5 Of The Most Expensive Cars To Insure

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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  1. ktetch says:

    I once paid $1700 to be added onto a friends policy for 3 months (he’d had a nervous breakdown and couldn’t drive)

    3 caveats to that.
    1) it was in the UK (liverpool)
    2) it was a 6month old TVR Cerbera speed8 (the 4.5)
    3) I was 18

    • Loias supports harsher punishments against corporations says:

      Still, that’s insane.

      • JustLurking says:

        Lolas, I’m not quite sure you understand what a TVR Cerbera is. Corvettes, Mustangs and Porsches are all tamed and domesticated hampsters compared to a wild tiger that is the TVR. And he was 18. And living in an urban environment in a country where insurance can be prohibitively expensive.

        Too bad about his friend having a nervous breakdown. But, damn, that’s a sweet consolation prize at 18 years old to drive a TVR.

        • ktetch says:

          Yeah, here’s the engine specs
          4.5L model
          Engine type: 4475cc V8 OHV 16v
          Power: 420 hp (313 kW; 426 PS) at 6750 rpm
          Torque: 380 lb·ft (515 N·m) at 4500 rpm
          Redline: 7000 rpm
          0-60 mph: 3.9 seconds
          Top speed: 195 mph (313,7 km/h)

          I should also mention that this, like all TVRs, was handmade (high repair cost). Oh, and Liverpool is, well, ‘renown’ for it’s car crime. Of course, it’s not likely this would be stolen by joyriders, as TVRs have a reputation of being killers. No traction control, and 2 turns lock-lock. I was just the only person the owner knew who drove FR’s all the time, and had experience of high power cars (I had been rallying since I was 12-13)

          I was only an occasional chauffeur though. I also had my own car, which was also a 1-ton FR car. Mine was a volvo 340 alas, and with all my extra tests, pass plus (and I’m not sure if my teenage [legal] racing experience raised or lowered my premium) but it was $800/year.

          • Dukebruno says:

            Almost 25 years ago I would as part of a computer programming team that included a Brit. A car dealership near the office started selling TVRs. David drooled over that car since he had one in his teen years. Several of us egged him into buying it.

            The joke was on us, though, because he’d ask one of us to pick him up at the dealership in the morning when he dropped off the TVR to be fixed — I’d say at least twice a month.

  2. 72Riv says:

    I pay ~$250/6mos (no comp/collision) for my 2002 Honda Civic Si.
    We were shocked when my wife’s new 2011 Hyundai Sonata was insured (with comp/collision) for ~$200/6mos. 8 years newer, 4x the value, more coverage, and 20% cheaper insurance.

    • apd09 says:

      I bet you live in a low population and low crime area. That rate is amazing so there must not be much threat of an accident or theft where you live.

    • mcs328 says:

      You’re male? Add 25%. Guys usually pay more.

    • common_sense84 says:

      Are you getting liability only? 200 bucks for 6 months doesn’t make much sense at all. Unless you have liability only. Then it’s about right.

      • jefeloco says:

        Not necessarily, My wife and I have an ’05 Corolla S with a 5-speed and an ’04 Dodge Dakota 4 door with a short bed, 4×4, and the magnum V8; we pay $438 every six months for full coverage. We have a $250 deductible, towing and $100,000 medical coverage (rather than the industry standard $10,000). Both vehicles are registered and titled to both of us and we’re both listed as regular drivers on the vehicles.

        My wife has no accidents or tickets and I have two motorcycle accidents on my file, even though I wasn’t at fault on either. I love USAA.

    • jnads says:

      I have full coverage ($500 deductible): $320/6 months.

      I drive a 2010 Ford Fusion.

  3. Etoiles says:

    The nice thing about having a 14-year-old Camry, and being a married female driver over 25, is that my insurance is dirt cheap. It’s $17 and change per month but I just pay it all in a lump every 6 months so it’s something like $105 twice a year.

    Someday we’ll have a newer car, and our rates will go up. But this is not that day.

    • Moosehawk says:

      What insurance company do you go through?

      Do you know how much extra it’d cost for comp/collision?

      • Etoiles says:

        Geico (and I’m in metro DC). I don’t remember the quotes anymore offhand, because I got this policy about two years ago. But their online system is pretty quick, for getting quotes.

