I wanna buy a good MPG car that’s also low on insurance

Looking for the cheapest cars with the best gas mileage? We've got you covered! If you buy fuel-efficient vehicles used, you will save on gas and insurance costs. The most fuel-efficient cars include the Honda Insight, Toyota Prius, Honda Accord, and Toyota Camry. The cheapest cars to insurance include the Toyota Corolla, Honda Civic, and Toyota Camry. Shop around for auto insurance quotes for fuel-efficient vehicles with our quote comparison tool below to find the lowest rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 21, 2021

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The following is an exported forum post from our discontinued forum. If you would like to reply to this old forum post, please post a comment below.

I’m cheap

I want a car with good mileage per gallon as well as good insurance prices.

What should I buy? Gimme some suggestions PLZ

– Ben

Our Answer

There’s nothing wrong with being cheap! Buying a car with great mileage and cheap insurance premiums can save you tens of thousands of dollars over the lifespan of a vehicle.

You’ve probably looked into the states with the cheapest car insurance, (both annual and monthly insurance) and the companies with the best roadside service. The next thing to do is to actually look for a car that will give you good gas mileage.

Today’s most efficient cars often get more than 45 miles per gallon (MPG). In many cases, these vehicles are also relatively affordable to insure: they tend to be small or mid-sized cars with MSRPs below $30,000. Many cars with good fuel economy and low insurance premiums are popular domestic models that are cheap and easy to repair. Most mechanics in the United States can competently repair a Honda, Toyota, or Chevrolet more easily (and cheaply) than they can repair, say, a Porsche.

Insurance companies also consider safety ratings when assessing insurance premiums. A car with a better safety rating is more likely to protect its passengers in a crash. If the passengers are uninjured, then the insurance company doesn’t have to pay as much compensation after an accident.

All of these factors and more go into calculating insurance premiums. So, now, let’s take a look at which vehicles have the best combination of fuel efficiency and cheap insurance premiums.

The Most Fuel Efficient Vehicles

Here are some of the most fuel-efficient vehicles on the road today, according to tests by Consumer Reports:

  • Honda Insight: 54 mpg
  • Toyota Prius: 52 mpg
  • Hyundai Ioniq: 52 mpg
  • Toyota Prius Prime: 50 mpg
  • Honda Accord: 47 mpg
  • Toyota Camry: 47 mpg
  • Toyota Prius C: 43 mpg
  • Kia Niro: 43 mpg
  • Toyota Avalon: 42 mpg
  • Chevrolet Malibu: 41 mpg

Many of the vehicles above are affordable domestic vehicles with 40 mpg to 55 mpg. Mechanics almost always have the necessary parts, and it’s easy to find repair shops. The vehicles above also tend to come with low or average MSRPs. All of these factors add up to cheaper insurance premiums.

Plug any of the above vehicles into an insurance comparison form (like our own form) to get instant rate information. You’ll find that most of the above vehicles are relatively cheap to insure: they’re not high-end SUVs or trucks, after all. Many of the vehicles above also have strong safety ratings, which is another way to lower insurance prices.

The Cheapest Vehicles to Insure

Now, let’s take a look at some of the cheapest cars to insure. You’ll notice several cars appear on both the list above and the list below:

  • Toyota Corolla
  • Honda Civic
  • Hyundai Elantra
  • Mazda Mazda3
  • Chevrolet Cruze
  • Hyundai Accent
  • Toyota Camry
  • Volkswagen Golf
  • Volkswagen Jetta

The Toyota Camry appears on both lists, which could make it a winner for your unique needs. A 2019 base model Toyota Camry is $24,000, making it slightly more expensive than its in-class competitors. However, you could quickly make up this price difference with your cheap insurance premiums and great gas mileage.

Generally, if you’re comparing 2019 models of the vehicles above, you’ll find car insurance premiums are relatively similar. Most car models listed above have an MSRP below $30,000. They also tend to be small or mid-sized cars. You’ll find small differences between vehicle types, but don’t expect dramatic insurance savings between any of the models listed above.

Ultimately, fuel consumption and insurance prices are important things to consider when shopping for a vehicle. Many people have splurged on a higher-end vehicle, only to find their insurance premiums have tripled and they can no longer afford their policy! We’re glad you’re doing your research upfront: it can help you save a considerable amount of money in the long run.

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Other Answers

Answer 1

Please view our article “The Least Expensive Cars To Insure” here –

https://www.4autoinsurancequote.com/cheapest-cars-to-insure/

To find out which cars on this list have good MPG city rates, go here –

https://www.fueleconomy.gov/feg/findacar.shtml

Also, it appears you aren’t looking to spend a lot on a car (so this might be out of the question), but please be advised that hybrid vehicles cost little to insure and have solid MPGs… going green… Like the article says, “Those that qualify can expect to save 10-15% off your auto insurance premium, says the Consumer Federation.”

Take care!

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