Most and Least Expensive Cars to Insure

In the market for a new car, but not sure which model to buy? Here’s something that might help: Insure.com has named the most and least expensive 2010 vehicles to insure.

While the most expensive is the Porsche 911 Carrera GT2 with an average national premium of $2,944. The least is the Mazda Tribute i (2WD), costing an average of $1,070 to insure.

The findings are based on a study of insurance rate quotes from six large carriers in 10 ZIP codes per state. “Averages are based on a single 40-year-old male driver who commutes 12 miles to work, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage,” explains an Insure.com press release. “The policy includes uninsured motorist coverage.”

While the complete list, featured below, doesn’t take into account high-priced exotics cars, other luxury brands do make a showing. Fox News notes: “The most popular brand on this most-expensive list is Porsche, with four models of the ten. Mercedes comes in second, with three, with Audi’s R8 and the Dodge Viper rounding out the top 10.”

As for the least expensive, they’re mostly Minivans and SUVs — which isn’t surprising given that they’re more likely to be family cars (just try getting a car seat into the backseat of a 911). Their owners also tend to cruise more sedately than your average sports car driver.

“The profile of the average person who drives a particular model has great influence on the average premiums for that vehicle because pricing for collision and comprehensive coverage is based on the model’s ‘loss history,’” says Insure.com. “For example, small cars that are often driven by young, inexperienced drivers tend to be more expensive to insure.”

Consider this another victory for soccer moms, who were recently revealed to be the safest drivers on the road in an Insurance.com study of Most Dangerous Drivers by Profession.

Most Expensive Vehicles to Insure

1. Porsche 911 GT2: $2943.78

2. Mercedes-Benz S65 AMG: $2863.03

3. Dodge Viper SRT10 Coupe: $2851.89

4. Porsche Panamera Turbo: $2837.39

5. Dodge Viper SRT10 Roadster: $2815.90

6. Mercedes-Benz CL600: $2754.80

7. Audi R8 V-8 Coupe: $2751.55

8. Porsche Panamera S: $2744.78

9. Mercedes-Benz SL600: $2715.86

10. Porsche 911 Turbo: $2706.04

Note: For 2010, the only Porsche 911 Carrera GT models available are the GT3 and GT RS.

Least Expensive Vehicles to Insure

1. Mazda Tribute I (I-4, FWD): $1070.25

2. Honda Odyssey LX: $1095.26

3. Mazda Tribute I (I-4, AWD): $1103.29

4. Chrysler Town & Country LX (3.3-liter V-6): $1119.83

5. Jeep Wrangler X (4WD): $1124.38

6. Mazda Tribute S (V-6, FWD): $1128.29

7. Dodge Grand Caravan SE (3.3-liter V-6): $1131.06

8. Toyota Sienna CE: $1133.97

9. Hyundai Tucson GLS (I-4, FWD): $1134.08

10. Kia Sportage LX (I-4, FWD): $1138.41

Posted in Auto, Finance, Insurance.

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