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Which 2013 cars are the cheapest to insure?

Domestic and Asian crossovers and SUVs take the cheap spots; German automakers make up the pricey list.

By Exhaust Notes Jan 18, 2013 2:15PM
Crossovers and SUVs priced below $30,000 are the cheapest new cars to insure this year, according to a survey of insurance company data.

The base Ford Edge reported the lowest average premium, at $1,128 per year, followed by the Jeep Grand Cherokee Laredo and Subaru Outback 2.5i Premium.

The survey from Insure.com, which gathers data from six major insurance companies in all 50 states, estimates annual insurance rates for 2013 model-year cars. The 20 least expensive vehicles, all of which were between $1,128 and $1,237 per year, were split between domestic and Asian brands and included two minivans -- or three, if you count the noncommercial version of the Ford Transit Connect.

These family cars, says Insure.com, have low repair costs and typically aren't involved in accidents since they're just "going to the mall, taking kids to school and driving to sports practices on the weekends." The only regular car listed was the Honda Fit, ranked 19th at $1,235 per year.

The survey takes insurance data from 10 cities and towns from each state, and figures rates based on a 40-year-old man with a 12-mile commute. The sample policy includes a $500 deductible, $100,000 injury liability, $300,000 comprehensive injury liability and $50,000 property damage coverages.

German and British luxury cars filled the entire list of 20 most expensive cars to insure. Mercedes models, most of which included V12 and AMG models of the SL, S and CL models, filled 11 spots. The No. 1-ranked 2013 CL600 is estimated to cost $3,357. Three variants of the Jaguar XK, including the XKR coupe and convertible, were expected to cost between $2,684 and $2,822 per year. Five Porsche models (three turbos) and one BMW filled out the rest of this pricey list. The 911 Carrera S was a comparative bargain in the bottom spot, at $2,626.

Exotic cars such as Ferrari likely cost much more, but aren't included due to the limited data available. As one example, Insure.com said that an Audi R8 5.2 insured in Washington, D.C., demands an average $6,009 premium. Ouch.

[Source: Insure.com]



29Comments
Apr 8, 2013 5:47PM
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Which 2013 cars are the cheapest to insure? - MSN Autos : Try this site where you can comapre quotes from different companies:  usainsurancequotes.net
Feb 5, 2013 3:49PM
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I have a 2009 Hyundai Veracruz sports SUV and I am fully insured for everything but the kitchen sink and I pay less than $600.00 a year...AND I have my 19 year old daughter on it who is in College so I did get a discount for that. But, that's not bad...Not bad at all...( I live in Arizona in a small tourist town)

 

Feb 5, 2013 1:35PM
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Lot's of times an insurance company will pull a credit report (I haven't figured out how my credit has to do with my ability to drive) and base their rate on that.  My business tanking and leaving me with excess debt has no bearing on how I drive my car.   I'd like to see my rate based on "my fault" accidents, tickets, % of ownership of my car and deductibles. 
Feb 5, 2013 11:23AM
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You are not covered by the least expensive insurance company.  You need to go out to bid.  Get at least 3 other insurance companies quotes.  You can do better.  You may also get separate quotes for you and your spouse.  See if you can get better rates that way.  The key here is to shop, shop, shop.  Good luck to you!
Feb 5, 2013 10:09AM
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this was a waste of time to view, no real info. Hey lets put up a head to attack people to click on my page so I can get ad money...B.S. is all we got
Feb 5, 2013 9:30AM
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Reading the comments it is easy to see why so many people like sound bites only. First these rates are average 50 State rates. In some States and living in some cities the rates are far higher or lower

 

Further risk is not so simple as value and weight of vehicle..

Feb 5, 2013 9:12AM
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Of course this article is flawed. It was meant to entertain, not educate. There lies the problem. If it's important to you, check it our yourself. Check around to get the best price. You might even check with an independent insurance broker. Good luck. 
Jan 26, 2013 8:27PM
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Take my word for it....in 2014, the safest and best car to get the cheapest insurance is the 2014 Corvette "Stinkray".  It's so ugly that any self-respecting car thief wouldn't be caught dead in it. Don't get me wrong.....I've loved Corvettes ever since the first production in 1953. But this new 2014 Corvette has Harley Earl spinning in his grave and hurling. It looks like a German-produced version of a Korean-knock-off of a European/Italian style Lambo. It just doesn't quite garner the "American Muscle Car" title anymore. It's freakin' ugly.
Jan 26, 2013 5:26PM
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I have a 2011 Ram 1500 Premium Sport. I insure at $1,000,000 across the board liability, including Uninsured/underinsured motorists, and new car replacement, thats if my tuck were to be totalled they would buy me a new 2013 Ram Premium Sport, with a $500 dollar deductible. I bought the truck new and have not had an increase in premium.  I drive around 18,000 mile a year. I am 28 with a decent driving record, 2 speeding tickets, and 1 claim for $2,200 2 years ago. I pay $973.00 a year, so I am saying BS to this article, as my truck probably costs a lot more to replace and coud cause a lot more damage than the vehicles listed (liabilty).
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there was an ad on internet about insuring obese people and smokers do you tell the indian at the convince store what you will pay for your chips candy bars and all the other things that made you obese no you don't so insurance companies have the rite to set the price to insure your obese stinking a-- it a product do you understand
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