12 Savvy Used Car Buys: Surprisingly Low Insurance Premiums That Beat a New Bike

The world of car ownership is filled with exciting choices, but beneath the glossy paint and powerful engines lies a crucial, often overlooked, financial reality: car insurance. For many, the assumption is simple – newer, more expensive vehicles automatically equate to hefty insurance premiums. This common belief, however, doesn’t always hold true, and savvy buyers are discovering that some incredible value can be found in the used car market, particularly with models that offer surprisingly low insurance costs, sometimes even less than what you might pay to insure a new bicycle.

Insurance premiums can indeed be a major consideration for anyone looking to buy a vehicle. It’s a complex equation where factors like your driving record, location, and even credit score play a significant role. Yet, your vehicle itself is a core component in determining what you’ll pay. Insurance companies carefully analyze data from past claims to assess the risk associated with insuring each type of vehicle, looking at elements like engine size, horsepower, vehicle weight, and crucial crash-test ratings. Vehicles with high theft rates or costly repair parts often result in higher premiums, making the hunt for an affordable-to-insure car a strategic move.

But here’s where the real excitement begins: some vehicles truly stand out because they masterfully combine affordability, robust safety features, and low repair expenses. This powerful combination directly translates into surprisingly low insurance premiums, offering a significant financial advantage. For budget-conscious drivers, or those simply aiming to keep ongoing costs manageable, choosing a car with low insurance premiums can make a dramatic difference over time, providing peace of mind beyond just saving money, often reflecting strong safety records and dependability. We’ve delved into the data to unearth 12 such models, slightly older but still incredibly relevant, that prove you don’t need to break the bank for reliable, insurable transportation.

“1991 Mazda MX-5” by Rutger van der Maar is licensed under CC BY 2.0

1. **Mazda 3**The Mazda 3 sedan has carved out a sterling reputation for being an economical pick right from its sticker price, but its financial benefits extend far beyond the initial purchase, potentially saving owners even more money overall on recurring costs like insurance. A brand-new 2025 Mazda 3 can cost less than $25,000, immediately positioning it as one of the most affordable used cars available on the market, making it an excellent candidate for those seeking value. Crucially, this affordability extends to its insurance profile, based on insurance losses reported for newer models, suggesting a consistently low-risk profile.

When delving into the insurance loss information from the IIHS for models spanning 2021 to 2023, it becomes clear that multiple Mazda 3 variants consistently achieved average insurance losses. This means that Mazda 3s didn’t incur higher-than-average insurance costs when they found themselves involved in accidents, a statistic that warms the hearts of both insurers and policyholders alike. This consistent performance across various iterations underscores its inherent safety and manageable repair profile, directly contributing to its appeal as a cheap-to-insure vehicle.

What’s even more impressive is the performance of specific Mazda 3 variants. The hatchback 4WD version, for instance, showcased lower property damage, medical payment, and bodily injury amounts compared to comparable models within its class, specifically four-door, small cars. Such data is hardly surprising, given Mazda’s well-established standing as one of the safest car brands in the industry, a reputation built on robust engineering and advanced safety features. This blend of safety and cost-effectiveness makes the Mazda 3 a compelling choice for anyone looking for a smart, economical ride.

However, as with any vehicle purchase, the wisest approach to securing the best deal on insurance rates is to actively get a quote before committing to buying a used Mazda 3, or indeed any other car on your radar. While the data strongly suggests favorable insurance costs, personalized quotes always provide the definitive answer, tailoring the price to your specific circumstances. The Mazda 3’s combination of initial affordability, demonstrated safety, and impressive insurance loss performance certainly places it high on the list for budget-conscious drivers.

Car Model Information: 2015 Mazda Mazda3 i Sport
Name: Mazda3
Manufacturer: Mazda
Aka: Mazda Axela (Japan and China, 2003–2019)
Production: 2003–present
Class: Compact car
BodyStyle: Sedan (automobile),hatchback
Layout: Front-engine, front-wheel-drive layout,Front-engine, four-wheel-drive layout
Predecessor: Mazda Familia
Categories: 2010s cars, 2020s cars, All Wikipedia articles written in American English, All articles needing rewrite, All articles with dead external links
Summary: The Mazda3 is a compact car manufactured by Mazda since 2003 over four generations. The body styles have been a 5-door hatchback and 4-door sedan across all generations. It was sold as the Mazda Axela (Japanese: マツダ・アクセラ, Hepburn: Matsuda Akusera) in China and Japan until 2019. The first generation was produced in Japan from June 2003 until November 2008 and replaced the Familia (also known as the 323 or Protegé) as Mazda’s C-segment model. It was sold in North America for the 2004-2009 model years. It was also produced in Colombia from 2004 until 2014, in Iran from 2006 until 2010, and in China from 2007 until 2013. The second-generation Mazda3 for the 2009 model year was unveiled in late 2008, with the sedan premiering at the Los Angeles Auto Show and the hatchback at the Bologna Motor Show. For the 2012 model year, Mazda began offering the Mazda3 with their newly developed Skyactiv technology, including a more rigid body, a new direct-injection engine, and a new 6-speed transmission. The third generation was introduced in mid-2013 for the 2014 model year. The third-generation model is the first Mazda3 to adopt the “Kodo” design language and a more complete Skyactiv range of technologies and the first to be made by Mazda independently. The fourth-generation Mazda3 for the 2019 model year was unveiled in November 2018 at the Los Angeles Auto Show. For the 2019 model, the all-new Mazda3 is equipped with the updated Skyactiv technologies, including a spark-controlled compression ignition engine marketed as the Skyactiv-X. A performance-oriented version of the Mazda3 was marketed until 2013 as the Mazdaspeed3 in North America, Mazdaspeed Axela in Japan, and the Mazda3 MPS in Europe and Australia. The Mazda3 became one of Mazda’s fastest-selling vehicles, with cumulative sales in January 2019 of over 6 million units.