  4. apd09 says:

    I used to have a 1999 Ford Explorer until June of this year and it was about 650 a year to insure. After being in an accident (not my fault) the truck was totaled and I bought a 2007 Honda Accord, now my insurance is about 800 a year. No at fault accidents, no speeding tickets, no moving violations, or anything like that in the last 10+ years so I get really good premiums on my car, my wife on the other hand she seems to get caught everytime she goes over the speed limit so the insurance for us on her 2009 Jetta is around 1150 a year. I have to say, 160 a month in car insurance for 2 cars is pretty good and I am ok with it.

  5. agent 47 says:

    I own a Mitsubishi Lancer and it’s not that expensive to insure…are you sure you don’t mean Mitsubishi Lancer Evo?

    • Anonymously says:

      That would make sense considering them mention Impreza WRX, not a base Impreza

    • mbz32190 says:

      I was wondering about that too….the base Lancer is a nice-looking car and all (my friend owns an 08), but wasn’t really “expensive”, or a “race car”.

    • GearheadGeek says:

      On that note… at least in Texas, you get a big break on WRX insurance if you have the wagon instead of the sedan. I guess they think the boy-racers who wreck them wouldn’t be caught dead in a wagon.

      • Powerlurker says:

        In most places, when a car is available in 4-door and 2-door models, the 4-door is a good deal less expensive to insure.

  6. diasdiem says:

    Well, for my next six months of coverage I’m paying $418 or about $70 a month for my ’08 Ford Escape. Liability, collision, and personal injury.

  7. Scrutinizer says:

    In 1989 I paid $3500 to insure my CRX with no glass coverage and a high deductible. When I got my first job as an engineer one of my coworkers recommended me to a little know company that required a reference, Amica. This lowered my cost to $2400 with full coverage.

    Two seats equals a sports car.

    • MrEvil says:

      You’d think the inverse would be true, twice as many seats = twice as many occupants that can be injured or killed in an accident.

      • perruptor says:

        And a couple more potential people to yell stuff like “Look out!” “Slow down, you idiot!” and “Wake up!”

  8. jason in boston says:

    I read the article – is there something I’m missing? That is one of the worst blogs I have ever seen. It is like a maxim magazine article. Where did they get their info?

    FWIW, 1999 Wrangler, live 1 town south of boston, $70 / month. Perfect record.

    • Gramin says:

      It’s worse than a Maxim article. The pictures are formatted incorrectly and their editorial comments are awful. No data to support any of their claims. And the comment about stealing the Escalade? Last I checked, it wasn’t anywhere near the top of the list for the most stolen vehicles.

      Additionally, why do I think it would cost more to insure a 911 Turbo, Lamborghini, Ferrari, Bugatti, etc??? Something tells me that insuring a foreign sports car is going to be a little more pricey than any of those vehicles.

      • jason in boston says:

        Do we have to guess who wrote the article?

        • Gramin says:

          Lol. The original blog post is so awful that I even checked their site to see if [name redacted] is also a writer for them! I think he is and just uses an alias.

  9. madmallard says:

    i think the Impreza they mean is the STI version. My regular WRX is right inline with other cars insurance that I’ve purchased…

    • pinecone99 says:

      +1, my WRX is less that my Forester (which is slightly newer). And I average 23 mpg and bought it partially due to the safety features.

    • ganzhimself says:

      Yeah, the WRX isn’t all that much more a month to insure than the other car I have on my policy, but since it has a turbo and a bunch of 18-20 year old brotatos own them and regularly crash them in spectacular fashion, it’s no wonder they cost a little more to insure. $526 every 6 mos to insure an 05 WRX and an 08 HHR.

  10. JRock says:

    It’s the weight-to-horsepower ratio that’s jacking up the insurance rate on my ’09 Mazdaspeed3 to ~$850/year (although I was well aware of this before purchasing the car). Zoom zoom!

  11. fatediesel says:

    I pay about $325 every 6 months for full coverage on my 2004 4-Runner. This includes a discount for having my home owners coverage with the same company.

  12. qbubbles says:

    $126/month for 2 cars, personal property, and my photography equipment.

    USAA FTW!

  13. hosehead says:

    Nearly $5,000 a year to insure a 2000 Acura Integra GS-R just outside of Manhattan in 2001. It was the most stolen model car in that period (the 2000 actually replaced my 1998 that was stolen). I was in a relatively high crime area. I was young. I had 4 non-ticket points (fender-bender, no ticket).

