The cost of owning a vehicle is not just about monthly car payments, but also includes expenses for daily maintenance, repairs, and insurance. With auto insurance premiums continuing to rise, more and more people are looking for the cheapest cars to insure. Surprisingly, according to the latest data, several SUV models are among the cheapest to insure.
A study by the insurance comparison website “Insurify” found significant differences in insurance costs for different vehicle models. Some cars on the market currently have insurance premiums that are twice as expensive as others, significantly increasing consumers’ daily expenses. Many people only realize this after purchasing a car, but by then, it may be too late.
Therefore, Insurify analyzed over ninety million insurance quotes from major auto insurance companies in the United States, extracting samples of premiums for drivers aged 20 to 70 with good driving records and credit scores above 600. They ultimately identified the car models that had the lowest insurance premiums in 2025, considering all vehicle model years.
Typically, insurance companies assess premiums based on factors such as a driver’s driving record, age, location, vehicle model year, credit score, vehicle safety features, and repair costs.
Vehicles with comprehensive safety features and high safety ratings usually have lower insurance premiums. On the other hand, high-performance sports cars and luxury vehicles with expensive maintenance costs tend to have higher premiums.
When categorized by vehicle type, Insurify indicates that pickup trucks and SUVs have cheaper insurance premiums, while sedans are the most expensive, with monthly premiums around 15% higher than SUV models.
According to Insurify’s report, Subaru is the brand with the cheapest insurance premiums, with their Forester model being one of the 2023 IIHS safety picks.
Full coverage includes basic liability insurance (for bodily injury and property damage) as well as comprehensive and collision coverage. Insurify focuses on policies with the following coverage limits: minimum bodily injury liability of $50,000 per person/$100,000 per accident; property damage liability of $10,000 to $50,000; and comprehensive and collision deductibles of $1,000 each.
Below are the top ten car models in the United States with the cheapest insurance premiums.
In comparison, Insurify also lists the top ten most expensive car models in terms of insurance premiums. Apart from the factors mentioned above, vehicles that are commonly targeted for theft naturally have higher insurance premiums.
Insurance for electric vehicles is also not cheap. The average monthly premium for the top 10 best-selling electric cars in the US is around $253. To save on premiums, it is advisable to choose vehicles with easily replaceable parts, good safety features, and lower maintenance costs.
Insurify analysts suggest that increasing deductibles, opting for vehicles with advanced safety and anti-theft features, completing safe driving courses, and comparing insurance quotes from different companies may help reduce auto insurance costs. When buying a car, comparing insurance costs is as important as comparing vehicle features.
As for the belief that “red cars have higher insurance premiums,” Insurify clarifies that the color of a car does not impact insurance rates. Insurance companies typically do not inquire about the color of the insured vehicle, and there is no significant correlation between car color and insurance premiums.