• Jun 9th 2009 at 12:29PM
  • 48

Click above for Most Expensive ------------------------------- Click above for Least Expensive

There are lots of variables to consider when shopping for your next new car. Obviously, the initial purchase price is a big part of the decision, but that's certainly not the only sum to factor in. For instance, the cost of gas and insurance need to be added in to figure out the final monthly expenditure. This being the case, we're all keenly interested to know how vehicles compare when it comes to these ancillary charges.

Thankfully, there are experts paid to do this tedious work for us. Researchers from Insure.com compiled a list of nearly 300 vehicles available in 2009 and has broken them out in order of average insurance costs. For the most part, the list plays out pretty much as you'd expect to see. There are a few surprises, though. For instance, coming in as the eleventh most expensive vehicle to insure – and therefore the first vehicle not appearing on our list of the most expensive cars to insure – is the Chevy Cobalt SS. That means the littlest Super Sport in the Bowtie stable costs more to insure than cars like the Jaguar XKR, BMW M3 and Audi R8. Who'da thunk?

Want to know more? Take a moment to follow us along as we take a brief look at both ends of the insurance cost spectrum. First, click here to see the Top 10 Most Expensive Cars to Insure. Finished? Perfect, as an interesting counterpoint, click here to see the Top 10 Least Expensive Cars to Insure. Remember, the prices quoted by Insure.com are averages, so your actual insurance premiums may vary widely.

[Source: Insure.com, Main image by limonada | CC2.0]

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    • 1 Second Ago
      • 6 Years Ago
      Interesting that the Hummer was included. Partly b/c of the demographic driving it but I wouldn't be surprised if it is partly due to the amount of damage they can do to other drivers/cars in an accident.
      • 6 Years Ago
      Clearly, I was not polled. Mazda6: $3500CAD/year. If mom's were mine, of course.

      I dont know how these 18-25s on campus manage to insure Accord V6s and they're precious 3-series BMWs. Oh yeah, now I remember: they're all middle-eastern and being paid by mom&dad to A) go to school, B) drive a nice car and C) be loathable pricks.
        • 6 Years Ago

        Because of this, the Infiniti G35/37 and the BMW 3-series are ruined for me.
      • 6 Years Ago
      It must be the national average because I was quoted $2800/year for a Passat CC. I have 15+ years driving and no accident or ticket in ten years, hmmm!
        • 6 Years Ago
        Zoiks!!! $2800?

        I pay $80 a month for a 3series.
      • 6 Years Ago
      Soooo high performance and luxury cars are expensive to insure.

      Minivans and crappy korean SUVs are inexpensive to insure.

      Nothing new has been learned.
      • 6 Years Ago
      $3000/year for a 23 year old male to insure a 2004 mazda 6 with no tickets or accidents. yay for insurance companies screwing canadians over.
      • 6 Years Ago
      I thought that Buggati would be #1, or a Lambo or a Ferrari
        • 6 Years Ago
        They said that they only sampled 300 cars, nothing on the list was much over 100 grand. So those cars probably do cost more.
        • 6 Years Ago
        My 355spider is a 98 and Is only a touch over 500 a year as a second-pleasure car. I think the rates are lower because most of them are used as second cars, and have a fewer annual miles then I would think most cars on this top 10 list. I only put maybe 1400 miles on it last year.
        But that is my best guess, its funny to me that has been the least expensive part of ownership over the years.
      • 6 Years Ago
      When I was 16 I owned a brand new 1995 Eclipse GS-T. It cost me $6500/yr to insure...well okay it cost my parents that much. (It's great being the only kid.)
      • 3 Years Ago
      I was surprised by a couple of the cars that made the list for the most expensive auto insurance rates. I am going to have to consider trading my Colbolt for a car that will lower my insurance cost. Anyone have a suggestion for a place to buy a new car in Oakville? (http://www.spriggs.ca)
      • 6 Years Ago
      Not surprised that Santa Fe was number 1, and the rates get even better if you're looking at a used truck. I priced out insurance on an '04 to almost 15% less than anything else, even vans, and 20-30% less than most cars. Too bad that era of Santa Fe looked like it was permanently melting, and they chug gas.
      • 6 Years Ago
      Average Insurance rates are a little silly for all of the factors that go into insurance, driver's age etc.

      Lets just compile a list of cars single males that drive fast tend to own/operate. Also note that vehicles owned or financed by banks add to premiums, so any vehicle that is typically leased, or financed. Then for the inexpensive lets compare it to cars married females with 3 kids that have never feared getting a speeding ticket typically would own/operate and pay for with cash.

      The stats are a little funny on this...

      Allstate wanted $5000/yr for my tC in NJ with no tickets and the only report on my record was a repair from annihilating a deer (which is not hard to do here in West Jersey) I politely refused and went to Progressive that is around $1200/yr... My F-150 was by far the cheapest to insure for me, under $900/yr, for a 94 Lightning with full coverage.

      Like I said, too many factors to really make this list...
      • 6 Years Ago
      $2,020 average monthly insurance bill? BMW M5

      • 6 Years Ago
      no surprise there really...

      There are so many factors affecting a rate quote -- i chuckled a little how the Mustang GT500 was more expensive than those below it. Not saying it's a bad car, just the TYPE of people that buy it perhaps have shown a less than stellar record of keeping the shiny side up.

      I pay $1800/year for full coverage on my 08 Z06 and also liability on my beater S10. Clean record.
        • 6 Years Ago
        Actually...if you need help figuring this one out I'll help you.

        Believe it or not...the GT500 is on that list because it is very likely to be stolen due to it's parts being so interchangeable with a million other Mustangs....this is a no-brainer. Your stereotyping the GT500 drivers as irresponsible drivers is way off. Most of the guys who buy these cars know how to drive that type of car. (If you wanted to say that about a Mustang GT...then you would have sounded like you knew what you were talking about)

        The insurance on your Vette is less because the demographic that drives your car is in the 50-70yr old range. Also, Vette's are driven much less. The statistics are favorable.

        You should be able to figure this out. The cost to fix a fiberglass Vette is way more than a Mustang.
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