The Cheapest and Most Expensive Cars to Insure This Year
There are a number of factors that determine just how expensive or cheap your car's insurance premium will be. Let’s take a closer look at 35 of the most expensive and cheapest cars to insure in 2025.
Mazda CX-5
The Mazda CX-5 is often praised for its very reasonable insurance premiums. Even though the car offers great value for money, it doesn’t necessarily have any state-of-the-art features to drive up the premiums. You will pay about $360 in annual insurance on this car.
Maserati Ghibli
Even though the Maserati Ghibli is a high-performance vehicle, it is also prone to issues and, therefore, requires frequent repairs. As a result, it has a high annual insurance premium of between $4,800 and $5,000.
Subaru Forester
The Subaru Forester is a highly reliable car that comes with a very reasonable insurance premium. On average, owners pay anywhere between $350 and $380 per year on insurance for their Forester.
BMW M8 Gran Coupe
The BMW M8 Gran Coupe comes with some of the highest insurance premiums out there. The car is known for its high performance, which typically correlates with steep insurance rates. If you invest in the Gran Coupe, you should expect to pay about $4,800 a year.
Subaru Impreza
Subaru is renowned for its highly reliable and top-quality vehicles. As a result, their cars generally come with very reasonable insurance premiums. The Impreza is no different. To be more specific, you will pay between $340 and $360 a year to insure the vehicle.
Audi RS E-Tron GT
If you are looking to save money on insurance premiums every month, the Audi RS e-tron GT probably isn’t the vehicle for you. On average, owners pay about $5,500 a year to insure the car!
Honda Passport
The Honda Passport is definitely one of the most reliable and practical cars on the market right now. In general, it rarely experiences any issues and drives well. As a result, it comes with a very reasonable annual insurance premium of just $375.
Maserati Quattroporte
This one is pretty self-explanatory. Any Maserati model is likely to have a high insurance premium, as it is a luxury car brand that prioritizes performance. The faster the car can drive, the higher the premium will be. As a result, you can expect an average annual premium of roughly $5,200.
Hyundai Kona
The Hyundai Kona is one of the most popular family vehicles on the market right now. It is reliable, practical, and durable, ensuring that buyers get great value for their money. If you invest in the Kona, you will also save money on your annual insurance premiums, as it only costs about $400 a year.
Audi S8
The Audi S8 is not only expensive to purchase, but you will also spend a small fortune every year on your insurance premiums. On average, owners spend about $5,300 to $5,500 a year to insure the car.
Toyota RAV4
There are few brands better than Toyota when it comes to reliability and durability. As a result, their models, including the RAV4, are usually pretty affordable to insure. To be more specific, most RAV4 insurance premiums cost between $400 and $420 a year.
BMW I7 M70
The BMW i7 M70 is a high-performance vehicle that isn’t exactly known for its durability. As a result, insurance premiums can get quite pricey. On average, owners spend about $5,500 a year to insure the vehicle, making it one of the more expensive options on our list.
Honda CR-V
Is anyone really surprised to see the CR-V on our list? It is arguably one of the brand's most reliable vehicles ever produced (which is saying something), resulting in very low and affordable insurance premiums. You can expect to pay anywhere between $400 and $410 a year.
Tesla Model S Plaid
EVs in general are pretty pricey to insure, and the Tesla Model S Plaid is no different. On average, owners spend between $5,400 and $5,500 a year on insurance premiums.
Kia Soul
The Kia Soul is a great option if you are looking for an affordable vehicle that still gets the job done. It is also cheap to insure, with the average annual insurance premium coming in at around $415.
Porsche Panamera Turbo
Porsche is a high-performance brand and, as a result, any model is likely to cost a small fortune in insurance premiums. The Panamera Turbo, for example, comes in at around $5,450 a year, making it one of the most expensive options on our list.
VW Tiguan
The VW Tiguan is a family car that ticks all the right boxes. It is affordable, reliable, and long-lasting, resulting in extremely affordable insurance premiums. On average, owners pay just $410 a year to insure the car.
