The most expensive and cheapest cars to insure in 2025

Our data shows that the Maserati Quattroporte, Maserati Ghibli, and BMW M8 Gran Coupe are among the priciest cars to insure.

The cheapest cars to insure are the Honda CR-V, Honda HR-V, Volkswagen Tiguan, and Hyundai Venue.

Each year, we compare car insurance rates in every state to compile a comprehensive ranking of vehicle insurance based on make, model, and type. We collected insurance quotes from several major insurance carriers and averaged the premiums to determine this year’s most expensive and cheapest cars to insure. 

What to consider when picking a car — beyond the price tag

Determining the best vehicle for you doesn’t just come down to cost. Family size, transportation needs, commuting and recreation habits are also consideration points.

One way to save money on car insurance premiums is to purchase a vehicle with high safety ratings and low repair parts. These aspects often lessen the assessed risk that car insurers may consider when setting premium rates. 

Jim Brau, the Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business, says that inexpensive, older vehicles are cheaper to insure because the repairs are less costly.

“Insurance firms will try to predict what hazards owners of a particular vehicle present and how expensive it will be to fix or total a specific vehicle,” Brau says.

The cheapest cars to insure

The Honda CR-V, Honda HR-V, Volkswagen Tiguan, and Hyundai Venue are among the cheapest cars to insure. The Honda CR-V leads the list, with an average annual premium of $1,932, or about $161 monthly.

This vehicle is likely the most affordable because it has a range of safety features, including lane-departure warning, automatic emergency braking, and blind-spot detection. It’s also been named a 2025 Top Safety Pick by the Insurance Institute for Highway Safety (IIHS). You can find the annual and monthly insurance rates for the most affordable cars to insure in the table below.

Cheapest cars to insure by insurance company

When it comes to finding the cheapest car insurance premiums, shopping around is your best bet. Car insurance companies set premiums based on proprietary calculations of your location, vehicle make/model, age, gender, driving history, and credit history (in certain states). 

The car insurance companies offering affordable premiums for the cheapest models include Nationwide and GEICO. The cheapest cars to insure vary a bit when you analyze the rates by company. By carrier, the cheapest vehicle is the Honda CR-V insured by Nationwide, followed by the Subaru Forester. See more rates in the table below.

The most expensive cars to insure

It’s no surprise that supercars and luxury models top the list. Their sleek designs, high performance, and hefty price tags make them standouts on the road – and expensive to repair or replace. That’s why they come with higher insurance premiums. In 2025, some of the most expensive cars to insure include the Maserati Quattroporte, Maserati Ghibli, and BMW M8 Gran Coupe.

The premiums on these vehicles are generally higher than most because they have limited and expensive replacement parts and can hit excessively high speeds, making them a high-risk vehicle for accidents, fatalities and theft. 

Topping the list of the most expensive cars to insure is the Maserati Quattroporte, with an average monthly premium of $591. The Maserati Ghibli follows it at $532 per month and the BMW M8 Gran Coupe at $499. You can find more high-cost models and their rates in the table below.

Most expensive cars to insure by insurance company

Finding affordable car insurance for a luxury or supercar model is possible, and it may depend on the vehicle’s safety features. The most expensive vehicle on our list is the Maserati Quattroporte when insured by Allstate.

Check out the table below for a full breakdown of rates on the most expensive cars to insure.

Cheapest cars to insure by driver

Some of the cheapest cars to insure have high safety ratings and low claim rates. 

According to the Highway Loss Data Institute (HLDI), vehicles such as station wagons, SUVs, and minivans from the 2021-23 model years generally exhibited lower bodily injury liability claim frequencies than smaller cars. This trend is attributed to the enhanced protection these larger vehicles offer occupants during collisions, resulting in fewer injury claims.

While these types of cars may bring in a lower premium quote, other factors, such as age, gender, and driving history, can impact the total amount you pay for car insurance. 

Cheapest cars to insure for young drivers

An 18-year-old driver can expect to pay an average of $9,742 yearly for their car insurance premium. 

