If you’re thinking about buying a car in the United States or want to reduce your insurance costs, choosing a model with affordable insurance rates can save you a lot of money over the years. Insurance costs vary based on factors such as the car model, accident history, and even the state you live in.
In this article, we list the 10 cars with the cheapest insurance in the USA and explain the reasons behind these costs. Check it out and find out which car can help you save money!
How Are Car Insurance Rates Calculated?
Before we dive into the list, it’s important to understand how insurers determine a vehicle’s insurance cost. The main factors include:
- Repair and maintenance costs – Cars with expensive parts tend to have higher insurance premiums.
- Theft rate – Models that are frequently stolen have higher premiums.
- Accident history of the model – If a car has a high accident rate, its insurance will be more expensive.
- Safety features – Vehicles with advanced safety technology may qualify for policy discounts.
- Driver profile – Age, driving history, and location also influence the insurance cost.
Now that you know how prices are calculated, see which cars are the cheapest to insure in 2025.
The 10 Cars with the Cheapest Insurance in the USA
1. Subaru Outback
- Average annual insurance cost: $1,250
- Why it’s cheap to insure: Reliable, low theft rate, and excellent safety features.
- Highlights: Stability control, collision warning, and automatic braking.
- Average fuel economy: 26 MPG city / 33 MPG highway.
2. Honda CR-V
- Average annual insurance cost: $1,300
- Why it’s cheap to insure: Family-friendly, great safety record, and affordable parts.
- Highlights: Honda Sensing driver assistance system, blind-spot cameras.
- Average fuel economy: 28 MPG city / 34 MPG highway.
3. Mazda CX-5
- Average annual insurance cost: $1,310
- Why it’s cheap to insure: Modern design, excellent safety, and low maintenance costs.
- Highlights: Lane-keeping assist, emergency braking.
- Average fuel economy: 25 MPG city / 31 MPG highway.
4. Jeep Wrangler
- Average annual insurance cost: $1,320
- Why it’s cheap to insure: Durable structure, lower risk of damage in minor collisions, and affordable repair costs.
- Highlights: Standard 4×4 traction, reinforced body.
- Average fuel economy: 20 MPG city / 24 MPG highway.
5. Hyundai Tucson
- Average annual insurance cost: $1,330
- Why it’s cheap to insure: Popular among families, low accident rate, and affordable replacement parts.
- Highlights: Parking sensors, lane departure warning.
- Average fuel economy: 26 MPG city / 33 MPG highway.
6. Ford Escape
- Average annual insurance cost: $1,340
- Why it’s cheap to insure: Low repair costs and good active safety systems.
- Highlights: Adaptive cruise control, rear cross-traffic alert.
- Average fuel economy: 27 MPG city / 33 MPG highway.
7. Chevrolet Equinox
- Average annual insurance cost: $1,350
- Why it’s cheap to insure: Reliable, affordable parts, and efficient safety technology.
- Highlights: Pedestrian alert system, advanced stability control.
- Average fuel economy: 26 MPG city / 31 MPG highway.
8. Toyota RAV4
- Average annual insurance cost: $1,360
- Why it’s cheap to insure: High durability and lower risk of severe accidents.
- Highlights: Adaptive cruise control, lane-keeping assist.
- Average fuel economy: 27 MPG city / 35 MPG highway.
9. Volkswagen Tiguan
- Average annual insurance cost: $1,370
- Why it’s cheap to insure: Advanced safety, reasonable maintenance costs, and low accident rate.
- Highlights: Low-speed automatic braking, parking assist.
- Average fuel economy: 23 MPG city / 29 MPG highway.
10. Kia Sportage
- Average annual insurance cost: $1,380
- Why it’s cheap to insure: High reliability and efficient safety technology.
- Highlights: Front collision sensors, driver fatigue detection.
- Average fuel economy: 25 MPG city / 32 MPG highway.
Tips to Lower Your Insurance Costs
If you want to reduce your insurance costs even further, follow these tips:
✅ Compare insurers – Use platforms like Geico, Progressive, and State Farm to find the best deal. ✅ Choose a car with a strong safety reputation – Highly rated models lead to lower premiums. ✅ Maintain a good driving record – Drivers with no tickets or accidents pay less. ✅ Consider increasing your deductible – If you can afford a higher out-of-pocket expense in case of a claim, your monthly insurance cost will be lower. ✅ Take advantage of discounts – Some insurers offer benefits for students, experienced drivers, and those who drive less frequently.
Conclusion
Choosing a car with affordable insurance can lead to significant savings over the years. The models listed above offer great options for those looking for safety, reliability, and low insurance costs.
If you found this article helpful, share it with friends who are thinking about buying a car or reducing their insurance expenses! 🚗💰
