Cheapest Cars to Insure in 2025

The cheapest cars to insure in 2025 are the Subaru Forester and the Subaru Outback, with annual premiums of $1,035 and $1,049 through Nationwide.

Nationwide’s Forester rate is 28% lower than the average compact SUV, helped by its high safety ratings and recognition as a 2024 IIHS Top Safety Pick. Meanwhile, the Outback saves drivers 35% compared to the national average for sedans, making it another strong value pick. Use the table below to explore the cheapest cars to insure by make, model, vehicle type and insurer.

The Subaru Forester and Mazda CX-5 are the cheapest SUVs to insure. Nationwide covers both at $1,035 and $1,071 per year. 

Compact SUVs like these cost less to insure than standard or luxury models — saving you about $100 annually compared to midsize SUVs and up to $500 compared to high-end models. Despite their size, SUVs often have strong safety records and lower repair costs, which helps keep premiums down.

The Subaru Outback and Subaru Legacy are the most affordable sedans to insure with Nationwide at $1,049 and $1,157 per year. 

While rates vary by model, SUVs are cheaper to insure than sedans. That's partly because larger vehicles are generally safer. The Highway Loss Data Institute found that SUVs have lower bodily injury claim rates than smaller cars. If insurance savings matter, size could work in your favor.

The most affordable pickup trucks to insure are the Nissan Frontier with State Farm at $1,121 per year and the Toyota Tacoma with GEICO at $1,144. 

Truck insurance costs vary more by model than by size. For instance, the Toyota Tacoma is cheaper to insure than the Subaru Legacy sedan, though they fall under different categories. While pickups cost more upfront, models like the Frontier and Tacoma can help you save on premiums — just be sure to factor insurance into your total cost of ownership.

The most affordable sports cars to insure are the Chevrolet Corvette with Nationwide at $1,221 per year and the Ford Mustang Mach E with GEICO at $1,251. Sports cars typically come with higher insurance premiums.

Their speed-focused design increases accident risk, and costly parts make repairs more expensive — both of which drive up liability and collision coverage rates. To get the cheapest sports car insurance, compare quotes from at least three providers using similar coverage levels. Insurers evaluate risk differently, so your cheapest option may not be the same as someone else's.

The most affordable electric cars to insure are the Chevy Bolt at $1,237 per year with State Farm and the Nissan LEAF at $1,247 with Travelers. 

The cost to insure an electric car is now nearly on par with gas-powered vehicles — both average about $1,600 annually. While EV insurance may still be slightly higher in some cases, fuel savings, lower maintenance and government incentives can make up the difference.

The cheapest used cars to insure are the MINI Cooper at $888 per year and the Hyundai Elantra at $891 through State Farm. 

Insurance for used cars is usually hundreds of dollars cheaper than for new models. On average, covering a 10-year-old vehicle like a Ford F-150 is about 16% cheaper than a new one.

Compact SUVs and minivans are typically the cheapest to insure, with average annual premiums ranging from $1,400 to $1,600. Sedans and midsize SUVs usually sit in the midrange. Luxury vehicles can cost over $3,000 per year to insure.

Sports cars and luxury EVs tend to be the most expensive overall — though EV insurance rates are beginning to drop as they become more common. Use the table below to compare average insurance costs by car type.

Every car insurance company has a unique way of calculating rates. You'll get different quotes for the same coverage, even with the same car and driving history. Always compare rates from multiple companies to find the best deal for you.

Vehicle selection impacts insurance costs, with the Subaru Forester ($86/month) and Outback ($87/month) having the most affordable premiums due to their excellent safety ratings and reasonable repair costs. Compact SUVs and minivans typically have the lowest rates ($1,400 to $1,600 annually).

Your personal factors — driving record, credit score and location — often influence premiums more than vehicle type. To maximize savings, compare quotes from multiple insurers and consider bundling policies. For older cars, evaluate whether comprehensive coverage remains cost-effective based on the vehicle's current value.

Choosing the right car can significantly impact your car insurance costs. MoneyGeek answered common questions about finding the cheapest car to insure:

MoneyGeek gathered quotes from Quadrant Information Services to provide the list of the cheapest cars to insure. It helps you make informed decisions by giving you a real-time estimate of your potential premiums.

Study Overview

A MoneyGeek analysis of state and national auto insurance rates was conducted for consumers seeking affordable, quality car insurance. We also calculated the cheapest premiums for different car models based on a sample driver profile for selected insurance companies and coverage types.

Data Sources and Depth

We collected key information about auto insurance from Quadrant Information Services. MoneyGeek analyzed 83,056 quotes from 46 insurance providers across 473 ZIP codes.

Driver Profile

Using an average driver profile with the following qualities, MoneyGeek calculated rates for auto insurance premiums:

• 40-year-old male
• Clean driving record
• 12K miles driven annually

This profile was adjusted based on factors such as age, driving history, state and ZIP code, average mileage and more that affect premiums.

Coverage Levels and Deductibles Explained

Your insurance rates are also affected by the level of coverage you choose.

It is more expensive to purchase full coverage, which includes liability, comprehensive and collision coverage. Still, it offers the greatest financial security because it covers damage to your vehicle. For comprehensive and collision coverage, you have a deductible — often set at either $500 or $1,000 — that you must pay before the insurance company pays to repair or replace your vehicle. The higher your deductible, the lower your cost for these optional coverages.

A state's minimum coverage policy offers the least protection for the lowest price. It usually includes liability coverage for bodily injury and property damage. Liability coverage does not have a deductible.

To calculate the national average automobile insurance rate, MoneyGeek used a full coverage policy with comprehensive and collision coverage — each with a $1,000 deductible — and 100/300/100 liability limits.

100/300/100 stands for the following:

• $100K bodily injury liability per person
• $300K bodily injury liability per accident
• $100K property damage liability per accident