A first car often becomes the source of countless stories to share with friends and family, and it’s always preferable when those tales include the phrase, “it never left me stranded.”
Not only does this make for a more enjoyable narrative in the future, but it also ensures peace of mind in the present. Ideally, a great first car is affordable, inexpensive to maintain, and provides at least a decent level of safety.
However, beyond practicality, it’s always a bonus when that first car has a bit of charm something that makes it more than just a means of getting from point A to point B.
Much like any vehicle choice, the best car for a new driver depends largely on their specific needs and priorities, with added emphasis on insurance affordability and safety.
Ultimately, there’s an ideal first car out there for every type of driver. To make the selection easier, we’ve categorized the top choices based on the cheapest insurance rates for new drivers, the safest models available, and balanced picks that offer a combination of both.
Since we understand what it’s like to be in the shoes of a first-time driver, we’ve also included vehicles that bring a bit of excitement an “awesome” factor, if you will.
With some diligent searching, well-maintained examples of every recommended first car on this list can be found for under $15,000.
1. Subaru Outback
$4,000-$13,000
The Subaru Outback stands out as one of the most well-rounded choices for a first-time driver, offering an ideal blend of affordability, safety, and practicality, along with a cool factor thanks to its all-terrain capability.
With a broad range of pricing, earlier models can often be found for less than $5,000.
The 2010 to 2012 Outback models earned IIHS Top Safety Pick recognition, while models from 2013 onward received the prestigious Top Safety Pick Plus designation.
Given these outstanding safety ratings, later-model Outbacks also rank among the most affordable vehicles for new drivers to insure.
- Cost Range for Good Condition: $4,000-$13,000
- NHTSA Overall Safety Rating: 4/5 stars (2011-2012), 5/5 stars (2013-2022)
- MPG: 18-25
- Reliability: Dependent on vehicle history avoid models lacking a thorough service record.
- Best Model Years: 2010-2012, striking a balance between cost, modern features, and top-tier safety.
- Awesome Factor: Spacious enough to accommodate just about anyone, and equipped with Subaru’s renowned AWD to take them anywhere.
2. Honda Civic
$6,000-$14,000
The Honda Civic has long been regarded as the king of compact cars, and it’s also an excellent first vehicle.
Since the 1970s, the Civic has set the benchmark in its class, with its enduring popularity largely stemming from its affordability and low operating costs.
Beyond its reputation for reliability, the Civic is also an icon in both the economy and performance car scenes.
Surprisingly, newer model Civics are among the most budget-friendly options when it comes to insurance for new drivers provided you steer clear of the Si model.
However, it’s worth noting that older versions from 2000 and earlier are some of the most commonly stolen cars due to the absence of a factory-installed immobilizer system. Fortunately, this issue was rectified in models produced over the past two decades.
- Cost Range for Good Condition: $6,000-$14,000 for the best years
- NHTSA Overall Safety Rating: 5/5 stars (2013-2014)
- MPG: 21-41 (43-45 for Civic Hybrid)
- Reliability: Generally excellent, though the climate control system in 2010-2012 models is a known weak point.
- Best Model Years: 2013-2014 for their balance of affordability and outstanding dependability.
- Awesome Factor: With appearances in countless racing games and movies, the Civic has cemented its status as a cultural icon. Plus, as YouTube has demonstrated, few things on Earth are quicker than a Civic equipped with a laptop and tuning software.
Also Read: 10 Small Cars with Big Performance That Deliver Speed, Agility, and Everyday Practicality
3. Mazda Miata
$4,000-$18,000
For those who view driving as an exhilarating experience rather than just a daily necessity, the Mazda Miata provides more than enough excitement all without ever exceeding the speed limit.
It stands out as the most affordable sports car to insure, to the point where it ranks among the least expensive vehicles for new drivers to insure, period.
Not only are its maintenance and repair costs surprisingly low even when compared to far more conventional cars but it also offers a unique blend of accessibility and skill development for aspiring performance drivers.
