Car insurance rates are on the rise across the U.S, leaving Minnesota drivers searching for ways to save money. Insure.com analysts uncovered 13 vehicles that offer the cheapest insurance rates.

If your car isn’t on Insure.com’s list, we’ll cover some tips you can use to keep your auto insurance costs lower. 

Finding the Cheapest Cars To Insure 

Insure.com compares car insurance rates across all 50 states each year.

Their analysts collected quotes from major car insurance companies and average premiums to compile a ranked list of vehicle insurance costs for 2024. 

1: Honda HR-V

The Honda HR-V costs an average of $139 per month to insure.

This smaller SUV features a five-star safety rating from the NHTSA and low horsepower, making it less expensive to insure compared to other vehicles. 

2: Mazda CX-30

It costs about $1679 per year, or $140 each month, to insure a Mazda CX-30.

As a crossover SUV, the Mazda CX-30 offers a lower profile than regular SUVs and has a five-star safety rating. 

3: Chevrolet Trailblazer

To insure a Chevrolet Trailblazer, you can expect to spend about $140 per month.

The Trailblazer is a crossover SUV with relatively low horsepower and good safety and reliability ratings. 

4: Chevrolet Express 2500 Cargo Van

If you’re in need of a cargo van, the Chevrolet Express 2500 is the cheapest to insure.

It costs $1,685 per year or about $140 per month. 

5: Kia Seltos

The Kia Seltos is a small SUV with a four-star safety rating from the NHTSA.

Its low horsepower and compact size help keep its insurance costs down to an average of $141 per month. 

6: Ford Transit Connect Cargo Van

According to Insure.com’s analysis, the Ford Transit Connect Cargo Van costs $141 per month to insure. Considered a “city van,” the Ford Transit Connect is smaller than standard cargo vans.

Ford intends to discontinue it, making 2023 models the last available. 

7: Ford Transit Connect Passenger Wagon

The Ford Transit Connect Passenger Wagon costs $142 per month to insure. It’s similar to the Ford Transit Connect Cargo Van but has seven passenger seats built in.

Like the Connect Cargo Van, Ford is not building new Passenger Wagon models as of 2024. 

8: GMC Savana Cargo Van

Insuring a GMC Savana Cargo Van costs $143 per month on average.

The Savana Cargo Van is a full-size cargo van that can accommodate up to 2,500 pounds or 15 passengers, depending on the configuration. 

9: Hyundai Venue

You can insure a Hyundai Venue for $143 per month.

The Venue is a low-horsepower compact SUV that seats up to five. 

10: Honda CR-V

The Honda CR-V offers top-notch safety ratings, great visibility, and low horsepower.

Together, these features make it especially affordable to insure at $144 per month. 

11: Volkswagen Tiguan

The Volkswagen Tiguan costs an average of $144 per month to insure.

The Tiguan has a four-star safety rating and offers Volkswagen’s “IQ.Drive,” a safety-enhancing technology package. 

12: Chevrolet Express 2500 Passenger Van 

The Chevrolet Express 2500 Passenger Van is exactly like the Chevrolet Express 2500 Cargo Van, except that it can hold up to 15 passengers.

On average, it costs $145 per month to insure it. 

13: Toyota Corolla Cross 

The Toyota Corolla Cross costs an average of $145 per month to insure.

As a compact SUV, it offers good visibility, lower horsepower, and excellent safety ratings, all of which help decrease the cost to insure it. 

Rising Rates 

According to CNN, car insurance rates jumped 22% between February 2023 and February 2024.

The last time car insurance rates rose that much in a year was in 1976. 

Behind the Increase 

Insurance companies say the increase in car insurance is due to a number of factors, including a rise in severe auto accidents and rising repair costs.

They also note that the increase isn’t universal.

It’s far worse in some states, like Nevada, which saw a 38% increase in average rates.  

Saving on Car Insurance

Though some states are seeing more of a car insurance rate hike than others, the vast majority of Americans have had to stomach some sort of car insurance increase over the last year.

While price increases are a fact of life, there are things drivers can do to limit the price hikes. 

Shopping around for a new car insurance quote might be the best way to keep your costs down. Insurance companies are competitive, and shopping can incentivize them to give you a better deal. 

Increase Deductible

If you can afford it, consider increasing your deductible from $500 to $1,000.

According to consumer reports, doing so can save you up to 25% on premiums.

Of course, if you can’t afford $1,000 in the event of a crash, increasing your deductible isn’t a good idea. 

Drop Comprehensive

If your car is older, dropping your collision and possibly your comprehensive coverage might be a good idea.

