Top 10 most and least expensive cars to insure

Here's a post all the domestic-or-nothing crowd should enjoy reading. Of the 10 most expensive cars to insure as listed by Insurelane, only one is American-made, and it's no longer produced. And on the least expensive list, seven are Big Three branded (nine if you count Volvo and Mazda as Fords).It should come as no surprise that the Mitsubishi Lancer Evo and Subaru WRX aren't cheap to protect, while GMC Safari and Pontiac Montana owners can probably pay their premiums with the half-eaten Cheerios found in their back seats.As we all know, lots of factors determine your personal rate (age, driving record, number of cars you've totaled right there in your insurance agent's parking lot, etc.), but imports will generally have higher rates over comparable domestics due mostly to more expensive replacement parts.See the top five on each list after the jump.[Source: Insurelane]
The most expensive cars to insure are:
Mitsubishi Lancer Evolution
Mercedes CL-Class
Dodge SRT-4
Subaru Impreza WRX
Jaguar XK The least expensive to insure are:
Volvo XC90
Chevrolet Malibu Maxx
GMC Safari
Buick LeSabre
Nissan Pathfinder Armada Head over to Insurelane to see the complete lists.
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Reader Comments(Page 1)
1. Guess I will need a well paying job if I ever want to buy and get insurance for a Jaguar XK
Posted at 6:03PM on Feb 18th 2007 by NoNameDenton
2. The WRX is on the list but not the WRX STi/STI? I drive an '04 STi, 26 yrs old, good credit, clean driving record and pay ~$105/month.
Posted at 6:07PM on Feb 18th 2007 by Ty
3. my MKV Jetta (2.5 VE) is shocking cheap to insure, and really fun to drive. Good deal i think!and of course the SRT-4 is expensive to insure; they're driven almost entirely by retards.
Posted at 6:50PM on Feb 18th 2007 by James
4. my old dream car Ford Thunderbird made it on the top 10 least expenive, what did they forget the cars has a V-8
Posted at 6:59PM on Feb 18th 2007 by Big jim
5. Stoneman's cheapest to insure list.Mazda 3Honda Civic (not Si)Toyota CorollaToyota EchoHonda FitChevy CavalierChevy CobaltDodge Viper** 1/39th size car only.Stonemanhttp://www.stonemanautoreview.com
Posted at 7:03PM on Feb 18th 2007 by Stoneman
6. Pontiac Montana came 6th and 9th on the least expensive list? It must be really cheap to insure if they feel it necessary to mention it twice.
Posted at 7:12PM on Feb 18th 2007 by jcuoit
7. How does the calculation work? Is it with a ratio between the car's price and it's insurance premium? Just seems to me like a Ferrari or a Lamborghini would cost a heck of a lot more than a dodge SRT-4.
Posted at 7:25PM on Feb 18th 2007 by JF
8. I thought my base G6 was going to make my insurance go up from my Neon SXT but it got a lot better.Robhttp://www.autoshortlist.com
Posted at 7:31PM on Feb 18th 2007 by tikirob
9. My Bugatti Veyton is costing 3k a month, no joke and I have clean record, I live in NYC though
Posted at 7:31PM on Feb 18th 2007 by HAT3R
10. I'm sure exotics are excluded. I can't remember where, but at one point I spoke with someone who owned an exotic about their insurance. They had a company that insured it for just a few days a month. No specific days, just a few. He was on his honor to not drive it more often.That said, what you see on Autoblog notwithstanding, people don't wrap exotics around telephone poles nearly as often as they do Evos. I suspect that the STI is considred a WRX for the purposes of this list. One that must be close to the top is the S2000. Insurance rates on it scared me away.I suspect the Jag is on there because even minor bumps can be freakishly expensive to insure. The hood extends all the way to the low nose of the car. This is on the old XK. Many people don't like that the hood doesn't do the same on the new XK; instead it stops short, and a urethane fascia goes the rest of the way, with an unseemly seam between them. Now we know why.Don't trust in these insurance cost lists, because in the end every insurer costs cars out differently. My wife has a car that was on a similar list, and it's not cheap to insure with my company.
Posted at 7:37PM on Feb 18th 2007 by Michael Karesh
11. Can anyone in the insurance biz confirm a rumor that the EVO has a 25% loss ratio?
Posted at 7:54PM on Feb 18th 2007 by Damon Lavrinc
12. Shouldn't the SRT-4 ACR be cheaper to insure than the plain jane ultra skinny tire SRT4?
Posted at 8:05PM on Feb 18th 2007 by MikeW
13. #6...I was wondering that same thing. But I also remember that there were long wheelbase and short wheelbase versions. Also, there was an AWD version. That could have something to do with it being on the list twice. Anyways, my Regal is only like $75 a month to insure. And anything import, around here at least, will probably make you homeless within six months.
Posted at 8:42PM on Feb 18th 2007 by That One Person
14. #9 if you own a Bugatti why are you on such a lowly site like AutoBlog, shouldn't you be out buying caviar and telling people what they should think because your rich
Posted at 8:49PM on Feb 18th 2007 by NoNameDenton
15. hmmm, in the most expensive category, most are racer boy cars. why is the jag and the mbz up there? Is there something inherently more expensive to fix wiht those cars? I'm assuming of course that the jag and the mbz probably have similar accident rates as other lux cars like lexus, bmw, other mbzs etc.
Posted at 8:53PM on Feb 18th 2007 by bland moves
16. @hat3rpsht, you only pretend to own a Veyron? well i pretend to own a champ car, I commute with it everyday to my made up job downtown and let me tell you my insurance is 10k a month! (I live in north dakota tho...) wowzers thank god i also pretend to be filthy rich or else there would be no way my made up stories would make sense. ...And to everyone who says I'm a liar, you guys are just haters wishing you were like me.
Posted at 9:09PM on Feb 18th 2007 by Bow tie optional
17. WTF is a Stoneman cheapest to insure list? Who cares and why do you have anything to say about it? I was not aware this was an opnion poll...
Posted at 9:40PM on Feb 18th 2007 by why do I care?
18. #16 the only thing you are aware of is your own ignorant attitude. Get stuffed.Stoneman
Posted at 9:55PM on Feb 18th 2007 by Stoneman
19. the cost of replacement parts is only part of the premium calculation.more important is the frequency that owners of a particular make have accidents. for example, I bought a new Hyundai Accent back in 2000. the monthly premium was roughly twice as much as the Cadillac deVille I had at the same time. apparently, Hyundai Accent drivers were in accidents fairly often; a lot more than deVille drivers were.this says nothing particularly damning about Hyundai drivers: most cheap small cars have fairly costly rates. insurance companies base their rates on "symbols": the deVille was a 6, and the Hyundai, a 23. your driving record can have some bearing on the rates, too. it had just really surprised me, because I haven't had a single violation in over 30 years.