ford Escape S 2WD – $1,190

2014 Nissan GT-R Nismo; top car design rating and specifications

The most expensive model to insure was the 600-horsepower, $150,000 Nissan GT-R Nismo at $3,574 a year.

The Most Expensive 2015 Cars to Insure

Rank / Make & model / Average Annual Premium
1. Nissan GT-R Nismo – $3,574
2. Mercedes-Benz SL65 AMG Convertible – $3,573
3. Dodge SRT Viper – $3,318
4. Porsche 911 Carrera S Cabriolet – $3,216
5. Audi R8 5.2 Spyder Quattro – $3,206
6. Porsche Panamera Turbo Executive – $3,174
7. BMW 760Li – $3,147
8. BMW M6 Convertible – $3,115
9. Mercedes-Benz E63 AMG 4Matic Wagon – $3,042
10. Mercedes-Benz CLS63 AMG 4Matic Sedan – $2,972

Car insurance rates vary widely by state. The same buyer of that 2015 Jeep Wrangler would pay as little as $694 a year in Maine or as much as $2,027 in Michigan. A GT-R buyer in Montana would pay $6,630 in Montana and $2,012 in Hawaii.

Methodology
Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for 2015 models. Averages were calculated using data from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state. Not all models were available, especially exotic cars. More than 1,500 models are included in the 2015 study. Least expensive rankings were based on the best-performing trim line of each model. Most expensive rankings were determined by the worst-performing trim line of each model. Averages are based on full coverage for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage.

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Chris Riley
About Chris Riley

I have been wrecking cars for as long as I've been driving them but I keep coming back for more. Two wheels or four, I'm all in. GearHeads.org gives me a chance to give something back to the automobile community.

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