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Of the 18 models we found that hit the 40-mpg mark in either EPA city or highway tests, 15 carry the Insurance Institute for ...
Highway Safety’s “Top Safety Pick” designation, a seal of approval that eventually finds its way into car insurance rates.
An IIHS Top Safety Pick earns a mark of “Good” in high-speed front and side crash tests, rollover tests, and prevention of head and neck injuries in rear crashes. It must offer electronic stability control. It’s important to remember that “Good” is a relative measure -- no small and light car, however stout, will outduel something twice its size.
Yet the combination of safety and fuel economy isn’t the pricey proposition it used to be. You expect, of course, that hybrid cars and diesels should make the list, and they do. (In fact, the Chevrolet Volt gets not one but two EPA ratings, because its option of electric or gasoline power makes traditional measurements pointless.)
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But a number of much cheaper, gasoline-only cars have begun to hit the magic numbers.
Take a look at the IIHS safety ratings for minicars. Only two of them make our 40 mpg list. And only one, the Ford Fiesta, gets a “Top Pick” designation. Rivals such as the Honda Fit and Toyota Yaris not only don’t get 40 mpg, they don’t make the IIHS list, either. The difference? The Fiesta is a newer design.
The same holds true in the small-car class, home to the Chevrolet Cruze, Ford Focus, Honda Civic and Hyundai Elantra: If it’s new enough to have been tuned to get 40 mpg, it’s been engineered to ace the crash tests as well.
There’s no point in saving money at the gas pump, however, if you have to give it back to the insurance company. We compared online quotes for each car for a hypothetical young driver, a 22-year-old San Diego male with a ticket. The cheapest? The Fiesta, at $1,052 about $556 a year cheaper than a Smart ForTwo.
The chart below reflects mileage for 40-mpg models as calculated by the EPA, the least expensive annual auto insurance quote from CarInsurance.com’s comparison tool, and its standing with the IIHS. The Hyundai Accent figures in the chart are for a 2011 model; a redesign is reaching showrooms now.
| Model | City | Hwy | Premium | IIHS Pick? | Class |
| Chevrolet Cruze Eco | 28 | 42 | $1,114 | Yes | Small |
| Chevrolet Volt | 95 | 90 | $2,282 | Yes | Small |
| Ford Fiesta | 29 | 40 | $1,052 | Yes | Minicars |
| Ford Focus | 28 | 40 | $2,082 | Yes | Small |
| Ford Fusion Hybrid | 41 | 36 | $1,240 | Yes | Midsize |
| Honda Civic Hybrid | 44 | 44 | $1,160 | Yes | Small |
| Honda Civic HF | 29 | 41 | NA | Yes | Small |
| Honda Insight | 40 | 43 | $1,142 | No | Small |
| Hyundai Accent | 30 | 40 | $1,154 | No | Minicars |
| Hyundai Elantra | 29 | 40 | $1,746 | Yes | Small |
| Hyundai Sonata Hybrid | 35 | 40 | $1,186 | Yes | Midsize |
| Lexus CT 200h Hybrid | 43 | 40 | $1,262 | Yes | Small |
| Lincoln MKZ Hybrid | 41 | 36 | $1,578 | Yes | Midsize |
| Nissan Leaf | 106 | 92 | $1,302 | Yes | Small |
| Smart ForTwo | 33 | 41 | $1,608 | No | Microcars |
| Toyota Prius | 51 | 48 | $1,168 | Yes | Small |
| Volkswagen Golf TDI | 30 | 42 | $1,542 | Yes | Small |
| Volkswagen Jetta TDI | 30 | 42 | $1,206 | Yes | Midsize |
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