Most and Least Expensive Cars to Insure for 2011

Compact crossovers, minivans and SUVs are the cheapest cars to insure for 2011, according to a new study from Insure.com. It costs less to insure family vehicles because they aren’t as likely to get into crashes as flashier luxury and sports cars, says Russ Rader, spokesman for the Insurance Institute for Highway Safety. Even so, it’s surprising to see that not one sedan model made Insure.com's most-affordable top 20 list.

The leader in the most-affordable arena was the Chrysler Town & Country LX minivan, with a national average annual premium of $1,092. It’s important to note that the redesigned 2011 Town & Country (above) doesn’t have an LX trim and costs about $5,000 more than the 2010 model. We'd assume this model won’t be at the top of the most-affordable list next year, but then again, the Town & Country might not be long for this world anyway. We'd expect a Dodge Grand Caravan would be similarly affordable.

According to Insure.com, the Mercedes-Benz SL65 AMG roadster is the most expensive car to insure for 2011, at a cost of $3,544 for a single driver with a clean record. Though, with a starting price of $198,750, the insurance cost is probably an afterthought for the person who can afford such a vehicle.

You might remember that we had another list like this in November from InsWeb, an insurer comparison provider. Unsurprisingly, minivans — like the Kia Sedona — and family-oriented sedans were cheaper to insure than exotic German sports cars in that study as well. InsWeb’s reasoning for the difference in insurance cost had to do with a given vehicle’s loss behavior and how much it cost to repair that vehicle; the same formulation was used by Insure.com here.

InsWeb did go a bit further in saying that their formulations factored in the propensity that a given vehicle would be involved in an accident caused by their owners. Below you’ll find the complete list of the least and most expensive cars to insure from Insure.com.

2011 vehicles with the lowest car insurance rates

Rank

Make

Model

Style

Cylinders

National average annual premium

1

Chrysler

Town & Country LX

4 Door Wagon

6

$1,091.80

2

Toyota

Sienna

5 Door Wagon

4

$1,100.66

3

Toyota

Sienna LE

5 Door Wagon

4

$1,107.70

4

Honda

Odyssey LX

5 Door 2WD SOHC

6

$1,114.62

5

Nissan

Murano SL

2WD 4 Door Utility

6

$1,127.89

6

Jeep

Wrangler Unlimited Sport

4WD 4 Door Utility

6

$1,131.27

7

Honda

Odyssey EX

5 Door 2WD SOHC

6

$1,138.16

8

Toyota

Sienna

5 Door Wagon

6

$1,142.94

9

Ford

Escape XLS

4WD 4 Door SUV

4

$1,150.26

10

Toyota

Highlander

4 Door 2WD Utility

4

$1,154.02

11

Honda

CR-V LX

5 Door 2.4L

4

$1,155.44

12

Hyundai

Santa Fe GLS

4 Door 2WD Utility

4

$1,157.66

13

Jeep

Patriot Sport

2WD 4 Door Utility

4

$1,157.70

14

Jeep

Wrangler Unlimited Sahara

2WD 4 Door Utility

6

$1,161.20

15

Jeep

Wrangler Sport

4WD 2 Door 3.8L Utility

6

$1,162.97

16

Mazda

Tribute I

2WD 4 Door Utility

4

$1,163.24

17

Ford

Escape XLT

4WD 4 Door SUV

4

$1,166.20

18

Chrysler

Town & Country Touring

4 Door Wagon

6

$1,167.38

19

Honda

Odyssey EX-RES

5 Door 2WD SOHC

6

$1,167.93

20

Subaru

Forester X

4 Door SUV AWD

4

$1,170.45

2011 vehicles with the highest car insurance rates

Rank

Make

Model

Style

Cylinders

National average annual premium

1

Mercedes

SL65 AMG

2 Door Convertible

12

$3,543.81

2

BMW

750i

4 Door Sedan Hybrid

8

$3,280.70

3

BMW

750Li

4 Door Sedan Hybrid

8

$3,280.70

4

Mercedes

SL63 AMG

2 Door Convertible

8

$3,263.46

5

Mercedes

S65 AMG

4 Door Sedan Turbo

12

$3,220.86

6

Aston Martin

DB9

2 Door Coupe

12

$3,120.45

7

Mercedes

CL600

2 Door Coupe

12

$3,114.28

8

Porsche

911 Carrera S

2 Door Cabriolet

6

$3,092.31

9

Aston Martin

DB9 Volante

2 Door Convertible

12

$3,088.96

10

Mercedes

G55 AMG

4WD 4 Door Utility

8

$3,086.49

11

Mercedes

CL65 AMG

2 Door Coupe

12

$3,063.73

12

Mercedes

CL63 AMG

2 Door Coupe

8

$3,058.69

13

Porsche

911 Carrera 4S

2 Door Cabriolet

6

$3,046.87

14

Mercedes

SL550

2 Door Convertible

8

$2,942.97

15

Jaguar

XJ L Supercharged

2WD 4.2L 4 Door Sedan

8

$2,940.94

16

Jaguar

XJ L Supersport

2WD 4.2L 4 Door Sedan

8

$2,940.94

17

Porsche

911 Carrera 4

2 Door Cabriolet

6

$2,921.61

18

Porsche

911 Carrera S

2 Door Coupe

6

$2,919.90

19

Mercedes

S63 AMG

4 Door Sedan

8

$2,898.30

20

Jaguar

XJ Supercharged

2WD 4.2L 4 Door Sedan

8

$2,853.24

Comments 

Amuro Ray

Not a single "car" in the lowest list. That's a bummer and surprise :(

65Chrysler300

I'm surprised that Jeep Wrangler is on the low list.

ali

u about me some information..

you would expect the higher end vehicle to have the highest car insurance rates right? I have a question if they are listing the "lowest car insurance rates" where are the cars at on the list? like the charger or 300 I would like to see where they fall on the list.

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