{"id":3348,"date":"2025-09-04T10:34:50","date_gmt":"2025-09-04T10:34:50","guid":{"rendered":"https:\/\/goldenroosterinsurance.com\/blog\/?p=3348"},"modified":"2025-11-10T13:53:24","modified_gmt":"2025-11-10T13:53:24","slug":"best-insurance-cars-for-young-drivers","status":"publish","type":"post","link":"https:\/\/goldenroosterinsurance.com\/blog\/best-insurance-cars-for-young-drivers\/","title":{"rendered":"Best Insurance Cars for Young Drivers: Picks That Keep Premiums Low and Safety High"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Getting behind the wheel for a young driver feels like freedom. Driving down that open road, music blasting, and feeling the air through that open window &#8211; it&#8217;s a rite of passage for them until they realize that the best insurance cars for\u00a0 young drivers would feel like another rent payment.<\/span><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/best-insurance-cars-for-young-drivers\/#Why_Car_Choice_Affects_Insurance_for_Young_Drivers\" >Why Car Choice Affects Insurance for Young Drivers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/best-insurance-cars-for-young-drivers\/#What_Makes_a_Car_%E2%80%9CInsurance-Friendly%E2%80%9D_for_Young_Drivers\" >What Makes a Car \u201cInsurance-Friendly\u201d for Young Drivers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/best-insurance-cars-for-young-drivers\/#Top_18_Best_Insurance_Cars_for_Young_Drivers_in_2025\" >Top 18 Best Insurance Cars for Young Drivers in 2025<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenroosterinsurance.com\/blog\/best-insurance-cars-for-young-drivers\/#The_Best_Insurance_Cars_for_Young_Drivers_by_Category\" >The Best Insurance Cars for Young Drivers by Category<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">I remember Lara, 23, who just landed her first corporate job and had finally saved enough to buy her car. She\u2019s excited \u2014 until she gets her first insurance quote. Nearly $2,000 every 6 months for a modest sedan. \u201cIs this\u2026 normal?\u201d she asks. I said, \u201cUnfortunately, yes.\u201d But Lara\u2019s story doesn\u2019t end there. By doing her homework and picking a car with top safety ratings and low repair costs, she shaved nearly $500 off her annual premium \u2014 money she now puts toward weekend trips instead of insurance bills.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Car_Choice_Affects_Insurance_for_Young_Drivers\"><\/span><b>Why Car Choice Affects Insurance for Young Drivers<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3350 size-full\" src=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_8_9017177417.jpg\" alt=\"A woman stands in a showroom, attentively looking at a car, considering her options for purchase.\" width=\"1146\" height=\"765\" srcset=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_8_9017177417.jpg 1146w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_8_9017177417-300x200.jpg 300w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_8_9017177417-1024x684.jpg 1024w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_8_9017177417-768x513.jpg 768w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_8_9017177417-150x100.jpg 150w\" sizes=\"auto, (max-width: 1146px) 100vw, 1146px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">If you think insurance companies are just pulling numbers out of thin air, you\u2019re wrong. They\u2019re looking at data \u2014 mountains of it. For young drivers, the stats show higher accident rates, which means higher premiums. But the type of car you drive can swing your rate up or down by hundreds (sometimes thousands) of dollars a year.<\/span><\/p>\n<h3><b>Here\u2019s what they\u2019re factoring in:<\/b><\/h3>\n<p><b>Vehicle type:<\/b><span style=\"font-weight: 400;\"> Sports cars and luxury models? More expensive to insure.<\/span><\/p>\n<p><b>Safety features:<\/b><span style=\"font-weight: 400;\"> Cars with advanced driver-assist systems and strong crash-test scores get rewarded.<\/span><\/p>\n<p><b>Repair costs:<\/b><span style=\"font-weight: 400;\"> Cheaper parts = cheaper claims.<\/span><\/p>\n<p><b>Theft rates:<\/b><span style=\"font-weight: 400;\"> Some cars are magnets for thieves, which drives premiums higher.<\/span><\/p>\n<h3><b>Myth-busting:<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cSmall cars are always cheaper to insure.\u201d Not necessarily \u2014 some compact cars have poor crash ratings.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cOlder cars are always cheaper.\u201d If they lack modern safety features, your rate might go up.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Makes_a_Car_%E2%80%9CInsurance-Friendly%E2%80%9D_for_Young_Drivers\"><\/span><b>What Makes a Car \u201cInsurance-Friendly\u201d for Young Drivers?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When we built this list, we used a few non-negotiables:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High safety ratings from the IIHS and NHTSA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Low repair and replacement costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good fuel economy to save you money at the pump<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reliable crash protection in real-world scenarios<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Strong theft deterrents like immobilizers and alarms<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New vs. Used?