The Cheapest 2015 Cars to Insure

10. Kia Soul

MSRP: $15,190
Five-year estimated insurance cost: $6,100

The boxy Kia Soul costs $1,220 a year to insure -- and Oldham says it's a great car to boot. "The Soul is a very nice vehicle," he says.

The crossover combines a modest price with lots of millennial-friendly features, from standard iPod connectivity to optional streaming Internet radio.

That said, the base Soul's 130-horsepower engine offers a so-so 24 mpg fuel efficiency rating in the city and 30 mpg on the highway.

Over a typical five-year loan, you'd pay $6,100 to insure the Kia -- compared with $7,775 for the average new 2015 model.

9. Toyota Yaris

MSRP: $14,845
Five-year estimated insurance cost: $6,820

Expect to pay $1,364 annually to cover an entry-level Toyota Yaris hatchback.

The base model also offers a fuel-sipping 30 mpg/city and 37 mpg/highway, thanks to its modest 106-horsepower engine.
"The Yaris isn't really a standout in its class, but it does provide reliable, fuel-efficient transportation," Oldham says.

8. Hyundai Accent

MSRP: $14,745
Five-year estimated insurance cost: $6,760

Covering the small Hyundai will cost you $1,352 a year, but Oldham says the relatively roomy model offers "a lot of car for the money."

Base editions feature a number of impressive amenities, from satellite radio to Hyundai's industry-leading 10-year/100,000-mile powertrain warranty. The 137-horsepower engine also offers a decent 27 mpg/city and 38 mpg/highway.

7. Ford Fiesta sedan

MSRP: $14,455
Five-year estimated insurance cost: $6,375

The Ford Fiesta subcompact costs $1,275 a year to insure and comes with some upscale amenities, from voice-activated controls to a six-speaker sound system. Entry-level Fiestas also have a 120-horsepower engine that gets a respectable 28 mpg/city and 36 mpg/highway.

"The Ford Fiesta has unique styling, a bit of a sporty nature -- and it's fun to drive," Oldham says.

6. Chevrolet Sonic

MSRP: $14,245
Five-year estimated insurance cost: $6,370

Entry-level versions of the Chevrolet Sonic costs $1,274 a year to insure and also come with 4G LTE WiFi and other impressive features.

"The Sonic is a high-quality vehicle," Oldham says.

On the downside, the model's 138-horsepower engine offers only 26 mpg/city and 35 mpg/highway.

5. Kia Rio

MSRP: $13,990
Five-year estimated insurance cost: $6,615 (hatchback)

The Kia Rio gives a choice: sedan or hatchback for the same price. There's a small difference in insurance rates though. You'll spend $1,347 a year insuring the sedan version or $1,323 covering the hatchback. The base Rio's 138-horsepower engine also comes in at a reasonable 27 mpg/city and 37 mpg/highway.

"The Rio is a very attractive car," Oldham says.

4. Smart Fortwo

MSRP: $13,270
Five-year estimated insurance cost: $5,930

A Fortwo is perfect for you if you like to save money, because insuring one will run you only $1,186 annually.

That makes the Fortwo the only 2015 model sold in America to make both the lowest-MSRP and lowest-premiums list.

On the downside, base Fortwos combine scant interior space with amenities so spartan that even cruise control costs extra.
While the model's 70-horsepower engine and automatic transmission (technically an "automated manual") produce a solid 34 mpg/city and 38 mpg/highway, Oldham says the car doesn't offer a particularly good ride.

"The Fortwo is neither the most practical vehicle nor the best-driving option among low-priced cars," he says.

3. Mitsubishi Mirage

MSRP: $12,995
Five-year estimated insurance cost: $6,325

Entry-level versions of the smallest Mitsubishi cost $1,265 a year to insure and also come with some features rare for bargain 2015s, from power windows to a rear spoiler. The Mirage's 74-horsepower engine also gets an impressive 34 mpg/city and 42 mpg/highway.

Still, Edmunds gives the car a rare "D" grade for overall value. "We just don't quite like the way it drives," Oldham says.

2. Chevrolet Spark

MSRP: $12,270
Five-year estimated insurance cost: $6,030

The Chevrolet Spark - even smaller than its big brother, the Sonic - costs $1,206 to insure annually, and the Spark's 84-horsepower engine offers good fuel efficiency at 31 mpg/city and 39 mpg/highway. The small hatchback also comes standard with some impressive amenities for its price, like four doors instead of two.

"The Spark is a high-value vehicle," Oldham says.

1. Nissan Versa sedan

MSRP: $11,990
Five-year estimated insurance cost: $6,555

The Versa - the U.S. market's lowest-priced 2015 model - costs $1,311 annually to insure.

The subcompact Versa also offers an impressive amount of interior space, while the model's 109-horsepower engine produces 27 mpg/city and 36 mpg/highway.

"The Versa is a good overall package," Oldham says.

Jeep Patriot

MSRP: $16,895
Five-year estimated insurance cost: $5,680

The Jeep Patriot costs about $5,000 more than a Nissan Versa but runs $175 less per year to insure. Buy one of these small crossovers and you'll spend just $1,136 annually for coverage.
Patriots also provide some 20 percent more space than Versas do, as well as 158 horsepower (49 more than what the Nissan offers).
While an entry-level Patriot only offers a fair 23 mpg/city and 30 mpg/highway, Oldham says the model "shows why you should always look into insurance costs with any vehicle in any class. The more-expensive vehicle might be less expensive to insure."