Cheapest Cars to Insure in 2025

Call out the cheapest cars to insure, noting and linking to the winners. Note this is based on the 34 top selling models in the past year. Give plausible explanation for differences.

Write a section about the 100 cheapest to insure among all models. Note that some are older models that are out of production but make sure to note the cheapest that are stillin production.

Write about the cheapest cars to insure for new drivers, making sure to hit young and teen keywords. Note its for 34 most popular models.

Write content describing the cheapest used car models to insure, noting that the data is for 2015 car models available, limited to top 20.

Compact SUVs and minivans are the cheapest to insure, with average annual premiums ranging from $1,400 to $1,600. Sedans and midsize SUVs 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, but EV insurance rates are beginning to drop as they become more common. Use the table below to compare average insurance costs by car type.

Choosing a car that's affordable to insure starts before you step onto the dealer lot. The right vehicle can save you hundreds or even thousands of dollars annually on insurance premiums, making it one of the smartest financial decisions you can make when car shopping. By targeting vehicles with strong safety records, reasonable repair costs and low theft rates, you can find the cheapest cars to insure without sacrificing quality or features.

Finding the cheapest cars to insure involves more than just choosing the right vehicle. Smart discount strategies can reduce your premiums substantially, making even moderately priced cars among the cheapest cars to insure for your specific situation.

Insurance companies use certain algorithms to assess risk, and your vehicle is one of the biggest factors in determining your premium. Each car has a different risk profile based on historical data about accidents, theft rates and repair costs. This means two identical drivers can pay vastly different premiums simply because they drive different vehicles.

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 Mazda CX-5 ($364 per year) and Subaru Forester ($367 per year) having the most affordable premiums due to their excellent safety ratings and reasonable repair costs. Compact SUVs and minivans have the lowest rates ($1,400 to $1,600 annually). 

Your personal factors, such as driving record, credit score and location, 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 impact your car insurance costs.

Finding the cheapest car to insure means understanding how insurance companies price different vehicles, and most car buyers don't realize how much their choice affects their monthly premiums. We designed this analysis to help you identify models that won't break your budget on insurance costs.

Our Data Collection Process

We gathered quotes from Quadrant Information Services to provide real-world premium estimates across multiple insurers and vehicle types. Our analysis covered 83,056 quotes from 46 insurance providers across 473 ZIP codes nationwide, giving us comprehensive rate data for different car models. 

Sample Driver Profile

Insurance companies evaluate risk differently for each driver, so we used a consistent profile to compare vehicles fairly:

• 40-year-old male
• Clean driving record
• 12,000 miles driven annually

This profile represents average risk factors that won't skew results toward high-risk or exceptionally low-risk scenarios. We adjusted calculations based on factors like age, driving history, location and annual mileage that affect how insurers price different vehicles.

Coverage Levels We Analyzed

Your coverage choice impacts costs, so we focused on two key scenarios:

Full Coverage Analysis: We calculated rates using comprehensive and collision coverage with $1,000 deductibles plus 100/300/100 liability limits. This represents the solid financial protection most drivers need:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Why These Coverage Levels

Full coverage with $1,000 deductibles balances affordable monthly premiums with reasonable out-of-pocket costs if you file a claim. The 100/300/100 liability limits provide substantial financial protection beyond most states' minimum requirements. 

State minimum coverage varies by location but includes only basic liability coverage, the least expensive option that offers minimal financial protection.

This methodology helps you compare true insurance costs across vehicle types so you can choose a car that fits both your transportation needs and insurance budget.