The Most Expensive Cars To Insure

Insurance companies don't have a “one-size-fits-all” way to price their policies. Your insurance rates are based on a lot of factors. And one of those factors is the kind of car you drive.

When insurance companies decide which cars they should charge higher premiums for, they look at three things:

• Design. How well is the car put together? Are repairs easy and affordable, or difficult and expensive?
• Technology. What features does it have to make driving safer? Things like anti-lock brakes reduce the risk of accidents — and costly insurance company settlements.
• Imported or Domestic? Imported cars usually need to be repaired with imported parts. That means trips to the mechanic are costlier.

So which cars will cost you the most in monthly premiums?

The Cars That Will Raise Your Insurance Premiums

The most expensive cars to insure are:

1. Mitsubishi Lancer Evolution
2. Mercedes CL-Class
3. Dodge SRT-4
4. Subaru Impreza WRX
5. Jaguar XK
6. Lexus IS 300
7. Honda S2000
8. Acura RSX
9. Nissan 350Z
10. Jaguar XJ

Owning one of these cars is bad news for your monthly insurance bill. But there's a bright side: none of these cars makes the top 10 most stolen cars list.

What about the least expensive cars to insure? If you want to save on your premiums, these are the models to look at next time you're out car-shopping:

1. Volvo XC90
2. Chevrolet Malibu Maxx
3. GMC Safari
4. Buick LeSabre
5. Nissan Pathfinder Armada
6. Pontiac Montana
7. Mazda MPV
8. Ford Thunderbird
9. Pontiac Montana
10. Ford Taurus

It isn't all about the kind of car you drive, though. There are plenty of other factors that affect how much your premiums will cost.

To find the best deal, talk with an insurance agent. You can use our free online quote service to get matched with up to 5 agents. Compare their offers, and see for yourself which auto policy gives you the best coverage for the best price.