Top 10 Cheapest Vehicles to Insure

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If you're shopping for a new car and bracing yourself for a brutal insurance bill, here's some good news: not every 2024 or 2025 model comes with sky-high premiums. While newer vehicles tend to cost more to insure thanks to pricey technology and higher repair costs, a handful of models consistently buck that trend.

Why it matters

Insurers don't just look at how fast or flashy a car is. They care about repair costs, safety outcomes, theft rates, and historical claims data. Vehicles that consistently generate fewer and less severe claims tend to earn lower premiums over time.

The details

According to Insurify data, the average 2024/2025 vehicle costs about $2,823 per year to insure-roughly $700 more than the national average across all vehicles. But several models land well below that mark. The common thread? Reasonable prices, strong safety performance, and a history of fewer and less costly insurance claims. Subaru dominates the list, but it's not alone. Hyundai, Nissan, Honda, Acura, and Ford all make appearances, with SUVs-rather than sedans-doing most of the heavy lifting.

• The data is based on 2024 and 2025 model year vehicles.