Dodge Charger Hellcat
As the name suggests, the Dodge Charger Hellcat is made for speed and high performance. The faster a car can go, the steeper the insurance premium will be. If you decide to invest in one of these, be prepared to pay anywhere between $5,400 and $5,500 a year in insurance.
Kia Niro
The Kia Niro is about as reliable as they come. The car rarely experiences any issues, making it one of the most affordable cars when it comes to insurance. To be more specific, owners will pay anywhere from $400 to $420 in annual insurance premiums.
BMW X6 M Competition
The BMW X6 M Competition is undeniably a great car. However, thanks to all of the frills and special features on offer, it isn’t exactly the most affordable. In insurance alone, you can expect to pay anywhere between $5,200 and $5,400 a year.
Chevy Equinox
The Chevy Equinox is a compact SUV that has become a family favorite worldwide. Not only is it a great commuter car, but it is also incredibly reliable and durable. As a result, it comes with the incredibly affordable average annual insurance premium of just $430.
Mercedes-AMG E63 S
Generally, Mercedes has incredibly steep insurance premiums, and the AMG E63 S is no different. Known for its impressive performance capabilities, this car costs roughly $5,400 a year to insure.
Ford Escape
Ford is yet another brand that simply oozes great value for money. The Escape is just one model that ticks all of the right boxes when it comes to a reliable, everyday family car. With very few issues reported, it costs anywhere between $410 and $430 annually to insure.
Lexus LC 500
The Lexus LC 500 is a luxury coupe that looks and feels expensive. However, it comes at a cost. Not only is the car incredibly expensive up front, but it also costs a small fortune in insurance. To be more specific, you can expect to pay anywhere between $5,300 and $5,500 a year to insure the vehicle.
Nissan Rogue
The Rogue is arguably one of Nissan’s most reliable models ever produced. This compact SUV is popular for its great design and longevity, both of which contribute to the exceptionally low average insurance rate of just $430.
Infiniti Q50 Red Sport
The Infinity Q50 Red Sport is a sleek, high-performance luxury sedan that offers an impressive performance. As a result, it costs an average of $5,300 a year to insure.
VW ID. 4
The VW ID.4 is an all-electric compact SUV that offers great value for money. While most EVs usually cost a small fortune to insure, the ID.4 is surprisingly affordable. In fact, you should only pay about $430 a year on insurance premiums, making it one of the cheapest EVs on the market.
Tesla Model X
The Tesla Model X is a controversial vehicle, as it has experienced its fair share of issues since its release. As a result, it isn’t cheap to insure. To be more specific, owners pay anywhere between $5,300 and $5,500 a year on insurance premiums.
Honda HR-V
The Honda HR-V is about as reliable as they come. This car has been praised for its longevity, durability, and solid design, leading to its exceptionally low average insurance premiums. Most owners only pay between $415 and $430 a year to fully insure the vehicle.
Porsche Taycan Turbo S
The Taycan Turbo S is designed for speed and performance. As a result, it not only costs a fortune to purchase, but it also costs a lot to insure. You can expect to pay about $5,300 a year on insurance premiums.
Toyota Tacoma
The Tacoma is yet another reliable model by Ford. Not only is it affordable up front, but it also only costs an average of $2,000 a year to insure.
BMW M5 Competition
The M5 Competition is one of BMW's standout performance vehicles. As you would expect, it costs a small fortune to insure. In fact, owners spend anywhere between $5,200 and $5,500 annually.
Honda Odyssey
The Honda Odyssey is a reliable and durable family car that offers great value for money. Moreover, it has a relatively affordable annual insurance rate of $2,200.
Audi Q8 E-Tron
The Audi Q8 e-tron is a high-performance EV that looks and feels fast. Like most high-performance vehicles, it isn’t cheap in either purchase price or insurance. To be more specific, owners pay anywhere between $5,200 and $5,400 a year to insure such a vehicle.
Subaru Outback
The Subaru Outback is one of the safest and most reliable vehicles on the market right now. As a result, it is linked to extremely affordable insurance premiums. On average, you will pay just $2,200 a year.
