You want a used car that won’t turn your monthly budget upside down, and insurance costs play a big role in that decision. This article shows models that tend to keep premiums lower so you can focus on value, safety, and long-term ownership without surprise expenses.
Expect practical, lower-cost insurance options from familiar compact SUVs and sedans that often top affordability lists.
You’ll get clear guidance on why certain models — like compact SUVs and economy sedans — often cost less to insure, and what to watch for when comparing VIN-based quotes and trim levels. Use this to narrow choices quickly and spend less time hunting premiums and more time test-driving.
Honda CR-V
You’ll find the CR-V often ranks low on insurance lists because of strong safety ratings and wide parts availability.
That usually translates to lower repair costs and fewer claims, which insurers like.
If you want examples or local prices, check current listings for used CR-Vs and market trends at Edmunds.
Toyota Corolla
You’ll find the Corolla a reliable, low-cost option for insurance thanks to its strong safety record and cheap replacement parts.
Older models tend to have lower premiums, but newer trims with advanced safety tech can also lower rates.
Check current listings and price data before you buy to match vehicle age with your budget. For nationwide used inventory and pricing, see this Used Toyota Corolla for Sale Nationwide – CarGurus.
Subaru Forester
You’ll find the Forester often listed as cheap to insure thanks to strong safety ratings and a practical image that insurers like.
Its roomy cabin and standard safety tech help lower risk profiles, which can cut your premiums compared with sportier SUVs.
Expect average annual costs to sit well below many rivals; Compare.com and others report Forester policies among the most affordable.
If you want the lowest quotes, compare VIN-based rates and consider higher deductibles or trimming optional coverage.
Ford Escape
If you buy a used Ford Escape, you’ll often find affordable insurance thanks to its common safety features and moderate repair costs.
Choose later-model trims with good crash-test ratings to keep premiums lower and claims rarer.
Shopping local listings helps you compare prices and vehicle histories before buying. Check a detailed vehicle report on sites like CARFAX to confirm accident history and ownership records.
Mazda CX-5
You’ll like the CX-5 if you want a compact SUV that’s economical to insure thanks to strong safety features and mainstream repair costs.
Its safety tech and solid reliability tend to keep claim frequency lower, which insurers reward with better rates.
Look for recent model years with advanced driver assists to maximize savings.
You can find used CX-5 listings and pricing on sites like CarGurus for current market comparisons.
Hyundai Tucson
You’ll find the Tucson often shows up on low-insurance lists thanks to solid crash-test scores and widespread parts availability.
Its safety tech on recent models cuts claim frequency, which can help keep premiums down for many drivers.
Look for certified pre-owned examples to get a thorough inspection and warranty that reduces unexpected repair costs.
Check current local listings and incentives before you buy; prices and deals shift month to month (example listings: CarGurus, CARFAX).
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