Best Cars for Cheap Car Insurance in 2025: A Complete Guide
Picking the Right Car For Cheap Car Insurance
Finding Cheap car insurance can feel overwhelming, especially with rising prices. However, your vehicle plays a significant role in determining your insurance premium. In this guide, we’ll cover the cheapest cars to insure in 2025, factors affecting your insurance rates, and how Insurance Direct Rates (IDR) can help you compare quotes and save money.
Cheapest Cars to Insure by Make
Subaru, Ford, and Honda top the list of the cheapest makes to insure in 2025. These brands are known for their safety features and affordable parts, which translate to lower insurance premiums. The table below shows the average annual and monthly full-coverage insurance costs for popular automakers.
Automaker Ranked By Insurance Costs
Automaker | Annual Full-Coverage Cost | Monthly Full-Coverage Cost
| Automaker | Annual Full-Coverage Cost | Monthly Full-Coverage Cost |
|---|---|---|
| Subaru | $2,189 | $182 |
| Ford | $2,303 | $194 |
| Honda | $2,413 | $205 |
| Toyota | $2,501 | $213 |
| Chevrolet | $2,532 | $219 |
| Nissan | $2,603 | $227 |
| Hyundai | $2,632 | $229 |
| Kia | $2,712 | $231 |
| GMC | $3,074 | $243 |
| Tesla | $3,897 | $351 |
Cheapest Cars to Insure by Model
Even within a specific make, certain models are cheaper to insure than others. For example, Ford Bronco and Subaru Crosstrek are among the cheapest models to insure in 2025.
Vehicle Model Insurance Costs
Below are the average annual and monthly insurance costs for some of the most affordable vehicle models in 2025:
Vehicle Model | Annual Full-Coverage Cost | Monthly Full-Coverage Cost
| Vehicle Model | Annual Full-Coverage Cost | Monthly Full-Coverage Cost |
|---|---|---|
| 2023-2025 Ford Bronco | $2,085 | $174 |
| 2023-2025 Subaru Crosstrek | $2,012 | $172 |
| 2023-2025 Honda CRV Hybrid | $2,093 | $179 |
| 2023-2025 Subaru Impreza | $2,127 | $181 |
| 2023-2025 Chevy Equinox | $2,142 | $183 |
Lowest Cost Vehicle Types for Cheap Car Insurance
The type of vehicle you drive can also impact your insurance costs. SUVs and hybrids tend to be cheaper to insure due to their safety features and lower likelihood of theft or accidents.
Vehicle Type Insurance Costs
Here are the average insurance costs for different vehicle types in 2025:
Vehicle Type | Annual Full-Coverage Cost | Monthly Full-Coverage Cost
| Vehicle Type | Annual Full-Coverage Cost | Monthly Full-Coverage Cost |
|---|---|---|
| SUV | $2,287 | $189 |
| Hybrid | $2,412 | $201 |
| Truck | $2,398 | $198 |
| Sedan | $1,875 | $179 |
| EV | $3,319 | $267 |
Factors That Affect Car Insurance Rates
Many factors influence the cost of car insurance beyond the make and model of your car. Below, we break down vehicle-related factors, choices that drivers make, and personal characteristics that affect insurance premiums.
Vehicle Factors
Several aspects of your vehicle can raise or lower your insurance rates:
Vehicle Age: Contrary to popular belief, newer cars can sometimes be cheaper to insure due to advanced safety features.
Vehicle Type: Smaller SUVs and minivans usually have lower insurance premiums, while trucks and electric vehicles often cost more to insure.
Safety Features: Cars with airbags, anti-lock brakes, and high crash-test ratings receive lower premiums.
Choices That Affect Rates
The insurance decisions you make also play a large role in your costs:
Coverage Level: Opting for the state minimum insurance can save you money but offers less protection.
Deductible Amount: Higher deductibles lead to lower premiums, but you’ll pay more out-of-pocket after an accident.
Bundled Policies: Combining home, renters, or life insurance with your car insurance can lower overall costs.
Personal Factors That Affect Car Insurance Rates
Personal characteristics such as driving history, age, and credit score affect your insurance premiums. For example, Ryan, a safe driver with good credit, will typically pay lower premiums than Alex, who has a recent speeding ticket and a poor credit score.
Driving Record: Accidents, speeding tickets, or a DUI can lead to significantly higher premiums.
Age and Gender: Younger drivers, especially males, often pay higher rates due to perceived risk.
Credit Score: Poor credit is often associated with higher insurance costs, as insurers view drivers with lower scores as more likely to file claims.
Car Insurance Discounts
To lower their premiums, drivers like Erin and Adele can take advantage of various discounts offered by insurance companies.
Common Car Insurance Discounts
Discount Type | Discount Details
| Discount Type | Discount Details |
|---|---|
| Safe Driver Discount | Reduced rates for accident-free drivers |
| Good Student Discount | Discounts for students maintaining at least a B average |
| Multi-Vehicle Discount | Lower premiums for insuring multiple cars under one policy |
| Bundled Policy Discount | Cheaper rates for bundling auto and home insurance |
| Military Discount | Discounts for active-duty military personnel |
| Vehicle Safety Features | Discounts for cars with airbags and anti-theft devices |
| Senior Discount | Special rates for older drivers (55+) after completing a course |
| Usage-Based Insurance Discount | Discounts for safe driving tracked via telematics |
Should You Choose the Cheapest Car to Insure?
While it may be tempting to select a car based solely on insurance costs, it’s essential to consider more than just price. The vehicles with the lowest premiums, such as those in the Subaru or Honda lineups, often perform well in crash tests but may not suit everyone’s needs. You should also be wary of insurers offering significantly lower-than-average premiums, as they may provide substandard coverage.
Use tools like Insurance Direct Rates to help you compare quotes across multiple insurers and find the best balance between price and coverage. IDR’s free quote comparisons can save you money and provide valuable education on how to manage your car insurance policies wisely.
With the right research and tools, you can find affordable car insurance that fits your needs. By considering factors like vehicle make, personal driving history, and available discounts, you can make an informed decision and save on your premiums. Insurance Direct Rates is here to help you navigate the process, providing access to multiple quotes and offering educational resources to make managing your insurance easier.