Finding affordable car insurance is easier than you might think, and the type of vehicle you drive plays a significant role in determining your premiums.
Whether you’re a new driver or looking to reduce your monthly costs, choosing the right car can make a big difference.
In this guide, we’ll cover the best cars for cheap car insurance in 2025. We’ll also share tips on how to get cheaper auto insurance rates to help you keep more money in your pocket.
1. Toyota Corolla
Starting MSRP: $22,325
Estimated average cost to insure in 2025: $50
Cheapest model year to insure: 2023
IIHS Top Safety Pick
- Estimated combined MPG: Up to 35
- Anti-Theft System: Standard engine immobilizer and alarm system
- Repair Costs: Below average for compact sedans
The Toyota Corolla’s reputation for reliability and low-cost maintenance makes it a standout when it comes to affordable insurance. Its strong crash-test ratings and low accident claim rates contribute to consistently lower premiums.
Get a complete breakdown of Toyota Corolla insurance costs and see what factors influence your coverage rates.
2. Honda CR-V
Starting MSRP: $30,100
Estimated average cost to insure in 2025: $42
Cheapest model year to insure: 2022
IIHS Top Safety Pick
- Estimated combined MPG: Up to 31
- Anti-theft system: Standard immobilizer and available security alarm
- Repair costs: Moderate, but cheaper than luxury SUVs
A longtime favorite among families and commuters, the Honda CR-V is known for its dependability and lower-than-average insurance costs. With a reputation for safety and an affordable repair history, it’s a solid choice for budget-conscious drivers.
Find out what Honda CR-V insurance costs might look like and how you can secure the best coverage.
3. Subaru Outback
Starting MSRP: $29,010
Estimated average cost to insure in 2025: $41
Cheapest model year to insure: 2023
IIHS Top Safety Pick
- Estimated combined MPG: Up to 29
- Anti-theft system: Standard alarm and engine immobilizer
- Repair costs: Moderate, but AWD repairs can be pricier
The Subaru Outback is a favorite among adventurous drivers, thanks to its standard AWD and rugged reliability. Its high resale value and strong crash-test scores help keep insurance costs lower than many other midsize SUVs.
Learn about Subaru Outback insurance costs and what to expect when budgeting for coverage.
4. Ford Escape
Starting MSRP: $28,400
Estimated average cost to insure in 2025: $45
Cheapest model year to insure: 2022
- Estimated combined MPG: Up to 39
- Anti-theft system: Standard perimeter alarm and SecuriLock passive anti-theft system
- Repair costs: Average for compact SUVs
With its fuel-efficient engine and strong safety scores, the Ford Escape keeps insurance premiums in check. Its smart anti-theft technology also helps deter break-ins, making it a lower risk for insurers.
Discover Ford Escape insurance costs and what influences your rates.
5. Nissan Rogue
Starting MSRP: $29,230
Estimated average cost to insure in 2025: $48
Cheapest model year to insure: 2022
- Estimated combined MPG: Up to 33
- Anti-theft system: Standard engine immobilizer and optional security alarm
- Repair costs: Below average for compact SUVs
The Nissan Rogue combines affordable maintenance costs and strong safety features, making it an excellent option for those looking to save on insurance. Its reputation for reliability and low theft rates contribute to its overall affordability in insurance premiums.
Get insights into Nissan Rogue insurance costs and what to expect when insuring this compact SUV.
6. Kia Forte
Starting MSRP: $19,900
Estimated average cost to insure in 2025: $53
Cheapest model year to insure: 2023
- Estimated combined MPG: Up to 35
- Anti-theft system: Standard immobilizer and alarm system
- Repair costs: Below average for small sedans
Offering one of the lowest insurance costs in its class, the Kia Forte affordable repair prices and excellent safety ratings make it a strong contender for drivers looking to save on premiums. Its simple, efficient design further contributes to its cost-effective insurance.
