Insurance companies love cars that are slow, safe, and cheap to fix. Think of them as the sensible shoes of the automotive world. Here are the top picks that will save you a fortune.
1. Honda Civic (the older, the better)
The Honda Civic is like that reliable friend who always has snacks. It’s everywhere, parts are cheap, and it’s so safe that insurers practically gift-wrap low premiums.
Get a 2010–2015 model. It won’t turn heads, but it will turn your bank account into a happy place. Plus, you can still pretend you’re in a street race—just without the speed.
2. Toyota Corolla
The Toyota Corolla is the official car of “I have my life together.” It’s durable, cheap, and about as exciting as watching paint dry—which is exactly what insurers want.
New driver’s tip: If you buy a Corolla, you’ll never get pulled over for “street racing.” You’ll get pulled over for “excessive politeness.” Insurance groups: 1–5 for most models—yes, that’s the cheap end.
3. Mazda 3 (a little fun, still cheap)
Okay, this one is a bit less boring. The Mazda 3 is sporty-looking without the “I rob banks” vibes. Insurers like it because it’s reliable and not targeted by thieves.
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Models from 2010–2016 are a sweet spot. You’ll pay less than a pizza delivery per month, but you’ll look way cooler. Pro tip: Paint it navy blue to activate maximum un-excitement.
4. Hyundai Elantra
The Hyundai Elantra is the underdog of cheap insurance. It’s surprisingly safe, has a great safety rating, and your insurer will practically high-five you.
A 2012–2016 Elantra can cost 25% less to insure than a sporty coupe. That’s real money for real snacks. You could buy 25 bags of chips with the annual savings.
5. Ford Fiesta (the tiny hero)
The Ford Fiesta is like a Chihuahua: small, feisty, and cheap to own. It’s got a small engine, so you can’t speed even if you wanted to (which is a good thing).
Newer models (2014–2019) include safety tech like lane keep assist, which insurers adore. Just don’t expect to win any drag races—unless the competition is a tortoise.
