Before buying a car, we check a list of considerations. One of these is the insurance cost. It is ideal to learn about how to save money on the insurance costs to help you reduce your annual expenses.

It is widely accepted that auto insurance is a numbers game. The probability of the owner to file a claim determines the cost of a given premium. An owner's driving record also has a huge effect. Expect a higher cost if you had violations or accidents. In addition to that, the area where you live is also a factor. The busy urban area has a higher risk of stolen cars.

Another variable we should also consider to help minimize premiums is the car model. It would be an optimal choice to go for a simple, safe and affordable car. We have listed the 15 cheapest new cars to insure to help make your decision.

15 Nissan Frontier S

autoblog.com

Despite the fact that the latest version of the Nissan Frontier has the least powerful V6 engine in its class, it still has very competitive towing capacities while offering a comfortable ride on most roads. Annually, it costs an average of $1,361 to insure a Nissan Frontier S, which is $170 less than the national mean sum.

14 Honda Fit LX w/Honda Sensing

i.ytimg.com

Honda was successful in adding an additional safety feature into the newest version of Honda Fit, without compromising the price. This subcompact car, which is equipped with all the features of Honda Sensing, now has automatic high beams for its headlights. It has an average premium cost per year of $1,358.

13 Buick Encore 1SV

woodycars.com

The subcompact SUV 2020 Buick Encore was listed to have and average premium rate of about $1,354. With a starting sell price of $23,000, its base model costs higher than most of the other subcompact SUVs. It stands out more with its upgraded interior, comfortable seating and straightforward infotainment system.

RELATED: 20 Mods That Will Make A Car Uninsurable

12 Subaru Crosstrek

motor1.com

The Crosstrek is a Subaru - meaning it's best known for its safety and all-wheel drive features. It is also part of the reason why it is one of the cheap cars to insure. It has an average premium of $1,236, which is $252 cheaper than the national average.

11 Mazda CX-5 Sport

autoblog.com

Mazda released a new midsize crossover, CX-3, to face off with the Seat Ateca, Volkswagen Tiguan, and BMW X1. With the same basic platform as its predecessors, it still has an eye-catching exterior. It cost an average of $1,352 to cover a Mazda CX-5 Sport per year, which is $321 cheaper than the national mean.

10 Jeep Compass

jeep.rs

The Jeep Compass is a cheap car to insure, with average cost to insure per year of $1,349, which is $224 less than the national mean. It really is a practical choice and easy to drive around town and on trails. It is one of the limited small crossovers to have an off-road use feature.

9 Subaru Forester 2.5I

carsguide.com.au

With a familiar platform, the latest version of this famous Subaru SUV continuously impresses with its refinement and performance as an all-terrain vehicle. The 2019 Forester was included in the Top Safety Pick of Insurance Institute for Highway Safety (IIHS). As a standard, it also comes with an automatic pre-collision sensor and braking system.

RELATED: 25 Things Car Insurance Companies Don’t Want Us To Know

8 Ford Escape

es.ford.com

Styled as a more car-like crossover shape, the brand new Ford Escape is coming in 2020 to stir things up in the compact crossover SUV market. Famous to be among the smaller SUV to defray the gasoline cost, the Ford Escape has an average cost to insure per year of $1,344.

7 Jeep Renegade

caranddriver.com

The 2019 model of Renegade, which is one the smallest and least expensive SUVs in the Jeep lineup, has a new look. With a compact front-wheel-drive base, it serves a range of engines, including a turbocharged 1.4L mill. Its average yearly premium of 1,338 is $297 less than the national mean.

6 Honda CR-V

slashgear.com

The popularity of the Honda CR-V is undeniable. The company had taken this car’s standards to exceed expectations when it comes to safety, fuel efficiency, and customer satisfaction. With that being said, it is among the cheapest cars to insure with an average cost to insure per year of $1,333.

5 Honda HR-V

2020 Honda HR-V
thecarconnection.com

It could be a more practical choice to go for the buoyant Honda HR-V subcompact crossover SUV compared to a subcompact car. The 2019 model is characterized by continuously variable transmission (CVT) and a blind spot monitoring system. Its average yearly premium of $1,325 is $482 less than the national mean.

RELATED: 10 Entry Level Cars with Low Insurance Premiums

4 Mazda CX-3

autorepublika.com

Mazda produced the subcompact CX-3 crossover as a smaller version of the CX-5. Even with less interior room and cargo space, it still has a quite sporty feature, including its swift cornering abilities, resulting in a pleasant driving experience. On top of its selling price of $20,390, the CX-3 has an average yearly premium of $1,307.

3 Subaru Outback 2.5I

motortrend.com

Insurance companies love Subaru vehicles as they come hand-in-hand with numbers of safety equipment and are comparably affordable. Its starting selling price is around $27,000, and the average insurance cost per year is $1,306. The Outback is perfect for small families and empty-nesters alike. Drivers can also take advantage of its all-wheel-drive feature.

2 Jeep Wrangler

gearpatrol.com

Jeeps are unlikely to be considered as luxury vehicles. The Jeep Wrangler, available in two-door and four-door versions, is an iconic off-road vehicle that suggests a rugged style with its fairly bare-bone structure. Its repair costs are relatively inexpensive. Its sturdiness and mechanical simplicity make them cheaper to insure. The average annual coverage is $1,304.

1 Honda Odyssey LX

autoblog.com

Branded as the least expensive car in America to insure, the Honda Odyssey LX costs an average insurance per year of $1,298, which is $514 less than the national average. Roomy interior and clever features of this vehicle contribute to excellent family transportation. Its reliable V6 engine is another factor in its low insurance rates.

NEXT: 10 Most Expensive Supercars To Insure, Ranked