The Miata is forgiving enough to accommodate mistakes while also rewarding skilled driving, making it an ideal choice for those looking to hone their abilities.
While other sports cars may come close in terms of reliability or price when comparing specific model years, none are as beginner-friendly as the Miata.
Its unexpected affordability in insurance, impressive durability, and ever-cheerful personality make it a standout first car.
- Cost Range for Good Condition: $4,000-$18,000 for the best years
- NHTSA Overall Safety Rating: Not Rated
- MPG: 18-27
- Reliability: Generally excellent, though as a sports car, it’s best to avoid the cheapest available models.
- Best Years: 2000-2008, covering the NB and early NC generations.
- Awesome Factor: Delivers the aesthetics and top-down enjoyment of a car worth many times its price, all while serving as an exceptional driver’s training tool.
4. Toyota RAV4
$12,000-$24,000
For those who prioritize practicality over outright driving excitement, the Toyota RAV4 offers ample space, high affordability, and renowned reliability across multiple generations.
Over the years, the RAV4 has consistently earned IIHS Top Safety Pick honors, including in 2009, 2013, and every model year from 2015 through 2023.
While prices for the RAV4 are higher compared to other vehicles on this list, that’s largely due to its exceptional resale value, which outperforms most other crossovers.
To ensure reliability, it’s best to avoid the 2006-2009 V6 models, as they have known issues. Otherwise, the RAV4 remains a solid first vehicle if it fits within your budget.
- Cost Range for Good Condition: $12,000-$24,000 for the best years
- NHTSA Overall Safety Rating: 5/5 stars (2015-2018)
- MPG: 22-30 (30-34 for the RAV4 Hybrid)
- Reliability: Excellent, though it’s essential to verify that any recalls have been properly addressed.
- Best Years: 2015-2018 for their nearly new feel.
- Awesome Factor: Not the most exciting option, but its relatively modern design ensures it still looks good on the road.
5. Honda CR-V
$6,000-$16,000
From 2015 through at least 2023, the Honda CR-V has consistently received either an IIHS Top Safety Pick or Top Safety Pick Plus designation, cementing its reputation as one of the safest SUVs on the market.
The insurance industry began recognizing exceptional models with these awards starting with the 2006 model year, and by 2007, the CR-V had secured its place as a Top Pick.
The only exceptions between 2007 and 2015 were the 2010, 2011, and 2014 model years, which missed out on the award.
Beyond its outstanding safety record, the CR-V is also known for its efficiency and spacious interior, making it an excellent choice for first-time drivers.
- Cost Range for Good Condition: $6,000-$16,000 for the best years
- NHTSA Overall Safety Rating: 5/5 stars (2012-2016)
- MPG: 21-33
- Reliability: Exceptional—so much so that even when issues arise, the CR-V is still likely to get you home.
- Best Years: 2010-2016, offering strong reliability for a reasonable price.
- Awesome Factor: Not much—unless you count the quirky appeal of the first-generation model.
6. Honda Accord
$9,000-$22,000
Long recognized as a top performer in the midsize sedan category, the Honda Accord boasts a safety record comparable to the CR-V, earning IIHS Top Safety Pick honors in 2008, 2009, and every model year from 2013 onward into the 2020s.
Despite sedans falling somewhat out of favor in recent years, the Accord remains one of the most affordable used vehicles to buy and maintain.
Unlike SUVs, its lower profile contributes to superior fuel efficiency when compared to similar-sized crossovers.
As a midsize sedan, the Accord offers more interior space than compact models like the Civic or Corolla.
Additionally, V-6-equipped versions provide surprising performance, and some even come with a manual transmission, making them an enticing option for enthusiasts.
- Cost Range for Good Condition: $9,000-$22,000 for the best years
- NHTSA Overall Safety Rating: 5/5 stars (2014-2018)
- MPG: 18-36 (45-49 for the Accord Hybrid)
- Reliability: Excellent—without question.
