Which Are The Most And Least Expensive Vehicles To Insure?

Insure.com today released the 2008 Insure.com Car Insurance Ranking Report, its fourth annual listing of the most and least expensive vehicles to insure in the coming year.

Culled from a list of the 20 best-selling cars and small trucks in the U.S., Insure.com determined that the three most expensive autos to insure are the Dodge Ram, Chevrolet Silverado C/K Pickup and Toyota Prius.

The complete list of top ten most expensive vehicles to insure:

1. Dodge Ram pickup
2. Chevy Silverado C/K pickup
3. Toyota Prius
4. Honda Accord
5. Nissan Altima
6. Toyota Corolla
7. Ford Focus
8. Chevrolet Cobalt
9. Honda CR-V
10. Dodge Caravan

Also....

Culled from a list of the 20 best-selling cars and small trucks in the U.S., Insure.com determined that the three least expensive autos to insure for the 2008 model year are the Chrysler Town & Country, Ford Escape, and GMC Sierra Pickup.

The complete list of top ten least expensive vehicles to insure:

1. Chrysler Town & Country
2. Ford Escape
3. GMC Sierra pickup
4. Chevrolet Impala
5. Ford Econoline Club Wagon
6. Ford Fusion
7. Ford F-series pickup
8. Honda Civic
9. Toyota Camry
10. Toyota RAV-4

2008 Detroit Auto Show Photo Gallery

Htay7500 - 1/15/2008 12:24:21 PM

+1 Boost

grr we have 4 & 9.

0to60 - 1/15/2008 4:02:05 PM

-2 Boost

Boring...

Shredmo - 1/15/2008 12:29:02 PM

+1 Boost

I'd guess the most expensive vehicle on this list would be very close in cost to the least expensive.

Porschinator - 1/15/2008 11:11:36 PM

+1 Boost

Huh???

Shredmo - 1/16/2008 11:54:49 AM

+1 Boost

This list consists of the top 20 selling vehicles and nothing more. On average, these cars are not purchased by risk taking drivers. The drivers of these vehicles mostly share similar charachteristics on the road. There are no other vehicles being compared than what you see between the two lists. In other words, the GMC Sierra is the third cheapest to insure, the Silverado is the 19th cheapest (of the 20 being compared). Do you really think for the same driver, there is going to be much difference in insurance cost between the two?
Perhaps a couple dollars per month...

M35MT - 1/15/2008 12:47:26 PM

+4 Boost

very pointless list unless you buy one of the 'best selling cars' ...why cant they just do it for all cars under 100k? All under 50k? And so on...that would be worthwhile.

mercuryguy - 1/15/2008 12:52:43 PM

+1 Boost

My New Lincoln Town Car is extremely reasonable to insure. They tell me it is because the Town Car is considered one of the safest cars on the road with the 5-Star Fontal, Side and Roll-over Crash Rating. Even so, I cannot believe how low my premiums are, even with Half Million dollar liability protection. Frankly, I thought they made an error, but more than one person checked, and they said no mistake, this really is your premium.

This is a much larger factor than the cost to gas my car, but even so, I get 22 MPG on the Highway with the Town Car because it is only 2 wheel drive, and requires far less gas than my 4WD Mountaineer at 16MPG, both vehicles are powered with the same 4.8L V8.

Not many people know about the Town Car advantages, because Ford simply does not market this car, they don’t have to because it is their most profitable car.

M35MT - 1/15/2008 12:58:18 PM

+3 Boost

It's a fleet vehicle on an ancient platform...

0to60 - 1/15/2008 4:04:04 PM

+4 Boost

Why would you be happy that you bought a towncar??? New at that. How much do those things depreciate when you drive it off the lot? That will eat up the money you save on insurance and then some. Should have bought it used.

nybimmer - 1/15/2008 4:31:56 PM

+5 Boost

Mercuryguy...this is autospies, did you mistype and were you really looking for aarpspies?

Rupert - 1/16/2008 11:32:49 AM

+1 Boost

22 on the highway sucks, frankly.

enthusiastx11 - 1/15/2008 1:04:54 PM

-2 Boost

accord, altima, corolla and prius are among MOST expensive?!

are they just really bad drivers?

_43LE - 1/15/2008 1:18:47 PM

+4 Boost

high theft rate?

Shredmo - 1/15/2008 1:35:40 PM

+3 Boost

Most expensive of the top 20 best sellers. If the Chevrolet Silverado is the 2nd most expensive to insure, and it's brother, GMC sierra is the 3rd cheapest, basically, all of these cars are very similar in insurance costs.

Agent009 - 1/15/2008 1:36:26 PM

+2 Boost

probably more because of avg losses per accident. They simply may be more costly to repair, or easily totaled than their peers.

M35MT - 1/15/2008 4:55:35 PM

+1 Boost

Shredmo hit the nail on the head.

mercuryguy - 1/15/2008 1:35:04 PM

+1 Boost

I’m unsure what people really mean by an ancient platform, is this a bad thing? The Town Car rides firmly upon a real frame, giving it a stiffer, firmer feel, almost truck-like. You feel very secure behind the wheel. A real twin rail frame is nice, you stick a floor jack under the car, and raise it up from almost any spot. Try jacking a unibody, you need to get the manual out to find a safe jacking point. What gets me is that everyone today wants a more durable car, qualities you find in the more conventional platforms.

0to60 - 1/15/2008 4:05:53 PM

+3 Boost

How old are you?

0to60 - 1/15/2008 4:06:25 PM

+3 Boost

I believe you are on an ancient platform!

Rupert - 1/16/2008 11:34:08 AM

+1 Boost

It is a bad thing, because it is heavier, less stiff, noisier, and means it neither handles as well nor gets as good fuel efficiency.

