10 Cheapest Cars to Insure in 2025

Auto insurance is a significant expense for vehicle owners — especially for young and first-time drivers who face higher car insurance rates. The car you drive can raise or lower your rates, as vehicle make, safety features, and repair costs all affect what you pay.

In the following sections, you’ll learn more about the 10 cheapest cars to insure in 2025 and see which models stand out by type and brand. You’ll also learn what factors make certain vehicles more or less expensive to insure and find actionable tips from Insurify’s data to help you find affordable insurance policies.

What are the cheapest cars to insure?

Insurify’s latest analysis finds that the Dodge Caravan is the cheapest car to insure in 2025, with an average full-coverage premium of $102 per month — about 26% below the national average rate of $138.

The Honda Fit and Subaru Outback also undercut the national average of car insurance premiums by double-digit percentages, making them strong affordability picks for budget-conscious drivers.

Here are the 10 cheapest cars to insure in 2025, based on Insurify quote data. Safety ratings come from the National Highway Traffic Safety Administration.^[1]

Make and Model	Average Monthly Quote: Full Coverage	Starting MSRP	NHTSA Safety Rating
Dodge Caravan	$102	Discontinued; last new models around low $30,000s	4 stars (2020 Grand Caravan)
Honda Fit	$113	$16,000–$18,000	Not recently rated; older models scored well in small care tests
Subaru Outback	$117	$36,445	5 stars overall (recent models)
Subaru Forester	$119	$31,445	5 stars overall (recent models)
Fiat 500	$120	Discontinued; pricing varies by market and year	3-star overall NHTSA rating on earlier models
Honda CR-V	$122	$32,315	5-star overall rating
Acura RSX	$125	Discontinued; originally an entry-luxury coupe	Older models received 5-star ratings for frontal impacts and 4-star ratings for side impacts
Dodge Viper	$126	Discontinued; high original MSRP when new	Limited recent NHTSA data
Honda Odyssey	$128	Mid-$30,000s	5-star overall safety rating for both frontal and side crash protection, and a 4-star rating for rollover protection
Ford Ranger	$128	$34,000–$36,700	Not all configurations have been rated

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

​All 10 vehicles above cost less to insure than the national average, with the Dodge Caravan about 26% lower, the Honda Fit about 18%, and the Subaru Outback about 15% lower than the $138 benchmark.

These vehicles tend to be cheaper to insure because they:

• Are designed for mainstream daily use (family hauling, commuting) rather than aggressive performance.

• Often earn strong safety scores and include driver-assistance tech, which insurance companies say can reduce injury and collision claim costs

• Have modest sticker prices and widely available parts, which lowers repair costs and replacement expenses after a claim

Vehicle class influences insurance costs. Typically, the best cars include compact cars, minivans, and mainstream SUVs, which are less expensive to insure than large pickups, luxury, or high-performance models. 

Some exceptions exist, such as the Dodge Viper, which shows below-average premiums in Insurify’s data. That said, these vehicles usually have higher fuel, maintenance, and purchase costs than practical options like the Fit or CR-V. Mainstream cars are designed for everyday use and generally have lower repair and claim costs.

For young and first-time drivers facing age-based surcharges, choosing a vehicle from this list can help offset higher premiums and make full coverage more affordable.

Cheapest cars to insure by vehicle type

Cost-conscious shoppers looking for affordable insurance have different needs. Families may prefer SUVs or minivans, while young professionals may want hatchbacks or sedans. Insurify data highlights budget-friendly options in each category so you can find cheaper insurance quotes that fit your lifestyle.

Cheapest sedans and hatchbacks to insure

Among new-car sedans and hatchbacks, the Honda Fit and Fiat 500 stand out as the least expensive to insure, with average full-coverage premiums well below the U.S. average. Their small size, modest power, and low repair costs help keep insurers’ claim payouts lower.

Make and Model	Average Monthly Quote: Full Coverage	MSRP	NHTSA Safety Rating
Honda Fit	$113	$16,000–$18,000 when new	No rating for 2025 Fit, but Honda has received a 5-star Overall Vehicle Score for other current models
Fiat 500	$120	Discontinued; pricing varies by market and year	3-star overall rating on earlier U.S. models
Subaru Impreza	$129	$20,300	5 stars
Ford Fiesta	$132	$14,000–$17,000 (older model)	N/A
Ford Focus	$142	$17,950	5 stars (2018 model)
Chevrolet Malibu	$160	$27,895	5 stars
Toyota Corolla	$171	$22,950	5 stars
Hyundai Elantra	$173	$20,550	5 stars
Nissan Sentra	$174	$22,410	5 stars
Nissan Altima	$180	$26,350	5 stars

*MSRPs are approximate starting values for recent model years and may vary by trim/options.

