Buying a car is a big decision and there are a lot of things that need to be considered before you can make the choice on which one is right for you. First, you have to think about your family dynamics. You are also going to want to consider where you live. If you live in a place that has bad weather with snow, sleet, and ice, you are going to want a vehicle that can handle those conditions.
Then you are going to consider the financial burdens and responsibilities of buying a car. First, you are going to want to consider vehicles that will fall comfortably into your price range so that you will be sure to get the loan from the bank. Then you will want to think about how much insurance might cost. Insurance is an important purchase and the amount of insurance varies from vehicle to vehicle. Safety is one of the biggest factors when it comes to the pricing as well as repair costs, where you live, your driving record, and other considerations.
If you are in the market for a new car, here are 15 cars of 2018 that you may want to consider because they are listed as the 15 cheapest cars to insure, according to Insure.com. We'll also take a look at the flip side, featuring the most expensive rides to insure.
Here is the List of these 10..
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10. EXPENSIVE - 2018 MERCEDES AMG GT S
This Mercedes model has an average premium rate of around $3,430. This convertible coupe starts at $132,000 and comes with 515 horsepower, top technology, luxury, and a top of the line audio system.
Unfortunately, most people won't be able to afford the insurance, let alone the monthly car payment that is going to be required to drive a car like this. Make sure you do your homework before signing any dotted line. Be aware of what is going to be realistic for you so that you don't have to take out a second mortgage to drive it.
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9. CHEAP - 2018 JEEP WRANGLER FREEDOM
The average premium cost for the 2018 Jeep Wrangler Freedom is $1,169, according to Insure.com, which ranks it as the cheapest car to insure in 2018. The Freedom Edition is actually a particular package that Jeep makes available on multiple models including the Wrangler, Wrangler Unlimited, and Patriot and for each one purchased, a donation to the USO is made.
This package includes 17-inch rims, fender flares, and other body modification options. As reported by Autobytel.com, there are also upgraded interior options like Black Tectonic fabric, accent stitching, the Uconnect System, and Power Convenience.
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8. CHEAP - 2018 HONDA ODYSSEY
The 2018 Odyssey is listed with an average insurance premium cost of around $1,181, according to Insure.com. The base model manufacturer's suggested retail price starts out around $30,000 and goes up from there.
This is the kind of minivan that every soccer mom wants to help her do all the running around that she needs to. It has an average fuel efficiency of just under 34 miles per gallon and was fully redesigned for the 2018 model year. It also has all the tech options that you could want to include such as lane assist technologies and infotainment center options as well.
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7. EXPENSIVE - 2018 MERCEDES S63 AMG
This is the second of the five different Mercedes models that make the 10 most expensive list on Insure.com - it has an average premium cost of around $3,670.
Like the S65, there is no amount of safety features that could offset the crazy base MSRP of this car, which is listed on Carbuzz.com at over $147,000. This S-class coupe is a combination of 600 horsepower with all the luxury and comfort that Mercedes is known for - that explains the expensive number.
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6. CHEAP - 2018 SUBARU CROSSTREK
The Subaru Crosstrek comes in at the third slot with an average premium cost of $1,236, according to Insure.com. The Subaru brand is known for its safety and all-wheel drive vehicles, which is part of the reason why these types of rides are cheaper to insure.
The base model for the Crosstrek starts out with an MSRP just under $22,000, which is possibly another reason why they are cheap to insure. This subcompact SUV is a top pick for moms and dads.
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5. CHEAP - 2018 SUBARU OUTBACK
The 2018 Subaru Outback is the other Subaru types in the top 15 cheapest to insure with an average premium cost of $1,238. The base model of the Subaru Outback has an MSRP of around $26,000, according to KBB.com and it goes up from there with upgraded options.
Like with most vehicle models, the base types are commonly the cheapest to insure, but many consumers like the engine and technology upgrades of other versions. It is a trusted Subaru model that debuted in 1995 as a trim model version of the Subaru Legacy.
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4. EXPENSIVE - 2018 MERCEDES S65 AMG
Insure.com lists this Mercedes as the most expensive car to insure for 2018 as it has an average premium cost of $3,890. High-end luxury vehicles and sports cars cost more to insure because they have all the best features (making them expensive to repair) and they have a high sticker price (making them a high payout if they are totaled).
Carbuzz.com has the price of this car listed at around $229,000 and it has everything that you could ever want for that price. Top of the line massage function, Driver Assistance Package, V12 motor and so much more.
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3. CHEAP - 2018 MAZDA CX-3 SPORT
The CX-3 Sport is one of the model versions of the CX-3 and has an average premium cost of $1,248. The CX-3 is a subcompact SUV with a 6-speed shiftable automatic transmission and a 2.0 liter inline 4 engine.
There is a base model front-wheel drive and an upgraded all-wheel drive with starting MSRPs of around $20,000 and just over $21,000, respectively. The CX-3 Sport also has many of the best safety systems like emergency braking assist, pre-collision safety system, rearview camera, and so much more.
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2. EXPENSIVE - 2018 MERCEDES MAYBACH S650
The first three on the most expensive list are all cars in the S-class line of Mercedes Benz and, according to Insure.com. The Maybach S650 has an average premium rate of $3,558.
We're not sure if that is a bad thing, but we're sure that Mercedes couldn't care less. This S-Class Mercedes has a base price of just under $199,000, according to Cars.USNews.com. This particular Mercedes has a provocative 621 horsepower, turbocharged V12 motor, and all the bells and whistles.
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1. CHEAP - 2018 JEEP COMPASS SPORT
The Jeep Compass Sport is a compact sport utility vehicle that has an average premium cost of $1,257 and is number nine on Insure.com's list of cheapest cars to insure. Like many other sport models, there are two versions of this model which are front-wheel and all-wheel drive, both with an inline 4 cylinder engine.
Base MSRP for these versions is around $21,000 and $23,000, respectively, according to Edmunds.com. It may come as a surprise to many, but there are four Jeep models listed in the top 15 cheapest cars to insure.