When your premium is more than 10% of the car’s value, considering this change makes sense, and it will save you a lot of cash. 

Take a Defensive Driving Course

Certain insurance companies will lower your insurance rates if you take a defensive driving course.

On average, the rate will drop about $200 per year, and you may have to take the course every few years to keep the rate drop active. 

Report Low Mileage

If you drive your car less than 10,000 miles per year, you should report your mileage to your car insurance company.

Driving less than 10,000 miles can lower your premium, and some insurance providers offer verified mileage programs that will save you even more money. 

Bundle When It Makes Sense

It doesn’t always work, but if you can bundle your home and auto insurance with one company, you may qualify for a discount.

While many companies advertise bundled savings, you should still shop around for both policies, as sometimes you can lower your costs further by keeping your home and auto policies separate. 

Pay Out-of-Pocket  

If you get into a small fender bender, it might be better to keep your insurance out of the loop.

Some states require you to file a police report if you collide with another vehicle, in which case, your insurance company will learn about the accident regardless.

However, if you don’t have to report the accident and can pay out of pocket, you may be able to avoid a rate increase. 

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If you’re from Virginia and looking to indulge in a buffet experience beyond the familiar Golden Corral, you’re in luck.

The Old Dominion boasts a variety of buffet restaurants that cater to diverse tastes and preferences.

From succulent seafood spreads to authentic international cuisines, here are some top buffet spots in Virginia that promise a memorable dining adventure.

Wood Grill Buffet

Located in Harrisonburg, the Wood Grill Buffet offers a vast selection of American comfort foods.

Diners can enjoy premium steaks, chicken, and seafood, all prepared fresh daily to ensure optimal flavor.

The Wood Grill Buffet’s inviting atmosphere makes it an excellent spot for families, couples, and solo diners alike.

Whether you’re craving a hearty meal or a light bite, the variety here caters to all appetites. The restaurant’s commitment to quality and freshness has made it a beloved dining destination in the area.

Captain George’s Seafood Restaurant

For seafood enthusiasts, Captain George’s in Virginia Beach is a must-visit. This buffet is renowned for its extensive seafood selection, including fresh oysters, mussels, and their famous crab legs.

Beyond seafood, Captain George’s also offers classic steaks and a variety of sides to complement your meal.

The elegant setting and attentive service enhance the dining experience, making it ideal for special occasions or a lavish night out.

With a reputation for quality and variety, Captain George’s ensures a seafood feast to remember.

Genghis Khan Mongolian Bar-B-Q

If you’re in Norfolk and seeking a unique dining experience, Genghis Khan Mongolian Bar-B-Q offers a delightful twist on traditional buffets.

Guests can craft their own stir-fry dishes, selecting from a variety of fresh meats, vegetables, and sauces, which are then cooked to perfection on a large flat-top grill.

The casual and friendly environment makes it a great spot for gatherings with friends and family.

Best of all? Affordable pricing and a diverse food selection ensure a satisfying experience for all.

Sō Korean BBQ

Located in Centreville, Sō Korean BBQ brings the rich flavors of Korean cuisine to Virginia. This bustling restaurant offers traditional Korean barbecue, where diners can grill their own meats at the table.

The all-you-can-eat menu includes a variety of marinated meats like bulgogi and galbi, as well as an array of banchan (side dishes) to complement your meal.

Sō Korean’s lively atmosphere and interactive dining make it a fun experience for both newcomers and aficionados of Korean food.

Pair your meal with traditional beverages like soju for a complete culinary adventure.

Yukai Buffet

For those in Virginia Beach craving a mix of sushi and seafood, Yukai Buffet stands out as the largest sushi and seafood buffet in the area.

With over 40 different kinds of sushi, sashimi, and rolls, alongside more than 100 hot entrees, salads, and desserts, there’s something for almost everyone.

The buffet also features a hibachi grill and offers all-you-can-eat crab legs during dinner and on weekends.

Yukai’s modern decor and spacious seating make it suitable for both casual lunches and celebratory dinners.

Their commitment to quality ensures that each dish is prepared with the freshest ingredients.

Great American Buffet

With locations in Manassas and Fredericksburg, Great American Buffet offers an expanded selection of hot and cold dishes. Their buffet includes soups, carving stations, and a diverse dessert bar, all unlimited for your dining pleasure.

The family-friendly environment and wide variety of options make it a great choice for gatherings and celebrations.

Whether you’re in the mood for classic American dishes or exploring new flavors, Great American’s buffet caters to diverse palates.

