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.
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.
More often than not it is the soccer moms I see with a phone in one hand, a latte in the other, and steering with whatever hands remain
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..
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