    That car was fantastic. The 8,000RPM redline made for some fun driving. 70mph in 2nd gear was always a hoot. I sold the car before I killed myself in it.

    • The cake is a lie! says:

      I miss my Integra. I had a 99 GSR sedan and it was my favorite car. I’m driving an ’05 Corolla XRS right now. It has the exact same performance stats as the GSR, so it is still fun. No VTEC to really get my smile on, but it does have something similar when it gets waaaay up there. Kind of a VTEC-esque boost on an on-ramp or really aggressive passing maneuvers. ;) Add the fact that the insurance on it is less than on a Civic EX and it is quite the sleeper since it looks just like every other Corolla on the road, and it might be something you want to look into to get the GSR feeling again.

      • hansolo247 says:

        I had a 99 GSR too. I now have a 02 Honda S2000. Insurance is cheap enough…about 600/6months, with 300/500 liability and full collision, comprehensive, towing, and rental.

        My GSR when new was around 900/6months. It was very high-theft.

  14. t325 says:

    I believe it. I used to have a Hyundai Tiburon, that thing was expensive to insure. I later traded it in for a Volkswagen GTI, which is more expensive, more powerful, more of a sports car, more everything than the Tiburon, and yet my insurance went down a considerable amount when I got the GTI.

    • Battlehork says:

      They probably count the GTI as a higher-trim Golf.

    • hosehead says:

      Rates are determined by multiple factors. One of the most important is costs for repairs on average accidents. I remember certain Hyundai models having very high cost to repair for minor accidents. The car might be cheaper than the VW, but if it is not totaled, the Hyundai might actually cost more to repair.

      • adrienna says:

        Also Hyundai parts are surprisingly expensive — a lot of them are the same parts used in higher-end cars.

  15. hosehead says:

    Nearly $5,000 a year to insure a 2000 Acura Integra GS-R just outside of Manhattan in 2001. It was the most stolen model car in that period (the 2000 actually replaced my 1998 that was stolen). I was in a relatively high crime area. I was young. I had 4 non-ticket points (fender-bender, no ticket).

    That car was fantastic. The 8,000RPM redline made for some fun driving. 70mph in 2nd gear was always a hoot. I sold the car before I killed myself in it.

  16. Blueskylaw says:

    I pay ~ 270 for 6 months on my 2002 CL 500 Benz with no comprehensive or collision, which surprisingly is cheaper than my 1990 300 SE was to insure.

  17. selkie says:

    About $130/month for an ’06 Subaru Outback and an ’03 VW Passat. (suburban Florida) When we traded an ’04 Corolla for the Outback, our insurance went down by $20/month.

    And we bought the Subie for the cargo space- with the back seat folded down, you can fit more in there than you can fit in a lot of SUVs.

  18. Brian Berman says:

    I have a 2009 Audi A4 at $60/month and a 2003 Audi A4 at $50/month in Massachusetts.

  19. milkcake says:

    $350/ 6 months. NYC (Queens). 2007 BMW 328xi. No comp/collision. Geico. Am I paying too much? You guys pay so little. Oh, by the way, don’t say my insurance is high because it’s BMW, because right before this one, I had 1997 Nissan Maxima and that cost me $400/6month to insure from Geico, and that was 3 months ago. So if anything the insurance became lower.

    • Tongsy says:

      I pay more than that for my 1998 ford escort, so quit complaining.

    • ChunkyBarf says:

      haha, I pay well over $100 every month for car insurance on an 8-year old car. I have a flawless driving record and my car cost $14K new (and is probably worth close to $5K if that) and it completely paid off. I go through the cheapest insurance company the DOI lists for my state.
      Here is why it is still expensive.
      I am male.
      I am not married.
      Seriously, some forms of discrimination are perfectly legal. Grumble.

    • martyrd0m says:

      Its all about where you live, your driving history, and credit score. When I had Geico I was paying just about 240 a month for my SRT-4 when I was living. I moved 4 miles away and when I completed my change of address with them I noticed my monthly payments dropped to 190 a month. Didn’t change anything with my policy other then address.

  20. PSUSkier says:

    I’m right around $330/6mo for a blown Mustang GT. I assumed it’d be higher when I purchased it, so I’m quite happy. Granted though my driving record is at this point immaculate.

