Don't let the list scare you; insurance cost isn't necessarily a reflection of safety.

A safe car is not necessarily the cheapest car to insure. The car itself could also be expensive or just expensive to repair after an accident, which would increase insurance costs.

But a high rate is a red flag to ask a few questions. For instance, if a car has a lot of horsepower and is involved in a lot of crashes, that can also send insurance rates up, even if the car itself is relatively inexpensive.

So if you're getting ready to buy your teenager that dream model and the insurance rate comes back sky high, it may be a tip that it's time to search for another make and model.

Here is the Least Expensive Cars to Insure

Just as with the most costly picks, a variety of reasons can land a vehicle on the least expensive list. For instance, the Volvo XC90 and Chevy station wagon that make the top of the "best" list are "likely to be family vehicles, driven differently than the vehicles on the "worst" list," Rader says. And the Ford Thunderbird, he says, "tends to be a second or third car and is not driven as often."

Does the color of my car have anything to do with my insurance rates?

NO, its an “old –wise” tale.

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