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Survey Ranks the Most and Least Expensive Vehicles to Insure

By Trevor Dorchies | February 09, 2012
Ever wonder what the most and least expensive cars to insure are? Well you're in luck, as Insure.com has compiled a list of the top 20 vehicles for each category. Many factors were taken into consideration while building this list, such as the frequency of crashes for a model, cost of repairs, cost to insure a vehicle when it's totaled, and cost of bodily injury claims. All of these factors were taken into account and over 900 vehicles were evaluated. The overall rankings were based on the average insurance rates for a single, 40-year-old male who travels 12 miles to work every day. Average auto insurance rates were gathered from what Allstate, Farmers, GEICO, Nationwide, Progressive, and State Farm charge in 10 zip codes per state. Policy limits included $100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damages. A $500 deductable on collision and comprehensive coverage was also included along with the assumption the driver has a clean driving record and a good credit rating. As usual, actual rates will vary depending on individual factors surrounding a driver. As for the most and least expensive vehicles to insure, the Audi R8 Spyder Quattro convertible takes the number one spot needing an extra $3384 to insure it. The Toyota Sienna LE on the other hand, only requires an extra $1111 to be covered with auto insurance. It should come as no surprise that a supercar sits at the top of the most expensive vehicles to insure list while a minivan is the cheapest. Audi's R8 knocks off perennial contenders from Mercedes-Benz and Porsche for the most expensive vehicle to insure in 2012. Not all other super car insurance information was made available, so they were omitted from this survey. Check out the full top 20 vehicles that are the most and least expensive to insure below. The most expensive 2012 vehicles to insure per year, according to Insure.com, are: 1. Audi R8 Spyder Quattro Convertible: $3,384 2. Mercedes CL600 BI-T Coupe: $3,307 3. Mercedes S600 BI-T: $2,948 4. Audi R8 4.2 Quattro Coupe: $2,903 5. Porsche Panamera Turbo: $2,738 6. BMW 750i Hybrid: $2,701 7. Porsche 911 Turbo Convertible: $2,674 8. Porsche 911 Turbo S Convertible: $2,674 9. Mercedes CL65 AMG Coupe: $2,669 10. BMW 750Li Hybrid: $2,641 11. Mercedes SL63 AMG Convertible: $2,615 12. Mercedes CL63 AMG Coupe: $2,613 13. Jaguar XKR Supercharged Convertible: $2,585 14. Mercedes S63 AMG: $2,542 15. Mercedes C63 AMG Coupe: $2,532 16. Audi A8 L Quattro: $2,513 17. Mercedes SL550 Convertible: $2,458 18. Nissan GT-R Coupe Turbo: $2,457 19. BMW 750XI: $2,446 20. BMW 750i: $2,430 The least expensive 2012 vehicles to insure per year, according to Insure.com, are: 1. Toyota Sienna LE: $1,111 2. Toyota Sienna 4 cyl: $1,114 3. Jeep Patriot Sport: $1,116 4. Jeep Compass Sport: $1,118 5. GMC Sierra K1500 Regular Cab: $1,121 6. Chevrolet Silverado 1500 Regular Cab: $1,125 7. Dodge Grand Caravan SXT: $1,129 8. Ford Escape XLS: $1,137 9. Toyota Sienna 6 cyl: $1,139 10. Chevrolet Silverado 1500 Extended Cab: $1,143 11. Dodge Journey SXT: $1,143 12. Honda Odyssey LX: $1,146 13. Kia Sportage: $1,151 14. Hyundai Santa Fe GLS: $1,152 15. Jeep Wrangler Unlimited Sport: $1,154 16. Nissan Frontier S King Cab: $1,162 17. Nissan Frontier SV King Cab: $1,163 18. Hyundai Tucson GL: $1,166 19. Ford Escape XLT: $1,167 20. GMC Canyon: $1,167 Source: Insure.com
  • 2012 Toyota Sienna Le Passengers Side
  • 2012 Audi R8 Drivers Side Three Quarters1
  • 2011 Jeep Patriot Passenger Side Three Quarters
  • 2011 Jeep Compass Driver Side Front Three Quarters1
  • Jaguar Xkr S Convertible Drivers Side Three Quarters 21
  • 2012 Dodge Journey Driver Side Three Quarters
 
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