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A gently used car can be a sweet spot \u2014 lower purchase price, still modern safety tech, and often lower insurance than a brand-new model.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Top_18_Best_Insurance_Cars_for_Young_Drivers_in_2025\"><\/span><b>Top 18 Best Insurance Cars for Young Drivers in 2025<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To help you, here are our top picks (with a mix of sedans, hatchbacks, and small SUVs):<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Honda Civic (2019\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Toyota Corolla (2018\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mazda3 (2019\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Subaru Impreza (2018\u20132024)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hyundai Elantra (2020\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ford Escape (2019\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kia Soul (2020\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Volkswagen Jetta (2019\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Honda Fit (2018\u20132020)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Toyota Prius (2019\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Nissan Sentra (2020\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Chevrolet Malibu (2019\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hyundai Kona (2020\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Subaru Crosstrek (2019\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Honda Accord (2018\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mazda CX-5 (2019\u20132025)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ford Fusion (2018\u20132020)<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Toyota Camry<\/b> <b>(2019\u20132025)<\/b><\/li>\n<\/ol>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3349 size-large\" src=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Comparison-Table-576x1024.png\" alt=\"Comparison table displaying various types of insurance and their key features and benefits.\" width=\"576\" height=\"1024\" srcset=\"https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Comparison-Table-576x1024.png 576w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Comparison-Table-169x300.png 169w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Comparison-Table-768x1365.png 768w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Comparison-Table-864x1536.png 864w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Comparison-Table-150x267.png 150w, https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/Comparison-Table.png 1080w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">*The average costs shown in the table are based on the national data for 20-year-old drivers who have clean records.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Best_Insurance_Cars_for_Young_Drivers_by_Category\"><\/span><b>The Best Insurance Cars for Young Drivers by Category<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>City Driving:<\/b><span style=\"font-weight: 400;\"> Honda Fit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>SUV:<\/b><span style=\"font-weight: 400;\"> Subaru Crosstrek<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Budget Option:<\/b><span style=\"font-weight: 400;\"> Hyundai Elantra<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Getting behind the wheel for a young driver feels like freedom. Driving down that open road, music blasting, and feeling the air through that open window &#8211; it&#8217;s a rite of passage for them until they realize that the best insurance cars for\u00a0 young drivers would feel like another rent payment. I remember Lara, 23,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":3409,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[17],"tags":[],"class_list":["post-3348","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"taxonomy_info":{"category":[{"value":17,"label":"Insurance"}]},"featured_image_src_large":["https:\/\/goldenroosterinsurance.com\/blog\/wp-content\/uploads\/2025\/09\/imageedit_20_7554524351-1024x576.jpg",1024,576,true],"author_info":{"display_name":"Janeth Ochoa","author_link":"https:\/\/goldenroosterinsurance.com\/blog\/author\/janeth\/"},"comment_info":0,"category_info":[{"term_id":17,"name":"Insurance","slug":"insurance","term_group":0,"term_taxonomy_id":17,"taxonomy":"category","description":"","parent":0,"count":23,"filter":"raw","cat_ID":17,"category_count":23,"category_description":"","cat_name":"Insurance","category_nicename":"insurance","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3348","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=3348"}],"version-history":[{"count":3,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3348\/revisions"}],"predecessor-version":[{"id":3388,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/3348\/revisions\/3388"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/media\/3409"}],"wp:attachment":[{"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=3348"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=3348"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenroosterinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=3348"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}