- Best Years: 2014-2018, offering a perfect blend of safety and dependability.
- Awesome Factor: V-6-powered Accords make for unexpectedly quick and stealthy sleepers.
7. Honda Fit
$6,000-$17,000
When it comes to recommending a first car, few options are as easy to suggest as the Honda Fit. This subcompact hatchback is known for its affordability, impressive reliability, incredible space efficiency, and overall ease of driving.
It continues the legacy of lightweight Honda hatchbacks like the EG and EK Civics, making it a practical and versatile choice.
Older models are widely available at budget-friendly prices, and thanks to their nimble handling and durable build, they’ve become a favorite among amateur racers competing in everything from Autocross to Time Attack.
- Cost Range for Good Condition: $6,000-$17,000 for the best years
- NHTSA Overall Safety Rating: 4/5 stars (2012-2013), 5/5 stars (2015-2016)
- MPG: 27-40
- Reliability: Generally very strong, though early Fit transmissions had known issues, and A/C problems are common in many models from 2010 onward.
- Best Years: 2013-2017 for optimal reliability, though the entire lineup remains solid.
- Awesome Factor: As the spiritual successor to the EG and EK Civics, the Fit is a compact hatchback that few realize doubles as a surprisingly capable race car.
8. Mazda 3
$4,000-$8,000
The Mazda 3 stands out as an excellent first car thanks to its relatively low insurance costs, attractive design, and fuel efficiency.
While it may not be the absolute cheapest option on this list, it offers a rare blend of practicality, driving enjoyment, and safety that few compact cars can rival.
Between 2014 and 2017, it earned Top Safety Pick Plus recognition, all while delivering engaging handling and an advanced infotainment system that many of its competitors struggled to match.
- Cost Range for Good Condition: $4,000-$8,000 for the best years
- NHTSA Overall Safety Rating: 4/5 stars (2011, with concerns), 4/5 stars (2012-2013), 5/5 stars (2014)
- MPG: 20-39
- Reliability: Decent, with generally dependable engines depending on the model year.
- Best Years: 2011-2014 for solid reliability, as transmission and suspension issues are more common outside of this range.
- Awesome Factor: A gateway to the world of car enthusiasm, the Mazda 3’s sharp styling and impressive handling set it apart from other compact cars.
9. Toyota Corolla
$5,000-$13,000
Comparable in reputation and success to the Honda Civic, the Toyota Corolla has an even longer history and has consistently ranked as one of the best-selling cars of all time.
While it may not have as much appeal among driving enthusiasts, its affordability and legendary reliability make it a top choice for budget-conscious buyers seeking a dependable first car.
Corollas have earned numerous safety accolades from both the IIHS and NHTSA, making them a smart and practical investment that could easily last long enough for a new driver to eventually pass it down to the next generation.
- Cost Range for Good Condition: $5,000-$13,000 for the best years
- NHTSA Overall Safety Rating: 5/5 stars (2014-2016)
- MPG: 21-40
- Reliability: Exceptional—Corollas from 20 years ago are still viable daily drivers today.
- Best Years: 2010-2016 for peak reliability, though nearly all Corolla model years are highly dependable.
- Awesome Factor: Minimal in recent decades.
While affordability and low insurance costs are key factors when choosing a first car, it’s also important to consider the driver’s personal preferences.
For those seeking a well-rounded and practical option, vehicles like the Toyota RAV4 and Honda CR-V offer excellent reliability, solid fuel economy, and generous interior space all at reasonable prices with manageable insurance rates.
If space is less of a priority, the Honda Fit delivers an ideal mix of practicality and driving fun, with handling sharp enough to hold its own in amateur racing while still being a fantastic daily driver.
For those who prioritize sheer driving enjoyment on a budget, the first two generations of the Mazda Miata remain unmatched in their fun-to-drive nature.
Also Read: 10 Classic Cars That Were Once Popular but Are Now Forgotten