  21. mbz32190 says:

    I drive an old, old (1998) Nissan 200sx, and pay about $150 a month for it (which is understandable as I am in my early 20’s, and have had one at-fault accident when I was 18). But the insurance company classifies it as a sports car, even though the car itself is nothing other than a 2-door Sentra with a spoiler. I’m not going to be racing anyone with my 4 cylinder 1.6 Liter engine.

  22. Applekid ┬──┬ ノ( ゜-゜ノ) says:

    Every time people talk car insurance, I always see numbers flying around that makes me feel like I’m getting ripped off hardcore. Then when I start calling around and getting quotes, I never get quoted even a teaser at close to the rates other people are paying. Been driving for 14 years with one speeding ticket 6 years ago but that’s it and yet I’m still paying $300 / 6 mo. for the legally mandated minimum insurance on my 2002 Mazda Protege.

    ┐(‘~`ï¼›)┌

    • Mamudoon says:

      Same here! I’m a 29-year-old female with a clean driving record, and I pay about $110 a month for the bare-minimum requirements on a 2001 Grand Am. I’ve gotten dozens and dozens of quotes, and this is the cheapest I’ve found. How is everyone finding this dirt-cheap insurance??

      • Brink006 says:

        They live in a flyover state where people typically drive used budget cars. If you live in a city or area with any wealth, the potential cost of damage you can do is infinitely higher and you pay more.

      • meltingcube says:

        When you get into an accident, will you really be happy having “dirt-cheap” insurance? For some things it’s better to pay a bit more for, to have quality service.

        Personally, I pay around $100/mo for my ’09 Jeep Wrangler. 21 y/o with no at fault accidents, nor any speeding tickets. Normally its around $150, however bundling with renters insurance cut off several hundred from the premium.

    • ellemdee says:

      “Every time people talk car insurance, I always see numbers flying around that makes me feel like I’m getting ripped off hardcore.”
      I get the same feeling, but just haven’t had time to comparison shop yet. I have a clean driving records and I’m driving a 2000 Intrepid at around $550/6 months for full coverage, and that includes discounts for driving under 7500 mi/yr (just rolled over 60K last month) and for having my home insurance through the same insurer. I could probably lose the full coverage at this point, but I still get the feeling I’m paying too much. When I moved to a lower crime/lower theft area, my rates actually went up quite a bit.

  23. soby says:

    Speeding tickets will always be the bane of my existence. Perfect record otherwise…

  24. backwerds says:

    Uh are you even sure about the Scion TC being the #5 most expensive car to insure?

    I currently have an 06 model and my insurance went down considerably from my Jeep Liberties. They aren’t viewed by my insurance as a sports car but a hatch back…

    And yeah, this article looks terrible; its like Maxim let it’s kid brother write an article and then proceeded to include every stereotype it could about the drivers/cars.

  25. Cicadymn says:

    Well personally I can’t wait get a focus. The new design doesn’t look terrible. It’s not expensive, easy and cheap to insure.

    Never been one of those get out and be retarded on mainstreet every weekend kind of guys. Never will. Always been a Point A to Point B.

    Responsibility and personal reflection will be cool one of these days! Right guys! Guys? Right?… Guys?

  26. mcs328 says:

    1999 Honda Civic sedan. Under $350 for 6 months.

  27. courtachino says:

    I have a 2007 Kia Spectra. It’s always been about $450 every 6 months to insure with Progressive. Now that I turned 25 this year, I just paid $375 for the next 6 months.

    When I got my renewal documents, there was a paper in there stating that Progressive hadn’t been giving me the best rate possible because I opened credit in the last two years (but not auto/home credit). I went to the Experian site listed in the paperwork to see what credit I opened in the last two years. Boy, was I pissed that the “credit” was for a cell phone I got in February 2009! Still, Progressive has the best auto insurance rates for me, so I am staying put (for now).

  28. eddikat says:

    The whole article feels very tongue and cheek as well as based on outdated and/or incomplete data.

  29. ktetch says:

    That would be the Golf GTi, right?A fat, slow pig of a car. (when it first came out in the 70s, it was light but had no power, now it has power but is heavier than my Lumina).

