InsWeb's Top-10 Most and Least Expensive Cars to Insure

American culture attributes the car we drive to5 Chevrolet Equinox
our persona - defining our values, our sense of6 Ford Escape
style, and to some extent, our eccentricities. It's7 Kia Optima
the reason that Corvette owners wave to each8 Subaru Tribeca
other, and why everyone feels the need to catch9 Buick Lucerne
a look to see who's driving the Hummer. In the10 Ford Ranger
same manner, the car we drive also determinesTo create each list, we carefully analyzed rate
how much we pay for car insurance. Easily andata for every driver with a 2009 model vehicle
afterthought to the monthly car loan payment,who visited for an auto insurance quote this year.
many owners are "car-broke" because of theirAfter combing through tens of thousands of
insurance costs and don't even know it.quotes, we came up with an average rate for
Are you driving one of the most expensive carseach make and model and sorted the results by
to insure?price. Each make and model must have had at
Factors That Determine Car Insurance Ratesleast 50 quote requests to qualify.
There are a handful of factors that determineWhat's the Fastest You've Taken It?
how much a person pays for insurance, includingIf you drive a high performance vehicle with
gender, age, driving record, location of residence,more horsepower than General Washington's
annual driving mileage, credit scores (in mostArmy, insurance companies have no other choice
states), and most importantly, the car we drive.but to assume that you will use it and practice
Although common-sense holds that the moreriskier driving. Should you get into an accident,
expensive a car, the more expensive theregardless of fault, the cost of returning your
insurance, this is not always the case. Insurancevehicle to its original condition can be
rates differ greatly between makes and models.extraordinary--even for a seemingly harmless
If a car performs well in crash tests, it's notfender bender.
frequently stolen, and has additional safety orBigger Is Safer, But Causes More Damage
anti-theft devices, it will generally cost less toAlthough SUVs, large trucks, and other large road
insure it. On the other hand, if your car is flashier,warriors might be safer than compact cars in
attractive to thieves, and doesn't wow anyone inaccidents, they tend to foster a more expensive
the crash tests, it will cost more to insure.liability coverage rate given the fact that they
10 Most Expensive to Insureinflict more damage than most standard cars in
1 Aston Martin DB9accidents. On another note, there are still many
2 Bentley ContinentalSUVs that have inherent safety flaws in their
3 Dodge Viperdesign, specifically with rollover tests. Accordingly,
4 Porsche 911insurance companies share these additional financial
5 Chevrolet Corvetterisks onto the driver in the form of higher
6 Porsche Caymanpremiums.
7 BMW X5Car Insurance Companies Love Family Cars
8 Cadillac EscaladeCars that are particularly associated as "family
9 Land Rover Range Rovercars" tend to have lower insurance premiums.
10 BMW 128IThese types of cars include minivans, family
10 Least Expensive to Insuresedans, and station wagons. Cars that are used
1 Mercury Grand Marquisprimarily to transport a family are generally
2 Buick Lacrosseinvolved in fewer accidents, due to safer driving
3 Toyota Avalonhabits associated with those who transport family
4 Kia Sportagemembers.