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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*? |
| 1 |
Toyota Scion xD |
$14,000 |
$1263 |
| 2 |
Chrysler 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 |
| 5 |
Toyota Corolla |
$15,205 |
$1335 |
| 6 |
Mazda 3i |
$14,795 |
$1338 |
| 7 |
Dodge Magnum V6 |
$23,420 |
$1346 |
| 8 |
Kia Rio |
$10,770 |
$1348 |
| 9 |
Toyota Scion xB |
$16,600 |
$1350 |
| 10 |
Pontiac Vibe |
$16,760 |
$1357 |
The most expensive insurance premiums*? for passenger cars with an MSRP under $50,000 are:
| Rank |
Model |
MSRP |
Premium*? |
| 1 |
Chevrolet Corvette |
$44,170 |
$2343 |
| 2 |
BMW 535i, 528xi, 528i |
$44,300-$49,400 |
$2216-$2305 |
| 3 |
Ford Mustang GT conv, GT, base conv |
$24,075-$30,520 |
$2045-$2246 |
| 4 |
Volkswagen EOS VR6, LUX, Turbo |
$29,990-$37,900 |
$2060-$2208 |
| 5 |
BMW Z4 3.0si, 3.0i |
$37,675-$43,675 |
$2060-$2177 |
| 6 |
Audi A4 Cabriolet 3.2QTS & 2.0T QTS |
$43,850-$49,900 |
$2038-$2126 |
| 7 |
Porsche Boxster |
$48,810 |
$2111 |
| 8 |
BMW 328i, 335xi |
$44,475-$42,075 |
$2039-$2068 |
| 9 |
Audi TT Quattro 3.2 |
$45,900 |
$2061 |
| 10 |
Acura RL Technology |
$49,900 |
$2020 |
The least expensive insurance premiums*? for minivans are:
| Rank |
|
Model |
MSRP |
Premium |
|
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:
| Rank |
|
Model |
MSRP |
Premium |
|
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 |
MSRP |
Premium |
| 1 |
GMC Canyon SLE/SL |
$14,610-$20,105 |
$1,235-$1,350 |
| 2 |
Ford Ranger |
$15,130-$15,265 |
$1,307 |
| 3 |
Chevy Silverado C1500 |
$17,560 |
$1,331 |
| 4 |
Chevy Silverado C2500-HD |
$23,980-$26,980 |
$1,336 |
| 5 |
Chevy Colorado LS |
$15,650 |
$1,350 |
The most expensive insurance premiums*? for trucks are:
| Rank |
Model |
MSRP |
Premium |
| 1 |
Chevy Avalanche LTZ, LS, LT |
$32,810-$43,085 |
$1,812-$1,970 |
| 2 |
GMC Sierra K1500 Denali, SLT, Denali |
$34,750-$41,300 |
$1,783-$1,907 |
| 3 |
Toyota Tundra Limited Crewmax |
$38,790-$41,850 |
$1,786-$1,844 |
| 4 |
Chevy Silverado C1500 LTZ, K1500 |
$32,110-$38,245 |
$1,783-$1,877 |
| 5 |
Cadillac Escalade EXT 4X4 |
$54,495 |
$1,770 |
The least expensive insurance premiums*? for sport-utility vehicles (SUVs) are:
| Rank |
Model |
MSRP |
Premium |
| 1 |
Jeep Compass Sport |
$15,425-$17,025 |
$1,234-$1,272 |
| 1 (tie) |
Jeep Patriot Sport |
$15,475-$17,225 |
$1,234-$1,272 |
| 3 |
Ford Escape XLS, XLT, Limited |
$19,580-$23,630 |
$1,238-$1,333 |
| 4 |
Honda Element LX |
$19,700 |
$1,338 |
| 5 |
Dodge Nitro SXT |
$19,925 |
$1,338 |
The most expensive insurance premiums*? for SUVs are:
| Rank |
Model |
MSRP |
Premium |
| 1 |
Range Rover Westminster/SC |
$89,285-$92,035 |
$2,333-$2,388 |
| 2 |
Porsche 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
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