No particular order, but these are my recommendations:
From Tamiya:
M-41 Walker Bulldog
T-62A
Panther A
These are all readily available, and if you have a nearby Hobby Lobby, will likely be in stock.
All 3 can had for less than 25.00 each, and like what was pointed out, start at about nine bucks (M-41) with the HL 40% off coupon…
If I had to pick a favorite of teh three, it’s the M-41… It has everything a budding clanker needs to get aquainted with like, return rollers (no need to worry about the “dreaded track-sag”, separate-molded grab-handles, bore evacuator, muzzle brake, “motorization” and sponson holes that need to be filled, periscopes that need either “glass” installed or drilled out and glass installed, and a good commander figure to po the figure-painting cherry… Also, a rattle-can of Olive Drab will take care of the painting rather than having to worry about a complex camouflage scheme (although the others can done with one color as well)…
It’s quite well-detailed for its age, and can also stand a little scratchbuilt detail on the tool boxes (X-shaped stiffeners) that’s not difficult at all to do. A few pieces of stretched sprue will finish them out, and also be used for radio antennas…
But anything from Tamiya will do for a first kit, as long as you can get it for under 25.00 (w/Hobby Lobby coupon)… Spending more money than that on your first one is rather risky, IMHO… You really don’t wanna drop 40-50 bucks on a first-time armored vehicle… For some, Armor is an “aquired taste” after coming from aircraft… No point in dropping a bunch of money on something you may not like, or even finish…
Stay away from the 1/48th scale stuff in Armor too, for your first few builds… They’re no bargain just because they’re smaller… Although, there’s a few wheeled vehicles in that scale that work great with aircraft dioramas, if that’s your thing… They build out great though… It’s just that they IMHO, don’t really give the “feel” of armor-building, and are better as diorama supporting vehicles/accessories…