• Jan 11th 2011 at 7:02PM
  • 55
With the calendar year changing from 2010 to 2011, insurance adjusters have recompiled their actuarial tables and that means a new list of the cheapest and most expensive vehicles to insure for the new year. In this case, Insure.com recently conducted a survey of the nations six top insurance carriers and complied a list of 40 vehicles that take top honors in each category.

The study goes past the specific model and narrows down vehicles by trim. Somewhat unsurprisingly, the least expensive vehicles are dominated by minivans, while the most expensive list is filled with high-powered German machines. We cut down the list of 40 to show you the top 10 from each side of the fence and included the average annual premium for each vehicle after the jump.

[Source: Insure.com]

Top 10 Least Expensive to Insure:
10. Toyota Highlander ($1,154.02)
9. Ford Escape ($1,150.26)
8. Toyota Sienna ($1,142.94)
7. Honda Odyssey EX ($1,138.16)
6. Jeep Wrangler ($1,131.27)
5. Nissan Murano ($1,127.84)
4. Honda Odyssey LX ($1,114.62)
3. Toyota Sienna LE ($1,107.70)
2. Toyota Sienna ($1,100.66)
1. Chrysler Town & Country LX ($1,091.80)

Top 10 Most Expensive to Insure:
10. Mercedes-Benz G55 AMG ($3,086.49)
9. Aston Martin DB9 Volante ($3,088.96
8. Porsche 911 Carrera S ($3,092.31)
7. Mercedes-Benz CL600 ($3,114.28)
6. Aston Martin DB9 ($3,120.45)
5. Mercedes-Benz S65 AMG ($3,220.86)
4. Mercedes-Benz SL63 AMG ($3,263.46)
3. BMW 750Li ($3,280.70)
2. BMW 750i ($3,280.70)
1. Mercedes-Benz SL65 AMG ($3,543.81)

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    • 1 Second Ago
      • 4 Years Ago
      No Ferraris, Maseratis, Lamborghinis on that list? Not even a Bugatti?
        • 4 Years Ago
        The Wrangler is one of the more expensive cars to insure from what I've seen. Many of the people that buy them, especially younger folks think they can go anywhere with them and do stupid crap.
        • 4 Years Ago
        I am not entirely sure anyone insures Bugattis. I remember the top gear where clarkson called insurance companies around England asking how much it would cost to insure and none of them even knew what he was talking about. I can't imagine any insurance company would want the liability of having to pay for $1,000,000 for repairs after a wreck. Though all cars have to be insured to a degree...

        I don't know what I am talking about but I have a feeling they left out the Veyron
        • 4 Years Ago
        And the 911 Carrera S is on the list, but not a 911 Turbo? Turbo S? GT3? GT2 RS? They must have to meet some sort of sales criteria or something to make the list.
        • 4 Years Ago
        They tend to be insured by specialty insurance firms so the new ones probably aren't in the data pool, and the few ferrari owners i know of have their cars insured for limited mileage per year and the premium is actually quite low because of this. It's worht noting that most ferraris and lambos are not raced or driven hard and in fact are owned by older men who take care of them.
      • 4 Years Ago
      Remember that cost is also extremely volatile based on where you live and the population density/traffic volume, availability and response time of emergency services, proximity to medical facilities, etc. I only pay $650/yr for a 2007 Mazda6 and it wasn't much more when it was new. I also priced a Mazda3 and a 2006 Acura RSX before I bought--the Mazda3 was barely different than the 6, the RSX was about $100 more.

      Where I lived before I moved less than 5 miles from one zip code in Howard County, Maryland to another and my insurance went up 25%--because the new zip code included a slice of Baltimore County south of the city, while the old one was entirely within a upper-middle-class suburb.
      • 4 Years Ago
      So a Ferrari and a Lamborghini is cheaper to insure than a MERC???
      • 4 Years Ago
      What's the difference between #2 and #8 on the least expensive list? Both just say Toyota Sienna.

      It's kind of lame they list slightly different trim levels so that some cars are on there multiple times. It would be justified in some cases, say a regualr CTS vs. a CTS-V. But a Honda Odyssey LX and EX both being listed? That's just silly.
      • 4 Years Ago
      What happened to the Hyundai Santa Fe?

