Insurance costs can make or break a car purchase, especially in Canada where premiums swing wildly between provinces. Yet some models consistently land at the lower end of the charts. They are inexpensive to repair, safe in crashes and rarely attract risky driver profiles. These ten cars have earned reputations as the friendliest options for insurance budgets, and Canadian drivers appreciate them for far more than their low premiums.
Honda Civic
The Civic remains one of the cheapest cars to insure because it blends strong safety ratings with affordable repair costs. Its calm driving nature reduces claim risk and parts availability is unmatched. Insurers know Civics are driven by a wide range of responsible owners which keeps premiums low. Drivers love it because the Civic feels solid, efficient and easy to live with year after year.
Toyota Corolla
The Corolla’s legendary durability plays a big role in its low insurance costs. It rarely suffers major mechanical failures and repairs are inexpensive. Its crash test performance impresses insurers and its popularity ensures cheap replacement parts. Drivers appreciate its reliability and fuel economy which makes the Corolla a practical choice for anyone who wants a car that stays affordable long after purchase.
Hyundai Elantra
Hyundai positioned the Elantra as a smart value car and insurers treat it accordingly. Modern safety tech comes standard, helping reduce collision claims. Repair costs are reasonable and the car’s performance does not attract high risk drivers. Canadians like the Elantra because it offers comfort, style and strong equipment without driving up insurance costs.
Kia Forte
The Forte’s low repair prices and solid safety scores keep premiums friendly. It is not a high theft target which further reduces insurer risk. The calm, predictable driving experience appeals to a broad audience. Drivers love the value, the cabin features and the peace of mind that comes with a low cost ownership profile.
Mazda3
The Mazda3 may look sporty but insurers classify it as a safe, stable compact with excellent crash protection. Its parts are widely available and repairs are straightforward. Premiums stay low because it is rarely involved in high risk behaviour compared to more powerful cars. Canadian drivers value its sharp handling and upscale feel which make the Mazda3 feel more premium than its insurance suggests.
Subaru Impreza
Standard all wheel drive helps the Impreza avoid accidents in winter, which insurers reward. It offers strong visibility, stable handling and proven safety engineering. Replacement parts remain affordable because of Subaru’s long Canadian presence. Drivers love the confidence they get in snow and ice without paying SUV level premiums.
Volkswagen Jetta
The Jetta’s low insurance costs come from its solid safety record and predictable repair expenses. Insurers favour models with calm driving behaviour and the Jetta fits that perfectly. It appeals to families, commuters and new drivers because it feels refined without carrying high performance risk. The fuel economy and cabin space give it broad everyday appeal.
Nissan Sentra
The Sentra’s modern redesign brought improved safety tech that lowers collision claim rates. Insurers also appreciate its quiet, modest driving personality. The car is inexpensive to repair thanks to wide parts availability. Drivers enjoy the Sentra because it offers comfort, space and features that compete with pricier rivals while staying budget friendly.
Toyota Prius
The Prius consistently earns low insurance rates because its drivers tend to be cautious and its safety systems work exceptionally well. While hybrid components can be expensive, insurers offset that with the model’s low accident profile. Canadians love the Prius because it offers unmatched fuel economy, calm road manners and long term reliability.
Chevrolet Spark
The Spark sits at the bottom of the insurance cost spectrum because of its modest power, low repair bills and simple construction. It is a favourite among students and city drivers who appreciate its easy parking and low running costs. Insurers reward its small footprint and strong safety ratings for the segment which keeps premiums impressively low.
25 Facts About Car Loans That Most Drivers Don’t Realize
Car loans are one of the most common ways people fund car purchases. Like any other kind of loan, car loans can have certain features that can be regarded as an advantage or a disadvantage to the borrower. Understanding all essential facts about car loans and how they work to ensure that you get the best deal for your financial situation is essential. Here are 25 shocking facts about car loans that most drivers don’t realize:
25 Facts About Car Loans That Most Drivers Don’t Realize
