The more a car is worth and the more likely it is to get into an accident or be stolen, the more expensive it is to insure. The rates also have plenty to do with the driver’s age and driving history.
Ride Lust ranked five of the most and least expensive cars to insure. The vehicles that made the “most expensive” list are the Scion tC, Mitsubishi Lancer, Hyundai Tiburon, Subaru Impreza WRX 4 wheel drive (4WD) and the Cadillac Escalade EXT 4WD.
If you drive a car, how much do you pay for insurance, and what’s the highest premium you’ve ever paid?
5 of the Most and Least Expensive Cars to Insure [RideLust via Mixx]
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People spouting price/car really mean nothing.
I have 30/100/30 with comp and collision, uninsured/underinsured on an 09 Corolla and it costs me about 1450 a year. I live in Irvine and commonly pass $40,000 vehicles on the way to work. It’s not uncommon to see a Bentley. My insurance is much higher because of the wealth of the city. When I lived in Milwaukee, WI, my car cost under $900 a year to insure with pre-pay discounts and such. Depressing.
The Scion tC? Really? I pay $418.50 every 6 months for full coverage, and that was much less that I was expecting, even for a 27-year old male with a flawless driving record.
My first car, an 83′ 280ZX, was a little over $8K a year to insure via AAA… After my first ticket.
That didn’t last very long.
Uggg……
I pay 200 per month… so thats umm.. $2400/year.. 2009 AMG C63.. Not exactly a kids car, it has 4 doors, its a sedan… My driving records not horrible, but its not spotless, I am married… I’m getting screwed.
Your premiums are probably higher than average because you’re driving a $60,000 luxury car.
really? they said a ford focus was a safe car that’s less to insure?
i used to drive a little bitty mazda protege and a guy in a focus rear ended me at a stoplight. [i was stopped, he was going 35 and didn't apply the brakes]
my protege got a dent.
to be fair, he did walk away from the accident. but he had to, his car was totalled. the focus pretty much collapsed. front axle broke, airbag blew out his windshield, the hood crumpled completely. my tailpipe punched a perfect hold through his vanity plate and front bumper.
and apparently it’s not THAT cheap to insure since he didn’t have any insurance.
Cars are designed to crumple in the front to absorb impact. Most cars will crumple in the front.
Just bought insurance, so it’s fresh in my mind. I now pay $510/6mo for a 2003 Saab 9-5 and a 2010 Mazda 5 for me and my wife. Comprehensive/collision, roadside assist, low deductibles, high coverages. Apparently, being married really reduces your premiums…
I don’t see this as being accurate AT ALL. I am pretty sure NONE of those cars are the most expensive to insure, they are all sedans. Both the WRX and the Lancer are ranked as family sedans…not exactly the most expensive of car categories. None of those are luxary cars either, you know what the most expensive cars to insure are: super cars. If you tell me it costs more to insure a WRX then a Veron I will tell you that you are full of shit, delusional or both.
Beyond having incorrect cars, or at least categories that weren’t well enough defined. The blog is poorly written and just blasts stereotypes instead of giving legitimate reasons.
The entire basis of this article is: If you drive this car you must be a crappy driver, if you drive this car you must be a good driver.
This is one of the worst linked articles I have read in the last year on consumerist.
Also it would make ZERO sense for the Subaru STI to cost less to insure then the WRX, or for the Evo to be less then the lancer.
oh, and drive a 95 subaru legacy wagon, I way 80 a month for comprehensive, but I think that just went down considerably as I just moved into a new age bracket. I have an immaculate driving record with several discounts applied.
boo for being a early twenties unmarried male.
26 year old, unmarried male with a spotless driving record in Texas paying $750/6 months for full coverage on a Mazda3 hatchback. The really annoying thing is how little my rates went down when I turned 25 since so many of the discounts I was getting (good student, driver’s education, etc.) can’t be claimed by 25+ year olds.
We pay about $1200 a year to insure a 2003 Mazda Protege and a 2009 Toyota Camry with full coverage and towing/road assistance.
