Top 10 Cheapest Vehicles to Insure

New cars with surprisingly low premiums

If you’re shopping for a new car and bracing yourself for a brutal insurance bill, here’s some good news: not every 2024 or 2025 model comes with sky-high premiums. While newer vehicles tend to cost more to insure thanks to pricey technology and higher repair costs, a handful of models consistently buck that trend.

According to Insurify data, the average 2024/2025 vehicle costs about $2,823 per year to insure—roughly $700 more than the national average across all vehicles. But several models land well below that mark. The common thread? Reasonable prices, strong safety performance, and a history of fewer and less costly insurance claims.

Subaru dominates the list, but it’s not alone. Hyundai, Nissan, Honda, Acura, and Ford all make appearances, with SUVs—rather than sedans—doing most of the heavy lifting.

Here are the 10 cheapest new vehicles to insure, based on average annual full-coverage premiums.

10. Ford Maverick

Average annual premium: $2,295

Starting price: $27,678

The Ford Maverick sneaks into the top 10 thanks largely to its low price. A lower replacement cost reduces risk for insurers, which helps keep premiums down even if safety scores aren’t class-leading.

While the Maverick earns mixed results in some crash tests, its real-world insurance loss history is better than average. Collision losses are about 21% below average, and comprehensive losses are roughly 24% lower, helping it edge out more expensive competitors.

9. Acura RDX

Average annual premium: $2,294

Starting price: $45,875

Luxury vehicles rarely rank among the cheapest to insure, but the Acura RDX is a notable exception. Despite its higher sticker price, it benefits from domestic production, readily available parts, and excellent safety performance.

The RDX earned IIHS Top Safety Pick status and posts especially low insurance losses, including comprehensive losses nearly 50% below average. That combination keeps premiums surprisingly reasonable for a luxury SUV.

8. Honda Passport

Average annual premium: $2,239

Starting price: $43,600

The Honda Passport’s insurance affordability comes down to familiarity. Built in Alabama and largely unchanged for several years, it’s cheaper and easier to repair than many newer designs packed with cutting-edge tech.

Insurance losses for collision and comprehensive coverage are both well below average, even if its safety scores aren’t as uniformly strong as some rivals.

7. Nissan Murano

Average annual premium: $2,209

Starting price: $40,995

The Murano’s insurance costs are impressively low given its price. A Top Safety Pick+ rating for 2025 helps, as does a solid insurance loss history across most coverage types.

Built in Tennessee, the Murano also benefits from domestic manufacturing, which can reduce parts costs and repair delays—another factor insurers take into account.

6. Subaru Crosstrek

Average annual premium: $2,208

Starting price: $26,055

The Crosstrek stands out as the most affordable vehicle to buy on this list—and one of the cheapest to insure. That combination makes it especially appealing for budget-conscious shoppers.

It also posts some of the strongest insurance loss data of any model here. Collision losses are nearly 50% below average, with similarly low losses for injury and comprehensive claims.

5. Subaru Legacy

Average annual premium: $2,188

Starting price: $26,438

The only sedan in the top 10, the Subaru Legacy earns its place thanks to standard all-wheel drive and strong safety performance. It’s also one of the more affordable midsize sedans on the market.

While it fell just short of top safety honors in 2025, its insurance losses remain well below average, keeping premiums competitive.

4. Subaru Ascent

Average annual premium: $2,086

Starting price: $37,905

Despite its size and higher price, the Subaru Ascent remains cheaper to insure than many smaller vehicles. That’s largely due to strong crash-test results and a consistently favorable insurance loss history.

Losses across collision, property damage, and bodily injury coverage are all significantly below average, reinforcing its reputation as a low-risk family hauler.

3. Subaru Forester

Average annual premium: $2,077

Starting price: $29,155

The Forester combines standard all-wheel drive with updated safety tech, without pushing insurance costs above the national average. It also earns top marks from safety organizations.

Its insurance loss data is particularly strong. Bodily injury claims are nearly 50% below average, signaling a lower financial risk for insurers.

2. Hyundai Santa Cruz

Average annual premium: $2,068

Starting price: $29,270

Hyundai’s Santa Cruz proves that pickups don’t have to be expensive to insure. Built in Alabama and earning Top Safety Pick honors, it undercuts the average new-vehicle premium by hundreds of dollars per year.

Parts availability and relatively low repair costs help keep claims manageable, making it one of the best insurance values in the segment.

1. Subaru Outback

Average annual premium: $1,988

Starting price: $29,593

The Subaru Outback is the cheapest new vehicle to insure overall. Its average premium comes in below $2,000—less than many older vehicles, let alone brand-new ones.

Top safety ratings and an exceptional insurance loss history seal the deal. Collision losses are roughly 38% below average, and bodily injury losses are more than 40% lower, making the Outback a clear standout.

Why these vehicles cost less to insure

Insurers don’t just look at how fast or flashy a car is. They care about repair costs, safety outcomes, theft rates, and historical claims data. Vehicles that consistently generate fewer and less severe claims tend to earn lower premiums over time.

That’s why practical SUVs with strong safety records dominate this list—and why Subaru, in particular, shows up again and again.

Final thoughts

Even if you don’t drive one of these models, you can still lower your bill. Shopping quotes regularly, maintaining a clean driving record, and choosing higher deductibles can all help. Where you live matters too—rates vary widely by state, and the cheapest model in one state isn’t always the cheapest in another.

Still, if insurance costs are a priority while shopping new, these 10 vehicles are a strong place to start.