Multiple factors affect the price of auto insurance. Most people are aware their driving history plays in determining rates, but they may be surprised to know that some cars are more expensive to insure than others. A vehicle’s replacement cost, repair cost, safety rating and other factors all play a role in determining the cost of a policy. As a rule, the most affordable vehicles will be minivans, sedans and other cars associated with sensible families. The most expensive cars will be foreign-made sports cars and other high-performance vehicles.

If you’re thinking of buying a new car, be sure to consider the cost of insurance before deciding on a purchase. You can save yourself a lot of money over the life of the vehicle, and since inexpensive-to-insure cars are usually safer, you’ll be doing your family a favor as well.

Auto Insurance by Vehicle Type: Cheapest to Most Expensive


Although they’re not the most enviable cars, minivans are consistently the cheapest to insure. These vehicles are designed for families and place safety as a primary goal, and they’re often equipped with additional safety features like backup sensors. They’re also usually fairly affordable to repair and replace, making them an attractive option for insurance companies.

The cheapest car in the country to insure is generally the Chrysler Town & Country, which averages just over $1,000 annually. Of course, depending on other factors in your household, your premiums may be higher or lower than this average.


Considering their reputation as top-heavy gas guzzlers, sport-utility vehicles are surprisingly affordable to insure. One reason is that manufacturers, eager to keep customers, have put extra work into making these vehicles as safe as possible. They’re a widely popular alternative to minivans for families who want lots of cargo space without sacrificing a sporty appearance.

SUVs like the Jeep Patriot and Jeep Compass hold places in the top five least-expensive vehicles to insure. A new Jeep will cost you around $1,150 to insure, just a few dollars more a month than a minivan. Of course, not all SUVs are created equally, so be sure to check the car’s safety rating before committing.


You might be surprised to know that pickup trucks are some of the most affordable vehicles to insure. Although not as popular as SUVs and minivans, pickups are extremely useful and rugged. Part of their low cost may be that many pickups are vehicular workhorses, used on country roads or farms. With sizes increasing and fuel economy improving, however, the pickup is quickly gaining popularity as a family vehicle.

The GMC Sierra 1500 is the fifth cheapest care to insure in the country, coming in at around $1,212 per year, and many other pickups hold positions on the top 10.


A standard four-door family car, sedans are some of the most affordable and popular vehicles. To keep insurance prices down, choose one that’s American or Japanese-made and skip luxury trims. Cars with high safety ratings will cost less than those without, and be sure to choose one with a car alarm as these vehicles are often the target of thieves.

Costs vary depending on the trim, model, value of the vehicle and more, but an average cost of around $2,000 a year is pretty standard.

Luxury Vehicles

The more a vehicle costs to repair, the higher insurance premiums will be. In the case of luxury vehicles from BMW, Audi, Mercedes-Bez and Porsche, even simple repairs can cost several thousand dollars. As a rule, foreign cars will be more expensive to repair than domestic ones, and even foreign vehicles with high safety ratings will cost more to insure than similar domestics. Although a luxury SUV may be slightly more affordable than a luxury sedan, you can usually guess the cost of insurance by taking a peek at the vehicle’s price tag. Luxury vehicle insurance prices can range from $2,000 to $5,000 re more depending on the price of the vehicle and how exotic it is.

Sports Cars

High-performance vehicles are the priciest to insure. First, they’re often foreign-made, which already increases their price. Second, they can be extremely delicate, and some are made with light-weight fiberglass or other materials that can be difficult to repair. Finally, driving sports cars tends to make people more reckless, increasing their overall risk of getting into an accident.

The most expensive car to insure (outside of exotic cars) is the Audi R8 Spyder Quattro Convertible, which costs around $3,384 per year. Drivers with a history of accidents will pay even more for the privilege of driving one of these stunning high-performance cars.

Of course, at the end of the day, you’re free to buy and insure any car you want. By knowing in advance how much something will cost, you can budget accordingly. You can reduce the cost of your insurance by maintaining safe driving habits, installing anti-theft devices on your car and pursuing advanced driver’s education courses. Be sure to speak with your agent to see if there are any other discounts you may qualify for to reduce the cost of premiums further.