We have Erie and I can’t praise them enough. I wrecked my car on sunday, called my agent on Monday morning got a call from Erie later that morning to schedule the adjuster visit. The adjuster came the next day and the check 1 day after that. Wow. I love them. Go with a good company that will give you good service when you need them, not one that is the lowest in price. Our premium is $330 every 4 month for 3 cars and 2 drivers.
I’ll start this comment by saying that I am not an insurance agent. That said, if you just insure yourself at the state minimum coverage amounts you could find yourself very underinsured in the event of even a moderately severe accident. Some states have ridiculously low liability requirements, for example: $5,000 in damage to another vehicle or other property. You don’t have to cause a bad accident to rack up well over $5K in damage.
Your liability doesn’t stop at the end of your insurance coverage. If you cause more damage than you’re insured for you could be sued for the difference. Ergo, if you have any assets worth protecting it’s worth discussing how much coverage you need with an insurance agent. They should be able to tell you how much coverage you need to protect yourself from personal liability in various accident scenarios.
I used to pay 39 dollars a month for a 1994 Geo Prizm 5 speed with no collision/comprehensive.
I now pay about 90-92 a month for a 2006 Civic LX 5 speed, with decent coverage (not minimum) and Collision/Comprehensive.
It seems to be a bit high in my opinion. I’ve been driving about 11 years, no tickets, no points, no accidents.
Insurance of any kind is just frustrating. It seems that those of us that respect our bodies, health, vehicles and fellow man don’t get discounted enough for it.
We’re just averaging it out for all those other assholes totaling their cars every 2 years and eating fast food for 3 square meals.
2006 WRX here. $250/6 months. I’m sure a boring car would be cheaper to insure but it’s not that bad. I like my Suby. My wife’s ’06 Civic is more expensive to insure.
Other than the Escalade (which just gets stolen a lot), these cars are often driven by people who engage in on-road jackassery. Not too surprising.
I pay about $575/6months (full coverage) for a 2006 Pontiac G6 GT Coupe. I’m a 26 year old male with a clean driving record. I’m sure the fact it’s a coupe and living around Seattle isn’t helping things too much, but the few times I or other family members had issues our agency went through hell and back to make sure we were well taken care of (something I can’t claim with previous agencies).
I could probably save a few bucks going elsewhere or reducing my coverage, but I’m very happy the service and support we’ve received.
$60/month for an ’07 Nissan Versa hatchback. Full coverage, two guys on the policy. We were paying twice that with Geico.
I got my first car 2 years ago, and paid ~$2200 for my first year’s insurance. Then I passed some magical boundary between having a license 3-6 years vs. 6+ years, and now I pay ~$900/yr for higher coverage limits with a lower deductable.
I pay about $50/mo. for full coverage on a 1999 Silverado 4WD. My liability coverage is double the state minimum also. Perfect driving record and multiple policies help with the rate discounts. Been with State Farm for over 15 years.
I sell insurance in the majority of states. I took a New Jersey quote and changed a 06 Sonata to a 06 TC. $20 increase. Then the TC to a 06 Tiburon, $10 increase. Going from the Tiburon to a 06 Escalade EXT, another $10. All over 6 months. No big deal.
Too many people here bragging about how cheap their insurance is. In some states, miniumum coverage is 15/30 and 5k for property damage. Prepare for some out of pocket expenses if you get in an at-fault accident with that kind of coverage. I get it all the time… “I never get in accidents so I don’t need that coverage”. Yeah, good luck. 15% could save you 15000 down the road.
And it varies so much from zip code to zip code.
In Missouri, liability minimum is 50/100/50, but I got double coverage at 100/300/100. You are right, it is best to be prepared for the worst. I still pay less than most people on here. I think it mainly depends on which part of the country you live. The heartland seems to have the cheapest.
I pay $200 every 6 months for full coverage on my 2005 Kia Spectra through Geico and my boyfriend’s ’95 BMW is on my plan for $70 every 6 months for basic coverage.
My Gallardo is very expensive to insure. Why is that not on the list?
*sigh*
2008 Cobalt Sport, I pay $250 per month to insure it.
Female, 26.
