Choosing a car isn’t just about a low sticker price because insurance premiums can add up quickly and shape your real cost of ownership.
According to CarEdge, some models consistently outperform others for cheap coverage thanks to strong safety ratings and low repair costs. Market trends suggest that crossovers, compact SUVs and certain trucks are dominating the affordable insurance rankings, largely due to their advanced safety features and favorable claims history.
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After combing through this year’s essential rankings from multiple sources, these five cars stand out repeatedly, earning high marks for cheap coverage and solid protection.
Mazda CX-5
CarEdge said the Mazda CX-5 leads the pack for cheapest insurance, with an average annual premium of just $1,912 for a 40-year-old driver with good credit and a clean record.
Insurance professionals highlight its strong safety features, affordable repair costs and claims history as key reasons for favorable premiums over competing crossovers. Family drivers and solo commuters alike benefit from the CX-5’s blend of advanced driver-assist features and reliability, making it a smart financial option for 2025.
CX-5’s comprehensive safety suite helps reduce injuries and accidents, which directly lowers premiums year over year. Many insurers note that low repair frequency and competitive parts pricing make the CX-5 an attractive option for those seeking to save on both policy and maintenance bills.
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Honda CR-V
The Honda CR-V isn’t far behind, routinely earning $1,916 per year in insurance premiums, per CarEdge.
This favorite benefits from advanced safety features and a muted theft profile, making it one of America’s safest and most insurable SUVs, according to insurance researcher Chong Gao at Mercury. Drivers enjoy reliability, straightforward repairs and wallet-friendly year-over-year insurance costs.
Furthermore, Honda’s focus on crash protection and accessibility means coverage is not just affordable but stable, appealing to family drivers and commuters alike. The CR-V’s blend of tech, comfort, and competitive ownership costs puts it squarely on the insurance industry’s shortlist for 2025 savings, according to Trusted Choice review data.
Hyundai Kona
The Hyundai Kona breaks expectations with its combination of affordable insurance and trendy appeal, averaging $1,925 per year by CarEdge’s account.
Kona’s modern safety features, low repair costs and parts availability, citing insurer preference for vehicles with steady ownership and affordable claims history. Drivers appreciate Kona’s robust protection, smart tech and the chance to keep insurance bills relaxed year after year.
Kona’s growing popularity with individual and fleet buyers isn’t accidental; insurance agents repeatedly rank it among the least risky, meaning lower premiums straight across the board. This vehicle can pass as this year’s “best new crossover” for affordable insurance and everyday ownership.
Subaru Outback
Subaru’s Outback rounds out the list of practical, affordable SUVs. It secures an average annual premium of $1,929 according to CarEdge, and $2,227 according to Trusted Choice rankings.
American insurers note the Outback’s robust build, premium driver safety ratings and affordable repairs. In addition, Subaru’s reputation for reliability and low theft risk is instrumental in driving down premiums for Outback owners.
CarEdge analysts emphasize that Outback’s history of strong crash-test results and low claims frequency keeps annual costs predictable for buyers committed to budget management. This balance of versatility and practical insurance savings lands the Outback among the top bargains of 2025.
Jeep Wrangler
It may surprise some, but the Jeep Wrangler rounds out this list as a leader for insurance savings.
According to CarEdge Wrangler owners average $1,949 in annual premiums. Its sturdy engineering, number of standard safety features and a market reputation for low claim costs enable agents to offer competitive rates.
Trusted Choice observes that high safety scores and easy nationwide servicing makes insurers not hesitate to offer deals to Wrangler buyers. Owner surveys and agent commentary further bolster the Wrangler’s standout status, noting how its basic architecture reduces insurer risk, allowing drivers to access cost-effective protection each renewal cycle. With its iconic blend of capability and insurance-friendliness, Jeep’s classic 4×4 delivers on budget promises and reliability, year after year.
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This article originally appeared on GOBankingRates.com: The 5 Cheapest Cars To Insure in 2025
