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If You’re Looking to Save on Insurance, Avoid These 10 Cars

Updated June 29, 2015

There are fun parts of owning a car and not so fun parts. Car insurance is a not so fun part. So choose carefully as rates can vary greatly by car and state.

The most expensive 2015 models to insure include Nissan GT-R Nismo, Mercedes-Benz SL65 AMG Convertible, Dodge SRT Viper, Porsche 911 Carrera S Cabriolet and Audi R8 5.2 Spyder Quattro according to Insure.com’s annual ranking of the most and least expensive vehicles to insure.

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The iconic Jeep Wrangler Sport 4WD repeated its cheapest-to-insure title, with an average rate nationwide of $1,134. The most expensive model to insure was the 600-horsepower, $150,000 Nissan GT-R Nismo at $3,574 a year.

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Average insurance rates for more than 1,500 models are available in an easy-to-use tool at Insure.com’s car insurance comparison page. Insure.com compared rates using an identical driver profile for all models at six major insurance carriers in multiple ZIP codes in each state.

Car insurance rates vary widely by state. The same buyer of that 2015 Jeep Wrangler would pay as little as $694 a year in Maine or as much as $2,027 in Michigan. A GT-R buyer in Montana would pay $6,630 in Montana and $2,012 in Hawaii.

The average rates below are for a 40-year-old single male driver with a good record. See the full methodology at the bottom.

The Least Expensive 2015 Cars to Insure
Rank / Make & model / Average Annual Premium
1. Jeep Wrangler Sport 4WD – $1,134
2. Jeep Patriot Sport 2WD – $1,136
3. Honda CR-V LX 4WD – $1,160
4. Dodge Grand Caravan SE Plus – $1,162
5. Honda Odyssey LX – $1,163
6. Jeep Compass Sport 2WD – $1,164
7. Subaru Outback 2.5i – $1,176
8. Ford Edge SE 2WD – $1,176
9. Smart FORTWO Pure – $1,186
10. Ford Escape S 2WD – $1,190

The Most Expensive 2015 Cars to Insure
Rank / Make & model / Average Annual Premium
1. Nissan GT-R Nismo – $3,574
2. Mercedes-Benz SL65 AMG Convertible – $3,573
3. Dodge SRT Viper – $3,318
4. Porsche 911 Carrera S Cabriolet – $3,216
5. Audi R8 5.2 Spyder Quattro – $3,206
6. Porsche Panamera Turbo Executive – $3,174
7. BMW 760Li – $3,147
8. BMW M6 Convertible – $3,115
9. Mercedes-Benz E63 AMG 4Matic Wagon – $3,042
10. Mercedes-Benz CLS63 AMG 4Matic Sedan – $2,972

Methodology
Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for 2015 models. Averages were calculated using data from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state. Not all models were available, especially exotic cars. More than 1,500 models are included in the 2015 study. Least expensive rankings were based on the best-performing trim line of each model. Most expensive rankings were determined by the worst-performing trim line of each model. Averages are based on full coverage for a single 40-year-old male who commutes 12 miles to work each day, 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. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage.

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Chris Riley
About Chris Riley

I have been wrecking cars for as long as I've been driving them but I keep coming back for more. Two wheels or four, I'm all in. GearHeads.org gives me a chance to give something back to the automobile community.

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