Some of the cheapest cars for teens to insure are: Chrysler PT Cruiser 4 door wagon, Saturn ION 1 4 door sedan, Pontiac Sunfire 2 door coupe, or Jeep Liberty Sport 4 wheel drive 4 door SUV. Insurance rates depend on where you live, how often and distance your son or daughter will be driving. Before buying a car you should keep in mind the car's reliability, safety and of course, the price. The
. smaller the car, the higher the death rate and therefore the higher the insurance premium. But the cheaper the car, the cheaper the insurance.