2025’s Top 10 Cheapest Cars to Insure – Save Big on Your Premiums!
If you’re looking to lower your car insurance costs, choosing the right vehicle is a smart first step. Some cars come with lower premiums due to their safety ratings, repair costs, and theft risk.
In this guide, we’ll break down the top 10 cheapest cars to insure in 2025, explain why they’re so affordable, and share tips to save even more on your insurance.
Why Are Some Cars Cheaper to Insure?
Insurance companies look at several key factors when setting your premium. Here’s what determines a car’s insurance cost:
1. Safety Ratings
Cars with top crash-test ratings and advanced safety features lead to fewer accidents and lower repair costs, meaning insurers charge lower premiums.
2. Repair Costs
If a vehicle has widely available and affordable replacement parts, repairs cost less—which helps keep insurance rates down.
3. Low Theft Risk
Some cars are stolen more often than others. If a model has a low theft rate, it’s considered less risky, leading to cheaper insurance premiums.
4. Claim Frequency
Cars with fewer insurance claims historically are cheaper to insure because they’re involved in fewer accidents or require fewer costly repairs.
The 10 Cheapest Cars to Insure in 2025
Now that you know what affects insurance rates, let’s count down the cheapest vehicles to insure in 2025!
#10 – Jeep Cherokee ($133/month)
💡 Best for: Drivers who want a rugged, reliable SUV
✔ Durable and built for tough conditions
✔ Strong crash-test ratings
✔ Affordable to repair compared to other SUVs
The Jeep Cherokee is a solid option for those who need a reliable SUV without high insurance costs.
#9 – Chevrolet Equinox ($128/month)
💡 Best for: Budget-conscious families looking for a compact SUV
✔ Affordable repair costs
✔ Strong safety ratings
✔ Reliable for long-term ownership
The Chevy Equinox balances affordability, great fuel economy, and low insurance costs, making it a popular family vehicle.
#8 – Nissan Rogue ($128/month)
💡 Best for: Reliable, budget-friendly SUV seekers
✔ Advanced safety features
✔ Fuel-efficient for an SUV
✔ Low claim history keeps premiums down
The Nissan Rogue offers peace of mind with its excellent crash-test ratings, making it a top choice for families and commuters.
#7 – Toyota RAV4 ($123/month)
💡 Best for: Those looking for a fuel-efficient, long-lasting SUV
✔ Top-tier safety features
✔ High resale value
✔ Affordable repairs & maintenance
The Toyota RAV4 has a history of reliability and safety, leading to lower insurance costs.
#6 – Subaru Forester ($123/month)
💡 Best for: Outdoor enthusiasts and drivers in snowy areas
✔ All-wheel drive (AWD) included standard
✔ Excellent crash-test ratings
✔ Low theft risk keeps premiums low
The Subaru Forester is a go-to for adventure seekers, offering both reliability and affordability on insurance.
#5 – Honda Accord ($118/month)
💡 Best for: Commuters and sedan lovers
✔ Excellent fuel efficiency
✔ Proven safety features
✔ Affordable repair costs
The Honda Accord has been a trusted midsize sedan for decades, and its low insurance rates make it a great option for budget-conscious drivers.
#4 – Mazda CX-5 ($111/month)
💡 Best for: Drivers who want a stylish yet affordable SUV
✔ Sporty handling with high safety ratings
✔ Competitive insurance rates
✔ Low-cost repairs
The Mazda CX-5 blends style, reliability, and budget-friendly insurance costs, making it a strong competitor in the SUV market.
#3 – Honda CR-V ($105/month)
💡 Best for: Families and long-distance travelers
✔ Fuel-efficient and affordable to maintain
✔ Honda’s reputation for reliability
✔ Low insurance claims keep premiums down
The Honda CR-V remains one of the best-selling SUVs, thanks to its safety features and affordability.
#2 – Toyota Prius ($100/month)
💡 Best for: Eco-conscious drivers who want savings on gas and insurance
✔ Hybrid technology lowers fuel costs
✔ Advanced driver-assist safety features
✔ Minimal accident claims keep rates low
The Toyota Prius is a win-win for drivers who want an eco-friendly car and low insurance premiums.
#1 – Subaru Outback ($95/month)
💡 Best for: Drivers who want top-tier safety, reliability, and affordability
✔ Top crash-test scores & AWD standard
✔ Lower accident claim rates than competitors
✔ Affordable repair costs
The Subaru Outback takes the top spot as the cheapest car to insure in 2025, with an average premium of just $95/month. If you’re looking for an SUV that’s safe, reliable, and budget-friendly, this is it.
How to Save Even More on Car Insurance
No matter what car you drive, you can cut your insurance costs with these strategies:
✔ Bundle policies – Combine home and auto insurance for discounts
✔ Raise your deductible – Higher deductibles mean lower monthly payments
✔ Drive safely – A clean record leads to better insurance rates
✔ Shop around – Let Trailstone Insurance Group compare quotes from 40+ insurers
Final Thoughts – Ready to Save on Car Insurance?
Choosing a car with lower insurance costs can save you hundreds of dollars each year.
- Need an affordable SUV? Try the Honda CR-V or Toyota RAV4.
- Looking for a budget-friendly sedan? The Honda Accord is a great option.
- Want the cheapest insurance possible? The Subaru Outback is your best bet.
Want to save even more?
Trailstone Insurance Group shops from 40+ “A” rated insurance companies to get you the best rate, no matter what car you drive.
📌 Click the link below to get a free quote today!
Which of these cars is your favorite? Let us know in the comments!
Thanks for reading—drive safe and save big in 2025!