Auto Club Automotive Research Center Report: Most and Least Expensive Vehicles to Insure



 
The least expensive insurance premiums* for passenger cars with a Manufacturer Suggested Retail Price under $50,000 are:
 
Rank

Model

MSRP           

Premium*

1Toyota Scion xD$14,000$1263
2Chrysler PT Cruiser$14,940-$18,930

$1265-$1350

3 Subaru Legacy Outback 2.5 Base$22,995$1309
3 (tie)Chevrolet HHR$16,215-$17,555

$1309-$1350

5Toyota Corolla$15,205$1335
6Mazda 3i$14,795$1338
7Dodge Magnum V6$23,420

$1346

8Kia Rio$10,770$1348
9Toyota Scion xB        $16,600

$1350

10Pontiac Vibe$16,760$1357
 
The most expensive insurance premiums* for passenger cars with an MSRP under $50,000 are:
Rank

Model

MSRPPremium*
1Chevrolet Corvette$44,170$2343
2BMW 535i, 528xi, 528i$44,300-$49,400$2216-$2305
3Ford Mustang GT conv, GT, base conv$24,075-$30,520$2045-$2246
4Volkswagen EOS VR6, LUX, Turbo$29,990-$37,900$2060-$2208
5BMW Z4 3.0si, 3.0i   $37,675-$43,675$2060-$2177
6Audi A4 Cabriolet 3.2QTS & 2.0T QTS$43,850-$49,900

$2038-$2126

7Porsche Boxster$48,810$2111
8BMW 328i, 335xi$44,475-$42,075$2039-$2068
9Audi TT Quattro 3.2  $45,900$2061
10Acura RL Technology$49,900$2020

The least expensive insurance premiums* for minivans are:
RankModelMSRPPremium

1

Dodge Caravan    $19,055      $1,220

2

Toyota Sienna CE/LE    $24,155      $1,232

3

 Chrysler Town and Country    $21,695      $1,337
 
The most expensive insurance premiums* for minivans are:
RankModelMSRPPremium

1

Honda Odyssey$28,695-$36,895$1,488-$1,602

2

Hyundai Entourage Limited

$28,795

$1,488

3

Kia Sedona LX/EX

$23,595

$1,488

 

The least expensive insurance premiums* for trucks are:

Rank

Model

MSRPPremium
1GMC Canyon SLE/SL $14,610-$20,105 

 $1,235-$1,350 

2Ford Ranger $15,130-$15,265              $1,307
3Chevy Silverado C1500

 $17,560

             $1,331
4Chevy Silverado C2500-HD $23,980-$26,980              $1,336
5Chevy Colorado LS $15,650              $1,350
 

The most expensive insurance premiums* for trucks are:

Rank

Model

MSRPPremium
1Chevy Avalanche LTZ, LS, LT $32,810-$43,085  $1,812-$1,970 
2GMC Sierra K1500 Denali, SLT, Denali $34,750-$41,300  $1,783-$1,907 
3Toyota Tundra Limited Crewmax $38,790-$41,850  $1,786-$1,844 
4Chevy Silverado C1500 LTZ, K1500 $32,110-$38,245  $1,783-$1,877 
5Cadillac Escalade EXT 4X4              $54,495  $1,770
 

The least expensive insurance premiums* for sport-utility vehicles (SUVs) are:

Rank

Model

MSRPPremium
1Jeep Compass Sport $15,425-$17,025  $1,234-$1,272 
1 (tie)Jeep Patriot Sport $15,475-$17,225  $1,234-$1,272 
3Ford Escape XLS, XLT, Limited $19,580-$23,630  $1,238-$1,333 
4Honda Element LX $19,700  $1,338
5Dodge Nitro SXT $19,925  $1,338
 

The most expensive insurance premiums* for SUVs are:

Rank

Model

MSRPPremium
1Range Rover Westminster/SC $89,285-$92,035  $2,333-$2,388 
2Porsche Cayenne Turbo

 $93,700

 $2,278

3

Mercedes-Benz ML 63AMG

 $86,650

 $2,232

4

Hummer H2

 $57,255

 $2,204

5

Toyota Land Cruiser

 $56,215

 $2,190


*Insurance premiums were calculated using the following driver characteristics:
  • Single male with 24 years of driving experience (approx. 40 years old)
  • Clean driving record – Good Driver Discount
  • Drives 15,000 miles annually
  • Lives in Huntington Beach


Premiums include the following coverage:

  • Bodily injury -- $100,000 per person/$300,000 per occurrence
  • Property damage -- $50,000
  • Medical -- $2,000
  • Collision -- $500 deductible
  • Comprehensive -- $500 deductible
  • Uninsured Motorist -- $30,000 property damage/$60,000 medical
  • Uninsured Damage Waiver