Get more information about: Mazda3

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Brand: Mazda Model: 3
Price: $9,825 Mileage: 135,009 mi.

2. **Mini Cooper**The Mini Cooper, with its iconic design and engaging driving dynamics, might not immediately spring to mind as a vehicle renowned for its low insurance costs, yet it presents a surprisingly affordable and undeniably fun option for many consumers. While it won’t be the ideal daily driver for every individual, its brand-new sticker price, often under $30,000 for a 2025 model, hints at a broader affordability. This characteristic suggests that a slightly older model could indeed be a prime candidate for a used car purchase that also boasts relatively inexpensive insurance, making it a potentially savvy buy.

Examining the IIHS insurance loss data for 2021 to 2023 models reveals a remarkably consistent performance across all variations of the Mini Cooper, despite being categorized uniquely in the data. Every style of mini two-door car – encompassing the three distinct types of Mini Cooper – performed exceptionally well, earning substantially better than average rates across the board in insurance loss categories. This widespread strong showing indicates a favorable risk profile for insurers, translating directly into lower premiums for owners.

The standout performer among the standard Mini Cooper, the convertible, and the electric model was found to be the standard model itself. This particular variant achieved ratings that were at least 29% better than average in each of the six critical insurance loss categories. Such impressive statistics paint a clear picture: the Mini Cooper, especially the standard model, poses a significantly lower risk to insurance companies, which in turn benefits the policyholder through reduced costs. This makes it an attractive proposition for those who desire character and enjoyment without sacrificing financial prudence.

Interestingly, while the new Mini Cooper Hardtop didn’t experience robust sales in 2024, this market trend doesn’t seem to be linked to insurance concerns, given its strong performance in loss data. It’s important to note, however, that while the small car is not terribly expensive to buy, particularly on the used market, and insurance could be fairly low, Mini Coopers are often cited as being relatively pricey to maintain. This is a crucial point for potential buyers to consider, balancing the savings on insurance with potential future maintenance expenditures, yet its insurance affordability remains a significant draw.

Car Model Information: 2013 MINI Coupe Cooper S
Categories: All set index articles, Articles with short description, Set index articles on cars, Short description is different from Wikidata
Summary: Mini Cooper may refer to: Performance Cars of the original Mini series with uprated drive train and brakes, called the “Mini Cooper”, made by the British Motor Corporation and also the successors 1961–1971, and 1990–2000 Cars of the Mini (marque), including several different models produced by BMW since 2000 with the “Mini Cooper” title: Mini Hatch, introduced in early 2000, second generation from 2006, third generation from 2014, and fourth generation from 2024, changing the model name to MINI Cooper. Mini Clubman (2007–2024) Mini Countryman Mini Coupé (2011–2015) and Roadster (2012–2015) Mini Paceman (2012–2016) Mini Aceman

Get more information about: Mini Cooper

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Brand: Mini Model: Cooper
Price: $11,875 Mileage: 78,956 mi.

3. **Chrysler Pacifica 4WD**Minivans have long held a reputation as practical, family-focused vehicles, and it’s perhaps no surprise that this perception extends to their insurance profiles, often being considered relatively inexpensive to insure. Among the entire spectrum of minivans listed by the IIHS, the Chrysler Pacifica, specifically its 4WD model, emerges as a particularly strong contender for budget-conscious buyers seeking to minimize their insurance expenses. This particular variant showcases an impressive performance that places it favorably in the insurance landscape.

The Chrysler Pacifica 4WD demonstrated a remarkable showing in insurance loss categories, performing better than average in four key areas and achieving a substantially better than average rating in another. In the final category of bodily injury, the Pacifica recorded average losses, a solid and reassuring score. This aggregate performance allowed it to significantly outshine comparable models in its class, such as the Honda Odyssey and Kia Carnival, over the 2021 to 2023 model years, highlighting its superior risk profile from an insurer’s perspective.

Even though a specific SlashGear rating for the 2024 Pacifica was above average overall, that version of the minivan did not score quite as well in the IIHS report for insurance losses. However, the overarching trend for the Pacifica remains positive: no model of Pacifica, across various iterations, had worse than average or poorer scores in terms of insurance losses. This consistent performance across its lineup underscores its fundamental safety and reliability, which are key drivers for lower insurance premiums.

