The Most Affordable Vehicles to Insure in 2025
If you’re in the market for a new car, the cost of insurance is an important factor to consider. California-based Mercury Insurance recently released its annual research on which new vehicles are the most affordable to insure, focusing on electric vehicles, trucks, and SUVs.
Electric Vehicles (EVs)
Mercury’s research and development team reviewed EVs currently available at dealerships, analyzing claims on similar vehicles, repair costs, and safety records. Based on these factors, the 10 most affordable electric vehicles to insure for 2025–2026 are:
Chevrolet Blazer EV
Chevrolet Equinox EV
Nissan Leaf
Kia Niro EV
Ford F-150 Lightning
Hyundai Kona EV
MINI Cooper SE
Hyundai IONIQ EV (all models)
Fiat 500e
Subaru Solterra / Toyota BZ4X
Trucks
Earlier this month, Mercury also compiled a list of the most affordable trucks to insure in 2025. Leading the rankings were two Chevrolet models and a Hyundai. The top 10 trucks include:
Chevrolet Colorado LT
Chevrolet Silverado C3500
Ford Maverick / Ford Ranger
Hyundai Santa Cruz SE
Toyota Tundra CrewMax
Ford F-150
Toyota Tacoma
Ford F-350 Super Duty
Dodge Ram 1500
GMC Canyon
SUVs
Mercury’s research also identified the top SUVs for affordable insurance. Honda, Kia, and Hyundai models were strongly represented on this list:
Hyundai Santa Fe
Honda Pilot
Chevrolet Blazer
Kia Sportage
Honda Passport
Ford Escape
Kia Soul
Honda HR-V
Honda CR-V
Kia Sorento
Why It Matters
Insurance costs can vary widely depending on the type of vehicle, its repair history, and safety performance. For families, commuters, or business owners looking to manage their expenses, knowing which vehicles carry the lowest insurance costs can make a meaningful difference in the total cost of ownership.
At Allco Insurance, we keep our clients informed on how vehicle choices can affect their insurance premiums. If you’re considering a new EV, truck, or SUV, we can help you compare coverage options and find the best policy for your needs.