Ready to jump ahead to 2016? This year is flying by and we’re already looking ahead to the new car models to come. If you’re planning to purchase or lease a new 2016 vehicle, don’t forget to first consider how much the car will cost to insure.

While your auto insurance premium is based on a variety of factors, including your own personal driving history, location, and daily mileage, the car’s make and model still have a significant impact.

We decided to figure out which 2016 cars are likely to be the cheapest to insure based on safety, availability of parts, and overall rating. Of course, we took likeability and consumer satisfaction into consideration as well because enjoying the car you drive is equally important.

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Based on the information available to us about 2016 vehicles, here are our top recommendations:

Cheapest High-End Car to Insure:

2016 Acura RLX 

black acura rlx 2016 model

  • Received perfect 5-star scores in NCAP testing (sponsored by NHTSA)
  • Earned high results in all crash-test categories by IIHS
  • Standard Forward Collision Warning System
  • Standard navigation system, AcuraWatch safety system: Road Departure Mitigation and Cross Traffic Monitor
  • Full-size luxury sedan, spacious, available in 6 exterior colors and 3 interiors for personal customization
  • $54,450

The Acura RLX was at the top of our high-end list for cheapest cars to insure. Why? For starters, the safety features are impeccable and standard. No upgrades needed. The vehicle uses optimal technology to help you drive safe, including a Lane Keeping Assist System and Agile Handling Assist to help steer. Road Departure Mitigation alerts you when there are objects in the road that you may not be able to see, and the standard autonomous braking capability helps you brake in time to avoid possible collisions. All of these high-end safety features and hands-free calling with voice recognition will definitely help you save money on car insurance. Auto insurance providers often give increased discounts for extras that keep you safe. More expensive cars do cost more to insure, but with advanced technology and safety features, you are likely able to lower your rate. Acura has high brand loyalty and is a top safety pick, ensuring that your car insurance rate will be affordable.


Cheapest Mid-Priced Car to Insure:

2016 Kia Sorento Crossover SUV 

kia sorento 2016 gray

  • IIHS “Top Safety Pick”
  • Active Handling, Brake Control System, Hill-Start Assist Control, Surround View Monitor, ESC (stability control), Rear Camera display
  • Ample cargo storage,
  • Bluetooth hands-free technology
  • 4-cylinder engine
  • $31,100 for EX

The Kia Sorento is an ideal Crossover SUV option for those who need more space for other passengers or storage.  The vehicle is in the mid-price range and offers a lot of value in terms of power and safety. It has a combined MPG of around 23 and has 3rd-row seats, perfect for a family car. Not to mention the storage capacity of 39 cubic feet which makes this car great for vacations and road trips. We recommend the EX model, which boots a stronger engine with 2.0-liter turbo engine over the standard engine. With the Sorento’s safety technology devices and relatively inexpensive replacement parts, the Kia Sorento is a good choice for those who need a roomy, crossover SUV and are looking to find the cheapest car insurance.


Cheapest Low-Priced Car to Insure:

2016 Chevy Spark 

chevy spark 2016 purple

  • One of two minicars to receive IIHS “Top Safety Pick” for 2015, with ten safety airbags and a steel safety cage to keep you protected
  • Ecotec, high-efficiency engine, 1.4 liter, 4-cylinder engine, 98 horsepower
  • 10 exterior color choices, 40 MPG highway
  • Side Blind Spot Alert, Rear Parking Assist, Rear Vision Camera
  • Hands-free options
  • Ideal city car, updated from 2015 for a sleek, less boxy appearance
  • Expected to sell at around $13,500, final price will be unveiled later this year

The 2016 Chevy Spark is the ideal, affordable mini-car. Out of all the small cars out there, this is one of two that received high safety ratings. If you’re on a strict budget, or just need a small car for tight city streets, then this model is for you. It has a powerful engine for its size and many safety features – Blind Spot Alert, Rear Parking Assist, Rear Camera, Forward Collision Alert, Lane Departure Warning – which will all help keep your car insurance premium low. Not to mention the upgraded, sturdy steel cage with ten standard air bags. Chevy also offers hands-free capabilities with voice pass-through, Wi-Fi, and MyLink, allowing you to control your smartphone through the standard display. Generally, the less expensive the car, the less expensive the insurance premium is. With safety features like these and the availability of replacement parts, the car insurance for this Chevy will be much cheaper than comparable vehicles.

All of these recommendations are based on the dealers that have released their 2016 vehicle information. Some new car models have yet to be released, but for now, these will likely be the cheapest cars to insure in 2016. Happy driving!

Photo Credit (top image): 401(K) 2012Pixabay, Wikimedia (2)