Anybody who's ever owned a car knows that it costs more than the price tag indicates. Between insurance, filling up at the pump and maintenance, sometimes people can be shocked at the overall cost of driving. However, there are certain cars that have a much lower cost of ownership than others, according to Kiplinger.com.

Many people may be turned off by the high initial price of hybrids, but that's not the case with the Honda Insight. A lot of the time people cite the fact that hybrids require a lot of maintenance, but with the Insight the total cost of five-year repairs and upkeep is only about $3,300. This is about the same as owning a gas-powered car. Throw in the fact that you'll save a great deal of money on gas and it turns out to be one of the most affordable cars on the road.

Kia has come a long way over the last few years in terms of reliability. Though their cars are just as affordable as ever, the brand's reputation has become a lot better. That is especially true with the Kia Rio, which is one of the cheapest cars to own, the website says. The total five-year cost of ownership comes out to under $30,000 thanks in large part to low fuel and insurance costs.

At the top of the list is the Nissan Versa. Thanks to a redesign and some top-of-the-line amenities, the Versa offers luxury at an affordable price, the website says. With a 36 mile-per-gallon fuel economy and low insurance rates, the five year cost sits at just over $27,000.

Though there are other things to consider, a low initial cost is still important. New Jersey State Auto Auction offers consumers a wide variety of makes and models at affordable prices.