In stark contrast, other prominent minivans like the Toyota Sienna hybrid registered worse than average losses in at least two categories, making the Chrysler Pacifica far likelier to be a more friendly option for your insurance budget. The blend of robust safety performance, particularly in its 4WD configuration, and its consistent ability to avoid higher-than-average insurance losses, firmly cements the Chrysler Pacifica 4WD as an excellent choice for families and individuals prioritizing both utility and affordable ongoing costs.

Car Model Information: 2017 Chrysler Pacifica Touring-L Plus
Categories: All set index articles, Articles with short description, Chrysler vehicles, Set index articles on cars, Short description is different from Wikidata
Summary: Chrysler Pacifica is a nameplate used by Chrysler for a variety of vehicles. The name was first used on a luxury minivan concept vehicle in 1999, and later a crossover concept in 2002. From 2004 to 2008, it was used on a mid-size crossover, and since the 2017 model year, it has been used as the Town & Country minivan’s replacement. Vehicles using the nameplate are: Chrysler Pacifica concept (1999), concept minivan Chrysler Pacifica concept (2002), concept crossover Chrysler Pacifica (crossover) (2004–2008), production version of the 2002 concept Chrysler Pacifica (minivan) (2017–present), Chrysler Town & Country replacement

Get more information about: Chrysler Pacifica

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Brand: Chrysler Model: Pacifica
Price: $14,397 Mileage: 72,657 mi.

4. **Subaru Forester**When examining the IIHS’s comprehensive insurance loss data for small SUVs, the Subaru Forester emerges as a true standout, boasting the best overall ratings when it comes to losses across the board. This impressive feat means the Forester performed better than average in all categories save for comprehensive losses, where it still earned a respectable ‘average’ rating. What makes this even more remarkable is that no other small SUV in the extensive study managed to achieve similar all-encompassing ratings, solidifying the Forester’s position as a top-tier choice for insurance affordability.

Specifically, the Forester 4WD equipped with EyeSight, Subaru’s advanced driver assistance system, for models between 2021 and 2023, delivered substantially better than average ratings in three categories, complemented by better than average ratings in two others. While other variations were not specifically reported in the small SUV category, the performance of this specific configuration speaks volumes about the model’s inherent safety and robust design. Given that the category encompasses dozens of vehicles, the Forester’s consistent excellence is indeed an impressive achievement that directly influences its low insurance premiums.

Further bolstering the case for the Forester, it was also recognized as Progressive’s second-best pick for the 2019 to 2021 model years. This independent validation from a major insurance provider strongly suggests that our interpretation of the data regarding the Forester’s insurance-friendliness is “right on the money,” or more accurately, “right on the savings.” This historical consistency across different analytical periods reinforces its reputation as a vehicle that poses low risk to insurers.

It’s also worth noting that some Forester years boast better resale value, a practical consideration for those contemplating buying used or planning for a future resale. Regardless of the initial sticker price, the overwhelming evidence from insurance loss data indicates that owners should be able to secure a relatively low insurance payment on a used Forester. This combination of top-tier safety, proven reliability, and low insurance costs makes the Subaru Forester an exceptionally smart and practical choice for a diverse range of drivers.

Car Model Information: 2025 Subaru Forester Premium
Name: Subaru Forester
Manufacturer: Subaru
Production: 1997–present
Class: Compact crossover SUV
BodyStyle: SUV
Related: Subaru Impreza
Layout: Front-engine, all-wheel drive
Predecessor: Subaru Bighorn
Categories: 2000s cars, 2010s cars, All-wheel-drive vehicles, All Wikipedia articles written in American English, All articles containing potentially dated statements
Summary: The Subaru Forester (Japanese: スバル・フォレスター, Hepburn: Subaru Foresutā) is a compact crossover SUV that has been manufactured by Subaru since 1997. The first generation was built on the platform of the Impreza in the style of a taller station wagon, a style that continued to the second generation, while the third-generation model onwards moved towards a crossover SUV design. A performance model was available for the second-generation Forester in Japan as the Forester STi.

Get more information about: Subaru Forester

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Brand: Subaru Model: Forester
Price: $32,450 Mileage: 1,707 mi.

5. **Subaru Ascent**Continuing Subaru’s impressive showing in the realm of affordable-to-insure vehicles, the Subaru Ascent, a midsize SUV, also presents a compelling case based on IIHS insurance loss data. The Ascent performed better than average in two categories and achieved a substantially better than average rating in three others. While it recorded average losses in the comprehensive category, its overall performance still far outshone many other midsize SUVs included in the study, distinguishing itself as a highly favorable option for managing insurance costs.

The Ascent’s position as an insurance-friendly vehicle is further reinforced by past accolades. It was Progressive’s top pick for the cheapest vehicle to insure for the 2019 to 2021 model years, a significant endorsement that strongly suggests the 2021 to 2023 models would follow a similar trend of being inexpensive to insure. Our current data aligns with this, specifically based on information reported for the Subaru Ascent 4WD equipped with EyeSight, the manufacturer’s sophisticated driver assistance system utilizing cameras and sensors.