Their mission to provide high-quality food at an outstanding price has made them a favorite among locals.

Chef MaMuSu’s Africanne on Main

For a taste of authentic African cuisine, Chef MaMuSu’s Africanne on Main in Richmond offers a buffet-style dining experience.

The restaurant features a variety of traditional dishes, including sweet fried plantains, chicken meatloaf, and a special mac and cheese.

Chef MaMuSu’s vibrant flavors and unique offerings provide a delightful departure from typical buffet fare.

The cozy setting and friendly service make it a must-visit for those looking to explore diverse culinary traditions. Regulars praise the restaurant for its homestyle cooking and welcoming atmosphere.

Taj Indian Cuisine

Located in Fredericksburg, Taj Indian Cuisine offers a delectable Indian food buffet.

Diners can enjoy an all-you-can-eat lunch buffet featuring traditional dishes, including various curries and sides.

Taj Indian’s rich spices and diverse menu provide an authentic taste of Indian cuisine. The elegant interior and attentive staff enhance the dining experience, making it a favorite spot for both lunch and dinner.

Whether you’re a fan of spicy dishes or prefer milder flavors, this buffet offers something for all Indian food lovers.

Shishkabob Express

For Mediterranean cuisine, Shishkabob Express in Fairfax offers an all-you-can-eat kabob buffet.

The buffet features a variety of meats and side dishes, allowing guests to enjoy authentic Middle Eastern flavors in a casual setting.

From tender grilled lamb and beef kabobs to juicy chicken skewers, the selection is designed to satisfy meat lovers. Each dish is seasoned with traditional spices that highlight the bold and aromatic flavors of Mediterranean cuisine.

In addition to their meat offerings, Shishkabob Express also serves an array of vegetarian-friendly options. Guests can enjoy flavorful hummus, baba ganoush, tabbouleh, and freshly baked pita bread.

The relaxed ambiance and affordable prices make this buffet an excellent choice for families, groups, or anyone craving a Mediterranean feast.

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When the power goes out, the grocery shelves are bare, or something unexpected shuts down everyday life in Alaska, preppers aren’t panicking—they’re prepared.

Having the right gadgets in your survival kit can make a huge difference when it comes to staying safe, fed, and informed.

Whether you’re getting ready for a weather event, a blackout, or the zombie apocalypse (hey, anything’s possible), these tools are just too smart to ignore.

Solar-Powered Battery Bank

When the grid goes down, your phone, flashlight, or radio won’t mean much if the batteries are dead. That’s where a solar-powered battery bank becomes a prepper’s best friend.

You just leave it in the sun, and it charges up without needing a wall outlet. Some of them even have built-in flashlights or wireless charging pads to make life even easier.

The best ones come with multiple USB ports, so you can charge a phone, a power tool, and a mini fan all at once. Look for waterproof models with at least 20,000 mAh capacity. That means it can charge your smartphone several times before it needs more sunlight.

In a long-term crisis, solar power is one of the only sources of free energy you can count on. It may not run your refrigerator, but it’ll keep your communication devices and lights alive when you need them most.

Hand-Crank Radio With NOAA Alerts

Sure, music is nice. But in an emergency, a hand-crank radio can literally save your life.

These radios don’t need batteries or outlets—you just crank them to charge. Even better, many of them pick up NOAA weather alerts, emergency broadcasts, and local updates.

That way, you’ll know if a storm’s coming or if you need to shelter in place.

Some hand-crank radios also double as flashlights and phone chargers. A few even come with solar panels for backup charging. Look for models that are compact, durable, and water-resistant, so they’re ready to roll no matter what the weather looks like outside.

When the internet’s down and you can’t scroll your way through news updates, having a working radio could mean the difference between heading toward danger or steering clear of it.

Portable Water Filter or Purifier

If you don’t have clean water, it doesn’t matter how much food or gear you’ve packed—you’re in trouble.

Water filters and purifiers are some of the most important gadgets in a survivalist’s stash. They can take dirty water from rivers, lakes, or even puddles and make it safe to drink.

There are lots of different types, but straw filters like the LifeStraw are popular because you can drink straight from the source. Others, like pump or gravity filters, clean bigger batches at once.

Then there are UV purifiers that use light to kill bacteria and viruses—those are great too, but they usually need batteries or solar power.

No matter which kind you choose, a reliable water purification tool can keep you hydrated when bottled water is long gone. It’s not just about taste—it’s about avoiding serious illnesses when help may not be nearby.

