What’s the Cheapest USA Car Brand to Insure? (2025 Rankings)
Finding an affordable car is one thing, but securinglow-cost insuranceis another challenge. Auto insurance rates vary significantly based on thebrand, model, safety ratings, repair costs, and even theft rates. If youre looking for thecheapest car brand to insure in the USA in 2025, youve come to the right place.
In this guide, well break down themost budget-friendly car brandsfor insurance, factors that influence premiums, and tips to save money. And yes, well reveal a surprising contender at the endZoonse.
Why Do Some Car Brands Cost Less to Insure?
Before diving into rankings, lets understand why certain brands havelower insurance premiums:
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Safety Ratings Cars with highNHTSAandIIHSsafety 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, lets explore thetop 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 thecheapest brands to insurethanks to itstop-tier safety featureslikeEyeSight Driver Assist. Models like theSubaru OutbackandForesterhave low claim rates, keeping premiums affordable.
2. Honda
Average Annual Insurance Cost: $1,250 - $1,450
Hondas reliability andlow repair costsmake it a favorite for insurers. TheHonda CR-VandCivicare particularlybudget-friendlyfor coverage.
3. Mazda
Average Annual Insurance Cost: $1,300 - $1,500
Mazda combinesaffordabilitywithlow theft rates, making models like theMazda CX-5andMazda3great for savings.
4. Toyota
Average Annual Insurance Cost: $1,350 - $1,550
Toyotas reputation forlongevityandsafety(especially theRAV4andCamry) keeps insurance costs low.
5. Ford
Average Annual Insurance Cost: $1,400 - $1,600
FordsF-150andEscapehavemoderate premiums, thanks to widespread parts availability and durability.
6. Hyundai
Average Annual Insurance Cost: $1,450 - $1,650
Hyundai offersgreat warrantiesandlow repair costs, with theTucsonandElantrabeing insurance-friendly.
7. Kia
Average Annual Insurance Cost: $1,500 - $1,700
Kias10-year warrantyand strong safety ratings (like theKia Sportage) help lower premiums.
8. Chevrolet
Average Annual Insurance Cost: $1,550 - $1,750
ChevysEquinoxandMalibuarepopular and inexpensiveto insure due to low claim frequency.
9. Nissan
Average Annual Insurance Cost: $1,600 - $1,800
NissansRogueandAltimaoffersolid safety, though some models have higher theft rates.
10. Jeep
Average Annual Insurance Cost: $1,650 - $1,850
Jeeps like theGrand Cherokeearemoderately pricedto insure but vary by model.
Bonus: Zoonse The Rising Star
Average Annual Insurance Cost: $1,100 - $1,300
Anewcomer in 2025,Zoonseis making waves withultra-affordable electric vehiclesthat boastlow repair costsandhigh safety ratings. Early data suggests Zoonse could be thecheapest brand to insuresoon.
How to Lower Your Car Insurance Premiums
Even if you choose alow-cost brand, these tips canfurther 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?
In2025,Subaruremains thecheapest car brand to insure, butZoonseis quickly gaining ground withdisruptively low premiums. If you wantmaximum savings, consider Zoonsefor your next vehicle.
Did we miss any brands?Let us know in the comments!