It is important to acknowledge that the IIHS data did not include any other variations of the Ascent, such as non-4WD models or those without the EyeSight system. Therefore, the exceptional ratings primarily apply to this specific, well-equipped configuration. This suggests that opting for a 4WD Ascent with EyeSight is likely the most reliable path to securing the lowest possible insurance rates for this model, emphasizing the value of advanced safety technology in reducing premiums.

While there are some key differences between the Forester and the Ascent, notably in size and price – a 2023 Ascent, for instance, can cost around $33,000 compared to a Forester at approximately $27,000 – both models represent excellent value in terms of insurance. The price difference is understandable, given the Ascent’s larger capacity and ability to accommodate more passengers. Nevertheless, both Subarus are poised to earn owners relatively low insurance rates, making the Ascent a smart investment for those needing more space without incurring exorbitant insurance expenses.

Car Model Information: 2021 Subaru Ascent Premium 7-Passenger
Name: Subaru Ascent
Manufacturer: Subaru
Aka: Subaru Evoltis
Production: 2018–present
ModelYears: 2019–present (North America)
Assembly: Lafayette, Indiana
Class: Mid-size crossover SUV
BodyStyle: SUV
Layout: Front-engine, four-wheel-drive layout
Platform: Subaru Global Platform
Related: Subaru Legacy (seventh generation),Subaru Outback
Engine: Subaru FA engine#FA24F,Turbocharger,Flat-four engine
Powerout: 260 hp
Abbr: on
Transmission: Lineartronic,Continuously variable transmission
Wheelbase: 113.8 in
Length: 196.8 in
Width: 76.0 in
Height: 71.6 in
Weight: convert
Predecessor: Subaru Tribeca
ModelCode: WM
Categories: 2020s cars, All-wheel-drive vehicles, All Wikipedia articles written in American English, All articles with a promotional tone, Articles with a promotional tone from December 2017
Summary: The Subaru Ascent is a mid-size crossover SUV produced by Subaru. In some markets, it is sold as the Subaru Evoltis. It is the largest automobile Subaru manufactures. The seven or eight-seat passenger SUV, with the design based on the VIZIV-7 concept, made its debut at the LA Auto Show on November 28, 2017 and became available in the third quarter of 2018. It has an American-built predecessor, the Tribeca. The Ascent is not available in Japan.

Get more information about: Subaru Ascent

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Brand: Subaru Model: Ascent
Price: $23,804 Mileage: 79,540 mi.

6. **Subaru Crosstrek 4WD**Subaru consistently demonstrates its prowess in producing vehicles that are inexpensive to insure, and the Crosstrek 4WD stands as another shining example, particularly within the station wagon category. While Subaru is one of the few auto manufacturers consistently making station wagons, it’s not just their presence in the market but their exceptional performance in insurance loss categories that secures their victories across multiple vehicle types, making Subaru a consistently strong contender for overall cheapest used cars to insure.

According to IIHS data for years between 2021 and 2023, the Subaru Crosstrek 4WD with EyeSight delivered the absolute best performance in the station wagon category. This specific variant achieved stellar results across the board, minimizing losses and thereby reducing risk for insurers. However, its siblings in the Crosstrek lineup also received commendable ratings, further cementing the model’s reputation for insurance affordability.

For instance, the standard Crosstrek 4WD model, without the EyeSight system, recorded average property damage losses, which is a solid performance. In contrast, the EyeSight-equipped model achieved even higher rankings, underscoring the benefits of advanced driver-assistance technology in mitigating insurance risks. Furthermore, the hybrid plug-in version of the Crosstrek, while lacking data for all categories, still demonstrated relatively low insurance losses in the three categories for which information was available, indicating a broad-based strength across the lineup.

Beyond the immediate financial benefits of a lower monthly insurance bill, there’s even more good news for prospective Crosstrek owners: second-generation Crosstreks, spanning from 2021 to 2023, have been ranked among the most reliable by drivers. This combination of low insurance costs and proven reliability makes for an incredibly attractive package. With the likelihood of finding a 2023 Crosstrek for under $25,000, this model truly stands out as an overall smart budget pick, offering both peace of mind and significant ongoing savings.

Navigating the used car market for vehicles that offer surprisingly low insurance costs doesn’t have to end with the first six impressive models. As we delve deeper, we uncover another collection of smart choices, each presenting a compelling blend of practicality, safety, and most importantly, significant savings on insurance premiums. These next six vehicles further demonstrate that excellent value and manageable ongoing expenses are well within reach for the savvy buyer, proving that a little research can lead to substantial financial benefits without compromising on quality or utility.

