The Cheapest Cars to Insure in America

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7. Subaru Outback 3.6R
> Average annual premium: $1,180
> Price: $28,495
> 2012 sales: 117,553
> Engine: six-cylinder

The Subaru Outback is one of four different models Subaru of America sells in the SUV and crossover category. Of these models, the basic Outback has the second highest suggested retail price of almost $23,500. The Outback 3.6R is available for $5,000 more, and offers additional features such as a six-cylinder engine that provides for improved horsepower and torque over the base model. According to Edmunds.com, “if you want some zip, you’ll need to ante up for the 3.6-liter engine.”

6. Chevrolet Express 1500
> Average annual premium: $1,171
> Price: $25,750
> 2012 sales: 76,808
> Engine: eight-cylinder

LIke the Ford Transit Connect, the Chevrolet Express is a commercial van. But unlike the Transit Connect, or any other car with similarly low insurance premiums, the Express has an eight-cylinder engine to provide torque for heavy cargo. The 1500 trim is the least expensive of the five offered. But whatever owners save on insurance, they will likely spend on gas. Over a five-year period, an Express 1500 with all wheel drive — which gets 14 miles per gallon — will use $7,000 more in gas when compared to the average 2013 model year vehicle.