By DCB Editorial, September 2, 2025
Car insurance prices keep rising, but not every car costs the same to cover. Some models are much cheaper to insure because they are safe, easy to repair, and less likely to be stolen. At EpicVIN, we studied our database of over 50 million U.S. vehicles to see which cars really save money on insurance in 2025.
Why Some Cars Cost Less to Insure
Repair costs: Cheaper and common cars have lower repair bills, so insurance is lower.
Safety ratings: Cars with top crash scores from IIHS and NHTSA get discounts.
Theft rates: If thieves avoid a model, insurance companies do too.
Driving style: Cars used by families or commuters get fewer accident claims than sports cars.
The Cars With the Lowest Insurance Costs
Based on 2025 policy data and vehicle history reports, here are the standouts:
Subaru Outback – One of the most affordable cars to insure, average full coverage around $2,200/year. Safe, trustworthy, and a hit with families.
Honda CR-V – About $2,300/yr, mainly because of its low-cost replacement parts and favorable safety record.
Toyota Tacoma – Roughly $2,340 per year, a truck that retains value but is still cheaper to insure than other trucks.
Mazda CX-5 – Our data shows some policies as low as $1,800/year. Compact SUV with strong safety records.
Honda Odyssey – Minivans often win on low premiums. The Odyssey sits near the $2,400/year range.
Jeep Wrangler – Not the cheapest to buy, but average insurance is around $2,350/year—lower than most SUVs.
EpicVIN analysis shows that family SUVs and minivans consistently beat sedans and luxury cars in insurance pricing.
What Drivers Are Saying on Forums
Insurance costs aren’t just numbers. Real owners share their experiences too:
On Reddit, one driver reported paying only $831 for six months on a Nissan Leaf – see thread
Another Redditor explained how their old Honda Impreza was one of the cheapest cars they ever insured – read here
On LeaseHackr, people found Mazda CX-5 and Subaru Forester to be strong low-cost choices – discussion here
These personal stories match our database research: Subaru, Honda, Toyota, and Mazda dominate the low-insurance group.
According to Alex Black, CMO at EpicVIN:
“People often assume the cheapest car to buy will also be the cheapest to insure. Our research shows the opposite. The lowest insurance rates are linked to cars with a long record of safety, low theft risk, and wide availability of parts. That’s why models like the Subaru Outback and Honda CR-V keep appearing at the top of our lists year after year.”
Tips to Keep Insurance Costs Low
Even with the right car, you can save more by:
Keeping a clean driving record.
Choosing higher deductibles if you can afford them.
Bundling car and home insurance policies.
Comparing quotes every year — insurers change prices often.
Final Thoughts
The cost of insurance varies by area you live in, age, and record of driving. However, the actual car has a lot to do with it. Subaru, Honda, Toyota, Jeep, and Mazda vehicles are still the least expensive options in 2025.