Insurance premiums can add up quickly, but some vehicles stand out for their ability to keep costs down and save you money. While the models on this list are among the most affordable to insure, individual premiums may vary based on driving history, location, and coverage choices.

Subaru Forester (2019–2025)

Drivers looking for a reliable SUV that won’t break the bank on insurance often turn to the Subaru Forester. Its strong crash-test ratings and practical design contribute to reasonable premiums, averaging around $1,887 per year. With moderate repair costs and excellent visibility, it’s a smart choice for safety-conscious buyers.

Honda Odyssey (2018–2025)

For families, few vehicles match the practicality of the Honda Odyssey. Designed with ample space and high-end safety features, this minivan offers peace of mind on the road. Despite its larger size, insurance remains affordable at approximately $1,252 annually.

Toyota Aygo X (2022–2025)

With an average annual insurance premium of $317.74 (£309.34), the Toyota Aygo X stands out as one of the most budget-friendly cars to insure. City drivers often gravitate toward this compact hatchback for its nimble handling and affordability. Its small engine size not only helps with fuel efficiency but also contributes to lower coverage costs.

Hyundai i10 (2020–2025)  

Compact, efficient, and well-equipped, this car strikes a balance between practicality and affordability. Its low running costs extend to insurance, where owners pay around $715.64 (£696.72) annually. Designed for urban and suburban drivers, this hatchback remains one of the most value-for-money options on the market.

Skoda Fabia (2021–2025)

The $344.33 (£335.23) average insurance premium makes Skoda Fabia a standout option for those looking to cut down on ongoing vehicle expenses. This car has long been favored for its dependable performance and competitive ownership costs. Meanwhile, strong safety ratings and relatively inexpensive repairs contribute to its lower insurance rates.

Volkswagen Polo (2017–2025)

This well-known hatchback continues to be a strong contender for cost-conscious drivers. Its reputation for durability and safety ensures consistently low premiums, which makes the Volkswagen Polo a logical choice for those looking to balance affordability with reliability. On average, insurance costs $347.91 (£338.71) per year.

Kia Sportage (2022–2025)

With a spacious interior and a suite of modern safety features, the Kia Sportage is an appealing option for families and solo drivers alike. Despite being an SUV, it maintains reasonable insurance costs, averaging around $637.31 (£620.46) per year, thanks to its impressive safety credentials.

Ford Kuga (2020–2025)

Offering a comfortable ride and a variety of advanced safety features, it strikes a solid balance between cost and performance. Insurance premiums, averaging around $656.81 (£639.45) annually, reflect its dependability. Another factor working in the Kuga’s favor is its fuel efficiency, particularly in its hybrid and plug-in hybrid variants.

Subaru Outback (2020–2025)

The rugged Subaru Outback is a top pick for drivers who need versatility. This vehicle maintains a solid safety profile, helping to keep insurance rates at a reasonable $1,512 per year. Additionally, maintenance and repair costs remain reasonable, which reinforces the Outback’s reputation as a cost-efficient vehicle to own.

Honda CR-V (2017–2025)

The Honda CR-V stands out in the compact SUV segment with its blend of practicality and impressive fuel efficiency. With an insurance premium averaging $634.70 (£617.92) annually, it remains a go-to choice for those looking for a spacious, reliable vehicle that won’t lead to excessive coverage costs.