The Most Expensive Cars to Insure

The Most and Least Expensive 2011 Vehicles to Insure

A new car is one of the biggest purchases you make, even before you consider how much the insurance is going to cost. Generally speaking, the more expensive the car, the more likely it is to come with a hefty insurance bill. Insurance rates for a vehicle, irrespective of the driver, are determined primarily by how much agencies have paid out for repairs on that model in the past. “Rates could be high because there are lots of claims on the car or because the few claims that do exist are high since the parts are so expensive,” Amy Danise, senior managing editor of Insure.com, told MainStreet. This is why luxury cars like Mercedes and BMW models, cost more to insure. Driver behavior also contributes to the cost of insuring, say, a convertible. “People are buying these cars to go fast and that’s why they’re crashing them,” Danise explains. Conversely, family cars like station wagons or sedans with low horsepower generate lower insurance rates since they’re used more often to commute than to drag race. Which 2011 models specifically present the best (and worst) insurance deals? Read on to find out. Photo Credit:Nissan.com


Methodology

Insure.com commissioned Quadrant Information Services, which monitors insurance rates, to calculate the average premiums for a single 40-year-old male driver who commutes 12 miles to work each day. This theoretical driver has a clean driving record and good credit. All policies considered had limits of $100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident. They also had a $500 deductible on collision and comprehensive coverage. Quadrant Information Services used car insurance rates from six large carriers (State Farm, Allstate, Progressive, GEICO, Farmers and Nationwide) in 10 ZIP codes per state. Not all models are available for calculating average rates, especially some exotic cars, which is why you won't see Lamborghinis on the list, though, according to Insure.com, you can assume those carry hefty insurance bills. Note also that a person’s rate may vary depending on their actual driving record. Photo Credit: Ford


10th Least Expensive: Toyota Highlander

Average National Annual Premium:  $1,154 Style: Four-door hybrid , two-wheel drive utility Cylinders: 4 Photo Credit: Toyota.com


9th Least Expensive:  Ford Escape XLS

Average National Annual Premium:  $1,150 Style: Four-wheel drive, four-door SUV Cylinders: 4 Photo Credit: Ford.com


8th Least Expensive: Toyota Sienna 6-cylinder

Average National Annual Premium:  $1,143 Style: Five-door wagon Cylinders: 6 Photo Credit: Toyota.com


7th Least Expensive: Honda Odysessy EX

Average National Annual Premium:  $1,138 Style: Five-door hybrid, two-wheel drive, single overhead camshaft Cylinders: 6 Photo Credit: Honda.com


6th Least Expensive: Wrangler Unlimited Sport

Average National Annual Premium:  $1,131 Style: Two-wheel drive, four-door utility Cylinders: 6 Photo Credit: Jeep.com


5th Least Expensive: Nissan Murano SL

Average National Annual Premium:  $1,128 Style: Two-wheel drive, four-door utility Cylinders: 6 Photo Credit: Nissan.com


4th Least Expensive: Honda Odyssey LX

Average National Annual Premium:  $1,115 Style: Five-door hybrid, two-wheel drive, single overhead Camshaft engine Cylinders: 6 Photo Credit: Honda.com


3rd Least Expensive: Toyota Sienna LE

Average National Annual Premium:  $1,108 Style: Five-door wagon Cylinders: 4 Photo Credit: Toyota.com


2nd Least Expensive: Sienna 4 Cylinder

Average National Annual Premium:  $1,101 Style:  Five-door wagon Cylinders: 4 Photo Credit: Toyota.com


Least Expensive Car to Insure: Chrysler Town and Country

Average National Annual Premium:  $1,092 Style: Four-door wagon Cylinders: 6 Photo Credit: Chrysler.com


10th Most Expensive:  Mercedes G55 AMG

Style: Four-wheel drive, four-door utility Cylinders: 8 Photo Credit: Damors


9th Most Expensive:  Aston Martin DB9 Volante

Average National Annual Premium:  $3,089 Style: Two-door convertible Cylinders: 12 Photo Credit: AstonMartin.com


8th Most Expensive: Porshe 911 Carrera S

Average National Annual Premium:  $3,092 Style: Two-door Cabriolet Cylinders: 6 Photo Credit: Porsche.com


7th Most Expensive:  Mercedes CL600

Average National Annual Premium:  $3,114 Style: Two-door coupe Cylinders: 12 Photo Credit: IFCAR


6th Most Expensive: Aston Martin DB9

Average National Annual Premium:  $3,120 Style: Two-door coupe Cylinders: 12 Photo Credit: AstonMartin.com


5th Most Expensive: Mercedes S65 AMG

Average National Annual Premium:  $3,221 Style: Four-door sedan turbo Cylinders: 12 Photo Credit: Damors


4th Most Expensive: Mercedes SL63 AMG

Average National Annual Premium:  $3,263 Style: Two-door convertible Cylinders: 8 Photo Credit: Brokensphere


3rd Most Expensive: BMW 750Li

Average National Annual Premium: $3,281 Style: Four-door sedan hybrid Cylinders: 8 Photo Credit: BMWUSA.com


2nd Most Expensive: BMW 750i

Average National Annual Premium:  $3,281 Style: Four-door sedan hybrid Cylinders: 8 Photo Credit: BMWUSA.com


Most Expensive Car to Insure: Mercedes SL65 AMG

Average National Annual Premium:  $3,544 Style: Two-door convertible Cylinders: 12 Photo Credit: Billy andika


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