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Car premiums are based on a variety of factors. Insurers start off with the car sticker price. The more expensive it is, the higher the premium. Insurers also look at the horsepower of the car to distinguish high performance cars from the regular sedans. With high performance cars premiums are always high because the insurer believes you have bought the car for speed and will get into an accident. Moreover the bigger the car, the higher the premium. For example, a hummer can cause a lot more damage than a 2 door Hyundai- so the premiums are high on the hummer.

Also the theft history is important. While the Cadillac is not a speedy car, it is also the most frequently stolen and hence it is one of the most expensive cars to insure.

In general cars which have a good safety record have low rates. So if you are looking for cars which have the lowest premium and are safe, these are the following

The Chevrolet uplander $831
Hyundai Santa Fe $832
Kia sportage $840
Hyundai entourage $848
Honda odyssey $871
Pontiac grand prix $902
Mazda tribute $913
Jeep wrangler $939
Kia Amanti $943
Honda accord car insurance $951
Chevrolet impala $959

However, the above figures are just rough estimates and premiums also depend on your driving record, how much coverage you want, how likely it is you are going to get into an automobile accident and what it will cost to repair the car.

So if you are looking to save on a car insurance – the cheapest is to get a four door sedan, with a small engine, basic features and is cheap to repair.

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