Insurance never fails to surprise. Even though car insurance rates are increasingly driven by databases and automated number crunching, every now and then the industry pulls a rabbit out of its hat.

Take Insure.com's newest list of the most and least expensive vehicles to insure. There were no surprises at the top: high-performance sports cars like the Nissan GT-R and Dodge Viper are there, plus theft favorites like the Cadillac Escalade. And you'd think the least expensive would be large, heavy safe cars driven by middle-aged parents who are obeying speed laws. That's true for the most part.

Then there's the Smart Fortwo, the smallest car available. It's a two-passenger coupe or convertible. Smart says it achieves fuel efficiency of 41 mpg on the highway – but I can't imagine wanting to drive such a dot on the highway with SUVs shooting past me. Nonetheless, it's one of the cheapest cars to insure, in large part because it's easy to repair: Mercedes-Benz provides pre-painted doors to body shops that simply need to be bolted on.

Do you own a vehicle that's one of the most or least expensive to insure? Do you wish you did? Tell us about it.