As car prices and maintenance costs continue to climb, insurance bills are becoming a more noticeable burden for drivers. A new study by Consumer Reports and Insurify names the 2025 Subaru Forester the cheapest car to insure in the U.S., with an average annual premium of $2,184. Close behind are the Ford Bronco Sport ($2,279), Subaru Crosstrek ($2,283), Cadillac XT5 ($2,309), and Kia Soul ($2,336).

At the opposite end of the spectrum is the Tesla Model 3, with average coverage of $4,835 a year—more than twice what many mainstream models cost to insure. It’s followed by the BMW i4 ($4,573), Dodge Charger ($4,538), Tesla Model Y ($4,326), and Ford Mustang ($4,045).

Analysts note that premiums are shaped not only by a car’s output and price, but also by repair complexity, parts availability, and the frequency of claims. Subaru continues to score well thanks to its reliability and relatively low service costs, while Tesla remains notable for pricey post-crash repairs. The pattern feels predictable on the street: vehicles that are simpler and cheaper to put right tend to keep insurers—and owners—more at ease.