Cheapest Insurance Cars: Your Ultimate Guide to Affordable Auto Coverage in 2025

When you’re looking to save on car expenses, car insurance is one of the best places to start. The cost of insurance is influenced by several factors, and one of the most important is the type of vehicle you own. Some cars are simply cheaper to insure than others because of their safety ratings, repair costs, and overall risk to the insurer.

Choosing a car with affordable insurance rates can save you a lot of money over time. If you’re looking for the cheapest insurance cars, you’ll want to understand the factors that affect premiums and the best options available in 2025.

For more information on which cars have the cheapest insurance rates, check out resources like Bankrate and Progressive, which offer detailed reviews and breakdowns on how different vehicles fare when it comes to insurance costs.

Factors That Affect Car Insurance Costs

Understanding the factors that affect your car insurance premiums is essential for choosing a vehicle that will save you money. These are the most common elements insurers consider when calculating rates:

Car make and model: Luxury or high-performance cars tend to have higher insurance premiums.
Vehicle price: The more expensive your car is, the higher the repair or replacement costs, which leads to higher insurance premiums.
Safety features: Cars equipped with advanced safety technology, like airbags and anti-theft systems, typically cost less to insure.
Repair costs: Cars that are easier and cheaper to repair generally have lower insurance costs.
Location: Where you live plays a major role, as areas with higher crime rates or traffic congestion tend to increase premiums.

By understanding these factors, you can make a more informed decision when selecting your next car, aiming for one that is both cost-effective and affordable to insure.

Top 10 Cheapest Cars to Insure in 2025

Below are some of the cheapest cars to insure for 2025. These vehicles provide a combination of low repair costs, great safety features, and affordable premiums:

1. Subaru Outback

Average annual insurance cost: $2,227
The Subaru Outback is known for its durability and safety features, which contribute to its low insurance costs.
Why it’s affordable: Affordable repair costs and excellent crash-test ratings.

2. Honda CR-V

Average annual insurance cost: $2,262
A popular compact SUV, the Honda CR-V offers great reliability and safety features.
Why it’s affordable: Low repair costs and excellent safety ratings make it a favorite for insurers.

3. Toyota Tacoma

Average annual insurance cost: $2,377
This compact truck combines strength with relatively low insurance costs due to its safety features.
Why it’s affordable: Less expensive to repair compared to larger trucks.

4. Subaru Forester

Average annual insurance cost: $2,265
Subaru’s reputation for safety makes the Forester one of the cheapest cars to insure.
Why it’s affordable: Excellent safety ratings and low theft rates.

5. Hyundai Palisade

Average annual insurance cost: $2,350
A midsize SUV that combines affordability and advanced safety features.
Why it’s affordable: Good safety ratings and lower repair costs.

6. Toyota RAV4

Average annual insurance cost: $2,292
This compact SUV is reliable and features low-cost repairs.
Why it’s affordable: Great safety features and low risk of theft.

7. Nissan Rogue

Average annual insurance cost: $2,175
The Nissan Rogue is an affordable and efficient compact SUV with a great reputation.
Why it’s affordable: Low repair costs and a strong safety record.

8. Ford Escape

Average annual insurance cost: $2,271
The Ford Escape is a practical crossover with excellent safety features.
Why it’s affordable: Great safety features and low maintenance costs.

9. Kia Forte

Average annual insurance cost: $2,161
This compact sedan is affordable and highly reliable, making it an ideal choice for those looking to lower insurance premiums.
Why it’s affordable: Low repair costs and great crash-test results.

10. Honda Civic

Average annual insurance cost: $2,140
Known for its efficiency and reliability, the Honda Civic remains one of the most popular vehicles for low insurance costs.
Why it’s affordable: Excellent fuel efficiency and a low rate of accidents.

Regional Variations in Car Insurance Costs

Car insurance rates can vary significantly depending on where you live. Factors like local traffic patterns, crime rates, and even weather conditions can all influence how much you pay for car insurance. For example, Georgia is known for offering cheaper car insurance rates, especially for certain SUVs like the Toyota RAV4 and Subaru Forester.

In contrast, large metropolitan areas with heavy traffic and higher crime rates may have higher premiums. It’s important to shop around and consider state-based discounts or low-mileage policies that could help reduce your costs further.

Tips to Lower Your Car Insurance Premiums

Even if you drive one of the cheapest cars to insure, there are still several ways you can lower your premiums further. Here are some tips to help you save money:

Increase your deductible: Raising your deductible will typically lower your monthly premiums.
Bundle policies: If you have multiple insurance policies, such as home and auto, consider bundling them to get a discount.
Maintain a good driving record: A history of safe driving can lead to discounts over time.
Take a defensive driving course: Many insurance companies offer discounts to drivers who complete approved defensive driving courses.

FAQs on Cheapest Car Insurance

What are the cheapest cars to insure in 2025?

Some of the cheapest cars to insure in 2025 include the Subaru Outback, Honda CR-V, and Toyota Tacoma. These vehicles are well-known for their low repair costs and safety features.

How can I find the cheapest insurance for my car?

Comparing quotes from different insurance companies and evaluating how your car’s features affect your premiums are the best ways to find affordable coverage. For more detailed info, check out resources like Progressive.

Why do some cars cost more to insure than others?

Cars that are expensive to repair, have high theft rates, or are considered high-performance tend to have higher insurance costs. Vehicles like luxury cars and sports cars often fall into this category.

Can I lower my car insurance if I drive less?

Yes, many insurance companies offer low-mileage policies. If you drive fewer miles, you may qualify for a discount.

Are there cars with no insurance?

It is illegal to drive a car without insurance in most states. Even minimal coverage is required by law, so make sure to have insurance before getting behind the wheel.

Conclusion

Selecting one of the cheapest cars to insure can make a significant difference in your overall car expenses. While factors like your driving history and location also play a role, choosing the right car is one of the most effective ways to keep insurance premiums low. Make sure to compare insurance quotes and take advantage of available discounts to save even more.