Top 5 cars with the cheapest insurance rates

Picture of Chris Teague

Chris Teague

The Nissan Maxima is one of the cheapest cars to insure in the U.S.

ValuePenguin, which is owned by Lending Tree, has surveyed the vehicle landscape, finding the top five vehicles with the cheapest car insurance rates.

To determine the winners in this survey, ValuePenguin investigated the relationship between car insurance costs and safety, specifically looking at driver fatalities per million registered vehicles according to data from the Insurance Institute for Highway Safety (IIHS).

The analysis determined that “vehicles associated with fewer fatal accidents tended to have lower car insurance costs. Conversely, cars associated with higher rates of fatal accidents saw more expensive car insurance rates.”

Many of the vehicles listed earned a top IHS Top Safety Pick+ rating for 2020.

No. 5 – Subaru Legacy

2020 Subaru Legacy

Photo courtesy of Subaru of America, Inc.

The Subaru Legacy was completely redesigned for the 2020 model year. It now features a powerful engine, engaging drive dynamics, and high-tech infotainment and safety features. Subaru equips the model with standard all-wheel drive.

No. 4 – Volkswagen Golf GTI

2020 Volkswagen Golf GTI

Photo courtesy of Volkswagen AG

The Volkswagen Golf GTI has been refined for 2020. It is now available in three trims—S, SE, and Autobahn – and VW has given the model additional standard safety technology. The Golf GTI is one of the few models still available with a manual transmission. The company recently revealed the next generation of the Golf GTI for 2021.

No. 3 – Nissan Maxima

2020 Nissan Maxima

Photo courtesy of Nissan North America

​The Nissan Maxima doesn’t compete against many other large sedans these days, but it still puts up a good fight giving buyers plenty of reason to explore the segment. The 2020 Nissan Maxima is relatively the same as the 2019 model. Nissan Safety Shield 360 is now standard on the car, adding automatic emergency braking with pedestrian detection, blind spot warning, rear cross traffic alert, lane departure warning, high beam assist, and rear automatic braking to every Maxima model.

No. 2 – Acura ILX

2020 Acura ILX

Photo courtesy of American Honda Motor Co., Inc

The ILX is the entry point into the Acura brand and, despite not being the newest model in the company’s portfolio, it’s still attracting plenty of buyers. How long the ILX name will be around is up in the air. A recently leaked dealer slideshow discussed a new compact car coming soon. but did not explicitly call it the ILX name.

No. 1 – Nissan Leaf

2020 Nissan Leaf

Photo courtesy of Nissan North America

The Nissan Leaf is one of the most popular electric vehicles the world. It’s available in two battery grades that offer up to 226 miles of range. The popularity of the Leaf has made it one of the best-known EVs in the world. Recently, the company released the “Nissan EV Driver Etiquette” guide.

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