Car insurance costs continue to rise in 2025, with the national average annual premium now reaching $2,895. However, not all vehicles are equally expensive to insure. Some models stand out for their lower insurance rates, making them excellent choices for drivers looking to save on total cost of ownership.
We’ve analyzed CarEdge insurance data to find the cheapest cars to insure in 2025. These models not only offer affordable coverage but also have solid reliability, reasonable maintenance costs, and strong safety ratings—all factors that contribute to lower insurance premiums.
Let’s dive into the cars with the cheapest insurance in 2025 and why they are such great choices.
The 10 Cheapest Cars to Insure in 2025
1. 2025 Mazda CX-5
- Average Annual Insurance Premium: $1,877 ($1,018 below the national average)
- 5-Year Total Cost of Ownership: $39,836
- MSRP: $29,990–$42,020
The Mazda CX-5 takes the top spot as the cheapest car to insure in 2025. This popular compact SUV combines strong safety ratings, a smooth ride, and a cabin with a premium feel. Its affordability extends beyond insurance, with affordable total ownership costs and a starting price around $30,000.
See Mazda CX-5 Deals and Value Ratings
2. 2025 Honda CR-V
- Average Annual Insurance Premium: $1,881 ($1,014 below the national average)
- 5-Year Total Cost of Ownership: $42,554
- MSRP: $31,450–$37,850
In 2024, Honda sold 402,000 copies of the CR-V in America, earning fifth place in the sales charts. One reason for the CR-V’s loyal following is affordable insurance. Its advanced safety features and low theft rates contribute to its low insurance costs. With a reputation for durability, this SUV is a smart pick for long-term ownership.
See Honda CR-V Deals and Value Ratings
3. 2025 Hyundai Kona
- Average Annual Insurance Premium: $1,890 ($1,005 below the national average)
- 5-Year Total Cost of Ownership: $38,911
- MSRP: $25,745–$34,795
The Hyundai Kona is a fun-to-drive subcompact SUV that boasts a modern design, impressive fuel efficiency, and strong safety ratings. Kona drivers save about $1,000 per year on insurance compared to the national average.
See Hyundai Kona Deals and Value Ratings
4. 2025 Subaru Outback
- Average Annual Insurance Premium: $1,893 ($1,002 below the national average)
- 5-Year Total Cost of Ownership: $45,002
- MSRP: $30,290–$44,190
After 30 years on the market, the Subaru Outback remains a top-selling model for Subaru. The combination of all-wheel drive and top-tier safety ratings makes the Outback one of the cheapest cars to insure in 2025..
See Subaru Outback Deals and Value Ratings
5. 2025 Chrysler Voyager
- Average Annual Insurance Premium: $1,897 ($998 below the national average)
- 5-Year Total Cost of Ownership: $53,564
- MSRP: $41,690
Minivans tend to have lower insurance premiums due to their family-friendly nature and strong safety features. The Chrysler Voyager is a budget-friendly alternative to the Pacifica, offering a practical and spacious cabin without breaking the bank on insurance.
See Chrysler Voyager Deals and Value Ratings
6. 2025 Subaru Crosstrek
- Average Annual Insurance Premium: $1,897 ($998 below the national average)
- 5-Year Total Cost of Ownership: $37,923
- MSRP: $27,115–$33,915
The Subaru Crosstrek is another insurance-friendly option, thanks to its all-wheel drive and standard safety features. The Crosstrek is a great choice for those who need a versatile compact SUV with low long-term costs.
See Subaru Crosstrek Deals and Value Ratings
7. 2025 Hyundai Tucson
- Average Annual Insurance Premium: $1,905 ($990 below the national average)
- 5-Year Total Cost of Ownership: $45,136
- MSRP: $29,750–$41,190
The Hyundai Tucson is a popular compact SUV that offers a balance of affordability, technology, and fuel efficiency. With Hyundai’s excellent manufacturer warranty and top safety scores, it’s no surprise that insurance costs remain low.
See Hyundai Tucson Deals and Value Ratings
8. 2025 Mazda CX-30
- Average Annual Insurance Premium: $1,909 ($986 below the national average)
- 5-Year Total Cost of Ownership: $38,600
- MSRP: $26,415–$38,370
Sporty, stylish, and packed with value, the Mazda CX-30 is one of the best small SUVs for budget-conscious drivers. Its strong crash test performance and reasonable repair costs keep insurance rates below the national average.
See Mazda CX-30 Deals and Value Ratings
9. 2025 Jeep Wrangler
- Average Annual Insurance Premium: $1,913 ($982 below the national average)
- 5-Year Total Cost of Ownership: $55,046
- MSRP: $33,990–$101,890
Despite its rugged off-road reputation, the Jeep Wrangler is among the cheapest SUVs to insure. Its long-term durability, high resale value, and simple design contribute to reasonable insurance costs.
See Jeep Wrangler Deals and Value Ratings
10. 2025 Kia Niro
- Average Annual Insurance Premium: $1,914 ($981 below the national average)
- 5-Year Total Cost of Ownership: $39,851
- MSRP: $28,365–$42,165
For eco-conscious buyers, the Kia Niro offers hybrid and fully-electric options with low insurance rates. Its affordable maintenance costs and solid safety scores make it one of the cheapest cars to insure in 2025.
See Kia Niro Deals and Value Ratings
About the Data
Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won’t reflect any multi-car discounts.
What Makes a Car Cheaper to Insure?
Several factors influence how much you’ll pay for auto insurance, including:
- Safety Ratings: Vehicles with high crash test scores and advanced driver assistance features typically have lower insurance premiums.
- Repair Costs: The availability and price of replacement parts affect insurance rates. Cheaper-to-repair vehicles cost less to insure.
- Vehicle Type: Affordable sedans and SUVs tend to have lower premiums compared to sports cars and luxury models.
- Theft Rates: Cars that are frequently targeted by thieves may have higher insurance costs.
Bottom Line: The Best Cars for Low Insurance Costs in 2025
If you’re looking to save money on insurance in 2025, compact SUVs and hybrid models tend to be the best bets. The Mazda CX-5, Honda CR-V, and Hyundai Kona lead the pack, offering insurance rates more than $1,000 below the national average.
Before buying a car, it’s always smart to compare insurance quotes to ensure you’re getting the best deal. CarEdge offers free tools to help you calculate the total cost of ownership, including insurance, depreciation, and maintenance costs.
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