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Best and Worst Cars to Insure

March 6, 2014

When buying a new car, sometimes buyers forget that there's more to the cost of a car than just what you see on the sticker. Once that car is yours, you now have to pay to insure it in case of accidents, theft and other potential issues.

Insure.com recently released their annual list of the costliest and cheapest cars to insure. They came up with their list by calculating the average auto insurance rates for 2014 models by using data from six large insurance carriers in 10 zip codes per state. More than 850 vehicles were included in this year's study.

When it comes to the least expensive, Jeep ranked the highest and also took an additional six more spots on the top 20. As for the most expensive, that honor went to the Nissan GT-R Track Edition.

Below is a look at the 20 most and least expensive to insure cars. The average rates listed are for a 40-year-old single male driver with a good record. Also below is a look at the most and least expensive states for car insurance.

If you're considering any of these cars, remember to use TrueCar to find local dealers who are most willing to negotiate on these vehicles.

Least Expensive to Insure

RankVehicleAvg. Annual Premium
1Jeep Wrangler Sport$1,080
2Honda Odyssey LX$1,103
3Jeep Patriot Sport$1,104
4Honda CR-V LX$1,115
5Jeep Compass Sport$1,140
6Chrysler Town & Country Touring$1,140
7Subaru Outback 2.5i$1,144
8Dodge Journey SE$1,149
9Honda Odyssey EX$1,149
10Dodge Grand Caravan SE$1,158
11Jeep Patriot Latitude$1,161
12Ford Escape S$1,170
13Jeep Grand Cherokee Laredo$1,171
14Jeep Wrangler Sahara$1,172
15GMC Acadia SLE-2$1,185
16Chevrolet Traverse LS$1,188
17Toyota Sienna L$1,190
18Hyundai Santa Fe Sport$1,194
19Accord Sport$1,209
20Jeep Wrangler Rubicon$1,209

Most Expensive to Insure

RankVehicleAvg. Annual Premium
1Nissan GT-R Track Edition$3,169
2BMW M6$3,065
3Mercedes-Benz CL550 4Matic AWD$3,019
4Mercedes-Benz SLS AMG GT$2,986
5Porsche Panamera Turbo S$2,970
6Audi R8 5.2 Spyder Quattro$2,917
7Mercedes-Benz G63 AMG$2,887
8Audi A8 L 6.3 Quattro$2,869
9Jaguar XKR Supercharged$2,854
10Jaguar XK$2,610
11Mercedes-Benz GL63 AMG$2,609
12Porsche Panamera 4S$2,598
13Audi S8 Quattro$2,598
14Porsche Panamera S$2,597
15Mercedes-Benz CLS550 4Matic AWD$2,582
16BWM 650i$2,544
17Mercedes-Benz C63 AMG$2,507
18BMW 640ix$2,484
19Audi R8 V10 Quanttro$2,448
20Mercedes-Benz GL550 4Matic AWD$2,438

Least Expensive State

RankState
1Ohio
2Maine
3New Hampshire
4Idaho
5Iowa

Most Expensive State

RankState
1Michigan
2West Virginia
3Georgia
4Washington, DC
5Rhode Island

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My Recommendation for Car Shoppers


TrueCar and Edmunds are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you - and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.
- Gregg Fidan

Gregg Fidan

About: Gregg Fidan


Gregg Fidan + is the founder of RealCarTips. After being ripped off on his first car purchase, he devoted several years to figuring out the best ways to avoid scams and negotiate the best car deals. He has written hundreds of articles on the subject of car buying and taught thousands of car shoppers how to get the best deals.

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