      Wasn't that #1 for 2009? Seems odd that it would completely drop off the list for 2010...
        • 4 Years Ago
        The formula for determining how much a car will cost to ensure takes into account such statistics as % damaged in accidents, theft rate, reliability (if a part fails and leads to a crash this is covered by the insurance company initially I believe. If I remember how it runs the insurance company cuts an initial check and the auto company pays back the insurance company.) and just how often insurance claims are taken out on these vehicles.

        As hyundai grows in popularity, their cars will become more valuable and more plentiful on the roads. Think about the former mindset of these drivers - they had more limited income than say a toyota or honda driver so they were probably more likely to take care of their car in an effort to preserve value. For a good couple of years there though, the cars were of equal quality to the japanese products while being considerably cheaper/lesser known. So they still had the cheaper insurance rates but were becoming a mainstream car. Now they are truly mainstream. Prices have steadily climbed with quality but now they are in decent numbers on the roads. They are getting into accidents. Cars are being vandalized and stolen as parts gain value. People who don't really care at all about cars or driving are owning them and their values are depreciating at an according rate.

        2010 was also a major turn around year as we saw the fall of toyota with the rebirth of the domestic auto industry so this recalculation of rates takes a lot into account.

        Although I do not work for an insurance agency and have only heard things like this through word of mouth from within so maybe some of these factors aren't as big of an influence as I thought. But still, there are legit reasons if you look deep enough.
      • 4 Years Ago
      your article is full of holes................I have a 2010 infiniti ex that cost me $666 with allstate insurance in calif...........so your least expensive list is false
      • 4 Years Ago
      It is not just about the dollar value of the car but rather the behavioral issues that surface when you are behind the wheel (liability) of the vehicle. case in point: What car would you most likley break the law or do something stupid in?
      a) T & C Mini Van
      b) Aston
      Look at your policy, its the liability (behavior) that cost more than the collision coverage or the comprehensive coverage
      • 4 Years Ago
      Yeah, because getting into an accident is free right? Let me put it to you this way, if it's such a scam why do you have insurance? I'll tell you why, because if you got into a car accident and had to pay to repair or replace the other guy's car you'd be screaming bloody murder.

      At least half the cars on the road today are in the 30 to 50 grand range. That means that if you pay around 2000$ a year you'd have to have been paying insurance for 15 to 25 *years* just to pay back your insurer. Then there's the cost of towing, rental cars for the person you smashed into, medical bills and an ambulance if he/she is hurt, the police that has to show up, the fire department if there's a chance of a fire, court costs... any of this sounding like it's free yet?

      Sounds like a bargain to me, even at twice the price.

      Most insurance companies are evil, don't get me wrong, but imagine if you had to deal with mouth breathers who pay you two 20$ installments for their piece of crap 1998 Cavalier and then smash into a schoolbus, then act like it's your job to reimburse everyone like you're their dad. You'd be a little Darth Vaderish after a while too.
      • 4 Years Ago
      It's funny to see jeep wrangler on the cheap list.
      When I was young it was common thinking that a jeep cost as much to insure as a sports car.
      But then that was back when jeeps were built more for offroading and corners on paved roads were considered incidental usage if they were considered at all by designers/engineers.
      • 4 Years Ago
      seems kinda stupid to me to loose a 100k vehicles a year. Chrysler brand sells about 100k minivans and dodge about 90k.. Killing one brand will not give the other 100k in sales. So what are we left with? higher cost per minivan, less sales,... success!?!?
      • 4 Years Ago
      I find this list bizarre.

      Most of the cars in the "cheapest" list are about ~$25k cars.

      Some of the ones in the most expensive list are well over $100k - right around 4X the cost of some of the cheapest cars - and yet they are only paying 3X what a minivan driver would pay. You would think that since most of the expensive ones are rockets-on-wheels their premiums would be higher percentage-wise than the "cheap" cars.

      One thing I can think of is that the cars on the expensive list would tend to have very low miles, which means less time on the road and less chances with "encounters" with any other vehicles.
        • 4 Years Ago
        You're not guaranteed to get into an accident though, and the higher value cars are actually less likely to get totaled since even a really expensive repair would still be low compared to the value.
      • 4 Years Ago
      Not that surprising.
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