In 2025, the cheapest insurance vehicles are mostly non-premium practical crossovers and small SUVs. Echos through several rankings: Subaru Forester/Outback, Honda CR-V, Mazda CX-5, Toyota Tacomic/RAV4, Jeep Wrangler, Ford Escape

Why? They resound at high safety values, run on easy-to-source parts, and are less expensive to fix.

What the rankings say

– Mazda CX-5 and Subaru Forester appear as the lowest-cost options in some reports.

– Subaru Outback, Honda CR-V, Toyota Tacoma continue value options for full coverage.

– Honda CR-V, Jeep Wrangler, Subaru Crosstrek, Toyota RAV4 are also consistently named as safe bets.

Important: Each ranking uses different driver profiles and coverage assumptions. That’s why prices look different from one site to another. Always get quotes for your own ZIP code.

EpicVIN research: what actually moves your premium

EpicVIN analysts compared national rankings with our own vehicle history database. We see millions of VIN-level accident and repair reports every year. That gives us a unique look at what lowers insurance costs:

– “Boring is beautiful.” Cars with average horsepower and standard safety systems cause fewer severe claims.

– Common parts = faster repairs. Popular models with easy bumper and glass replacements get fixed quicker and cheaper.

– Theft risk matters. Cars with lower theft rates and factory immobilizers avoid big surcharges.

– Tech repair costs. Advanced driver-assist systems raise costs if calibration is expensive. Cars with cheaper sensor layouts tend to get better premiums.

Quick picks for 2025

Here are models that often bring lower quotes this year:

Subaru Outback / Forester – Strong safety scores and manageable repair costs.

Honda CR-V – Reliable, with a huge supply of parts.

Toyota RAV4 / Tacoma – Robust, ubiquitous service parts.

Ford Escape / Jeep Wrangler (base models)- Inexpensive in most states.

Tip: Hybrids such as the RAV4 Hybrid and CR-V Hybrid occasionally ring in less expensive than you’d think due to the well-acquainted repair procedures.

What about EVs?

There was less difference between EVs and gas-cars in 2025.

Nevertheless, certain well-liked EVs—such as the Tesla Model Y—have higher prices due to difficult right repairs.

Mainstream EVs with simpler parts (for example, Nissan Leaf) may price surprisingly well. Always check multiple carriers.

Real voices from Reddit

Drivers share their real quotes and surprises:

A user tested several models and found the Miata cheaper to insure than many SUVs. See the thread

Los Angeles residents complain even compact cars come with very high premiums in their city. See the thread

Shoppers note older EVs like the Leaf sometimes quote lower than expected. See the thread

If you’re buying soon, do this first

Pick 3–5 target models and request quotes for base trims.

Keep coverage apples-to-apples. Same limits, same deductibles.

Ask about safety/anti-theft discounts. Many carriers offer them.

Test higher deductibles. Lower monthly premium, higher risk if you crash.

Check bundles. Home + auto packages often cut costs.

Why these models win in 2025

Safety ratings: Fewer and smaller claims.

Parts pricing: Repairs are quicker and cheaper.

Theft risk: Lower risk means lower premiums.

Trim choice: Base trims with basic wheels and tires are cheaper to fix.

Cars that often cost more

High-performance trims with track packages.

Luxury models with expensive bodywork.

EVs with complicated sensor layouts.

Popular theft targets in certain regions.

The Bottom Line

To achieve lower insurance for 2025, begin it all with the Outback, Forester, CR-V, CX-5, Escape, RAV4

EVs range between being affordable to being extremely costly. Always shop around.

Your location and driving record still matter most. Compare quotes before you buy.