Disney cruise line — Costa Mesa, CA

Generally, the cheapest months to cruise are during the shoulder seasons, avoiding major holidays and school breaks. These typically include late January through February, and then September through November. During these times, demand is lower, leading to more affordable fares.

For families, Disney Cruise Line consistently ranks high due to its exceptional entertainment and character experiences. Other highly-rated options often include Royal Caribbean for its extensive activities and diverse itineraries, and potentially Norwegian Cruise Line for its flexible dining options. The 'top 5' is very personal and depends on your preferences.

However, for a longer itinerary, a premium cruise line like Disney, or if you plan on significant onboard spending, you'll likely need to budget more.

Carnival Cruise Line and MSC Cruises are frequently mentioned as the most affordable cruise lines. They often have competitive pricing and run frequent promotions, making them accessible for many travelers seeking a fun vacation without the highest price tag.

Carnival and MSC Cruises are typically considered the cheapest cruise lines to go on. They aim to provide an enjoyable and engaging experience at a lower cost. Watching for their deals, especially during the less popular sailing months, can result in significant savings.

The most affordable months to cruise are usually January, February, September, October, and November. These periods fall outside of peak travel times and school holidays, meaning lower demand and more competitive pricing from cruise lines.