Car Model Information: 2024 Subaru Crosstrek Wilderness
Name: Subaru Crosstrek
Manufacturer: Subaru
Aka: Subaru XV (global markets, 2012–2022),Subaru XV Crosstrek (United States and Canada, 2013–2015)
Production: 2012–present
Class: Compact crossover SUV
BodyStyle: SUV
Layout: ubl
Related: Subaru Impreza
Predecessor: Subaru Outback Sport
ModelYears: 2013–present
Categories: 2020s cars, All-wheel-drive vehicles, All Wikipedia articles written in American English, All articles with unsourced statements, Articles containing Japanese-language text
Summary: The Subaru Crosstrek (Japanese: スバル・クロストレック, Hepburn: Subaru Kurosutorekku; also known as the Subaru XV globally for the first two generations) is a compact crossover SUV produced by Subaru since 2012. It is a successor to the Outback Sport in the United States and Canada, and the Impreza XV globally. Like the Outback Sport, the Crosstrek is a lifted Impreza hatchback with minor differences, though with a more substantial lift than the Outback Sport. Initially, the vehicle was marketed as the XV globally, and as the XV Crosstrek in the United States and Canada. In 2015, Subaru dropped the XV moniker in the United States and Canada, marketing it simply as the Crosstrek for the 2016 model year and onward. In 2022, Subaru introduced the third-generation model, using the Crosstrek nameplate globally for the first time. All generations of the Crosstrek are raised versions of the Subaru Impreza hatchback.

Get more information about: Subaru Crosstrek

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Brand: Subaru Model: Crosstrek
Price: $29,999 Mileage: 5,088 mi.

7. **Honda Passport 4WD**Let’s be candid: the Honda Passport might not be the most budget-friendly option upfront, whether purchased new or used. A 2023 model, which we’d still recommend based on the latest IIHS data, typically carries a price tag of around $41,000. Yet, the broader Honda brand has a well-earned reputation for being affordable to insure, and if a Honda SUV is on your radar, the Passport, particularly the 4WD version, is certainly worth a closer look for its insurance advantages.

According to the comprehensive IIHS data, the Honda Passport 4WD demonstrated superior performance across multiple insurance loss categories. It achieved better than average ratings in four critical areas and a substantially better than average rating in another. In the final category of personal injury, the Passport managed a solid ‘average’ score, reinforcing its overall low-risk profile for insurers.

It’s important to highlight the performance disparity between the 4WD and standard (non-4WD) Passport models. The standard variant didn’t fare quite as well, earning average rankings in four categories and only achieving substantially better-than-average figures in two. This clearly suggests that opting for the 4WD model is the smarter move for maximizing insurance savings. Moreover, the Passport was Progressive’s third pick in their 2019 to 2021 data, indicating that other major insurers likely agree on its value for budget-conscious consumers. Beyond its financial benefits, the Passport is often considered an underrated gem within Honda’s impressive lineup, offering robust utility without the exorbitant insurance premiums sometimes associated with larger SUVs.

Car Model Information: 2021 Honda Passport AWD Sport
Name: Honda Passport
Caption: Fourth generation Honda Passport
Manufacturer: Honda
Production: unbulleted list
ModelYears: unbulleted list
Class: unbulleted list
BodyStyle: SUV
Layout: Front-engine, rear-wheel-drive layout,Front-engine, front-wheel-drive layout,Front-engine, four-wheel-drive layout
Categories: 2000s cars, 2010s cars, All-wheel-drive vehicles, All Wikipedia articles written in American English, Articles with short description
Summary: The Honda Passport is a line of sport utility vehicles (SUV) from the Japanese automaker Honda. Originally, it was a rebadged version of the Isuzu Rodeo, a mid-size SUV sold between 1993 and 2002. It was introduced in 1993 for the 1994 model year as Honda’s first entry into the growing SUV market of the 1990s in the United States. The first and second generation Passport was manufactured by Subaru Isuzu Automotive in Lafayette, Indiana. Like various other Honda models, it re-used a name from their motorcycle division, the Honda C75 Passport. The other two name candidates were Elsinore and Odyssey, the latter would be re-used a year later on a minivan. The Passport was a part of a partnership between Isuzu and Honda in the 1990s, which saw an exchange of passenger vehicles from Honda to Isuzu, such as the Isuzu Oasis, and trucks from Isuzu to Honda, such as the Passport and Acura SLX. This arrangement was convenient for both companies, as Isuzu discontinued passenger car production in 1993 after a corporate restructuring, and Honda was in desperate need of an SUV, a segment that was growing in popularity in North America as well as Japan during the 1990s. The partnership ended in 2002 with the discontinuation of the Passport in favor of the Honda-engineered Pilot. In November 2018, Honda announced that the Passport nameplate would return as a two-row mid-size crossover SUV slotted between the CR-V and Pilot. The third-generation Passport was unveiled at the Los Angeles Auto Show on November 27, 2018. It is built at Honda’s factory in Lincoln, Alabama, and available for the 2019 model year.

Get more information about: Honda Passport

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Brand: Honda Model: Passport
Price: $21,685 Mileage: 66,455 mi.

8. **Volkswagen Atlas 4WD**Volkswagen vehicles occasionally appear on lists of cheap-to-insure models, though they are less frequently recommended compared to some other brands. However, our deep dive into the IIHS data reveals that the Volkswagen Atlas, especially its 4WD version, performed remarkably well in terms of insurance losses. This makes it a compelling, albeit perhaps less obvious, candidate for those seeking affordable premiums.

