Top 20 Cheapest Cars to Insure

Introduction
In the U.S., the car we drive is an extension of who we are—it expresses our values, sense of style and, to some extent, eccentricities. But the car we drive also plays a major role in determining how much we pay for car insurance, and many drivers fail to factor in this reality. That’s why it pays to know which vehicles get rock-bottom car insurance rates, and with this in mind, we've turned to our friends at insurance marketplace InsWeb.com for a list of the 20 cheapest vehicles to insure.

Analyzing every 2009 model vehicle insurance quote request generated by InsWeb.com since January 1, 2009, InsWeb determined a median auto insurance rate for each request by using a proprietary system that tracks the rating algorithms of multiple insurance carriers in each state, and then combined the results for like vehicles. After sorting through almost 400 makes and models, the vehicles with the lowest median rates were chosen, and a top 20 list was produced.





Car Insurance X-Factors – What Determines Your Rate?
There are many factors that determine car insurance rates, including gender, age, driving record, ZIP Code, annual mileage and, in most states, credit scores. The factor that often trumps them all, however, is the car you drive. Common sense holds that a more expensive vehicle will cost more to insure than a cheaper one, but it’s not always that simple. A vehicle’s safety rating, accident frequency and theft rate also play a major role in determining its insurance premium. With that in mind, we asked InsWeb.com to provide a short insight into why each of the vehicles on the top 20 list have such low premiums. As an added bonus, we've also included if there will be any major changes to these vehicles in 2010 that might affect insurance premiums, as all of the vehicles on this list are from the 2009 model year. With that, flip to the next page to see the top 20 cheapest cars to insure.