Insure.com Releases List of Least, Most Expensive Cars to Insure

What’s fairly slow, has four cylinders and seven seats, and will save you big with your insurance company? It’s the Toyota Sienna LE, which scored a top spot as the least expensive car to insure, according to a report by Insure.com.

Insure.com 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.

Source: Insure.com

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

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
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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