Army Lucerne

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InsWeb's Top-10 Most and Least Expensive Vehicles to Insure

American culture attributes the car we drive to our persona - defining our values, our sense of style, and to some extent, our eccentricities. It's the reason that Corvette owners wave to each other, and why everyone feels the need to catch a look to see who's driving the Hummer. In the same manner, the car we drive also determines how much we pay for car insurance. Easily an afterthought to the monthly car loan payment, many owners are "car-broke" because of their insurance costs and don't even know it.

Are you driving one of the most expensive cars to insure?

Factors That Determine Car Insurance Rates

There are a handful of factors that determine how much a person pays for insurance, including gender, age, driving record, location of residence, annual driving mileage, credit scores (in most states), and most importantly, the car we drive. Although common-sense holds that the more expensive a car, the more expensive the insurance, this is not always the case. Insurance rates differ greatly between makes and models. If a car performs well in crash tests, it's not frequently stolen, and has additional safety or anti-theft devices, it will generally cost less to insure it. On the other hand, if your car is flashier, attractive to thieves, and doesn't wow anyone in the crash tests, it will cost more to insure.

10 Most Expensive to Insure
1 Aston Martin DB9
2 Bentley Continental
3 Dodge Viper
4 Porsche 911
5 Chevrolet Corvette
6 Porsche Cayman
7 BMW X5
8 Cadillac Escalade
9 Land Rover Range Rover
10 BMW 128I

10 Least Expensive to Insure
1 Mercury Grand Marquis
2 Buick Lacrosse
3 Toyota Avalon
4 Kia Sportage
5 Chevrolet Equinox
6 Ford Escape
7 Kia Optima
8 Subaru Tribeca
9 Buick Lucerne
10 Ford Ranger

To create each list, we carefully analyzed rate data for every driver with a 2009 model vehicle who visited InsWeb.com for an auto insurance quote this year. After combing through tens of thousands of quotes, we came up with an average rate for each make and model and sorted the results by price. Each make and model must have had at least 50 quote requests to qualify.

What's the Fastest You've Taken It?

If you drive a high performance vehicle with more horsepower than General Washington's Army, insurance companies have no other choice but to assume that you will use it and practice riskier driving. Should you get into an accident, regardless of fault, the cost of returning your vehicle to its original condition can be extraordinary--even for a seemingly harmless fender bender.

Bigger Is Safer, But Causes More Damage

Although SUVs, large trucks, and other large road warriors might be safer than compact cars in accidents, they tend to foster a more expensive liability coverage rate given the fact that they inflict more damage than most standard cars in accidents. On another note, there are still many SUVs that have inherent safety flaws in their design, specifically with rollover tests. Accordingly, insurance companies share these additional financial risks onto the driver in the form of higher premiums.

Car Insurance Companies Love Family Cars

Cars that are particularly associated as "family cars" tend to have lower insurance premiums. These types of cars include minivans, family sedans, and station wagons. Cars that are used primarily to transport a family are generally involved in fewer accidents, due to safer driving habits associated with those who transport family members.

About the Author

InsWeb.com's insurance experts write about all things health, auto, life, and home insurance. To learn more about insurance and receive free insurance quotes, visit InsWeb.com.

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