Cheapest Cars to Insure by make and model.
October 21, 2025, WalletHub
What makes a car either cheap or expensive to insure?
Insurance costs are largely driven by risk. Cars that are cheaper to insure typically have lower repair costs, strong safety ratings, and fewer theft claims. Vehicles with advanced safety technology, lower horsepower, and a proven reliability record generally cost less to insure. On the other hand, cars that are expensive to repair, high-performance, or statistically more likely to be in accidents or stolen tend to carry higher premiums. It is based on statistics.
Do you think buying a certain type of car is the best way to save money on auto insurance?
It’s one of several important factors, but not the only one. The make and model certainly matter, but so do your driving record, location, credit score, and how you use the vehicle. Choosing a practical, safety-rated vehicle can reduce premiums, but maintaining a clean record and good credit will usually have an even greater long-term impact. I tell people to buy the car they feel most confident and comfortable driving and then take care not to be involved in an accident and keep an eye on your credit rating. Again, so much of your premium is rated on statistics in underwriting.
What tips do you have for people who want to save money on their insurance?
I recommend consumers shop around when renewing their policy. Insurers weigh risk differently, and rates can vary significantly. Bundle your home and auto policies, if possible, to get the best rates. Adjust deductibles based on your financial comfort level carrying the highest deductible you are comfortable, and don’t overlook discounts for safe driving, low mileage, or completing defensive driving courses.
Do you have any advice for people who are shopping for a cost-effective car?
This is changing significantly, and it is more important than ever to consider total ownership cost, not just the sticker price. A car with great fuel economy, affordable maintenance, and lower insurance premiums may cost far less to own over time than other options. Research safety ratings, claim statistics, and parts availability. Simple things such as types of tires and what they cost can make a difference. Maintenance costs is becoming a huge factor and differs among brands and models. When considering the lifespan of a vehicle the hidden details can save or cost thousands.
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