Subaru Forester Is the Cheapest Car to Insure in 2025 — Tesla Model 3 Is the Most Expensive

Cars are expensive. So is insurance. Keeping your car properly insured will add a three-figure amount to your monthly automotive running costs, and as a result, it's something you ought to keep in mind when car shopping. Thankfully, some cars are cheaper to insure than others. In 2025, there are two extremes: the Subaru Forester and the Tesla Model 3.

The Subaru Forester Is The Cheapest New Car To Insure

Consumer Reports does an annual report on insurance costs, using real-world insurance quotes it recommends from Insurify. The prices you'll see here are based on the average annual insurance premium from Insurify's analysis. That means the Subaru Forester's average annual cost to insure is pretty cheap for all sorts of buyers, coming in at $2,184 (the Forester Hybrid is only fractionally more expensive). Other cheap models include Subaru's own Crosstrek ($2,283), the Ford Bronco Sport ($2,279), and the Cadillac XT5 ($2,309).

Most importantly, you're not sacrificing much by owning the cheapest car to insure. The Forester is a pretty solid little SUV, with standard all-wheel drive, tons of safety features (which no doubt contribute to its low running costs), and a solid spread of trim levels to suit various buyers. For the outdoorsy, there's also the Forester Wilderness, which promises enhanced off-road capability, and a Forester Hybrid, which adds a little more power and better fuel economy to the standard Forester formula.

The Tesla Model 3 Is CR's Most Expensive Car To Insure

At the other end of the spectrum sits the Tesla Model 3. The EV has an average annual insurance premium price of $4,835 - more than twice that of the cars discussed above. More than that, the Model 3 leads in this undesirable category by a hefty $300. The next car down, the BMW i4, will run you $4,573 to insure. Other high-dollar premiums include a few other EVs, like the Dodge Charger ($4,538) and the Tesla Model Y ($4,326).

It's not hard to see why Tesla's cars are expensive to insure. The Model 3 and Model Y have both been subject to their fair share of recalls and National Highway Traffic and Safety Administration (NHTSA) investigations over the years. EVs may also incur higher insurance premiums due to their pricey batteries - something no insurance company wants to have to replace. Insurance rates are high, so make sure to thoroughly research average premiums for any car you might be interested in buying.