Bring this list to the dealership
Combine it with the coverage worksheets in our Understanding Your Policy pillar guide so you can match limits and deductibles to your new ride.
Insurance costs vary as much as sticker prices. Vehicles with high safety scores, affordable parts, and strong anti-theft systems routinely quote below the national average. We analyzed 2025 filings from major carriers, IIHS crash data, and repair cost studies to build this shopper-friendly list. Always request personalized quotes, but use these models as your shortlist when affordability matters.
Cars that insure cheaply in 2025 share three traits: top-tier safety ratings, low theft risk, and inexpensive parts. The Honda Civic, Toyota Corolla Hybrid, Subaru Crosstrek, Hyundai Kona, and Chevrolet Bolt EUV are standout examples.
Why insurers love certain cars
- Crashworthiness: Vehicles with IIHS Top Safety Pick+ ratings produce fewer serious injury claims.
- Low repair costs: Common parts and simpler body panels translate into cheaper collision payouts.
- Theft resistance: Standard immobilizers, GPS tracking, and visible VIN etching reduce comprehensive claims.
- Telematics compatibility: Built-in data connections integrate with usage-based programs for extra discounts.
Best sedans and hatchbacks
- 2025 Honda Civic: Honda Sensing bundles lane-keeping, adaptive cruise, and collision mitigation. Replacement parts are plentiful, keeping collision costs low.
- 2025 Toyota Corolla Hybrid: Industry-leading reliability reduces mechanical breakdown claims, while Toyota's anti-theft tech keeps comprehensive losses down.
- 2025 Mazda3: Excellent crash ratings plus affordable LED headlight modules. Mazda's new anti-theft software update protects against CAN-injection hacks.
- 2025 Kia Forte: Bundled telematics make it easy to enroll in usage-based programs, and base models avoid costly performance parts.
Best crossovers and small SUVs
- 2025 Subaru Crosstrek: Standard EyeSight driver assistance plus low theft rates keep premiums modest.
- 2025 Hyundai Kona: 5-star NHTSA ratings, accessible parts, and BlueLink telematics that sync with smart-driver programs.
- 2025 Chevrolet Equinox: Common fleet vehicle with cheap replacement parts and excellent IIHS scores.
- 2025 Ford Escape Hybrid: Fuel-efficient yet packed with safety tech; insurers reward the Escape's strong loss history.
Budget EV picks
Electric vehicles can be expensive to insure if batteries cost a fortune to replace. These models buck the trend with manageable repair bills.
- 2025 Chevrolet Bolt EUV: GM's new battery warranty and modular design reduce replacement costs.
- 2025 Nissan Leaf: A mature parts ecosystem and predictable loss history make premiums reasonable.
- 2025 Volkswagen ID.4 Standard: Strong safety suite plus partnerships with major insurers for EV-specific repairs.
How to compare insurance quotes while shopping
- Pull the VIN for each vehicle you're considering.
- Request quotes with identical limits, deductibles, and endorsements.
- Ask insurers about telematics or low-mileage programs available for that specific model.
- Factor in safety or anti-theft discounts tied to the trim level.
Even the cheapest-to-insure car can become expensive if you opt for high-performance trims or skip security features. Share this list with your dealer, capture the VIN of each candidate, and run quotes before signing. Cheap insurance is the result of smart shopping, proactive safety choices, and diligent documentation.