Vehicles with Lowest Car Insurance Rates for 2012

Keeping car insurance rate low all starts with the vehicle you have.

Picking the right vehicles for the lowest insurance rates.

None of us like to pay high car insurance rates. What am I talking about? None of us like to pay for car insurance, period. Unfortunately, it is one of those necessary evils that we just can’t (legally) go without.

The next best thing then, is to pay the lowest insurance rates possible and still have good coverage. You can do this by learning which cars are least expensive to insure.

Thanks to research done by the site insure.com, we are able to provide you with a list of the 20 vehicles with the lowest car insurance rates in 2012.

If you notice, most of the vehicles on this list are family vehicles. It is a collection of minivans, SUVs and trucks. There is not a single sports car, small car, luxury car, or even a sedan on here.

What else do all of the vehicles with the lowest car insurance have in common?

First, these vehicles cost less to repair if they do get into a car accident. A good number of these vehicles also retain their value over the years, and are less likely to be declared a total loss after a serious accident. This makes it cheaper for the insurance company, because fixing the vehicle costs them less than paying the total value of the car.

Second, the people driving these types of vehicles usually have families. They are also not thrill seekers, so they drive safer and get into fewer accidents.

Note: The rates on the above charts are a nationwide average and may not reflect what you are paying if your vehicle is on the list. Your own car insurance rate may be higher or lower than what is showing on the chart.