​Cheapest SUVs to insure

Crossovers and SUVs don’t have to be expensive to insure. The Subaru Outback and Forester are two of the cheapest SUVs, according to Insurify data. Each combines all-wheel drive with excellent safety ratings and below-average premiums.

Here, you can see some of the other most affordable vehicles to insure.

Make and Model	Average Monthly Quote: Full Coverage	MSRP	NHTSA Safety Rating
Subaru Outback	$117	$28,895+	5 stars overall
Subaru Forester	$119	$27,095–$28,440	5 stars overall
Honda CR-V	$122	$29,500+	5 stars
Toyota 4Runner	$131	$37,765	4 stars
Chevrolet Equinox	$138	$30,495	5 stars
Toyota RAV4	$139	$30,070	5 stars
Mazda CX-5	$140	$30,720	5 stars
Honda Pilot	$142	$38,450	5 stars
Nissan Rogue	$151	$29,830	N/A
Volkswagen Tiguan	$152	$28,505	5 stars

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Pickup trucks often cost more to insure than small cars, but some models buck the trend. The Ford Ranger and Chevrolet Colorado are two of the cheapest pickups to insure, according to Insurify data. Both show car insurance premiums at or below the national average.

Here are some other pickups that are relatively inexpensive to insure. On the whole, smaller, lighter pickups are also more affordable when it comes to insurance.

Make and Model	Average Monthly Quote: Full Coverage	MSRP	NHTSA Safety Rating
Ford Ranger	$128	$32,700–$34,400	4-star rating overall
Chevrolet Colorado	$137	$31,900	4-star rating overall
Toyota Tacoma	$146	$31,500–$46,300	4 stars
Ford F-Series pickup	$147	$40,000	N/A
GMC Sierra	$148	$37,700	5 stars for some versions
Toyota Tundra	$149	$42,015	N/A
Jeep Gladiator	$159	$34,725	N/A
Ram 1500	$167	$40,000+	N/A
GMC Hummer (electric)	$196	$99,045	N/A

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest luxury vehicles to insure

Luxury vehicles are usually expensive to insure, but the Acura RSX and BMW Z4 have below-average premiums among luxury brands, though both are older or niche models.

The following luxury models have low premiums for their segment, but repairs and parts still make them more expensive to insure than many other vehicle types.

Make and Model	Average Monthly Quote: Full Coverage	MSRP	NHTSA Safety Rating
Acura RSX	$125	No 2025 RSX is being produced; new RSX anticipated to arrive in 2026 with a  $50,000 starting MSRP	Older models received 5-star ratings for frontal impacts and 4-star ratings for side impacts
BMW Z4	$139	$54,500	Not yet rated
Porsche Boxster	$139	$65,500	N/A
Audi TT	$148	$53,200 (2024 model)	N/A
Cadillac CTS	$157	$48,000	N/A
Lexus ES	166	$43,450	N/A
Mercedes-Benz E-Class	$182	$58,950	N/A
Jaguar F-Type	$187	$77,400	N/A
Infiniti G37	$189	Discontinued (2013 model $32,850)	N/A
Tesla Model S	$219	$94,990	N/A

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car brands to insure

Looking beyond individual models, some brands consistently have lower insurance costs. Insurify averages show that Subaru is the cheapest, at about $127 per month, followed by MINI and several mainstream U.S. brands near the national average.

Subaru’s all-wheel drive, advanced safety tech, and strong crash ratings help explain its low insurance costs. Here, you can see some other brands with low insurance costs.

Vehicle Make	Average Monthly Quote: Full Coverage
Subaru	$127
MINI	$130
GMC	$143
Chevrolet	$145
Ford	$145
Jeep	$146
Mazda	$148
Dodge	$150
Chrysler	151
Honda	$151

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

​Why some cars are cheaper to insure

Cars are cheaper to insure when they have low repair costs, strong safety ratings, available replacement parts, and fewer or smaller claims. Insurers track performance and price policies accordingly.

