10 cars you really don't want to buy insurance for Since the first auto insurance policy was written in 1897, for drivers, paying for car insurance has become an unavoidable expense. Averages are based on full coverage for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. lthough, the fun Jeep Wrangler Sport 4WD came out as the cheapest car to insure with an average annual premium of just $1,134, other car owners weren't so lucky.