Oil and gas prices continue to rise, so everyone is looking for ways to cut down on their vehicle costs and it could be the vehicle you are already driving. Most people believe that cheaper cars are the most affordable to insure, but that is not always the case. There are other factors at play like vehicle type, driving history, and many more factors that can affect your monthly rate. 

Here are the top five affordable vehicles to insure (based on information from Kelley Blue Book) :

1. Subaru Outback

2. Subaru Forester

3. Honda CR-V

4. Jeep Wrangler

5. Hyundai Tucson 

Insurance companies determine a monthly rate based on a vehicle’s risk, claim history of driver, rate of theft, etc. Certain car models can increase your insurance rate based on their safety ratings. Outback and CR-V models are more affordable to insure purely based on their extremely high IIHS safety ratings. Trim levels on your vehicle can also increase your monthly rate. Vehicles with high-tech safety features can be costly to repair or if your vehicle has performance parts, insurance companies will assume you are a speed risk. 

While we have talked about the best cars to insure, here are some vehicles to avoid for high insurance rates:

• Sports cars

• High-end luxury vehicles

• Electric vehicles

• Cars most targeted by thieves

Rates vary dramatically among insurance companies, so it’s important to shop around.