The Atlas 4dr 4WD exhibited a strong performance, scoring better than average in four categories and a substantially better than average rating in the crucial bodily injury category. It also maintained an average score in comprehensive losses. Such consistent positive results across multiple metrics firmly establish its favorable risk profile for insurance providers. Furthermore, the Atlas was also recognized as one of Progressive’s top picks for the 2019 to 2021 model years, adding another layer of validation to our findings regarding its insurance-friendliness.

While it’s true that some variations of the Atlas might incur slightly higher insurance costs, other options, like the Atlas Cross Sport 4dr, still performed around average in terms of losses. This indicates that many midsize SUVs in the market actually cost significantly more to insure. So, while the Atlas might not always be the most exhilarating vehicle compared to some other Volkswagens known for their driving dynamics, the potential for substantial insurance savings certainly makes it a worthy consideration if a Volkswagen is on your automotive wish list.

Car Model Information: 2021 Volkswagen Atlas 2.0T S
Name: Volkswagen Atlas
Manufacturer: Volkswagen
Aka: Volkswagen Teramont
Production: 2017–present
ModelYears: 2018–present
Class: Mid-size crossover SUV
BodyStyle: SUV
Layout: unbulleted list
Predecessor: Volkswagen Touareg
Categories: 2020s cars, All-wheel-drive vehicles, Articles with short description, CS1 German-language sources (de), CS1 Mexican Spanish-language sources (es-mx)
Summary: The Volkswagen Atlas is a mid-size crossover SUV manufactured by the German automaker Volkswagen since 2017. Developed mainly for the North American and Chinese market, the vehicle is based on the Volkswagen Group MQB platform. Outside the US, Canadian, and Chilean markets, the vehicle is marketed as the Volkswagen Teramont. It is positioned above the long-wheelbase Tiguan and below the smaller but more upmarket Touareg.

Get more information about: Volkswagen Atlas

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Brand: Volkswagen Model: Atlas
Price: $20,455 Mileage: 54,595 mi.

9. **Chevrolet Bolt**For drivers who are both budget-minded and environmentally conscious, a used Chevrolet Bolt could be the ideal vehicle. The Chevy Bolt was already recognized as one of the most affordable electric cars available new in 2024, which means earlier models on the used market offer even greater affordability. The financial advantages, however, don’t stop with the initial purchase; they extend to ongoing ownership costs, particularly insurance.

The Chevrolet Bolt demonstrated an impressive performance in IIHS data for models between 2021 and 2023. It scored either better or substantially better than average across a wide array of categories, including collision, comprehensive, personal injury, medical payment, and bodily injury. This stellar performance strongly indicates that insuring a Bolt should be less expensive than insuring many other small four-door cars, irrespective of whether you choose the standard Bolt hatchback or the Bolt EUV, a discontinued crossover SUV variant that shares much of its DNA with its hatchback sibling.

Even the Bolt EUV, with its slightly different form factor, achieved average or better ratings across all six insurance loss categories, with two of them earning percentages that were demonstrably better than average. When directly compared to other small four-door cars like the Hyundai Elantra hybrid or Toyota Corolla hybrid, the Chevrolet Bolt is anticipated to have significantly lower insurance rates. With a 2023 Chevrolet Bolt currently costing around $26,000, and the attractive prospect of a lower-than-average insurance commitment, this model truly stands out as an eco-friendly and wallet-friendly choice for discerning drivers.

Car Model Information: 2023 Chevrolet Bolt EUV FWD Premier
Name: Chevrolet Bolt EV
Caption: 2022 Chevrolet Bolt EV
Manufacturer: General Motors
Production: 2016–2023
ModelYears: 2017–2023
Class: Subcompact car
BodyStyle: hatchback
Layout: Front-engine, front-wheel-drive layout
Predecessor: Chevrolet Spark EV
Categories: 2020s cars, All Wikipedia articles in need of updating, All articles containing potentially dated statements, All articles to be merged, All articles with unsourced statements
Summary: The Chevrolet Bolt EV (marketed in Europe as Opel Ampera-e) is a battery electric subcompact hatchback manufactured and marketed by General Motors under its Chevrolet brand from late 2016 until late 2023, with a brief hiatus between mid-2021 and early 2022. The first-generation Bolt was developed and manufactured with LG Corporation. Sales of the 2017 Bolt began in California in December 2016; it was released nationwide and international markets release in 2017. A rebadged European variant was marketed as the Opel Ampera-e in mainland Europe. In 2017, the Bolt was the second-best-selling plug-in car in the United States. It was named the 2017 Motor Trend Car of the Year, the 2017 North American Car of the Year, an Automobile magazine 2017 All Star, and was listed in Time magazine’s Best 25 Inventions of 2016. The Ampera-e was discontinued after 2018. By the end of 2020, GM had sold 112,000 Bolt and Ampera-e cars worldwide. The first-generation Bolt had been subject to at least three recalls due to battery fire risks. In mid-2023, GM officials said they would discontinue the Bolt; after outcry, they announced plans for a next-generation model. The second-generation Bolt, based on the Chevrolet Bolt EUV, was unveiled on October 9, 2025 and will go on sale in 2026 as a 2027 model.

