Your car choice can save you a ton, or cost you a small fortune every year. Here’s the 2025 rundown, same clean 40-year-old driver, full coverage, national averages. No fancy tables, just the straight facts.

The cheapest rides that keep your premium low

Mazda CX-5 tops the list at around $1,912 a year. Honda CR-V right behind it at $1,932. Then Subaru Forester and Crosstrek both hover around $1,933. Hyundai Kona and Venue sneak in under $1,970-$1,925. Subaru Outback $1,929, Honda HR-V about $1,950, Volkswagen Tiguan $1,960, and Chrysler Voyager (the minivan nobody expects) lands at $1,933. All of these are boring in the best way: cheap parts everywhere, excellent safety ratings, and people drive them like normal humans.

Now the ones that make insurance companies rub their hands together

At the very top, Maserati Quattroporte will sting you for roughly $7,090 a year. Its little brother Ghibli still hits $6,500. BMW M8 Gran Coupe around $6,200, Nissan GT-R $6,079, Audi RS7 close to $5,800. Electric luxury like Mercedes-AMG EQS and BMW i7 both over $5,500-$5,600. Tesla Model S Plaid around $5,200. Even “normal” heavy hitters like Ford F-450 and loaded GMC Sierra Denali crack $3,100-$3,200.

For reference, a Dodge Charger Hellcat (not even in the top 10) still runs most people about $4,400-$4,800. That’s more than double what a Honda CR-V costs to insure.

Why the massive gap? Simple. The cheap list is full of vehicles that rarely crash hard, use parts you can buy at any auto-parts store, and get driven by soccer moms and commuters. The expensive list is packed with crazy horsepower, carbon-fiber everything, batteries that cost $20k to replace, and owners who sometimes treat stoplights like drag strips. Insurers price in the risk and the repair bills, and they don’t play around.

Bottom line: if you want to keep a few extra hundred bucks in your pocket every month, stick to something sensible. If you gotta have the fast or flashy ride, just know you’re paying the “fun tax” in insurance every single month. Totally your call, but now you know exactly how big that tax really is in 2025.