Cars With Most Affordable Insurance Rates
Justin Sonon • August 20, 2025
Can you guess which cars have the lowest insurance rates?
The Most Affordable Cars to Insure (By Category)
When shopping for a new vehicle, most people focus on sticker price, monthly payments, or fuel economy. But one cost that often gets overlooked is auto insurance, and it can add up fast. The good news? Some vehicles consistently rank among the cheapest to insure, thanks to their safety ratings, repair costs, and reliability.
Here’s a look at the some of the most affordable cars to insure by category.
SUVs & Crossovers
SUVs remain one of the most popular vehicle types for families and commuters alike. Fortunately, several models are budget-friendly not only at the dealership but also with your insurance company.
Subaru Forester
Subaru Outback
Honda CR-V
Ford Escape
Toyota RAV4
Why so affordable? These SUVs score high on safety, have reasonable repair costs, and aren't considered high-risk vehicles by insurers.
Sedans
If you prefer a sedan, you’ll find plenty of options that keep insurance premiums low. These cars are practical, fuel-efficient, and cheap to maintain.
Honda Civic
Toyota Camry
Mazda 3
Toyota Prius
Kia Forte
Toyota Corolla – often topping the list of cheapest cars to insure.
These models typically cost well below the national average for full coverage insurance.
Pickup Trucks
Trucks are often assumed to be more expensive to insure, but some models buck the trend.
Toyota Tacoma
Ford F-150, Chevrolet Silverado 1500, Toyota Tundra, and GMC Sierra also stand out as relatively affordable compared to other large trucks.
For drivers who need hauling capability without breaking the bank on insurance, these trucks are strong choices.
Why These Cars Are Cheaper to Insure
The vehicles above share a few key traits:
High safety ratings – fewer serious accidents mean lower claims.
Lower repair costs – parts are widely available and affordable.
Moderate purchase price – insurance companies look at replacement cost, not just MSRP.
Lower theft risk – not typically targeted by car thieves.
Final Word
If you’re buying a new car in 2025 and want to keep your insurance premiums manageable, here’s the quick recap:
SUVs/Crossovers: Subaru Forester, Outback, Honda CR-V
Sedans: Honda Civic, Toyota Camry, Mazda 3, Prius, Forte, Corolla
Trucks: Toyota Tacoma (with F-150, Silverado, Tundra, Sierra as alternatives)
Choosing the right vehicle doesn’t just save you at the pump or the dealership—it can save you hundreds every year on insurance.
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