Get more information about: Chevrolet Bolt

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Brand: Chevrolet Model: Bolt
Price: $22,992 Mileage: 23,569 mi.

10. **Toyota Tacoma 4WD**Before committing to a Toyota Tacoma, or indeed any pickup truck, it’s wise to understand all relevant factors. One crucial insight appears to be that opting for a 4WD variant makes more financial sense, particularly when it comes to insurance premiums. The 4WD versions of the Tacoma consistently delivered the best performance regarding low insurance losses, according to IIHS data for models spanning 2021 to 2023.

The specific Tacoma variant that excelled the most within three key categories—comprehensive, personal injury, and medical payment—achieved substantially better than average ratings. In the collision category, it was rated better than average, and even in property damage, it scored a respectable ‘average.’ This comprehensive strong performance is significantly better than what was observed for other small pickups in the lineup, such as the Jeep Gladiator or Ford Ranger, underscoring the Tacoma’s superior risk profile.

For those aiming to secure the most favorable insurance quote, our recommendation points towards the Toyota Tacoma Xtracab 4WD. While the Xtracab might offer slightly less interior convenience than the double cab option, this particular trim package, priced around $29,000 for a 2023 model, holds the potential to significantly reduce your insurance expenses, especially if you’re transitioning from other small pickups. The Tacoma double cab 4WD serves as a close runner-up, offering similar pricing and the added benefit of more legroom, ensuring that even with more space, insurance remains surprisingly affordable.

Car Model Information: 2015 Toyota Tacoma Base
Name: Toyota Tacoma
Caption: 2020 Toyota Tacoma TRD Off-Road
Manufacturer: Toyota
Production: January 1995 – present
ModelYears: 1995–present
Class: unbulleted list
Layout: Front-engine, rear-wheel-drive layout
Predecessor: Toyota Hilux (N80)
Categories: 2000s cars, 2010s cars, 2020s cars, All-wheel-drive vehicles, All Wikipedia articles written in American English
Summary: The Toyota Tacoma is a pickup truck manufactured by Japanese automobile manufacturer Toyota since 1995. The first-generation Tacoma (model years 1995 through 2004) was classified as a compact pickup; subsequent models are classified as mid-sized pickups. The Tacoma was Motor Trend’s Truck of the Year for 2005. As of 2015, the Tacoma was sold in the United States, Canada, Mexico, Costa Rica, Bolivia, Bermuda, and the French overseas collectivity of New Caledonia. Most markets across the world receive the Toyota Hilux in lieu of the Tacoma. The name “Tacoma” was derived from the Coast Salish peoples’ name for Mount Rainier in the U.S. state of Washington.

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Brand: Toyota Model: Tacoma
Price: $19,088 Mileage: 171,500 mi.

11. **Toyota 4Runner**While the 2025 Toyota 4Runner is set to undergo significant changes, there remains a great deal to appreciate about older 4Runner models, not least of which is their relatively low insurance risk, as indicated by IIHS data. Categorized as a midsize SUV, the Toyota 4Runner stood out as the best in its class, with two specific variants consistently earning better-than-average and substantially better-than-average ratings across most categories.

To maximize your chances of securing the lowest possible insurance costs, a 4WD 4Runner is the recommended choice. This configuration only registered an average score in one category, whereas the non-4WD model had average scores in two, performing better than average in the rest. While a 2023 4Runner 4WD might cost around $40,000, if you’ve already set your sights on splurging on this capable SUV, you can at least rest assured that your monthly insurance payment is unlikely to strain your budget.

Toyota is broadly considered a brand that is inexpensive to insure, but based on the detailed IIHS insurance loss data for 2021 to 2023 model years, only the Tacoma and the 4Runner have demonstrated exceptionally low losses across the board. This crucial distinction explains why other Toyota models, despite their overall brand reputation, did not meet the stringent criteria to be included in our curated list of recommendations for the cheapest used cars to insure.

Car Model Information: 2024 Toyota 4Runner SR5 Premium
Name: Toyota 4Runner
Caption: 2025 Toyota 4Runner TRD Sport (N500)
Manufacturer: Toyota
Aka: Toyota Hilux Surf (Japan, 1983–2009)
Production: October 1983 – present
ModelYears: 1984–present (US)
Class: unbulleted list
Layout: unbulleted list
Chassis: Body-on-frame
Successor: unbulleted list
Categories: 1990s cars, 2000s cars, 2010s cars, 2020s cars, All-wheel-drive vehicles
Summary: The Toyota 4Runner is an SUV manufactured by the Japanese automaker Toyota and marketed globally since 1984, across six generations. In Japan, it was marketed as the Toyota Hilux Surf (Japanese: トヨタ・ハイラックスサーフ, Hepburn: Toyota Hairakkususāfu) and was withdrawn from the market in 2009. The original 4Runner was a compact SUV and little more than a Toyota Hilux pickup truck with a fiberglass shell over the bed, but the model has since undergone significant independent development into a cross between a compact and a mid-size SUV. All 4Runners have been built in Japan at Toyota’s plant in Tahara, Aichi, or at the Hino Motors (a Toyota subsidiary) plant in Hamura. The name “4Runner” was created by copywriter Robert Nathan with the Saatchi & Saatchi advertising company as a play on the term “forerunner”. The agency held contests to invent new names for Toyota’s forthcoming vehicles. According to Toyota, the “4” described the vehicle’s 4-wheel drive system while “Runner” was a reference to its all-terrain capabilities and how it could “run” off-road. For some markets, the Hilux Surf was replaced in 2005 by the lower cost but similar Fortuner, which is based on the Hilux platform. As of 2021, the 4Runner is marketed in the many countries in North and South America. Many markets that did not receive the 4Runner, such as Europe and the Middle East, instead received the similarly designed Land Cruiser Prado, another SUV that shared many of the same components. The 4Runner came in at number five in a 2019 study by iSeeCars.com ranking the longest-lasting vehicles in the US. The 4Runner had 3.9 percent of vehicles over 200,000 miles (320,000 km), according to the study.

