How much to Insure?

In a move that should surprise few, auto insurance website has  released a list of the most and least expensive cars to insure, a list that has  a 10-cylinder super convertible at the top and a four-cylinder minivan at the  bottom. released a list of the 20 most and least expensive cars to insure,  and we’ll admit something: there aren’t many surprises on them.

For the most part, the least expensive autos to insure were minivans, pickup  trucks, or compact utility  vehicles: cars like the Honda Odyssey ($1146/year), Toyota Sienna ($1111/year), Ford  Escape ($1137/year) and Chevrolet Silverado ($1143/year) topped the list.  Worth mentioning is that the adage that “there’s no replacement for  displacement” is true, in reverse: in the case of the Sienna, where  four-cylinder and V-6 models are available, the four-cylinder models were less  expensive to insure. Same for the trucks: while the Silverado V-6 model was one  of the 20 least expensive autos, the V-8 models were not.

On the other hand, the most expensive vehicles to insure were a crop of  usual, high  performance  suspects, many with three-digit names: AMG, GT-R, 911, XKR, BMW. Topping the  list was the iconic Audi  R8 Spyder, which will no doubt hit owners with a 5.2-liter V-10 punch and an  average of $3384 in yearly premiums.

On this list, displacement wasn’t always a factor in making cars more or less  expensive to insure: a Porsche 911 Turbo Cabriolet is more expensive to insure  ($2674/year) than a Mercedes-Benz CL65 AMG Coupe ($2669/year), despite having  half the cylinders. The BMW 750 was hit especially hard: all four of the car’s  four variants were on the list. The 750i was 20th, at $2430/year; the  750i xDrive cost $2446, putting it at 19th; the ActiveHybrid 750Li  clocked in at $2641/year; and the ActiveHybrid 750i, without the long wheelbase,  was $2701/year.

Is there a takeaway from this list? Why, of course. If you’re interested in  saving quite a lot of money and you’re in the market for a Nissan, put away the  plans to buy a GT-R ($2457/year) and buy the Frontier ($1162/year) instead.  Granted, if you can afford one of the 20 most expensive cars to insure, we’d  assume you have the insurance money handy, so drive safely.



Least Expensive Cars:

Rank Vehicle Cyl. Nat’l annual avg. rate
1 Toyota Sienna LE 4 $1,111
2 Toyota Sienna 4 $1,114
3 Jeep Patriot Sport 4 $1,116
4 Jeep Compass Sport 4 $1,118
5 GMC Sierra K1500 Regular Cab 6 $1,121
6 Chevrolet Silverado 1500 Regular Cab 6 $1,125
7 Dodge Grand Caravan SXT 6 $1,129
8 Ford  Escape XLS 4 $1,137
9 Toyota Sienna 6 $1,139
10 Chevrolet Silverado 1500 Extended Cab 6 $1,143
11 Dodge Journey SXT 6 $1,143
12 Honda Odyssey LX 6 $1,146
13 Kia Sportage 4 $1,151
14 Hyundai Santa Fe GLS 4 $1,152
15 Jeep Wrangler Unlimited Sport 6 $1,154
16 Nissan Frontier S King Cab 4 $1,162
17 Nissan Frontier SV King Cab 4 $1,163
18 Hyundai Tucson GL 4 $1,166
19 Ford Escape XLT 4 $1,167
20 GMC Canyon 4 $1,167


Most Expensive Cars:

Rank Vehicle Cyl. Nat’l annual avg. rate
1 Audi R8 Spyder Quattro Convertible 10 $3,384
2 Mercedes CL600 Coupe 12 $3,307
3 Mercedes S600 12 $2,948
4 Audi R8 4.2 Quattro Coupe 8 $2,903
5 Porsche Panamera Turbo 8 $2,738
6 BMW 750i Hybrid 8 $2,701
7 Porsche 911 Turbo Convertible 6 $2,674
8 Porsche 911 Turbo S Convertible 6 $2,674
9 Mercedes CL65 AMG Coupe 12 $2,669
10 BMW 750Li Hybrid 8 $2,641
11 Mercedes SL63 AMG Convertible 8 $2,615
12 Mercedes CL63 AMG Coupe 8 $2,613
13 Jaguar XKR Supercharged Convertible 8 $2,585
14 Mercedes S63 AMG 8 $2,542
15 Mercedes C63 AMG Coupe 8 $2,532
16 Audi A8 L Quattro 12 $2,513
17 Mercedes SL550 Convertible 8 $2,458
18 Nissan GT-R Coupe Turbo 6 $2,457
19 BMW 750XI 8 $2,446
20 BMW 750i 8 $2,430


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