    Part of that could be because the GTi isn’t the top-powered golf. The diesel ones are faster, a bunch of different I5 and V6’s, and the fastest of all, the R32 – with a 3.2lV6 (I passed my test in my dads 88 golf, with it’s anemic 54hp 1.4)

    • ktetch says:

      grr, supposed to be in response to t325 aboive

    • cristiana says:

      I really don’t think you know what you are talking about, the MKV and MKVI GTIs are not slow (they might be a bit fat, but most new cars are). You probably have also never driven one, because it a nice amount of power and it is one of the top handling cars in its class.
      Also, the fact that you said the I5 is faster than the 2.0t is completely wrong, the i5 is a joke of an engine that is thirstier and has less horsepower than the 2.0t in the GTIs. However, the GTI is not the fastest golf, the R32 is (like you pointed out), but that is a much more expensive car.

      • ktetch says:

        Traditionally, the GTi’s weren’t 2t’s, they were flat 1.8s first, then 2.0’s. An old co-worker of mine had a mk3 one. ended up boring it to 2.2, and adding a supercharger. Then again, his other car was a 300hp hillclimbing mini. Blew my Mg metro twin-turbo away (except on the twisty stuff).

        Fast cars (hot hatches especially) are what I grew up with.

      • MustWarnOthers says:

        The person sitting right next to me at work had a 2007 GTI 6 speed, and now has a blue 2004 MK4 R32.

        The weight of the R32 and its all wheel drive system and V6, combined with some of the horsepower loss at the differentials makes the speed of R32 not much different than the MK6 GTI’s.

  30. weathergirl says:

    I’m 23 and drive a 2001 Chevy Malibu. I pay just under $300 every six months. The highest I’ve ever paid is $450 or so for a beater when I turned 16. I have a spotless driving record and live in central Illinois, so that probably helps…

    • edman007 says:

      I’m 23, male, and just outside of NYC (~25 miles away), perfect driving record, and my 2000 Camry is $78/month for just liability. Everyone gets something better than me :(

      • Michaela says:

        I pay about the same as you.
        Female, 20 years old. I had a car accident when I was 18 (totaled my brand new, less than 300 miles on it corolla when some idiot rammed his civic into my driver-side door), but besides that, my record is perfect

  31. semanticantics says:

    I’m going to wager that the Buggatti Veyron or Pagani Zonda are slightly more expensive to insure than a Scion, even with aftermarket fart cannon muffler and orange painted rims.

  32. Copper says:

    I have a 2006 Focus and a 1987 Bronco on my insurance. Both have full coverage and low deductibles. I pay ~$200 a month for both, but I’m 21 and the Focus has a high rate of getting hit. Since I bought it in 2007, it’s been in 3 hit-and-runs in parking lots and one collision that was the fault of an old lady who didn’t yield.

  33. DRFS Rich says:

    About $110 a month on a 2005 Saab 9-2x (Subaru Impreza RS), and a ’94 Corvette. Single Male driver, age 30,

  34. Donathius says:

    I’ve got a 1992 Honda Accord and a 2004 Honda CR-V. They both have the same amount of coverage with the exception of the CR-V having comprehensive insurance with a $500 deductible. I pay $450/6 months or about $75/month for both cars.

  35. astraelraen says:

    Comparing what people pay for insurance is kind of a silly effort. There are so many variables that go into the dollar amount that you can’t possibly take into effect in a simple forum post. People will mention age and car type, but they don’t often mention their age, how many drivers are in their household, their location, accident history, the amount of miles they drive per year, etc etc.

    • JiminyChristmas says:

      Location can be a big one: the state you live in, your specific zip code, even where exactly you park your car. The amount and type of coverage each state requires for minimum liability varies a lot. Zip code is tied to rates of theft and vandalism. Likewise, my insurer always asks where I park my car at night: on the street, off the street, or in a garage.

  36. Gtmac says:

    Ya know, generally I really appreciate the job that Consumerist does. I’ve even donated to the cause. But in this case I have to ask…If the article details the most AND least expensive cars to insure, why is Consumerist playing up the negative angle?

    Why not lead in with something about the cars you want to buy if you’re looking to save on insurance? Try focusing on the “Pro” of pro-consumer blogging.

    The obvious answer is that it’s Phil’s post.

  37. solareclipse2 says:

    I own a 2002 Ford F-150 and a 2007 Mustang GT with performance add-ons. I pay $90 a month for full coverage on both.

