Car insurance is crazy expensive – these are the cheapest EVs to insure in 2025

Have you priced out car insurance lately? Regardless of what the gecko or the emu are selling on Hulu these days, believe me when I tell you that insurance premiums are at an all-time high. But fear not, fellow Electrekkies – for I’ve done some digging and unearthed this lest of the cheapest EVs to insure in May 2025!

As I was putting this list together, I realized there were plenty of ways for me to present this information. In the end, I decided to go “countdown style” in descending order, with the absolute cheapest new EV to insure at the end of the article.

5. Nissan LEAF

With its focus on affordable efficiency and die-hard adherence to the practically dead CHAdeMO charging standard, the Nissan LEAF is hardly flying off dealer lots in 2025, but if you’re driving less than 100 miles each way in a given day (or live/work near a CHAdeMO fast charger), the LEAF is one of the least expensive new cars you can buy in 2025. It’s also one of the least expensive to insure, too, with an estimated annual insurance cost of just $2,369.

4. Volkswagen ID.4

One of the most popular legacy EVs, the ID.4 offers Volkswagen build quality and (for 2024) a Chat-GPT enabled interface. To keep ID.4 sales rolling, VW dealers are getting aggressive with discounts, making this fast-charging, 291 mile EPA-rated range, 5-star safety rated EV a value proposition that’s tough to beat – especially when you factor in affordable car insurance, with an estimated annual insurance cost of just $2,318.

Advertisement – scroll for more content

3. Hyundai Kona Electric

Like its corporate twin, the Kia Niro EV, the Hyundai Kona Electric is one of the most underrated little electric runabouts on the market. These cars are always more fun to drive than you think they’ll be, with zippy acceleration, solid quality, plus an approachable sort of anonymity that I think a lot of Tesla drivers would appreciate right now – and, with an estimated annual insurance cost of just $2,276, they’re pretty easy on your wallet, too.

2. Kia Niro EV

Like its corporate twin, the Hyundai Kona Electric, the Kia Niro EV is one of the most underrated little electric runabouts on the market. These cars are always more fun to drive than you think they’ll be, with zippy acceleration, solid quality, plus an approachable sort of anonymity that I think a lot of Tesla drivers would appreciate right now – and, with an estimated annual insurance cost of just $2,239, they’re pretty easy on your wallet, too.

1. Mini Cooper Electric

This is one of those EVs that I tend to forget exists – which is strange, because I can think of at least three fellow car buffs who drive electric Minis. Two came from Tesla Model 3s, while the third chose a 2023 Cooper SE as his first EV. By all accounts, the cars are fun, practical enough around town, and handle like TaG karts. Sure, they’ll turn the 5-ish hour drive from Chicago to Cleveland into a 10 hour one, but that’s not what this car is for, and, with an estimated annual insurance cost of just $2,099, using it for what it is for won’t break the bank.

Honorable mention: Chrysler Pacifica Hybrid

When the plug-in hybrid Chrysler Pacifica minivan first went on sale all the way back in 2016, it seemed to imply that the old Chrysler Corporation was going to race ahead of the other “Big Three” legacy US carmakers. That didn’t happen, but the Pacifica is still the king of cupholders, while the van’s stow n’ go seating, and all the other practical, clever details that add up to remind you Chrysler invented these things. Now, the big PHEV qualifies for a full $7,500 Federal tax credit and, with an estimated annual insurance cost of just $1,897, is one of the cheapest vehicles to insure at any price.

Disclaimer: the vehicle models and financing deals above were sourced from Forbes, CarEdge, and others, and was current as of 05MAY2025. These are not quotes and do not represent an offer to provide insurance. These rates may not be available in every market, or to every customer (the standard “with approved credit” fine print should be considered implied), and their listing here is not an endorsement of any specific vehicle, plan, or policy. Ask with your insurance carrier(s) for an individualized quote when you’re ready to buy.

If you’re considering going solar, it’s always a good idea to get quotes from a few installers. To make sure you find a trusted, reliable solar installer near you that offers competitive pricing, check out EnergySage, a free service that makes it easy for you to go solar. It has hundreds of pre-vetted solar installers competing for your business, ensuring you get high-quality solutions and save 20-30% compared to going it alone. Plus, it’s free to use, and you won’t get sales calls until you select an installer and share your phone number with them. 

Your personalized solar quotes are easy to compare online and you’ll get access to unbiased Energy Advisors to help you every step of the way. Get started here.