• Safety ratings and features: Vehicles with strong NHTSA and Insurance Institute for Highway Safety (IIHS) crash test scores, plus advanced driver-assistance systems, tend to result in fewer severe injuries and property damage claims.

• Repair and replacement costs: Mainstream cars with modest MSRPs and widely available parts are cheaper to fix or replace, so insurers don’t need to charge as much to cover potential claims.

• Theft rates: New vehicles and models that are frequently stolen or targeted for parts will likely have higher comprehensive premiums.

• Vehicle age and value: Older cars and depreciated ones cost less to replace. That’s one reason discontinued models like the RSX or older Caravans can still be inexpensive to insure, as long as parts remain accessible.

• Claim frequency and severity: If a model generates lots of at-fault collisions or high injury payouts, premiums rise. If claims are relatively rare and low cost, rates fall.

The type of vehicle, its class, size, and weight all shape insurance costs. Very small cars can increase the risk of injury to occupants in a crash, potentially raising their premiums. Heavy vehicles, such as pickup trucks, can cause greater damage in collisions, resulting in higher rates.

The cheapest cars to insure are typically found in the middle ground: compact crossovers, wagons, and minivans that balance moderate size with strong safety features.

Even if your premium is high for your age, location, or driving record, picking a low-insurance-cost vehicle can still save you money each month.

How to lower your car insurance costs

Choosing a cheap-to-insure car is a great start, but you still have options with your policy.

Here are practical ways to cut your car insurance costs:

• 

  Compare quotes

  Rates vary widely by company. Using online comparison tools to check multiple insurers for the same coverage limits and deductibles before you buy or renew is a good way to lower insurance rates.

• 

  Maintain a clean driving record

  Avoiding speeding tickets, at-fault crashes, and driving under the influence (DUI) can save hundreds of dollars per year. Many insurers offer “good driver” or accident-free discounts to people with a good driving history.

• 

  Choose a higher deductible

  Raising your comprehensive and collision deductibles can lower your car insurance premiums, as long as you can comfortably afford that amount out of pocket if you file a claim.^[2]

• 

  Ask for discounts

  Discount options may include safe driver, multi-car, bundling, good student, military, and low-mileage. Be sure to ask, as some car insurance companies won’t volunteer their discounts unless you ask.

• 

  Consider pay-per-mile or telematics

  Usage-based programs that track mileage and driving habits can reward safe, low-mileage drivers with lower rates. They may be especially attractive for remote workers or students.

• 

  Take care of your credit (where allowed)

  In many states, insurers use credit-based insurance scores. A good credit rating can translate into lower premiums over time.

• 

  Adjust coverage for older vehicles

  As your car ages and depreciates, it may make sense to raise deductibles or even drop comprehensive and collision coverage if your vehicle’s value is low.

• 

  Update coverage after any significant life change

  Shop around and update coverage annually.

Combining a low-cost-to-insure vehicle with smart coverage decisions is the best recipe for long-term savings.

What makes some cars more expensive to insure?

Cars cost more to insure when they’re expensive to repair, have high sticker prices, or generate frequent or expensive claims. Performance engines, luxury interiors, advanced electronics, and costly materials also raise claim costs.

Insurify data shows that models like the Tesla Cybertruck ($283/month), BMW i8 ($272/month), and Tesla Model 3 ($259/month) can cost roughly 90%–105% more to insure than the $138 national average for full coverage.

These vehicles are pricier to insure because:

• They have high MSRPs, especially in upper trims.

• Their parts and body materials (aluminum, composites, EV battery systems) are expensive to repair or replace.

• Performance and acceleration can encourage higher-risk driving, raising claim frequency and severity.

• Advanced tech and luxury interiors increase the cost of even relatively minor crashes.

Key factors that drive insurance costs up include:

• High sticker price or luxury branding

• High-performance engines or sport-tuned variants

• Complex electronics and driver-assist systems that are costly to recalibrate

• Rare or imported parts

• Elevated theft risk

• Larger claim payouts in real-world loss data

Even within a single model line, trim and performance packages matter. For example, insurers typically charge more for a sporty or performance-oriented variant (like a “Si,” “ST,” or “R” version) than for the base model with the same name.

Avoiding expensive-to-insure models, even when tempting, is one of the simplest ways to keep your premiums under control.

Cheapest cars to insure FAQs