Multi-Tool With Built-In Pliers

In a crisis, there’s no time to go searching for a screwdriver, scissors, or can opener. A good multi-tool puts all of those in one place—right in your pocket.

These compact gadgets usually include pliers, knives, saws, bottle openers, screwdrivers, and wire cutters, all folded into one device.

Leatherman and Gerber are some of the top names when it comes to quality multi-tools, but there are plenty of affordable versions that still do the job. Just make sure it’s made from stainless steel, so it won’t rust or break easily when you really need it.

Multi-tools are the kind of item that turns you into a DIY pro in a survival situation. Whether you’re fixing shelter, opening cans, or cutting rope, you’ll be thankful you have it within reach.

LED Headlamp With Rechargeable Battery

When it gets dark—and we’re talking really dark—you’re going to need your hands free. That’s why preppers love LED headlamps.

Unlike flashlights, they strap right to your forehead so you can cook, fix gear, or navigate the woods without juggling a light in one hand.

Look for headlamps that are waterproof and have adjustable brightness. Some even have red or green lights, which won’t mess up your night vision.

And make sure it’s rechargeable so you’re not stuck hunting down batteries when supplies are low.

Compact Camping Stove or Rocket Stove

If the power’s out, how are you going to cook?

A compact camping stove or rocket stove can boil water, fry food, and heat up soup even when there’s no electricity or gas.

These gadgets run on fuel like propane canisters or sticks and twigs—whatever you have handy.

Rocket stoves burn small amounts of wood while still producing a lot of heat. That makes them ideal for cooking without wasting your fuel.

Emergency Power Station

This one’s kind of like a giant battery bank on steroids. Emergency power stations are portable units that can power appliances, charge electronics, and keep important gear running during a blackout.

Some run on solar panels, while others can be recharged from a wall or car outlet before an emergency hits.

They’re more expensive than the other gadgets on this list, but they’re also incredibly helpful—especially if you rely on medical equipment or want to power a mini-fridge or fan.

Many of them come with outlets, USB ports, and even car jumper cables.

In a long-term emergency, emergency power stations can be a total game-changer.

Personal Water Heater or Kettle

Boiling water isn’t just about making tea—it’s also about staying clean and safe.

Whether you’re sanitizing gear or washing up after a long day, a small electric kettle or battery-powered water heater can be a huge help.

Some portable versions run on car outlets or emergency power stations.

You can use personal water heaters for sponge baths, cooking dehydrated meals, or thawing out cold hands. It’s a small luxury that makes a huge impact.

Emergency Blanket or Bivy Sack

You wouldn’t think a thin sheet of foil could save your life, but it totally can. Emergency blankets, also known as space blankets, reflect body heat and help keep you warm even when it’s cold out.

They’re lightweight, waterproof, and small enough to fit in a pocket.

If you want to upgrade a little, get a bivy sack. It’s like a tiny sleeping bag made out of the same heat-reflective material. You can climb inside and stay much warmer than you would just wrapped in a blanket.

They might not be the comfiest thing you’ll ever sleep in, but they can keep you from getting hypothermia. That’s why preppers stash them in cars, bug-out bags, and emergency kits.

Portable Water Storage Bladder

When clean water’s available, you want to store as much of it as you can. That’s where a water storage bladder comes in. These collapsible containers can hold several gallons and don’t take up much room when empty.

Some even come with spouts or handles for easy pouring.

And since they’re flexible, you can shove them in odd corners of your trunk or bug-out bag. It’s way easier than trying to carry around a dozen water bottles.

When the tap runs dry or the power’s out, having stored water means you can still drink, cook, and clean for days without having to find more.

It’s a quiet prepper secret that pays off big time.

Gas Leak Detector or Carbon Monoxide Alarm

When you’re stuck indoors with a generator or using a camp stove inside a tent, it’s not just about staying warm—it’s about staying alive.

Carbon monoxide is odorless and deadly. That’s why having a portable CO detector or gas leak alarm is a smart move.

There are compact, battery-powered versions that fit in your bag and beep loudly if they detect danger. Some models even detect propane leaks, which is helpful if you’re using a gas stove inside your shelter or RV.

Most folks don’t think of air quality when prepping, but these little gadgets can save your life. If you’re using anything that burns fuel, these are non-negotiable.

Tactical Flashlight With SOS Mode

Forget regular flashlights—tactical flashlights are brighter, tougher, and smarter. The best ones are made from aircraft-grade aluminum, are water-resistant, and include special modes like strobe and SOS signaling.

They run on rechargeable batteries and can light up a wide area or focus into a narrow beam for signaling or spotting something far off.