XYZZ - 1/19/2008 6:44:04 AM

+1 Boost

"means it neither handles as well..."

LOL! ok, all you guys who think handling and magic feel are the ULTIMATE measures of automotive goodness: here is where you PAY for it!

cars that DON'T "handle well" are of necessity, driven conservatively. hence, tend to get the LOWEST insurance rates! (chrysler t&c, ford econoline, etc.)

Shredmo - 1/15/2008 1:54:23 PM

+2 Boost

Why theft rates?
There are 20 cars put in order of cost to insure. 2 lists were created to make a dramatic effect. They could have simply had one list that consisted of 20 cars. There is probably a negligible difference in cost from the cheapest to the most expensive. These are ALL among the CHEAPEST vehicles to insure.

Shredmo - 1/15/2008 2:15:42 PM

+1 Boost

How could the list be incomplete? Insure dot com selected the 20 best selling vehicles, then put them in order of cost to insure.
Similarly, a family of septuplets could be put in order of age. There will be an oldest and a youngest, as long as they are all accounted for, the list would be complete. Probably not much variance to the ages, but nothing is guaranteed. A hot rod will not be found on either list (septuplets or 20 best selling).

lexusis350 - 1/15/2008 2:21:02 PM

+1 Boost

I'm surprised the Civic is on the least expensive list. Usually it's on the most expensive because younger people usually buy (and wreck) them. And of course we can't forget about the rice rockets.

w209w114 - 1/15/2008 2:26:26 PM

+1 Boost

How can the Town and Country and Dodge Caravan be so different in rates?

lexusis350 - 1/16/2008 6:08:21 PM

+1 Boost

Because Chrysler is an entry-luxury brand and Dodge is not. You'd be surprised how different insurance can be on the name alone. The Cadillac Escalade is a whole butt load more than a GMC Yukon, but they're virtually the same.

Whelan - 1/15/2008 2:41:02 PM

+1 Boost

I would have expected different. I can actually confirm its different than what they post.

I used to own a 2002 Civic Coupe, that thing was expensive cause it was the EX and they rated it in the same class as the Si. I now have a 2005 Toyota Matrix XR AWD which is classified as a Corolla/Matrix since they use the same frame and engine. My insurance dropped about $50 a month with the same company, same coverage.

Also the Civic is a highly stolen vehicle as well.

0to60 - 1/15/2008 4:10:41 PM

+3 Boost

I think the 2002 civic is a high theft car too. Honda now has better technology in place, hence the lower rates

ghosthunter - 1/15/2008 9:11:45 PM

+1 Boost

you guys must be horrible drivers.
my insurance is 100k/300k, and i drive 20k miles a year. my 08 Acura TL-S, which the insurance company told me it will cost a higher premium because it is a sports car, only cost me about 1000 a year, that's less than 85 dollar per month.
well, 85 dollar per month is still a big number, but i just cannot imagine you saved 50 dollar by switching from civic to matrix, what was your premium? 150 dollar pre month or what?

DrFill2001 - 1/15/2008 2:50:51 PM

+1 Boost

Would be interested in finding out why the F-150 is least expensive, and Dodge and Chevy are the most.
DrFill

M35MT - 1/15/2008 4:58:08 PM

+1 Boost

Because I'm GUESSING that F150's are more popular with the older crowd, thus, more experience, responsible drivers...again that's a guess.

0to60 - 1/15/2008 4:12:17 PM

+2 Boost

that was a dumb comment

S4cabriofoxone - 1/15/2008 5:18:13 PM

+2 Boost

This list is pointless.

How about all cars under $100K, like M35 said?

Htay7500 - 1/15/2008 6:27:40 PM

+1 Boost

I'm suprised the Impreza wrx is not on the expensive list.

autopro - 1/15/2008 7:19:51 PM

-1 Boost

Rosco you have cow manure for your brains!

Porschinator - 1/15/2008 11:14:07 PM

+2 Boost

Rosko is here for comedy relief and no insight what so ever so no need to take offense.

Whelan - 1/16/2008 11:18:18 AM

+1 Boost

Insurance costs also differ depending on what area you live in. In southwestern CT rates are higher than most other places. My fiance had a Cabrio 00 when shew as in Virginia. She moved back home and her rate went up like another $150 a year.

My current insurance is $150 a month. I'm 26 and pay about avg. for my area. Can't wait till I'm married in July, rates are gonna crash, woohoo!

4x4rules - 1/16/2008 4:06:17 PM

+2 Boost

great then you can get a minivan AND an accord.

mercuryguy - 1/16/2008 9:13:08 PM

+1 Boost

I live in New York State, one of the highest cost Insurance states in the Nation, and the insurance on the Town Car is still very reasonable. I have no intention of ever paying anything near a grand for one years woth of insurance anymore. I was at $2,000/yr on my Trans-Am, never again, to do so would be utter foolishness.

dalejean - 1/17/2008 8:01:47 PM

+3 Boost

Dodge brings out the worst in minivan drivers?

Badge engineering affects insurance rates? The Town & Country and it's sister the Caravan are the SAME MINIVAN under the skin. How in the world can one be at the cheap side and the other at the expensive side of the insurer's scale? Do statistically bad drivers prefer Dodges over Chryslers?

How else can this be explained or justified?

mercuryguy - 1/18/2008 1:43:54 AM

+2 Boost

I notice it, I tend to avoid minivan drivers as they tend to pose a threat, as they are generally distracted on the phone and tend to drive recklessly. They often swerve without turn signals, or fly up on you quickly without seeing the obvious stop light you are stopping for. Driving near such vehicles simply raises the chance that you could be in an accident. Generally, less sophisticated cars, bring less sophisticated driver.