12 Cars That Cost Nothing to Insure

We all know that buying a car is just the beginning, as insurance can quietly drain your wallet long after the paperwork is signed.

But not all cars are created equal when it comes to premiums. In fact, some models are insurance goldmines, racking up stellar safety scores, low repair bills, and a reputation for being driven by cautious types.

Whether you’re a first-time buyer or just looking to cut costs, here are 12 cars that practically pay you back in peace of mind, because who doesn’t love saving money on something you have to buy?

1. Subaru Outback

With top-tier safety ratings and a strong following among practical, safety-minded drivers, the Subaru Outback is an insurer’s dream. It’s loaded with advanced driver-assist features like EyeSight, which significantly lowers accident risk.

Its rugged build and family-friendly design don’t hurt either. It’s the crossover you can confidently take into the woods and into town. Insurance companies reward that kind of reliability with lower premiums across the board.

2. Honda CR-V

This small SUV has long been one of the most affordable cars to insure thanks to its high safety scores and widespread availability of parts. It’s the poster child for sensible, responsible driving, exactly what insurance underwriters love.

Plus, repair costs are minimal, and theft rates are relatively low. All this adds up to surprisingly low premiums for a very popular vehicle.

3. Mazda CX-5

Not only is the CX-5 stylish and fun to drive, but it also scores big points with insurers. Its combination of excellent crash-test results, standard safety tech, and a low theft rate help keep insurance premiums in check.

Mazda has done a great job blending upscale touches with practical value, making it a win-win for drivers and insurers alike. Think of it as a budget-friendly luxury-lite with a responsible heart.

4. Ford Escape

The Ford Escape is a compact SUV that’s easy on both your wallet and your insurance agent’s nerves. Its safety record and modest price point mean it’s cheaper to repair, and less risky to insure.

Add to that a large user base and available safety features, and you’ve got a dependable, affordable daily driver. Insurance companies like cars they can predict, and the Escape is as predictable as it gets—in the best way.

5. Hyundai Tucson

Hyundai has built its reputation on value, and the Tucson is no exception. With a low MSRP, excellent warranty coverage, and high safety scores, it’s a triple threat to high insurance rates.

Plus, its reliability ratings mean fewer claims overall. This SUV proves you don’t have to sacrifice style or comfort just to keep your premiums down.

6. Toyota Prius

Hybrid efficiency isn’t the Prius’s only superpower—it’s also one of the cheapest cars to insure. Its modest power output, excellent safety features, and reputation for responsible ownership all contribute to low premiums.

The Prius isn’t likely to be raced or wrecked, which keeps insurers calm and rates low. It’s a frugal choice from every angle.

7. Chevrolet Equinox

The Equinox sits right in the sweet spot: it’s not flashy, but it’s comfortable, safe, and dependable. Insurance companies like it because drivers of Equinoxes tend to be more cautious and claims are less frequent.

Parts are easy to find and cheap to replace, which lowers repair costs and insurance payouts. In other words, it’s the automotive version of a safe bet.

8. Kia Soul

The Kia Soul may have quirky looks, but it’s very serious when it comes to affordability. Its boxy shape translates to excellent visibility and lower accident risk, an underrated insurance factor.

With good crash-test performance and a low cost to fix, it’s often cheaper to insure than flashier compact cars. It’s the hip-but-practical pick that gives you both personality and savings.

9. Volkswagen Golf

The Golf combines European driving charm with solid safety features, making it a favorite for budget-conscious drivers who still like some zip. Thanks to its modest size and reputation for responsible driving behavior, insurance rates are generally low.

While repair costs can be a bit higher than domestic brands, its strong crash performance offsets the difference. A great option for city dwellers who want agility without a high premium.

10. Honda Fit

Small but mighty, the Honda Fit has built a loyal following for its reliability, low maintenance costs, and ultra-efficient fuel economy. It also happens to be incredibly affordable to insure due to its compact size and low accident rates.

It’s a favorite among cautious, cost-savvy drivers, aka an insurer’s ideal customer. The Fit proves you don’t need to spend big to play it smart.

11. Nissan Rogue

The Rogue is one of Nissan’s top sellers, and part of its appeal lies in its safety and insurance affordability. Loaded with standard safety tech and designed for easy handling, the Rogue is built to avoid trouble.

Repair costs are manageable and its large market presence keeps parts affordable. It’s a practical pick for drivers looking to save on all fronts.

12. Buick Encore

The Buick Encore might fly under the radar, but it’s a sneaky-good choice for those wanting premium comfort without the premium insurance cost. It’s small, safe, and geared toward mature drivers: three things insurance companies love.

Thanks to a strong safety reputation and fewer claims, it regularly posts lower-than-average insurance costs. Not bad for a car with a little bit of class baked in.