Insurance costs can be a hidden burden for car owners, often varying significantly by model. Surprisingly, some of the most stylish, capable, and efficient vehicles on the market today come with impressively low insurance premiums. These cars and SUVs aren’t just affordable to buy, they’re also economical to own long-term.
Whether it’s due to their safety features, low theft rates, or below-average repair costs, these ten vehicles offer real value. This guide explores ten 2025 models known for combining excellent driving experiences with unexpectedly low insurance costs, making them ideal for budget-conscious drivers seeking reliable protection.
1. Mazda CX-5: Premium Features, Modest Insurance
The Mazda CX-5 is often praised for its luxury feel, but its insurance costs remain modest, averaging $42 per month in 2025. The 2023 model year tends to be the most affordable to insure. With top-tier safety ratings and a standard alarm and engine immobilizer, the CX-5 earns trust from insurers.
Although its slightly higher repair costs reflect its upscale design, its value remains high thanks to a balance of refinement and safety. Fuel efficiency of up to 28 MPG helps reduce overall operating costs. For a premium SUV feel without premium rates, the CX-5 is a clear standout.
2. Kia Forte: Low Sticker Price, Even Lower Premiums
Starting at under $20,000, the Kia Forte delivers solid performance at a very reasonable price, and its insurance costs follow suit, averaging just $53 in 2025. The 2023 model is the most economical to insure. This compact sedan includes key safety and anti-theft features, like a standard alarm and immobilizer, keeping coverage costs low.
Strong fuel economy of up to 35 MPG and below-average repair expenses add to its financial appeal. Despite being a small, budget-friendly car, the Forte does not sacrifice safety or efficiency, making it a smart pick for those aiming to cut both upfront and ongoing costs.
3. Ford Escape: Advanced Tech, Low Coverage Costs
The Ford Escape combines a smart layout with fuel economy and safety, all while offering surprisingly low insurance premiums. Averaging $45 per month in 2025, it’s an affordable option in the compact SUV category. The 2022 model year is especially budget-friendly to insure.
Features like the SecuriLock anti-theft system and perimeter alarm reduce theft risk, helping to keep premiums low. Its combined MPG of up to 39 makes it a fuel-efficient choice, and repair costs remain average. With its reliable performance and smart safety design, the Escape proves that cutting-edge tech doesn’t need to come with costly coverage.
4. Hyundai Elantra: Big on Value, Light on Insurance
A consistent budget champion, the Hyundai Elantra maintains its reputation in 2025 with insurance costs averaging $53. The 2013 model year is the cheapest to insure, appealing to drivers who don’t mind older but reliable cars.
This IIHS Top Safety Pick boasts great crash ratings and a standard anti-theft system, which includes an alarm and remote keyless entry.
With fuel efficiency reaching 36 MPG and below-average repair costs, the Elantra is a low-risk, high-reward vehicle in the eyes of insurance providers. It’s a fantastic pick for anyone looking to pair affordability with modern safety and convenience features.
5. Honda CR-V: Reliable, Safe, and Insurance-Friendly
The Honda CR-V is a top choice for families and solo commuters alike, thanks to its spacious design and renowned dependability. In 2025, the average insurance cost is only $42, with the 2022 model year offering the best savings.
Its IIHS Top Safety Pick status and theft-deterrent features like an engine immobilizer and optional alarm system reduce claim risks.
With a fuel economy of up to 31 MPG and moderate repair costs, the CR-V strikes a balance between function and affordability. It’s a practical choice for drivers who need space and safety without high ownership expenses.
Also Read: 5 Cars Feared Unsafe That Turned Out Fine vs 5 That Ended Up with Big Recalls
6. Chevrolet Malibu: A Midsize Deal with Low Insurance
The Chevrolet Malibu, with its midsize comfort and user-friendly design, stands out with average insurance premiums of $50 in 2025. The 2023 model year is the most economical for coverage. It delivers a combined 32 MPG and includes solid anti-theft features like a standard engine immobilizer and optional alarm system.
Its repair costs remain below average for sedans, further reducing total ownership costs. The Malibu is ideal for those seeking a reliable midsize vehicle that doesn’t break the bank when it comes to coverage. It’s practical, safe, and quietly one of the most cost-efficient options on the road.
7. Toyota Corolla: A Perennial Insurance Favorite
Year after year, the Toyota Corolla remains one of the most affordable vehicles to insure, with a 2025 average monthly premium of $50. The 2023 model is the cheapest for insurance purposes. As an IIHS Top Safety Pick, it excels in crash-test results, and its standard engine immobilizer and alarm system further lowers its risk profile.
With a combined fuel efficiency of up to 35 MPG and below-average repair costs, the Corolla continues to be a reliable, affordable option. Whether you’re a student or a long-time commuter, the Corolla makes smart financial sense on every front.
8. Honda Civic: High Reputation, Low Premiums
The Honda Civic maintains its spot as a favorite among cost-conscious drivers with a 2025 insurance average of $52 per month. The 2022 model year stands out as the cheapest to insure.
Its safety credentials, excellent fuel economy (up to 36 MPG), and standard immobilizer and optional alarm system make it appealing to insurance providers. Lower-than-average repair costs help keep long-term expenses in check.
As an IIHS Top Safety Pick, the Civic blends performance, reliability, and low insurance costs, perfect for younger drivers or anyone looking to minimize ownership costs while driving a stylish and dependable car.
9. Subaru Outback: Adventure-Ready and Budget-Smart
Known for its rugged charm and all-wheel-drive capability, the Subaru Outback also impresses with affordable insurance, averaging $41 monthly in 2025. The 2023 model year is the most budget-friendly to insure. As an IIHS Top Safety Pick with strong crash-test ratings, the Outback wins favor with insurance companies.
While AWD repairs can be pricier, their overall reliability and safety help offset these costs. It includes a standard alarm and engine immobilizer, and achieves up to 29 MPG. Ideal for outdoor enthusiasts, the Outback offers both performance and peace of mind on the road and in your budget.
10. Nissan Rogue: Safe, Efficient, and Economical to Insure
The Nissan Rogue consistently delivers value through low insurance costs, averaging $48 in 2025. Its 2022 model year is typically the cheapest to cover. A blend of high fuel efficiency (up to 33 MPG), strong reliability, and a standard immobilizer (with an optional alarm) makes it a secure choice for drivers.
Repair costs are below average, and insurers are drawn to its low claim history and solid safety features. The Rogue is perfect for those wanting SUV space and practicality without high ongoing costs, offering comfort and efficiency with every drive.
These ten vehicles prove that low insurance premiums don’t require sacrificing quality, performance, or safety. Whether you choose a rugged Subaru Outback, a premium-feel Mazda CX-5, or the reliable Toyota Corolla, you’ll benefit from a combination of low ownership costs and excellent protection.
Each model listed here boasts features, like top safety ratings, anti-theft systems, and dependable repair records that make them low-risk in the eyes of insurers. As you navigate your next vehicle purchase, consider these smart options to save not just at the dealership, but every month when your insurance bill arrives.
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