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

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

Most Expensive to Insure

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

Least Expensive State

Rank	State
1	Ohio
2	Maine
3	New Hampshire
4	Idaho
5	Iowa

Most Expensive State

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

My Recommendation for Car Shoppers

TrueCar No-Haggle, CarsDirect, and Ryde Shopper 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

Each week, I'll keep you up-to-date on the latest car deals and news that might affect your purchase. This includes...

Best Rebates, Incentives, and Lease Deals
Latest Car Buying Scams and Tricks
The Best & Worst Time to Buy a Car
Which Cars You Should Avoid

About The Author

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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