The Cheapest Cars to Insure in America

5. Jeep Patriot Sport
> Average annual premium: $1,160
> Price: $15,995
> 2012 sales: 62,010
> Engine: four-cylinder

The Jeep Patriot Sport is Jeep’s least expensive car, available in two-wheel drive for just under $16,000. The Patriot also receives considerably better gas milage than other higher priced Jeeps with its 26 miles per gallon versus just 18 miles per gallon for the Jeep Wrangler. But despite providing savings on retail price, gas, and insurance compared to other vehicles, noted that “other vehicles in this segment offer roomier interiors, more cargo space, better fuel economy, available V6 engines, superior fit and finish and even off-road capability.”

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4. Kia Sportage
> Average annual premium: $1,157
> Price: $19,000
> 2012 sales: 36,357
> Engine: four-cylinder

The Sportage is the least expensive of the three models Kia offers in the SUV and crossover category. The Sportage comes in a variety of trims, with the all-wheel drive, automatic transmission Sportage SX costing over $28,000. Included with the more expensive Sportage trims are features such as a rear-view camera, a Smart Key for starting the car with the push of a button, and a black gloss grille. The Sportage gets excellent safety ratings from the NHTSA, with the four-wheel drive versions receiving four stars and the all wheel drive versions receiving five stars.

3. Subaru Outback 2.5i Premium
> Average annual premium: $1,150
> Price: $24,995
> 2012 sales: 117,553
> Engine: four-cylinder

The Outback 2.5i Premium — the second of the Subaru Outbacks among the least expensive cars to insure — has a lower average annual premium than any other foreign car. In addition to being $3,500 cheaper than the Outback 3.6R, Outback 2.5i Premium owners also save an average of $30 a year on insurance premiums. According to, a six-cylinder Outback such as the 3.6R gets just 20 miles per gallon, while an Outback with a four-cylinder engine such as the 2.5i Premium gets 26 miles per gallon.

2. Jeep Grand Cherokee Laredo
> Average annual premium: $1,148
> Price: $27,695
> 2012 sales: 154,734
> Engine: six-cylinder

The Grand Cherokee is Jeep’s most expensive model. At the low end, Grand Cherokees start in price at $27,695 for a Laredo 4×2, while the the high-end SRT8 4×4 costs $60,295. Unlike the Laredo, the SRT8 model comes with an eight-cylinder engine, a sport mode and is described by as “[adding] an ample dose of high-octane insanity to transform this part-time mountain climber into a part-time mountain road carver.” The Grand Cherokee remains the brand’s most popular model, accounting for 154,734, or 33%, of the 474,131 Jeep vehicles sold in 2012.

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1. Ford Edge SE
> Average annual premium: $1,128
> Price: $27,555
> 2012 sales: 127,969
> Engine: four-cylinder

The Ford Edge SE carries a lower average insurance premium than any other car in the nation at an average of just $1,128. Although the Edge is a relatively recent addition to Ford’s lineup, having debuted at the 2006 Detroit Auto Show, the car has built a strong reputation in recent years. According to CarMD, the 2007 and 2008 Ford Edge are among the nation’s most dependable cars. During each of the last three model years since the second generation of the model was introduced for 2011, the Edge has received a four star rating for safety from the NHTSA.

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