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What is the cheapest car to insure?

 This year's winners of's annual ranking of least expensive vehicles to insure are the Chrysler Town & Country, the Toyota Sienna and the Honda Odyssey.

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It's no coincidence that all three vehicles are minivans. Insurance companies consider the frequency and severity of past claims for vehicle models to set premiums for collision and comprehensive insurance. (Collision pays for repairs to your car after a traffic accident, and comprehensive pays for losses from other causes, such as natural disasters, theft, vandalism or collisions with animals.)

The practical minivan appeals to family drivers who aren't likely to speed, crash or drive during peak commuting hours, and they're relatively inexpensive to repair. The average annual premium for the Chrysler Town & Country is just $1,092.

The most expensive vehicles to insure are flashy sports cars and luxury sedans, such as the Mercedes SL65 AMG, with an average annual premium of $3,454, and the BMW 750i, with an annual average premium of $3,281. These cars cost more than some suburban homes, so they're pricey to repair and, therefore, expensive to insure.

The average premium rankings are based on an survey from Quadrant Information Services. The average car insurance rates were based on a 40-year-old single male driver who commutes 12 miles to work. The sample policy had 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. The policy also included uninsured motorist coverage.

For more, see low cost car insurance awards and the most and least expensive 2011 vehicles to insure.


Last updated: Jun. 29, 2011 Redesign Survey