  38. erratapage says:

    2006 Suburu Forester and 2001 Toyota ECHO (and a beat up trailer). $85 a month, full coverage (dubious on the ECHO, but honestly? there wasn’t a real price different to drop liability). Most I paid was a little over $100 a month on my Plymouth Neon when I was younger and living in the heart of Minneapolis. That was a difficult hunt for insurance, because I kept being quoted sweetheart rates that would go away. American Family was the worst. Also, I notice that insurance companies do a poor job of assessing risk. Last time we reviewed coverage, we got horrible quotes (2-3 X what we pay now) from companies that pride themselves on low rates. I can’t figure out why that would be.

  39. Epsilon748 says:

    Wow, I feel like I’m getting ripped off compared to everyone else. I’m paying $110 a month (or $660/12 months) with Progressive. I have a 2010 Nissan Versa S with insurance out of PA, although I do have comprehensive and collision because it’s new, and it’s not the state mandated minimum. I think it’s 25k/50k/25k versus 15k/30k/15k state minimum, and I added on roadside assistance (yeah yeah, but it’s only $2 and I don’t have AAA). I’m 20 with one accident back when I was 16 that was forgiven by Erie, and is just out of range to have to report on the 3 year limit for new insurance.

    The comprehensive part of the insurance is what really bumps up the rate though, it’s $362 of the 6 month total of $657. Without that I’d only be paying $50 a month or so.

    Anyone know how to get it cheaper?

  40. MercuryPDX says:

    $430 dollars every 6 months for full-coverage on a 2009 Honda Element (after “Safe driver discount” and bundling with Homeowners Insurance applied).

    This is pretty much the highest I have ever paid because it’s the first car I’ve ever had to finance and have full coverage on.

  41. donjumpsuit says:

    I know I mention this every time there is a post on Car Insurance, but it still is useful.

    California is the only state that factors in miles driven/ year into the price of insurance. If you call the cancel, and get a “retention specialist” try to negotiate down your miles per year for lower premiums. Also, when switching to new insurance, or getting a quote, try to put as low miles as reasonable in the quote.

  42. The cake is a lie! says:

    I went shopping for a new Subaru last year. I was blown away by what the premiums would be for the WRX. I’m not even talking about the STi version either. I am 34 years old, married, perfect credit and perfect driving record. With Geico it was going to be nearly 300 a month!! I drive an ’05 Corolla XRS right now and am happy with my low low rate. It is much lower than a Civic even. What surprised me was that I could go back to the Legacy GT (I had one new in 2005 and sold it when we had our second child) and the insurance would actually only be a couple bucks higher than the Corolla. This makes me scratch my head because the Legacy GT has 70 more HP and is AWD. It also has more HP than the WRX I was pricing out, so clearly power has nothing to do with the premiums. I think the fact that every boy-racer in the state has a WRX and likes to wreck them is the reason the Impreza is so much. They are inexpensive, way good looking, and fast as hell. Faster cars which are better looking are cheaper because they don’t carry with them the ability to be easily modified and wrecked by 19 year olds who put their entire paychecks toward the car payment while they are on their parent’s insurance.

    Anyway, that is my rant for the WRX. It is insanely expensive. I can get a 1994 Dodge Viper and pay less insurance than any year WRX. That kills me because I’d really like to have one of those cars, but I’m not paying more for insurance than I do for a car payment.

    • ganzhimself says:

      Replacement parts on the WRX are fairly expensive… Those all aluminum hoods don’t come cheap. A fine bit of information I learned today when looking at my rates is that I could get a 2011 WRX STi wagon and pay LESS per month in insurance than I do with my 05 WRX wagon.

  43. Costner says:

    $95 a month covers a 2004 Civic and 2007 Pilot. Full coverage on both, $500 deductibles.

    Granted I’ve been with the same company since 1996 or so (State Farm) and have never had a claim during that period so I get a claim-free discount. I’ve shopped around from time to time, but never found a quote any cheaper other than Geico but it was only a few bucks and I know from experience they will raise the rates over the first few years so eventually I’d be paying more.

    All I can say is… Like a Good Neighbor, State Farm is There.

  44. samonela says:

    I pay more for my 87 Acura Legend than I do for my 03 Infiniti I35.

    Married. Over 25. No accidents. No moving violations. Multiple good driver and loyalty discounts.

    Go figure.

  45. CurtBabarong says:

    Back in 2005 I paid $225 a month for a 2002 BWM Z3 Roadster 3.0 and a 2000 Saturn SL. And on top of that I didn’t even have any tickets on my record, I just think it was because I was 23 at the time.

