8 Safest and Cheapest Cars To Insure
Car insurance premiums have surged in 2025, with the national average for full coverage reaching $2,685 annually. However, selecting the right vehicle can lead to significant savings. Certain models combine top-tier safety features with affordability, resulting in lower insurance costs. Whether you’re a new driver, a parent shopping for a teen, or simply budget-conscious, these eight vehicles stand out for their safety and cost-effectiveness.
1. Honda CR-V
The Honda CR-V consistently ranks as one of the cheapest cars to insure. With an average annual premium of $1,932, it’s about $753 below the national average. Its high safety ratings, including a 2025 IIHS Top Safety Pick, contribute to its low insurance costs. Features like lane-departure warning and automatic emergency braking enhance its appeal. The CR-V’s reliability and fuel efficiency make it a favorite among families and commuters alike.
2. Mazda CX-5
The Mazda CX-5 offers a blend of style, safety, and affordability. Drivers pay an average of $1,877 annually for insurance, making it $1,018 less than the national average. Its strong safety scores and advanced driver-assistance features reduce risk on the road. The CX-5’s upscale interior and responsive handling add to its value proposition. It’s an excellent choice for those seeking a premium feel without the premium price.
3. Subaru Outback
The Subaru Outback is renowned for its safety and practicality. With an average insurance premium of $1,893, it’s $1,002 below the national average. Standard all-wheel drive and a suite of safety features, including adaptive cruise control, contribute to its low insurance rates. The Outback’s spacious interior and off-road capability make it versatile for various lifestyles. It’s a solid pick for those needing reliability in diverse driving conditions.
4. Hyundai Kona
The Hyundai Kona stands out with its modern design and safety credentials. Drivers pay approximately $1,890 annually for insurance, saving about $1,005 compared to the national average. Its compact size and advanced safety features, like forward-collision warning, make it ideal for urban driving. The Kona’s affordability doesn’t compromise on technology or comfort. It’s a smart choice for budget-conscious drivers seeking a feature-rich vehicle.
5. Subaru Forester
The Subaru Forester combines safety, space, and efficiency. With an average insurance cost of $2,013 annually, it’s among the more affordable options. Its high safety ratings and standard all-wheel drive enhance its appeal to families and outdoor enthusiasts. The Forester’s visibility and user-friendly technology contribute to its popularity. It’s a dependable choice for those valuing practicality and peace of mind.
6. Hyundai Tucson
The Hyundai Tucson offers a balance of affordability and advanced features. Insurance premiums average $1,905 annually, providing significant savings. Its safety suite includes features like blind-spot monitoring and rear cross-traffic alert. The Tucson’s comfortable ride and modern infotainment system enhance the driving experience. It’s an attractive option for those seeking value without sacrificing amenities.
7. Jeep Wrangler
The Jeep Wrangler, known for its ruggedness, also offers insurance savings. With an average annual premium of $1,913, it’s $982 below the national average. Its simple design and durable construction contribute to lower repair costs, influencing insurance rates. The Wrangler’s off-road capabilities don’t compromise its safety features. It’s a unique blend of adventure and affordability for enthusiasts.
8. Kia Niro
The Kia Niro, available in hybrid and electric variants, is both eco-friendly and economical. Drivers pay around $1,914 annually for insurance, making it an affordable choice. Its safety features and low operating costs appeal to environmentally conscious drivers. The Niro’s compact size and efficient design suit urban lifestyles. It’s an excellent option for those prioritizing sustainability and savings.
Making the Right Choice for Your Wallet and Well-being
Selecting a vehicle with high safety ratings and low insurance costs is a strategic move in 2025’s economic climate. The models listed above offer a combination of protection, reliability, and affordability. By choosing wisely, drivers can enjoy peace of mind on the road and in their finances. Always consider total ownership costs, including insurance, when purchasing a vehicle. Your choice today can lead to substantial savings tomorrow.
Have you found a vehicle that balances safety and low insurance costs? Share your experiences and recommendations in the comments below!
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