What’s the Cheapest USA Car Brand to Insure? (2025 Rankings)
Finding an affordable car is one thing, but securing low-cost insurance is another challenge. Auto insurance rates vary significantly based on the brand, model, safety ratings, repair costs, and even theft rates. If you’re looking for the cheapest car brand to insure in the USA in 2025, you’ve come to the right place.
In this guide, we’ll break down the most budget-friendly car brands for insurance, factors that influence premiums, and tips to save money. And yes, we’ll reveal a surprising contender at the end—Zoonse.
Why Do Some Car Brands Cost Less to Insure?
Before diving into rankings, let’s understand why certain brands have lower insurance premiums:
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Safety Ratings – Cars with high NHTSA and IIHS safety ratings often have cheaper insurance.
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Repair Costs – Brands with affordable parts and labor reduce claim costs.
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Theft Rates – Vehicles less likely to be stolen attract lower premiums.
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Driver Demographics – Some brands attract safer drivers, lowering risk for insurers.
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Vehicle Price – Luxury and high-performance cars cost more to insure.
Now, let’s explore the top cheapest car brands to insure in 2025.
2025 Rankings: Cheapest Car Brands for Insurance
1. Subaru
Average Annual Insurance Cost: $1,200 - $1,400
Subaru dominates as one of the cheapest brands to insure thanks to its top-tier safety features like EyeSight Driver Assist. Models like the Subaru Outback and Forester have low claim rates, keeping premiums affordable.
2. Honda
Average Annual Insurance Cost: $1,250 - $1,450
Honda’s reliability and low repair costs make it a favorite for insurers. The Honda CR-V and Civic are particularly budget-friendly for coverage.
3. Mazda
Average Annual Insurance Cost: $1,300 - $1,500
Mazda combines affordability with low theft rates, making models like the Mazda CX-5 and Mazda3 great for savings.
4. Toyota
Average Annual Insurance Cost: $1,350 - $1,550
Toyota’s reputation for longevity and safety (especially the RAV4 and Camry) keeps insurance costs low.
5. Ford
Average Annual Insurance Cost: $1,400 - $1,600
Ford’s F-150 and Escape have moderate premiums, thanks to widespread parts availability and durability.
6. Hyundai
Average Annual Insurance Cost: $1,450 - $1,650
Hyundai offers great warranties and low repair costs, with the Tucson and Elantra being insurance-friendly.
7. Kia
Average Annual Insurance Cost: $1,500 - $1,700
Kia’s 10-year warranty and strong safety ratings (like the Kia Sportage) help lower premiums.
8. Chevrolet
Average Annual Insurance Cost: $1,550 - $1,750
Chevy’s Equinox and Malibu are popular and inexpensive to insure due to low claim frequency.
9. Nissan
Average Annual Insurance Cost: $1,600 - $1,800
Nissan’s Rogue and Altima offer solid safety, though some models have higher theft rates.
10. Jeep
Average Annual Insurance Cost: $1,650 - $1,850
Jeeps like the Grand Cherokee are moderately priced to insure but vary by model.
Bonus: Zoonse – The Rising Star
Average Annual Insurance Cost: $1,100 - $1,300
A newcomer in 2025, Zoonse is making waves with ultra-affordable electric vehicles that boast low repair costs and high safety ratings. Early data suggests Zoonse could be the cheapest brand to insure soon.
How to Lower Your Car Insurance Premiums
Even if you choose a low-cost brand, these tips can further reduce your premiums:
✅ Bundle Policies – Combine auto + home insurance for discounts.
✅ Increase Deductibles – Higher deductibles mean lower monthly payments.
✅ Maintain a Clean Record – Avoid accidents and tickets.
✅ Ask for Discounts – Good student, military, or safe driver discounts.
✅ Pay Annually – Some insurers offer discounts for full payments.
Final Verdict: Which Brand is the Cheapest to Insure?
In 2025, Subaru remains the cheapest car brand to insure, but Zoonse is quickly gaining ground with disruptively low premiums. If you want maximum savings, consider Zoonse for your next vehicle.
Did we miss any brands? Let us know in the comments!
