When picking out the best cars for teens, safety is usually the biggest concern for parents. The cost of insuring a car is tied to the risk of causing injury or property damage. Using insurance costs as a proxy for risk and safety we examined 125 cars for a sample 18 year-old driver living in Pennsylvania to see which cars were seen as least risky / safest by insurers. Our study found a wide range of insurance costs in the sample with the Mazda MX-5 Miata as the cheapest car to insure, Subaru Outback came second, and Volkswagen Golf GTI taking the third place. For the best cars to insure for adults, visit here. Best Cars for Teens The table below shows the 20 cheapest models to insure for our 18 year-old sample driver. Smaller compact cars, such as the Mazda MX-5 Miata and the Volkswagen Golf GTI, made into the top 20 list. SUVs and larger cars were also represented, including the Subaru Outback and the Honda Odyssey. Rank Car MSRP Average Annual Car Insurance 1 Mazda MX-5 Miata $23,720 $2,640 2 Subaru Outback 23,495 2,735 3 Volkswagen Golf GTI 25,385 2,740 4 Mini Countryman 19,950 2,766 5 Volkswagen Routan 28,375 2,769 6 Smart Fortwo 13,270 2,776 7 Fiat 500L 19,195 2,786 8 Honda Odyssey 28,825 2,788 9 Subaru Legacy 20,295 2,792 10 Mini Paceman 23,300 2,807 11 Toyota Sienna 26,920 2,808 12 Ford Mustang 22,510 2,821 13 Fiat 500 16,845 2,824 14 Volkswagen Beetle Hatchback 18,995 2,826 15 Buick Encore 24,160 2,831 16 Subaru Forester 21,995 2,833 17 Subaru XV Crosstrek 21,995 2,838 18 Volkswagen Jetta 15,695 2,850 19 Volkswagen Beetle Convertible 25,595 2,860 20 Dodge Grand Caravan 20,895 2,865 Show All Rows Most Expensive Cars to Insure for Teens The list of the most expensive cars to insure is largely made up of compact cars and vans. The amount of annual insurance premium varied by more than $640 between the cheapest (Mazda MX-5 Miata) and most expensive (Kia Forte) to insure. Surprisingly, some of the most expensive cars to insure had sticker prices less than $20,000, including the Kia Forte and Honda Civic. Rank Car MSRP Average Annual Car Insurance 1 Kia Forte $15,900 $3,282 1 Mini Cooper Hardtop 23,162 3,282 3 Mitsubishi i-MiEV 22,995 3,282 4 Scion tC 19,210 3,268 5 Kia Rio 13,900 3,217 6 Hyundai Accent 14,645 3,202 7 Mitsubishi Lancer 17,195 3,152 8 Ford F-150 25,025 3,146 9 Honda Civic 18,190 3,138 10 Hyundai Elantra 17,200 3,125 How We Conducted the Study The ranking was based on the most purchased cars in 2014 that cost less than $30,000; there were a total of 125 cars included in the study. We used as our example driver an 18 year-old male, who had a clean driving record and good credit score, and used his car mostly for commuting to school or work. The average cost for insuring each car was calculated by getting quotes from 20 different auto insurance companies in Pennsylvania. We used requirements for auto insurance in Pennsylvania for the policy coverage in the study. Pennsylvania Required Car Insurance Coverage PA Required Min. Limits Bodily Injury (BI) $15,000 per person / $30,000 per accident Property Damage (PD) $5,000 per accident Medical Benefits (PIP) $5,000 per accident
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