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GuideCar Insurance

The Best and Worst Cars for Car Insurance

The cost of car insurance can vary dramatically depending on the type of car you purchase.

The difference can be as high as $2,000 per year which isn't chump change by any means.

Although car insurance cost is important, it's not practical to make your car buying decision based solely on this factor.

However, smart car shoppers will keep their options open to at least 2 or 3 different cars and will compare insurance costs as part of their buying decision.

Which Cars Are Best to Insure?

All things being equal, the more expensive the car, the higher the insurance costs. This is plain common sense.

But there are other factors that may not be so obvious.

For example, there are cars that are big targets for thieves. These cars are not necessarily expensive, but they are popular and car thieves know they can sell the parts.

Top 10 most stolen cars in the U.S.

1. Honda Accord
2. Honda Civic
3. Toyota Camry
4. Acura Integra
5. Cadillac Escalade
6. Toyota Corolla
7. Ram pickup
8. Nissan Altima
9. Nissan Maxima
10. Chevrolet Tahoe

Another important factor is the size of the vehicle.

Small cars can be more expensive to insure - even if they cost a lot less.

Passengers in small cars are more likely to be injured in a crash, and studies have shown that small cars tend to get into more accidents (possibly because owners think they can easily maneuver around traffic).

Finally, small cars are more likely to have younger owners - who are responsible for more accidents.

Larger cars tend to protect their occupants better in crashes and will have lower costs for personal injury coverage.

However, the larger a vehicle gets, the more potential damage it can cause to other cars, people and property.

Very large vehicles have much higher liability costs due to this factor.

The sweet spot seems to be with traditional family cars such as large sedans and minivans.

These tend to be driven by older, safer drivers and they provide a good level of protection while not causing extensive damage to other vehicles in crashes.

Least Expensive Cars to Insure
1 Kia Sedona
2 Mazda Mazda5
3 Ford Escape
4 Hyundai Santa Fe
5 Mercury Mariner
6 Chrysler PT Cruiser
7 Ford Explorer
8 Subaru Outback
9 Kia Optima
10 Chevrolet Equinox
11 Ford Ranger
12 Chevrolet Colorado
13 Mercury Milan
14 Buick LaCrosse
15 Ford Taurus
16 Jeep Compass
17 Dodge Grand Caravan
18 Dodge Nitro
19 Toyota Tacoma
20 Chevrolet HHR
21 Toyota Sienna
22 Honda CR-V
23 Honda Element
24 Toyota RAV4
25 Subaru Forester

Most Expensive Cars to Insure
1 Acura ZDX
2 Audi TTS
3 Audi A5
4 Cadillac Escalade
5 Chevrolet Corvette
6 BMW Z4
7 Lexus SC
8 Jaguar XF
9 Cadillac STS
10 Dodge Challenger
11 BMW 128i
12 Ford Mustang
13 Mitsubishi Lancer
14 Dodge Charger
15 Nissan 370Z
16 Nissan Maxima
17 Lexus IS
18 Lexus GS
19 BMW 328i
20 Chevrolet C1500
21 Audi A6
22 Chevrolet Avalanche
23 GMC Yukon
24 Chevrolet Camaro
25 Mitsubishi Eclipse

The best thing to do is get insurance rates for 2 or 3 different models that you're considering. If the insurance rates differ by several hundred dollars per year, you need to make this a big factor in your buying decision, especially if you intend to keep the vehicle for a long time.

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About The Author

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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