Get a breakdown of Kia Forte insurance costs and see how you can lower your premiums.
7. Honda Civic
Starting MSRP: $24,250
Estimated average cost to insure in 2025: $52
Cheapest model year to insure: 2022
IIHS Top Safety Pick
- Estimated combined MPG: Up to 36
- Anti-theft system: Standard immobilizer and available security system
- Repair costs: Lower than average for compact cars
A fan favorite for budget-conscious drivers, the Honda Civic boasts excellent fuel economy and advanced safety features, both of which help keep insurance costs down. Plus, its low theft rates compared to other sedans contribute to cheaper coverage.
Find out what Honda Civic insurance costs might look like and how you can secure the best coverage.
8. Hyundai Elantra
Starting MSRP: $22,025
Estimated average cost to insure in 2025: $53
Cheapest model year to insure: 2013
IIHS Top Safety Pick
- Estimated combined MPG: Up to 36
- Anti-theft system: Standard anti-theft alarm with remote keyless entry
- Repair costs: Below average for sedans
The Hyundai Elantra is highly rated for its fuel efficiency, safety, and low-cost maintenance. These attributes not only make it a reliable and practical choice but also keep insurance premiums affordable for drivers.
Explore Hyundai Elantra insurance costs and discover ways to get the right coverage for your needs.
9. Mazda CX-5
Starting MSRP: $28,770
Estimated average cost to insure in 2025: $42
Cheapest model year to insure: 2023
- Estimated combined MPG: Up to 28
- Anti-theft system: Standard alarm and engine immobilizer
- Repair costs: Slightly higher than average due to premium features
The Mazda CX-5 offers a combination of affordability and premium features, with strong safety ratings and excellent theft deterrents, keeping insurance premiums competitive. While its repair costs may be slightly higher than some competitors, it still offers good value for drivers who want a balance of features and affordability.
See what Mazda CX-5 insurance costs could be and how different factors impact your rates.
10. Chevrolet Malibu
Starting MSRP: $25,800
Estimated average cost to insure in 2025: $50
Cheapest model year to insure: 2023
- Estimated combined MPG: Up to 32
- Anti-theft system: Standard engine immobilizer and optional alarm system
- Repair costs: Below average for midsize sedans
The Chevrolet Malibu is known for its balance of affordability, safety, and low repair costs. As one of the most cost-effective midsize sedans, it also benefits from low insurance premiums due to its excellent safety features and dependability.
Find out what Chevrolet Malibu insurance costs might be and how to secure the best policy for your needs.
11. Volkswagen Jetta
Starting MSRP: $21,995
Estimated average cost to insure in 2025: $52
Cheapest model year to insure: 2013
- Estimated combined MPG: Up to 34
- Anti-theft system: Standard electronic immobilizer and optional alarm system
- Repair costs: Below average for compact sedans
With its solid safety scores and impressive fuel economy, the Volkswagen Jetta is a great option for drivers seeking low insurance costs. Its affordability and low theft rates further contribute to its status as one of the best cars to insure.
Discover Volkswagen Jetta insurance costs and what factors influence coverage rates.
12. Subaru Crosstrek
Starting MSRP: $25,810
Estimated average cost to insure in 2025: $41
Cheapest model year to insure: 2023
- Estimated combined MPG: Up to 30
- Anti-theft system: Standard alarm and engine immobilizer
- Repair costs: Moderate, but AWD maintenance costs slightly more
The Subaru Crosstrek provides excellent insurance savings thanks to its high safety scores and reliable build. It’s an ideal choice for drivers seeking a versatile, all-wheel-drive vehicle that is both fuel-efficient and cost-effective to insure.
Learn about Subaru Crosstrek insurance costs and how to find affordable coverage.
