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The 10 Cheapest Cars to Insure in the U.S. for 2025
Finding affordable car insurance in the United States can feel impossible, especially as premiums continue to rise in 2025. But one factor that directly affects how much you pay is the car you drive. Some vehicles are naturally cheaper to insure thanks to their safety ratings, repair costs, and driver profiles.
Below is the updated list of the 10 cheapest cars to insure in the U.S. for 2025, based on national averages, insurance research, and real-world quotes.
Why Some Cars Are Cheaper to Insure
Insurance companies look at several factors when setting premiums. The cheapest cars to insure usually have:
- High safety ratings (NHTSA, IIHS)
- Low repair and replacement costs
- Fewer high-risk drivers
- Strong reliability
- Advanced driver-assistance features
These elements reduce the insurer’s risk, which lowers your monthly bill.
Top 10 Cheapest Cars to Insure in 2025
1. Subaru Outback
The Subaru Outback remains one of the most affordable cars to insure nationwide.
Why it’s cheap: excellent safety scores, low accident rates, and affordable repair parts.
2. Honda CR-V
The CR-V has long been a favorite among families and insurers.
Why it’s cheap: highly reliable, inexpensive maintenance, and top-tier crash test results.
3. Toyota Prius
A surprise winner again in 2025.
Why it’s cheap: drivers tend to be cautious, fuel-efficient design, and very low repair costs.
4. Hyundai Elantra
One of the best budget-friendly sedans in America.
Why it’s cheap: low theft rate and cheap replacement parts.
5. Ford Escape
This compact SUV is one of Ford’s safest and most economical options.
Why it’s cheap: advanced driver-assistance tech reduces accident severity.
6. Chevrolet Equinox
A consistent top performer for affordability and safety.
Why it’s cheap: predictable repair costs and strong crash performance.
7. Mazda CX-5
Stylish, safe, and surprisingly cheap to insure.
Why it’s cheap: excellent IIHS safety scores and low-cost parts.
8. Kia Sportage
Kia has improved massively in reliability and safety.
Why it’s cheap: modern safety features and low mechanic labor times.
9. Toyota Camry
One of America’s most popular cars for a reason.
Why it’s cheap: extremely reliable and cheap to repair.
10. Honda Accord
A U.S. favorite for decades.
Why it’s cheap: long-lasting components and high overall safety.
How to Lower Your Car Insurance Even More
Even if your car is already cheap to insure, you can cut your premium further by:
- Comparing quotes online (never stick with one insurer)
- Raising your deductible (if you can afford it)
- Bundling home + auto insurance
- Improving your credit score
- Asking for discounts (good driver, student, military, multi-car)
These small changes can save you hundreds of dollars a year.
Final Thoughts
Choosing the right vehicle can dramatically reduce your insurance cost in 2025. SUVs like the Subaru Outback and Honda CR-V continue to dominate the list thanks to their reliability and safety.
If budget matters, picking one of these models is one of the smartest financial moves you can make.