Cheapest Cars to Insure in the UAE in 2025

car insurance is a legal requirement in the UAE, but that doesn’t mean it has to break the bank. With inflation, rising living costs, and increasing fuel prices, finding a vehicle that’s not just fuel-efficient but also cheap to insure is a top priority for many UAE residents. In 2025, some cars continue to stand out for offering low insurance premiums, making them ideal choices for cost-conscious drivers.

Here’s a breakdown of the most budget-friendly cars to insure in the UAE this year.

1. Toyota Yaris

The Toyota Yaris remains one of the most affordable cars to insure in 2025, thanks to its solid safety features, low accident record, and inexpensive repair costs. It's particularly attractive to younger drivers and expats new to the UAE. Its reliability, resale value, and fuel economy further help keep insurance premiums low.

Why it’s cheap to insure:

Low-cost parts and servicing
High safety ratings
Low-theft risk

2. Hyundai Accent

This practical sedan offers a great balance between comfort and economy. With a modest engine size and a strong record for safety, the Hyundai Accent appeals to both families and solo commuters looking for insurance savings.

Insurance-friendly features:

Affordable replacement parts
Strong crash-test performance
Good availability of service centers

3. Kia Picanto

Compact, efficient, and easy to maintain, the Kia Picanto continues to be a favorite for budget-conscious motorists. Its small engine size means lower risk and less damage in collisions, making it a low-risk car from an insurer’s point of view.

Ideal for:

City driving
First-time car owners
People seeking low annual premiums

4. Nissan Sunny

The Nissan Sunny is a spacious sedan that’s been around for decades, known for its simplicity and reliability. Its low depreciation and strong availability of spare parts across the UAE make it cheap to insure and repair.

Key insurance benefits:

Low-risk profile
High availability of used parts
Good resale value

5. Mitsubishi Attrage

Though not flashy, the Mitsubishi Attrage offers exceptional fuel economy and minimal maintenance costs. The smaller engine size and limited accident history keep insurance premiums on the lower end.

Best for:

Daily commutes
Budget-focused expats
Eco-conscious drivers

What Makes a Car Cheap to Insure?

Insurers look at multiple factors when determining premiums. The cheapest cars to insure typically share a few common traits:

Low engine capacity: Smaller engines mean lower speeds, which equals less risk.
High safety ratings: Airbags, ABS brakes, and crash protection lower the insurer’s risk.
Low theft appeal: Popular models with strong anti-theft features cost less to cover.
Affordable repairs: Cars with widely available parts are cheaper to fix—and insure.
Lower accident statistics: Some models are statistically involved in fewer or less serious accidents.

Tips to Get the Best Insurance Rates in 2025

Even if you drive a low-risk vehicle, there are ways to reduce your premium even further:

Compare multiple quotes before deciding. Many online platforms in the UAE allow you to compare prices instantly.
Opt for third-party coverage if your car is older and you don’t need full coverage.
Install safety features like dash cams and GPS trackers, which may earn you discounts.
Maintain a clean driving record—no claims can lead to significant savings via a No Claim Bonus (NCB).

Final Thoughts

Choosing a car that’s Cheap Car insurance in the UAE is more than just picking the lowest sticker price—it’s about looking at the long-term running costs. Toyota, Hyundai, Kia, and Nissan continue to lead the way in 2025 with models that are affordable, reliable, and easy on your Car insurance budget. Whether you're a new expat, a student, or a long-time resident, these vehicles are smart choices for keeping your insurance premiums in check.