What cars will cost you more to insure in 2025? Here’s the list

Why Some Cars Cost Less to Insure

Car insurance prices can seem confusing, but they mostly come down to how risky the insurer thinks the car is. If a car is cheaper to fix and has strong safety ratings, it’s likely to be cheaper to insure.

Insurers love cars that are low maintenance and low risk. That’s why family SUVs and mid-size trucks often cost less to insure. By driving a safe, affordable car, you lower the chance of a big claim, which saves you money on premiums.

SUVs and Trucks Take the Lead

SUVs and trucks aren’t just big and strong, they’re also insurance-friendly. Because of their size and safety features, these vehicles tend to be safer in accidents.

They’re less likely to be driven recklessly compared to flashy sports cars. Insurance companies know this, so they offer lower rates for many trucks and SUVs, which helps you save.

Subaru Outback Is A Top Pick

The Subaru Outback continues to be one of the cheapest cars to insure. With an average premium of $2,227 per year, it offers savings on insurance along with its rugged design and reliable performance.

Its safety features and reasonable repair costs make it a top pick for both drivers and insurers. The Outback is practical and versatile, built for adventure and family trips.

Honda CR-V’s Low Insurance Costs

If you’re looking for a vehicle that’s easy on the insurance bill, the Honda CR-V might be perfect. With an average premium of $2,262 per year, it’s one of the most affordable options for coverage.

The CR-V is built with strong safety features and a solid reputation for reliability, which insurance companies love. Its parts are easy to replace and repairs tend to be straightforward.

Toyota Tacoma Truck Meets Savings

Trucks are often thought of as expensive to own, but not the Toyota Tacoma. It’s one of the cheapest trucks to insure, with an average premium of $2,377 a year.

The Tacoma’s solid build and durability make it a low-risk option for insurance companies. Drivers love its toughness and versatility, whether hauling supplies or heading off-road.

Avoid the Audi R8 Quattro

Thinking about splurging on the Audi R8 Quattro? Think again. It comes with a hefty average insurance cost of $6,591 a year.

This luxury car’s high price tag, costly repairs, and fast performance make it risky for insurers. While it might be a dream car for many, its insurance bill could easily blow your budget.

Honda Civic Stays Budget-Friendly

The Honda Civic continues to be a reliable choice for drivers looking to save on insurance. Its average premium is $2,654 per year, making it one of the more affordable cars to insure.

Known for its dependability and easy-to-find parts, the Civic is a favorite for both new and experienced drivers. Insurance companies appreciate its track record for safety and reliability.

Mazda 3 Is A Small Car With Big Savings

Don’t overlook the Mazda 3 if you’re searching for a budget-friendly insurance rate. With an average premium of $2,713 per year, it’s an affordable option for drivers wanting style and savings.

The Mazda 3 offers good safety features and manageable repair costs, making it less risky for insurers. Its smaller size means it’s easy to maneuver and doesn’t come with the high costs of bigger vehicles.

Why Safety Features Matter

Safety features aren’t just there to protect you, they also protect your wallet. Vehicles equipped with advanced technology like automatic braking, lane departure warnings, and blind-spot monitors often qualify for lower insurance rates.

These features reduce the chance of accidents and make the car less risky for insurers to cover. So, when you’re car shopping, looking for models with built-in safety tech can lead to big savings on your insurance bill.

High-Tech Repairs Can Cost You

Luxury cars with high-end tech features are great until they need repairs. Those fancy touchscreens, cameras, and sensors aren’t cheap to fix, and insurers know it.

That’s why cars packed with advanced technology often come with higher premiums. Even a minor accident could mean big repair bills, which makes the insurance company’s risk higher.

The Tesla Price Tag

Tesla’s sleek, all-electric Model S Plaid might turn heads, but it also comes with a steep insurance price. With an average annual premium of $5,484, it’s not cheap to cover.

Electric cars like Teslas can be pricey to repair, and parts are often unique and specialized. The advanced technology and luxury features add to the insurance cost, making them more expensive to own over time.

Trucks Like the Ford F-150 Keep Costs Low

The Ford F-150, one of America’s best-selling trucks, is also budget-friendly when it comes to insurance. Its average premium of $2,611 makes it a smart choice for drivers who need a reliable workhorse.

The F-150’s durable build and safety features lower the risk for insurers, resulting in affordable coverage. Drivers love its practicality for hauling gear, tackling tough jobs, or just cruising around town.

SUVs Are Built for Protection

SUVs like the Honda Pilot and Subaru Forester are known for their size and safety, which insurance companies love. These vehicles offer protection for passengers and are less likely to get totaled in an accident.

That added safety can mean lower premiums for drivers. SUVs also have features like stability control and multiple airbags, making them appealing for families and anyone who values protection on the road.

Why Your Zip Code Matters

Your car’s insurance premium isn’t just about the car, it’s also about where you live. Insurance companies consider local factors like accident rates, crime levels, and even weather conditions when setting premiums.

If you live in an area with high theft or accident risks, your insurance costs will likely be higher. On the other hand, areas with fewer claims and safer streets tend to enjoy lower rates.

Older Cars Can Be Cheaper to Insure

Older vehicles often come with lower insurance premiums because their market value is less, which means the insurance company’s payout would be smaller in the event of a total loss.

However, these cars might not have the latest safety technology, which could slightly increase rates. Still, an older, well-maintained car can be a smart pick if you’re looking to keep insurance costs low.

If you’re into timeless rides, check out these coolest 60s and 70s cars that still have serious style.

Keep Insurance Costs in Mind When Car Shopping

When buying a car, it’s easy to focus on the price tag or monthly payment, but don’t forget the insurance costs. Insurance makes up a big chunk of what you’ll pay over the years.

Even a budget-friendly car can come with high premiums, and a pricier model might surprise you with low rates. Think about both the car’s cost and its insurance premium when deciding.

Want to keep your EV costs low? Check out this handy Ford tool that can help you save big on electric vehicles.

Got a favorite car that’s easy on the wallet? Share your pick in the comments.

Read More From This Brand:

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• BYD Seagull Leading the Charge in Affordable EVs

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This slideshow was made with AI assistance and human editing.