The Most & Least Expensive Cars to Insure

Crash and Pay

The real cost of a car isn’t just what you pay on the lot. If you’re looking to buy a new car, you should do your due diligence and learn what your potential purchases will cost to insure. While personal profiles and driving records will help shape your individual policy quotes, “what determines the insurance rate is the claims history of the vehicle,” says Amy Danise, senior managing editor of That means convertibles, which Danise says “were made to crash” thanks to their high-powered engines, are well represented among the most expensive, while family cars like station wagons or sedans with low horsepower make up a bulk of the cheapest cars to insure since very few drivers are taking them to drag races. There’s also a correlation between cars that cost a lot to buy and cars that cost a lot to insure, since repairs on expensive vehicles also carry a higher price tag, even if they don’t break down often. Which 2012 models specifically present the best (and worst) insurance deals? Read on to find out.   Photo Credit: