Serves the Commercial Small Fleet Market of 10 – 50 Vehicles

What 2013 Vehicles Are the Most and Least Expensive to Insure?

January 17, 2013

Insure.com’s 2013 car insurance comparison study shows a notable shift from previous years in the vehicles that are the most affordable to insure. The rankings compare more than 750 models.

In the past, minivans have dominated the “least expensive to insure” rankings. But SUVs and crossovers have parked themselves in the best spots in the rankings for the 2013 model year.

The Ford Edge SE takes the No. 1 position as the least expensive 2013 vehicle to insure. Other vehicles that can offer auto insurance savings include the Jeep Grand Cherokee Laredo, the Subaru Outback 2.5i Premium, the Kia Sportage and the Jeep Patriot Sport.

Mercedes-Benz cars dominate the “most expensive vehicles to insure” list, holding 11 of the top 20 positions. The 2013 Mercedes-Benz CL600 has the most expensive auto insurance rates, topping Porsche, Jaguar and BMW models.

Auto insurance rates are fueled by claims costs, Insure.com said. Drivers of vehicles that have few claims and less expensive repair parts benefit from lower insurance rates. Conversely, high insurance rates are an indicator of frequent crashes and expensive repairs. See the rankings and survey methodology below.

The top 20 least expensive 2013 vehicles to insure:

Rank

Make & Model

Cylinders

Avg. annual
premium

1Ford Edge SE4$ 1,128
2Jeep Grand Cherokee Laredo6$ 1,148
3Subaru Outback 2.5i Premium4$ 1,150
4Kia Sportage4$ 1,157
5Jeep Patriot Sport4$ 1,160
6Chevrolet Express 15008$ 1,171
7Subaru Outback 3.6R6$ 1,180
8Hyundai Tucson GLS4$ 1,189
9Ford Explorer6$ 1,197
10Hyundai Tucson GL4$ 1,204
11Dodge Grand Caravan SXT6$ 1,206
12Ford Transit Connect XLT Premium4$ 1,210
13Chevrolet Equinox 1LT4$ 1,210
14Honda Odyssey EX-L6$ 1,217
15Jeep Compass Sport4$ 1,217
16Kia Sorento LX (2 WD)6$ 1,222
17Nissan Pathfinder S6$ 1,224
18Chevrolet Equinox 2LT6$ 1,235
19Honda Fit4$ 1,235
20Kia Sorento LX (4 WD)4$ 1,237


The top 20 most expensive 2013 vehicles to insure:

Rank

Make & Model

Cylinders

Avg. annual
premium

1Mercedes-Benz CL60012$ 3,357
2Mercedes-Benz CL65 AMG12$ 3,330
3Mercedes-Benz S65 AMG8$ 3,221
4Mercedes-Benz SL65 AMG12$ 3,207
5Mercedes-Benz CL63 AMG8$ 3,184
6Mercedes-Benz S60012$ 3,158
7Mercedes-Benz SL63 AMG8$ 3,075
8Mercedes-Benz S63 AMG8$ 2,978
9Porsche 911 Turbo6$ 2,958
10Porsche 911 Turbo S6$ 2,925
11Porsche Panamera Turbo8$ 2,912
12Mercedes-Benz CL550 4Matic8$ 2,897
13Jaguar XKR (convertible)8$ 2,822
14Jaguar XKR (coupe)8$ 2,756
15Jaguar XK8$ 2,684
16BMW 650i8$ 2,681
17Mercedes-Benz SL5508$ 2,671
18Porsche 911 Carrera 4S6$ 2,642
19Mercedes-Benz S5508$ 2,640
20Porsche 911 Carrera S6$ 2,626

 

Survey methodology

Insure.com commissioned Quadrant Information Services to provide auto insurance rates for more than 750 car models from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state. Rates were not available for all models, particularly exotic cars.

Annual rates shown are based on insurance for a single, 40-year-old male who commutes 12 miles to work each day, 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 coverage. The hypothetical driver has a clean record and good credit.

The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Actual rates will depend on individual driver factors.

Insure.com provides the rankings as a resource for car owners and buyers to see how their vehicles may be affecting their insurance bills. A searchable tool on the website lets users see national or state average rates for more than 750 models.


See last year's rankings for 2012-MY vehicles here.

Twitter Facebook Google+

Comments

Please note that comments may be moderated. 
Leave this field empty:
 
 

Fleet Incentives

Determine the actual cost of owning and running a vehicle in your fleet. Compare vehicles by class and model.

FleetFAQ

Fleet Tracking And Telematics

Todd Ewing from Fleetmatics will answer your questions and challenges

View All

 

Fleet Management And Leasing

Merchants Experts will answer your questions and challenges

View All

 

Sponsored by

A professional who manages a fleet of vehicles, either directly or by working with an outside organization.

Read more

Up Next

More From The World's Largest Fleet Publisher