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Brand: Toyota Model: 4Runner
Price: $41,907 Mileage: 25,053 mi.

12. **Volvo XC40 4WD**Volvo is undeniably recognized as a luxury brand, though it doesn’t always top the lists of the very best major luxury car brands. However, if you decide to indulge in a Volvo, particularly an XC40, insuring it should thankfully not necessitate a significant financial sacrifice. This is, at least, what the robust IIHS data suggests for this specific model.

Like many other models we’ve explored, the XC40 made multiple appearances in the IIHS’s 2021 to 2023 data within the small luxury SUV category. The standout performer among its trims was the XC40 4dr 4WD, which posted substantially better-than-average numbers in an impressive four categories and better-than-average numbers in the remaining two. This consistent top-tier performance highlights its exceptional safety and low-risk profile.

While the electric XC40 and the standard (non-4WD) gas model also received favorable ratings, the standard XC40 notably lacked data in three categories, and the electric model was missing data in one. For the most assured path to a low insurance payment, we strongly advise considering a 2023 Volvo XC40 4WD. Although its price tag might hover around $37,000, the compelling IIHS data offers a strong indication that you can anticipate a remarkably decent deal on its insurance costs, making it a surprisingly practical luxury choice.

Bringing our journey to a close, it’s clear that the landscape of car insurance premiums is far more nuanced than often perceived. The conventional wisdom that newer, pricier vehicles automatically lead to higher insurance costs doesn’t always hold, and this deep dive into 12 discontinued, yet still highly relevant, models vividly illustrates that principle. From the rugged reliability of a Subaru to the surprising affordability of a Volvo luxury SUV, these vehicles offer compelling evidence that significant savings are attainable without sacrificing quality, safety, or driving enjoyment.

Car Model Information: 2023 Volvo XC40 B5 AWD Plus Dark
Name: Volvo XC40
Aka: ubl
Manufacturer: Volvo Cars
Production: ubl
ModelYears: ubl
Designer: Ian Kettle
Class: Subcompact luxury crossover SUV
BodyStyle: ubl
Platform: Compact Modular Architecture
Assembly: ubl
Related: ubl
Layout: ubl
Engine: ubl
Motor: ubl
Abbr: on (C40)
Transmission: ubl
Drivetrain: PHEV
Battery: ubl
Charging: Combined Charging System
Wheelbase: 2702 mm
Length: ubl
Width: 1863 mm
Height: ubl
Weight: convert
Categories: All-wheel-drive vehicles, All Wikipedia articles written in British English, Articles with short description, CS1 Dutch-language sources (nl), CS1 German-language sources (de)
Summary: The Volvo XC40 is a subcompact luxury crossover SUV (C-segment) manufactured by Volvo Cars. It was unveiled on 21 September 2017 as the smallest SUV model from Volvo, below the XC60. Orders started in September 2017, and manufacturing began in November 2017. Along with conventional petrol and diesel engines, a plug-in hybrid model was introduced in 2019, and a fully electric model was released in 2020. Both the plug-in hybrid and the electric versions were marketed as the XC40 Recharge. In 2024, Volvo renamed the battery electric XC40 to the Volvo EX40, aligning it with newer battery electric models such as the EX30 and the EX90. A coupe version of the battery electric model with a sloping rear roof was released in 2021 as the C40 Recharge. It was renamed to the Volvo EC40 since 2024. The XC40 received the European Car of the Year Award at the 2018 Geneva Motor Show. and the car was named Car of the Year Japan for 2018/2019.

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Brand: Volvo Model: XC40
Price: $32,995 Mileage: 14,629 mi.

For savvy buyers, understanding these dynamics can unlock substantial long-term savings, making car ownership more accessible and less financially daunting. It’s about making informed choices, leveraging data from rigorous safety analyses like those provided by the IIHS, and recognizing that value extends far beyond the initial purchase price. Ultimately, these 12 vehicles serve as shining examples that smart choices in the used car market can indeed lead to an insurance bill that’s lighter than you might imagine, proving once again that true value often lies in the details, just waiting to be discovered.