  46. Todd_F says:

    I have a 2006 Toyota Highlander and a 2008 Ford Edge. We have four drivers in the house ages 46, 46, 20 and 18. No tickets, but I have one minor at fault accident less than five years old (I backed into my neighbor’s car). We had GEICO until last month and our annual premium was – get this – $4,900!!

    FU GEICO. I moved to Liberty Mutual and got the same coverage for $3,200.

  47. BrazDane says:

    2000 Mercedes E320 with 100/300/100 (not sure about the last ‘100’) $280 every six months. On a just sold 2001 Ford Crown Vic Police Interceptor I had the same coverage for only about $220 every 6 months. It is actually amazing how cheap that car was to insure. My wife’s and my records are completely clean, and the deductible is $1000 for at-fault collisions and $500 for everything else (falling rocks, deer, etc.).
    I can only recommend that you try to find an independent insurance broker. Ours shops around with more than 10 different companies and then gets us the cheapest rate. AAA keeps wanting to insure me, and their rate was/is 2.5 times higher for the same coverage!

  48. acadianone says:

    Through USAA, I pay $1099 every 6 months for a 2002 Isuzu Axiom and a 1994 Honda Accord. I have a 0 comprehensive deductible and a 100 collision deductible on both cars, higher than legal limits on what they cover and rental car/roadside assistance, etc. It is kind of high, but then again my husband’s license was suspended for 6 years and it’s isn’t now, so…I’m happy paying 180 and change a month. I’m just happy to not have to deal with SafeAuto or the General.

  49. a5un says:

    couple of things to note:
    1. Mitsubishi Lancer…try Mitsubishi Lancer Evolution. The regular Lancer with ~150 HP is not one of the most expensive cars to insure. And no the Lancer did not make it out in any of the “Fast and Furious” movies.
    2. Let me know where you can buy one of those Tiburons? Because it looks pretty nice, compared to the one Hyundai stopped selling after the 2008 model and replaced with the Genesis coupe. Fail.
    3. Impreza WRX and WRX STi…wow awesome picture with perfect aspect ratio. I’m simply amazed at what passes for reading material these days. And please, the WRX/WRX STi crowd is pretty far away from the Apple or Facebook fanboys. Most of the time they’re worried about their paint. It’ll really chip if you look at it hard enough.

    What a load of fail!

  50. tinmanx says:

    2008 Honda Fit, $2000/yr. Brooklyn, NY and having a 21 year old sister under your policy sucks. :(

  51. Brink006 says:

    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.

  52. Callandor says:

    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.

  53. RosevilleWgn says:

    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.

  54. jvanbrecht says:

    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.

    • Johnny Longtorso says:

      Your premiums are probably higher than average because you’re driving a $60,000 luxury car.

  55. catastrophegirl chooses not to fly says:

    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.

  56. Eyeheartpie says:

    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…

  57. TheGreySpectre says:

    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.

    • TheGreySpectre says:

      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.

    • TheGreySpectre says:

      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.

  58. Powerlurker says:

    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.

  59. DoubleEcho says:

    We pay about $1200 a year to insure a 2003 Mazda Protege and a 2009 Toyota Camry with full coverage and towing/road assistance.

  60. zekebullseye says:

    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.

  61. JiminyChristmas says:

    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.

  62. MustWarnOthers says:

    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.

  63. EJ25T says:

    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.

  64. captainfrizo says:

    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.

  65. Johnny Longtorso says:

    $60/month for an ’07 Nissan Versa hatchback. Full coverage, two guys on the policy. We were paying twice that with Geico.

  66. AnthonyC says:

    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.

  67. john says:

    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.

  68. bouch42 says:

    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.

    • john says:

      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.

  69. Casey B says:

    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.

  70. Yo Howdy says:

    My Gallardo is very expensive to insure. Why is that not on the list?

  71. fuzzy says:

    *sigh*

    2008 Cobalt Sport, I pay $250 per month to insure it.

    Female, 26.

  72. colonel62359 says:

    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).

  73. JANSCHOLL says:

    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.

  74. thor79 says:

    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.

  75. t0ast says:

    ’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).

    • t0ast says:

      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.

  76. Saltpork says:

    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.

  77. Don't Be "That Guy" says:

    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.

  78. Don't Be "That Guy" says:

    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.

  79. elkhart007 says:

    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.

  80. elkhart007 says:

    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.

  81. martyrd0m says:

    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.