The Top 10 Least and Most Expensive Cars to Insure

What makes a car cheap or expensive to insure? It all comes down to what insurers call “loss history,” which is the total amount of money that an insurance company will have to pay out in the advent of a totaled vehicle.

It’s not surprising then to see more affordable family haulers on the least-expensive-to-insure list and, conversely, expensive SUVs, luxury cars and sports cars on the most-expensive rankings.

However, that’s not the whole story. According to InsWeb, an online insurance comparison provider, a model’s loss behavior doesn’t only have to do with how much it cost to repair a given model. It also has to do with the likelihood that the given model will be involved in an accident. InsWeb says model loss formulations factor in the history of past individuals who’ve driven the given model and have been involved in accidents. Again, it’s not surprising that cars like the Chevrolet Corvette and Cadillac Escalade are more prone to accidents due to their owners.

This does explain, however, why inexpensive subcompacts such as the Chevrolet Aveo or Nissan Versa aren’t on the least-expensive-to-insure list. Cheaper economy cars tend to be purchased by young drivers, who statistically are involved in more accidents thus increasing loss history.

Continue reading below to find out the top 10 least and most expensive cars to insure. 

10 least expensive vehicles to insure

1.   Kia Sedona 
2.   Mazda5 
3.   Ford Escape 
4.   Hyundai Santa Fe 
5.   Mercury Mariner 
6.   Chrysler PT Cruiser 
7.   Ford Explorer 
8.   Subaru Outback 
9.   Kia Optima 
10. Chevrolet Equinox 

10 most expensive vehicles to insure

1.  Acura ZDX 
2.  Audi TTS 
3.  Audi A5 
4.  Cadillac Escalade 
5.  Chevrolet Corvette 
6.  BMW Z4 
7.  Lexus SC 430 
8.  Jaguar XF 
9.  Cadillac STS 
10. Dodge Challenger

Comments 

Doug G

"Again, it’s not surprising that cars like the ... Cadillac Escalade are more prone to accidents due to their owners"

I bet this seemed so innocent when it was being typed

Steven Perreault

"Again, it’s not surprising that cars like the ... Cadillac Escalade are more prone to accidents due to their owners".....What an offensive statement. It's like saying this was written by someone who doesn't have either vehicle and can't afford to own one.

You can infer what you want from the above statement. InsWeb said driver behavior has a strong influence on incidents that cause claims and a given model’s loss history is directly impacted by the individuals who drive them. Of course correlation does not imply causation, that’s not what we are saying either.

Amuro Ray

Welcome...to the age of political correctness :)

Bowrider

Escalade ESVs must be included. I see a lot of what appear to be petite women driving them. Thank goodness for backup sensors and rearview cameras.

Hector

yes, vertically challenged individuals driving an Escalade or its derivatives are a menace to society.

Anonymous Coward

Visibility and maneuverability are actually quite good in the Escalade. Not sure about the ESV. (Overall, I don't think all of the fake chrome justifies the price, though--and the remark about "their owners" probably refers to the Jersey Shore crowd, which is an even better reason not to buy one.)

Tor

"What an offensive statement. It's like saying this was written by someone who doesn't have either vehicle and can't afford to own one."

The point is people choose cars - and riskier drivers (that are more costly to insure) tend to pick these cars.

That is all they are saying. Nothing wrong with that.

Thank you for sharing this information. I'm looking for more post in the future.Oscar

Dude

Wonder who writs these things??? Nissan GT-R would certainly be on top 10 list.
OH this does not include AWD cars or something like that.

The devil is in the left out details

Chris

Don't forget, Escalades are also one of the most stolen vehicles, which would also affect insurance rates.

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