13. Ford F-150
Starting MSRP: $38,810
Estimated average cost to insure in 2025: $40
Cheapest model year to insure: 2023
IIHS Top Safety Pick
- Estimated combined MPG: Up to 23
- Anti-theft system: Standard alarm and optional advanced security features
- Repair costs: Higher than average, but parts are widely available
As one of the best-selling pickup trucks in America, the Ford F-150 benefits from widely available replacement parts, helping to keep repair costs manageable. Its advanced driver-assist features also contribute to lower accident rates, making it more affordable to insure than some competitors.
Explore Ford F-150 insurance costs and learn how to find the best rates for your truck.
14. Subaru Forester
Starting MSRP: $29,810
Estimated average cost to insure in 2025: $42
Cheapest model year to insure: 2023
IIHS Top Safety Pick
- Estimated combined MPG: Up to 29
- Anti-Theft System: Standard alarm and engine immobilizer
- Repair costs: Moderate, but AWD maintenance can be pricier
The Subaru Forester’s combination of rugged capability and affordability makes it one of the cheapest SUVs to insure. Its excellent crash safety ratings and strong resale value contribute to lower insurance premiums.
Find out what Subaru Forester insurance costs might be and how to secure the best policy for your needs.
15. Toyota RAV4
Starting MSRP: $29,250
Estimated average cost to insure in 2025: $42
Cheapest model year to insure: 2022
- Estimated combined MPG: Up to 31
- Anti-theft system: Standard engine immobilizer and available alarm system
- Repair costs: Moderate—Toyota’s reputation for reliability keeps long-term maintenance costs reasonable
The Toyota RAV4 is a great choice for budget-conscious drivers looking for a fuel-efficient, safe, and reliable SUV. Its strong safety ratings and standard driver-assistance features help lower insurance rates, while its theft-deterrent systems can make it even more affordable to insure.
Get a complete breakdown of Toyota RAV4 insurance costs and see what factors influence your coverage rates.
How to lower your car insurance rates
While choosing an insurance-friendly car can help keep premiums low, there are additional steps you can take to reduce your costs even further. Here are some of the best ways to save on car insurance:
Shop around for the best rates
Insurance companies use different formulas to calculate premiums, so it’s always worth comparing insurance quotes from multiple providers. Rates can vary by hundreds of dollars per year depending on your age, location, and driving history.
Consider telematics and usage-based insurance
Many insurers offer telematics programs, where a device or mobile app tracks your driving habits. If you drive safely, you could earn discounts for smooth braking, steady acceleration, and avoiding late-night driving.
Maintain a clean driving record
One of the biggest factors in determining your premium is your driving history. Avoiding accidents, speeding tickets, and other violations can keep your rates low. Some insurers even offer accident forgiveness programs for long-term safe drivers.
Take advantage of discounts
Many insurance providers offer discounts that can significantly reduce your premium. Some common discounts include:
- Good Driver Discount: For those with a clean record
- Bundling Discount: If you combine car insurance with renters or home insurance
- Student Discount: For young drivers with good grades
- Low-Mileage Discount: If you drive less than the average person
Raise your deductible
Choosing a higher deductible (the amount you pay before insurance kicks in) can lower your monthly premium. Just make sure you have enough savings set aside in case you ever need to make a claim.
Choose the right coverage levels
If you have an older vehicle, you might not need comprehensive and collision coverage. Evaluating your coverage needs based on your car’s value can help you avoid overpaying.
By using these strategies, you can reduce your car insurance costs while still maintaining great coverage. Always review your policy regularly to ensure you’re getting the best deal possible.
Improve Your Credit Score
In many states, insurers use credit scores to determine rates. Maintaining good credit by paying bills on time and keeping debts low can help you qualify for lower insurance premiums.
Before we go…
Choosing the right car can make a significant difference in your auto insurance premiums.
The vehicles listed here are some of the cheapest cars to insure in 2025, thanks to their excellent safety features, reliability, and affordable repair costs.
Ready to protect your new car? Get a quote from Lemonade car insurance today and see how much you can save!
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
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