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Best Cars to Buy in 2025 for Low Insurance Costs and High Value

Posted inCar Insurance, Car Tips, Car's Blog, Guidance

Choosing the right car in 2025 goes beyond looks and performance—it’s also about how much you’ll pay to insure it. Insurance premiums can add hundreds or even thousands of dollars annually to your total ownership cost. Selecting a vehicle with low insurance rates, excellent safety features, and reliable performance is a smart way to save money and avoid surprises.

This detailed guide highlights the best cars to buy in 2025 that combine affordability, safety, and insurance friendliness. Whether you want a sedan, SUV, or electric vehicle, these picks offer the best balance of value and low insurance costs.

What Makes a Car Cheap to Insure in 2025?

Before diving into the list, here are the main factors insurers consider that make some cars cheaper to insure than others:

  • Safety Ratings: Cars with top crash-test results tend to cost less to insure.
  • Repair Costs: Models with widely available parts and simpler repairs reduce insurance expenses.
  • Theft Rates: Cars less likely to be stolen have lower premiums.
  • Engine Size and Performance: Moderate engines attract lower rates compared to sports cars.
  • Price and Depreciation: More affordable vehicles with steady resale value often mean cheaper insurance.

Best Sedans for Low Insurance Costs

Toyota Corolla
The Toyota Corolla continues to be a top choice for budget-conscious drivers. It boasts excellent safety scores, low maintenance costs, and affordable repair parts. Insurance premiums for the Corolla are among the lowest in its class.

Honda Civic
The Civic pairs sporty handling with a reputation for reliability and safety. Its moderate insurance rates stem from strong crash test performance and reasonable repair expenses.

Hyundai Elantra
With a modern design and advanced safety features, the Elantra is competitively priced both at purchase and for insurance premiums. Its warranty and fuel efficiency add to its appeal.

Best SUVs and Crossovers for Insurance Savings

Subaru Forester
The Forester is renowned for its standard all-wheel drive and excellent safety ratings, helping keep insurance costs reasonable. Its rugged reliability and strong resale value are bonuses.

Honda CR-V
Offering spacious interiors and smooth handling, the CR-V is another insurance-friendly SUV with a solid safety record and low repair costs.

Toyota RAV4
Known for its dependability and advanced driver-assistance systems, the RAV4 often qualifies for insurance discounts linked to safety features.

Best Electric and Hybrid Vehicles with Lower Insurance Premiums

Toyota Prius
The iconic Prius remains a leader in fuel efficiency and safety. Its long history and broad availability of parts help keep insurance premiums in check.

Hyundai Kona Electric
The Kona Electric combines EV benefits with affordable insurance premiums, thanks to its growing popularity and strong safety technology.

Honda Accord Hybrid
The Accord Hybrid blends traditional comfort with fuel savings and typically lower insurance costs compared to luxury EVs.

Best Pickup Trucks with Moderate Insurance Rates

Ford Maverick
A compact pickup with a hybrid option, the Maverick is affordable to buy and insure, making it ideal for drivers needing utility without high insurance costs.

Toyota Tacoma
Known for durability and resale value, the Tacoma strikes a balance between ruggedness and reasonable insurance premiums.

Table: Summary of Best Cars in 2025 for Low Insurance

Car ModelVehicle TypeEstimated Annual InsuranceKey Reasons for Low Insurance
Toyota CorollaCompact Sedan$1,200 – $1,400Safety, low repair costs
Honda CivicCompact Sedan$1,250 – $1,450Reliability, safety features
Hyundai ElantraCompact Sedan$1,200 – $1,400Warranty, safety tech
Subaru ForesterCompact SUV$1,300 – $1,600AWD, crash test ratings
Honda CR-VCompact SUV$1,350 – $1,650Safety, low repair costs
Toyota RAV4Compact SUV$1,350 – $1,700Safety systems, reliability
Toyota PriusHybrid Sedan$1,200 – $1,500Fuel efficiency, established parts network
Hyundai Kona ElectricElectric SUV$1,300 – $1,600EV incentives, safety tech
Honda Accord HybridMidsize Hybrid$1,350 – $1,650Safety, reliability
Ford MaverickCompact Pickup$1,300 – $1,550Utility, hybrid option

How to Get the Best Insurance Rates on These Cars

  • Maintain Safety Features: Keep airbags, ABS, and other safety equipment in working order.
  • Avoid Modifications: Aftermarket parts or performance upgrades usually increase premiums.
  • Drive Safely: Maintain a clean driving record to qualify for good driver discounts.
  • Shop Around: Get multiple quotes before purchasing.
  • Bundle Insurance: Combine auto with renters or home insurance for discounts.

Conclusion

The best cars to buy in 2025 are those that blend affordability, safety, and low insurance costs. Sedans like the Toyota Corolla and Honda Civic, SUVs like the Subaru Forester and Honda CR-V, and eco-friendly options such as the Toyota Prius continue to dominate the list for smart buyers.

Before purchasing, always check insurance quotes specific to the model and trim, since premiums can vary widely. By choosing vehicles wisely and adopting safe driving habits, you can enjoy not only a reliable car but also savings on your insurance premiums for years to come.

Investing time in research and choosing a car that’s insurance-friendly is one of the smartest decisions you can make in 2025.

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