A young driver can expect to pay around $7,038 per year to insure a Honda CR-V — that’s $5,106 more than the $1,932 annual premium a 40-year-old might pay for the same vehicle.

While the following rates are more affordable than those for the most expensive cars or cars with the highest insurance rates, they are still exceedingly high for car insurance. Young drivers pay more than most others but can find cost savings by asking about discounts, such as those for good drivers or maintaining a certain grade point average.

Most expensive cars to insure by driver

When it comes to premium hikes, a driver’s age is a huge consideration. Typically, the younger the person, the riskier their driving. This is due to inexperience, speeding and distracted driving behaviors. Rates tend to drop as drivers age and if they have a clean driving record and limited claims. 

According to the most recent data from the National Highway Traffic Safety Administration (NHTSA), traffic fatalities among people aged 15 to 20 increased by 5.3% from 2022 to 2023, rising from 3,448 to 3,632 deaths. In contrast, all other age groups saw a decrease in fatalities, with the largest drop among 25- to 34-year-olds.

Most expensive cars to insure for young drivers

When it comes to car insurance, age is far more than just a number. Younger drivers typically face much higher premiums, and the difference can be dramatic. For example, an 18-year-old male insuring a Maserati Quattroporte could be paying as much as $26,802 per year.

By comparison, a 40-year-old male insuring the same car would pay significantly less — about 74% less — with an average annual premium of $7,090, or $591 per month.

Most and least expensive cars to insure by vehicle type

SUVs are safer in collisions than smaller sedans and are often cheaper to insure. However, this depends on the type and size of the SUV. In some instances, SUV premiums may be most costly due to the risk of rollover accidents, theft rates, collision damages and repair costs. Learn more about how the most and least expensive cars rate for insurance premiums. 

Cheapest SUVs to insure

According to our data, the Honda CR-V is the cheapest and most affordable SUV to insure, with an average annual premium of $1,932. The Honda HR-V follows closely behind, making it another budget-friendly option for drivers.

Below, you’ll find the rates for the cheapest SUVs to insure.

Cheapest sedans to insure

Sedans often have better gas mileage than SUVs, trucks, and vans. This is due to their lightweight materials, smaller sizes, and more fuel-efficient engines. Their parts are often more affordable, as well. However, to insure a sedan, you can anticipate paying a little more than you would for an SUV because they’re more likely to be damaged in a collision with a large vehicle. 

The cheapest sedan to insure is the Subaru Impreza, with an average annual premium of $2,120 or $177 monthly. The Subaru Legacy comes in second, with an average annual premium of $2,148. 

The Subaru Impreza is $188 more expensive annually than the cheapest SUV to insure, the Honda CR-V, which has an annual average premium of $1,932. The table below shows rates for the cheapest sedans to insure.

Cheapest trucks to insure

The cheapest truck to insure is the Ford Maverick with an average annual premium of $2,118. The Ford Ranger is the second most affordable truck to insure, with an average annual premium of $2,156 or $38 more annually than the Maverick. 

Below, you’ll find rates for the cheapest trucks to insure.

In the end, the cars you choose don’t just impact your driving experience — they also significantly affect your insurance costs. By opting for a vehicle with strong safety features, affordable repair parts, and dependable ratings, you can reel in those annual premiums — whether it’s a budget-friendly Honda CR‑V or a luxury ride like a Maserati.

And remember, auto insurance isn’t set in stone. Rates shift with your age, driving history, location, and market dynamics. That’s why revisiting your coverage annually and shopping around, especially during life changes, can save you hundreds. After all, smart car choices paired with savvy insurance comparisons are the ultimate cost-control strategy.

Methodology

Insure.com editors collected rates from Quadrant Information Services in 2024 for 18- and 40-year-old males with a full coverage insurance policy with limits 100/300/100 and a $500 comprehensive and collision deductible. We analyzed 67,566,780 quotes, 510 ZIP codes, and 58 insurance companies nationwide.