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Insure.com’s List of the 20 Least and Most Expensive Cars to Insure

By JLP | February 8, 2012

Car shopping? If so, Insure.com’s list of 20 least and most expensive cars to insure might be something you will want to read.

Their list of the 20 least expensive cars to insure:

1. Toyota Sienna LE: $1,111
2. Toyota Sienna 4 cyl: $1,114
3. Jeep Patriot Sport: $1,116
4. Jeep Compass Sport: $1,118
5. GMC Sierra K1500 Regular Cab: $1,121
6. Chevrolet Silverado 1500 Regular Cab: $1,125
7. Dodge Grand Caravan SXT: $1,129
8. Ford Escape XLS: $1,137
9. Toyota Sienna 6 cyl: $1,139
10. Chevrolet Silverado 1500 Extended Cab: $1,143
11. Dodge Journey SXT: $1,143
12. Honda Odyssey LX: $1,146
13. Kia Sportage: $1,151
14. Hyundai Santa Fe GLS: $1,152
15. Jeep Wrangler Unlimited Sport: $1,154
16. Nissan Frontier S King Cab: $1,162
17. Nissan Frontier SV King Cab: $1,163
18. Hyundai Tucson GL: $1,166
19. Ford Escape XLT: $1,167
20. GMC Canyon: $1,167

The 20 most expensive cars to insure (I don’t have to worry about this list):

1. Audi R8 Spyder Quattro Convertible: $3,384
2. Mercedes CL600 BI-T Coupe: $3,307
3. Mercedes S600 BI-T: $2,948
4. Audi R8 4.2 Quattro Coupe: $2,903
5. Porsche Panamera Turbo: $2,738
6. BMW 750i Hybrid: $2,701
7. Porsche 911 Turbo Convertible: $2,674
8. Porsche 911 Turbo S Convertible: $2,674
9. Mercedes CL65 AMG Coupe: $2,669
10. BMW 750Li Hybrid: $2,641
11. Mercedes SL63 AMG Convertible: $2,615
12. Mercedes CL63 AMG Coupe: $2,613
13. Jaguar XKR Supercharged Convertible: $2,585
14. Mercedes S63 AMG: $2,542
15. Mercedes C63 AMG Coupe: $2,532
16. Audi A8 L Quattro: $2,513
17. Mercedes SL550 Convertible: $2,458
18. Nissan GT-R Coupe Turbo: $2,457
19. BMW 750XI: $2,446
20. BMW 750i: $2,430

You can read about their methodology here.

Topics: Cars, Insurance | 4 Comments »


4 Responses to “Insure.com’s List of the 20 Least and Most Expensive Cars to Insure”

  1. BG Says:
    February 8th, 2012 at 8:47 am

    Insurance costs is directly correlated to value of the vehicle being insured — unless you opt for liability only (this study is for full coverage).

    Secondly, the engine size is also directly correlated. The bigger the engine, the more your liability costs are going to be.

    Note that the cars with the lower costs are either 4-cylinder cars, or large trucks with wimpy 6-cylinder engines. The most expensive to insure car list is full of 8/10/12 cylinder engines (aside from the Porsche which only comes in a 6-cylinder engine).

  2. PK Says:
    February 8th, 2012 at 12:30 pm

    I don’t understand this at all. I insure 3 cars, including one sports car, for less than Sienna. Yes I doubled my 6 month rate to get annual (my 3 cars are 550 every 6 months).

  3. BG Says:
    February 8th, 2012 at 12:50 pm

    PK — I’m guessing your cars are not 2012 models, you are married, have a multi-car discount (probably a bundled home insurance discount too), perhaps have lower than 100/300/50 liability limits, and no uninsured motorist coverage.

    Any of which will put your rates lower than the ones quotes in the article. They aren’t trying to compare rates across insurance carriers, but are comparing the cost to insure specific vehicles.

    From TFA:

    “Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on personal factors.”

  4. JLP Says:
    February 8th, 2012 at 1:08 pm

    We have a $1,000 deductible.

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