StartSSL is 0 USD/year. There should be more providers like them, and if the barriers to entry ($$$$) weren't so insurmountable, I'd happily start one myself. But they do a good job, and I've used several free certs from them with no issues.

https://www.startssl.com/?app=1

You also don't need "expensive" hosting, it just needs to support SSL which is free from a technical perspective. You no longer need a dedicated IP either.