Some even double as glass breakers or self-defense tools.

If you get injured or need to signal help in the dark, that blinking SOS light can be seen from miles away. Preppers never trust just one light source, and this one checks all the boxes.

Portable Solar Lantern

A good lantern lights up your entire space—not just a small spot like a flashlight does.

Portable solar lanterns are perfect for emergencies because you don’t need batteries or electricity. Just let them soak up some sunlight during the day, and you’ve got bright, clean light at night.

Some of the best ones fold flat, making them super easy to pack in a backpack or glove box. Others come with handles for hanging in a tent or carrying around like an old-school lantern.

Look for a portable solar lantern with multiple brightness settings and USB charging as a bonus feature.

It’s safer than an open flame, lasts longer than most flashlights, and works night after night with no extra fuel.

Portable Camp Shower

Being clean during a crisis isn’t just about comfort—it’s about staying healthy.

A portable camp shower is basically a bag you fill with water, hang up, and let gravity do its thing. Some even have little nozzles and hoses for a more “real shower” feel.

There are also solar-heated versions that warm up in the sun. So even when you’re roughing it, you can still enjoy a hot rinse after a long, sweaty day.

It can also help you clean wounds, dishes, or dirty clothes in a pinch.

If you’ve ever gone more than a few days without a shower, you know just how gross it can get.

Wind-Up Flashlight

Sometimes, batteries aren’t an option, and the clouds don’t want to clear. Wind-up flashlights are powered by your own energy—literally. You crank the handle, and the flashlight charges itself.

It may not sound high-tech, but it works every time.

These flashlights are great backups to solar or battery-powered lights. They’re especially handy if you’ve been stuck indoors without sun for a few days.

Many even come with a built-in radio or USB port to power small devices in a pinch.

In a long-term power outage, a wind-up flashlight means you’ll never be left in the dark. It’s one of those gadgets that works just as well on Day 1 as it does on Day 20.

Fire Starter Tool

If your lighters run out or your matches get wet, you’ll need another way to build a fire. That’s why fire starter tools—like ferro rods, magnesium blocks, or waterproof lighters—are essential in any prepper’s kit.

Ferro rods create sparks even when they’re wet, and magnesium blocks shave off tiny pieces of fuel you can light with a spark.

Some even come with a mini compass, whistle, or scraper attached to the handle.

Fire isn’t just for cooking—it keeps you warm, helps you boil water, and scares off wild animals. In a survival situation, having a reliable fire-starting gadget gives you the power to take care of yourself no matter what the weather is doing.

Biometric Safe or Lockbox

If you’re storing medicine, cash, important documents, or self-defense tools, you’ll want to keep them secure. A portable biometric lockbox opens with your fingerprint and keeps everything locked up tight—even if someone tries to pry it open.

Many models are battery-powered but also come with backup keys in case the electronics fail.

They’re great for car trunks, home closets, or RVs. And they add a layer of safety if you have kids around.

You never know what kind of crowd might come around during a crisis. Having a gadget that keeps your most important items safe is just smart prepping.

GPS Device With Offline Maps

When phone signals go out or apps stop working, how are you going to know where you are?

A dedicated GPS device with offline maps gives you real-time location info even when there’s no cell service. Some models are waterproof and shockproof too, made specifically for survival and hiking.

These gadgets often include topo maps, waypoints, and even emergency communication tools, depending on the brand.

Garmin, for example, makes several rugged models that let you send an SOS signal to emergency responders anywhere in the world.

Getting lost in a crisis can be deadly. With a GPS device, you’ll always know where you’re going—and how to get back.

Mini Fridge or Cooler That Runs on Solar

If you need to keep insulin, baby formula, or food from spoiling, a solar-powered cooler or mini fridge is a total game-changer. These gadgets run quietly, don’t need ice, and keep things cold even in the middle of summer.

They plug into portable solar generators or 12V car outlets, and many models have built-in batteries that hold a charge for hours.

Some even let you set the temperature so you can freeze meat or just chill drinks.

They’re especially helpful during heat waves when food safety becomes a real concern.

Motion Sensor Alarm System

If you’re sheltering in place, you need to know what’s going on around you. Portable motion sensor alarms can alert you if something—or someone—is creeping nearby.

Some models use lights, while others make noise or send alerts to your phone.

They’re battery-powered or solar, and a few are small enough to clip onto a backpack or tent pole. Set them up around your perimeter at night for a little added peace of mind.

Even if you’re not expecting trouble, these gadgets let you sleep a little easier.

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