You’d think a Prius would be cheap to insure, right? Wrong. Hybrids and electrics can be surprisingly expensive because of their complex battery packs and high-tech parts. A single fender bender can cost thousands to repair. Except for the Nissan Leaf—that ugly little egg-shaped car is actually cheap to insure because nobody wants to steal it.
So, if you want an EV for your first car, get a Leaf. Just be prepared for 80 miles of range and the occasional weirdo asking, "Is that the future?" No, it’s just a cheap insurance hack in disguise.
The final cheat code: stay on your parents’ policy longer
If you can, stay on your parents’ policy even after you get your own car. Companies like Geico and Progressive will often let you be an "occasional driver" on their plan, which slashes your rates. But this only works if you pick one of the cars above. Put them on a Dodge Charger? Goodbye, savings.
Look, being a new driver is expensive enough—you’ve got gas, parking tickets (oops), and the constant fear of parallel parking. Don’t let insurance ruin the vibe. Buy a boring, safe, slow car. Be smug about your low premiums while your friend with a Mustang cries into their wallet.
Now go forth, young grasshopper. Find a Honda Fit. Save your money. And for the love of all that is holy, don’t text and drive—even if you’re just checking your insurance app to see how much you saved.
