Compare car insurance rates for more than 2,400 vehicles

By Insure.com

Check out average insurance rates for your 2012 car

Annual rates for 900+ models!

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Editor’s note: 2011 car insurance comparison rankings are available.

What’s it like to drive a Porsche with 530 horsepower and an MSRP of $194,000? Thrilling, no doubt – not that most of us will ever know. On the bright side, most of us will never have to pay the insurance bills associated with such a car.

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Insure.com’s annual ranking of average car insurance rates reveals that the Porsche Carrera GT2 two-door coupe is the most expensive vehicle to insure among 2010 models. A 40-year-old male would pay a national average of $2,943.78 for car insurance annually – and that’s assuming the driver has a good driving record.

On the other end of the scale is the Mazda Tribute I (2WD four-door SUV) – the least expensive 2010 vehicle to insure among all vehicles examined. Looking across other categories, the Dodge Caliber is the least expensive car to insure, the GMC Canyon WT (2WD 2 Door 2.9L) is the least expensive pickup to insure, and the Honda Odyssey LX (5 Door 2WD SOHC) is the least expensive minivan to insure.

You can find the average premium for more than 2,400 vehicles by using the tool to the right.

“The least expensive vehicles are ones you have to drive and no one wants to. The most expensive list includes cars that people don’t have to drive but want to,” observes Kim Hazelbaker, senior vice president of the Highway Loss Data Institute, a division of the Insurance Institute for Highway safety.

The profile of the average person who drives a particular model has great influence on the average premiums for that vehicle because pricing for collision and comprehensive coverage is based on the model’s “loss history.” For example, small cars that are often driven by young, experienced drivers tend to be expensive to insure than other cars.

In many ways, the “soccer mom” driving a minivan is among the best insurance customers, says Hazelbaker – she is much less likely to make a claim because she generally doesn’t drive during peak commuting times, doesn’t drive often late at night, and is probably not an aggressive driver. (The ideal insurance customer is someone who doesn’t drive her car at all.)

Auto insurance rates also tend to rise with horsepower. Hazelbaker says, “The number of series available with 500 hp and up has exploded. The Viper is  600 hp. These are insane numbers. The Carrera is a race car in street clothing. And they’re being driven on occasion by people using this horsepower. And these are expensive vehicles, $100,000 and up, so if you have a total loss, that’s a big factor [in insurance rates].”

Methodology: To arrive at the average premiums, Insure.com commissioned a study from Quadrant Information Services that calculated the average premiums for a 40-year-old male driver (see full profile below) using car insurance rates from six large carriers in 10 ZIP codes per state. Not all models are available for calculating average rates, especially exotic cars, which is why you won’t see Bentleys and Lamborghinis on the list – although you can assume those carry hefty insurance bills.

Averages are based on a single 40-year-old male driver who commutes 12 miles to work, 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. Policy includes uninsured motorist coverage. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

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