The cost: about $1200 CAD per year
The Car: 1997 Nissan Quest minivan (not stylish, but it runs and is comfortable)
The driver: 21 years old, male, had a license for 5 years (hence a 25% rate discount)
The area: Victoria, BC, Canada
The coverage: insured for business use, $2 million 3rd party liability, collision & comprehensive (theft, windshield damage) coverage
No traffic infractions, one minor at-fault fender bender (no claim was paid out).
Hubby and I both have lower cost Chevy’s and we pay about 900 total a year for the two with full insurance including replacement cost etc. I live in an area of fairly high crime in the county altho my suburb is pretty safe. Deductible of 1000 and onstar equipped (on hubby’s only)which saved us about 40 percent. Michigan bases your price on your credit score (ours is top rate). What screws you here is no fault. Oddly my car is 3 years older than his but mine is higher insurance. No tickets, no claims. I don’t complain too much. But I may drop mine down because I have only driven 1000 miles or so in 18 months. My mileage isn’t track-able for lower rate but hubby’s is. It’s the no fault that will kick up the premium and you cannot opt out.
I’m pay about $90/month for full coverage…works out to be about $505 every 6 months. 2002 Ford Explorer Sport Trac. Getting accident free discounts now…haven’t had an accident since 2004 or a speeding ticket since like 2001 (knock on wood). Had a rough history in high school/college with accidents and speeding tickets.
’07 Mazda MX-5. Cost is ~$75/mo (~$450/6mo) for full coverage.
I’m 24 with a flawless record and a ton of discounts (State Farm’s safe driving course gives me the age 25 premium drop early, home + auto are insured together, etc.).
The car itself helps quite a bit too, I suspect. The ‘girly car’ image flies it in well under the Fast and Furious crowd’s radar. That leaves it to the more sane, the older, and the enthusiast crowds who tend to know that racing is best kept to the track/autocross (as it tends to kick a bit of @$$ there and not so much in the world of stop light drag race pissing matches).
Forgot to mention…
– Daily driven in the Kansas City area. (not sure how we compare with other cities for rates)
– ~15k miles/year
– $250 comprehensive / $500 collision deductible
– Garaged at both home and work.
I have a few vehicles to my name.
All of them are through the same insurance company as my family has dealt with them for years and our local agent gives us the best deals he has. I also get a multi car discount. I turned 26 this year, so my rates went down(finally!).
All but 1 are liability.
84 GMC 1500 – $100/year
93 Chevy Caprice – $350/year
94 Chevy Caprice – $550/year(full coverage)
96 S10 – $180/year
Yea, it’s a lot of money, but they’re all low mileage due to the low level of use and I enjoy having backup vehicles & working on them. It’s a hobby, and I expect to spend some cash on it. It’s factored into my budget.
No matter the weather or distance I have a vehicle to drive. That’s nice.
A 4WD WRX would probably be pretty expensive to insure, considering it would be unique. There IS a difference between 4WD and AWD, which must be what they mean.
A 4WD WRX would probably be pretty expensive to insure, considering it would be unique. There IS a difference between 4WD and AWD, which must be what they mean.
We pay $522 for 6 months on an 00 Cavalier Z24 with liability/personal injury and a 02 Chevy Venture LS both drivers over 25 and married. One at fault accident on both but no claims, 1 speeding ticket on me and 1 following too close on the wife. If I could shop I would but the tickets and accidents aren’t old enough. And these bastards raised my homeowners this year and we have no claims and have only been in the house for a year now.
We pay $522 for 6 months on an 00 Cavalier Z24 with liability/personal injury and a 02 Chevy Venture LS with full coverage and high deductibles, both drivers over 25 and married. One at fault accident on both but no claims, 1 speeding ticket on me and 1 following too close on the wife. If I could shop I would but the tickets and accidents aren’t old enough. And these bastards raised my homeowners this year and we have no claims and have only been in the house for a year now.
I own both a Subaru Imprezza STi and a Escalade and my wife and I pay around 2800 a year to fully cover both. Not sure if they is concidered cheap or what. It just actually lowered with us moving 30 miles east. Thanks Allstate.