Editor's note: This article first appeared on Insure.com andis reprinted here with their permission. Click here for the original post. Allphotos courtesy of vehicle manufacturers.

Buy one of 2015's lowest-priced cars and you'll not only save abundle at the showroom, but you may pay lower car insurancerates.

That's according to a new analysis by Insure.com, whichlooked at costs for full coverage on more than 1,500 models.Insuring one of this year's 10 least expensive models means asavings of 14% to 24% over the average annual insurance bill for2015 vehicles, which stands at $1,555.

[Related: Many customers shopping for new auto insurance, butfew are switching]

"These are all inexpensive cars that are typically bought bypeople that need 'high-value' transportation. So, anything they cansave—even $100 a year on insurance—can be important," says ScottOldham of car-shopping site Edmunds.com.

Oldham says inexpensive cars generally have smaller insurancepremiums because they cost less to repair or replace followingaccidents.

Kelsey Mays of Cars.com adds that small models typically havesuch low residual values after a few years that savvy owners cansimply drop comprehensive coverage and pay for things likefender-benders out of pocket.

"You can easily self-insure (for vehicle damage) and just haveliability coverage," he says. "That's often not the case withbigger cars."

Cheaper, yes, but cheapest? No

Surprisingly, Insure.com found that only one of 2015'slowest-priced cars also made the list of 2015's least expensive models to insure. Thatlist is otherwise stacked with small crossovers and minivans.

"The typical SUV or minivan driver is older and more careful,and fewer claims mean lower rates," says Robert Beaupre, managingeditor of Insure.com. "It's not just your driving record thatmatters. It's the driving record of everyone who insures thatmodel."

Read on to see how much the lowest-priced 2015 models cost toinsure, starting with the 10th least-expensive—as well as whatyou'll pay to cover one model that costs a little more but boastslower rates than any car on this list.

Some notes on the figures that follow:

• All insurance prices refer to the U.S. average that anunmarried 40-year-old male can expect to pay for coverage if hecommutes 12 miles to work each weekday, has a clean driving recordand good credit. The coverage in these examples is for a"100/300/50" policy ($100,000 injury liability for one person,$300,000 for all injuries and $50,000 per accident for propertydamage), plus collision and comprehensive coverage with $500deductibles.
• Unless otherwise noted, vehicle price figures refer tomanufacturer's suggested retail pricing for each 2015'sentry-level, manual-transmission version (excluding deliveryfees).

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 saysit's a great car to boot. "The Soul is a very nice vehicle," hesays.

The crossover combines a modest price with lots ofmillennial-friendly features, from standard iPod connectivity tooptional streaming Internet radio.

That said, the base Soul's 130-horsepower engine offers a so-so24 mpg fuel efficiency rating in the city and 30 mpg on thehighway.

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

9. Toyota Yaris hatchback

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

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

The base model also offers a fuel-sipping 30 mpg/city and 37mpg/highway, thanks to its modest 106-horsepower engine.

"The Yaris isn't really a standout in its class, but it doesprovide reliable, fuel-efficient transportation," Oldham says.

8. Hyundai Accent sedan

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

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

Base editions feature a number of impressive amenities, fromsatellite radio to Hyundai's industry-leading 10-year/100,000-milepowertrain warranty. The 137-horsepower engine also offers a decent27 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 andcomes with some upscale amenities, from voice-activated controls toa six-speaker sound system. Entry-level Fiestas also have a120-horsepower engine that gets a respectable 28 mpg/city and 36mpg/highway.

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

6. Chevrolet Sonic sedan

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

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

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

On the downside, the model's 138-horsepower engine offers only26 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 sameprice. There's a small difference in insurance rates though. You'llspend $1,347 a year insuring the sedan version or $1,323 coveringthe hatchback. The base Rio's 138-horsepower engine also comes inat 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, becauseinsuring one will run you only $1,186 annually.

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

On the downside, base Fortwos combine scant interior space withamenities so spartan that even cruise control costs extra.

While the model's 70-horsepower engine and automatictransmission (technically an "automated manual") produce a solid 34mpg/city and 38 mpg/highway, Oldham says the car doesn't offer aparticularly good ride.

"The Fortwo is neither the most practical vehicle nor thebest-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 ayear to insure and also come with some features rare for bargain2015s, from power windows to a rear spoiler. The Mirage's74-horsepower engine also gets an impressive 34 mpg/city and 42mpg/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, theSonic—costs $1,206 to insure annually, and the Spark's84-horsepower engine offers good fuel efficiency at 31 mpg/city and39 mpg/highway. The small hatchback also comes standard with someimpressive amenities for its price, like four doors instead oftwo.

"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 ofinterior space, while the model's 109-horsepower engine produces 27mpg/city and 36 mpg/highway.

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

One more to consider: Jeep Patriot

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

The Jeep Patriot costs about $5,000 more than a Nissan Versa butruns $175 less per year to insure. Buy one of these smallcrossovers and you'll spend just $1,136 annually for coverage.

Patriots also provide some 20% more space than Versas do, aswell as 158 horsepower (49 more than what the Nissan offers).

While an entry-level Patriot only offers a fair 23 mpg/city and30 mpg/highway, Oldham says the model "shows why you should alwayslook into insurance costs with any vehicle in any class. Themore-expensive vehicle might be less expensive to insure."

Beyond the bottom line

You probably shopped at more than one car dealership when youbought your last new ride.

While the vehicle model is one factor in how much you pay inpremiums, there are numerous others, and not all carriers weighthem the same way when calculating rates. The cost differencesbetween companies over the life of a car can be hundreds—or eventhousands—of dollars.

Getting a few carinsurance quotes can help ensure you don't overpay forcoverage on your new vehicle. After all, it makes no sense tochoose one of today's least expensive cars only to blow yoursavings on costly premiums.

Additional information

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