Which Cars Are the Most Expensive and Least Expensive to Insure?

Anyone who drives a car knows that insurance is expensive - really expensive in some cases. But that doesn't mean you can't good a great deal for your money and keep yourself and your wheels on the road for less.

Insurance costs can account for eleven percent of ownership costs over the first five years of owning a vehicle, so considering the amount of insurance you will have to pay on a new vehicle should calculate into your figures when deciding if you can afford a car or not.

What factors go in to calculating a car's insurance price tag?
There are quite a handful of factors that go into this, including the make, the price tag of the car, its fancy-schmany features, your own driving habits, the size of the car and the power it has under the hood.

Good driving habits will keep your insurance costs low, which is just another incentive to be a safe driver. Luxury features, however, in your car will cost you more when it comes to insurance. So, a Porsche will lighten your wallet considerably more than a minivan. In fact, affordable wagons, vans and sedans are usually the least expensive to insure while big muscle cars will run you more on your insurance premiums.

The Top Five Most Expensive Cars to Insure

Number One Most Expensive Car to Insure: Porsche 911 Carrera
The Porsche 911 Carrera tops this list with an average premium of almost three thousand dollars. To insure this pretty piece of car flesh, the average insurance premium nationwide is $2,943.78. It runs on six cylinders and has a GT2 two-door coupe trim.

Number Two Most Expensive Car to Insure: Mercedes S65 AMG
This four-door car breaks the sedan rule when it comes to insurance. It runs on twelve cylinders. But hey, that number is pathetic when compared to the insurance premium. The average national premium for this Mercedes is $2,863.03, which is not far behind the Porsche.

Number Three Most Expensive Car to Insure: Dodge Viper SRT-10
This powerful car looks like it carries a hefty price tag - and it does. Ten cylinders and a two-door coupe trim define this car, not to mention the two stripes running over its body. It's muscle might entice you, but know this: the national average premium is $2,851.89.

Number Four Most Expensive Car to Insure: Porsche Panamera Turbo
Another Porsche and another sedan rule-breaker, the Panamera Turbo runs on eight cylinders and is a AWD four-door sedan. The insurance price tag on this sleek car is $2,837.39.

Number Five Most Expensive Car to Insure: Mercedes CL600
We finish off this list with the least expensive car to insure on it: a two-door coupe, the Mercedes CL600. It has twelve cylinders just as the Mercedes S65 AMG does. Even though this is the least expensive car on the list, its average national insurance premium is still $2,754.80.

The Top Five Least Expensive Cars to Insure

Number One Least Expensive Car to Insure: Mazda Tribute
The trim: il 2WD four-door utility. The cylinders: four. The insurance average premium nationwide: $1,070.25. And that, my friends, is considerably less than any of those cars listed up above. In fact, it's less than half of any of the most expensive cars to insure.

Number Two Least Expensive Car to Insure: Honda Odyssey
The Honda Odyssey has a LX five-door 2WD SOHC van trim and six cylinders, but it comes with a pretty insurance premium price tag: $1,095.26 average nationwide.

Number Three Least Expensive Car to Insure: Chrysler Town and Country
The Chrysler Town and Country's trim is LX 2WD four-door 3.3L wagon. It runs on six cylinders. With that said, its average national insurance premium is $1,119.83.

Number Four Least Expensive Car to Insure: Dodge Grand Caravan
Six cylinders and a trim of SE 2WD four-door 3.3L wagon, the Dodge Grand Caravan has an average national insurance premium of $1,131.06.

Number Five Least Expensive Car to Insure: Toyota Sienna
A CE four-dour wagon with six cylinders, the Toyota Sienna's average national premium is $1,133.97, making the most expensive car on the least expensive cars list still less than half of the cost of the Mercedes CL600, the least expensive of the most expensive cars to insure.

Sources:
Most and Least Expensive Cars to Insure