10 Most and Least Expensive Cars to Insure

Factors That Determine Car Insurance Rates

There are a handful of factors that determine how much a person pays for insurance, including gender, age, driving record, location of residence, annual driving mileage, credit scores (in most states), and most importantly, the car we drive. Although common-sense holds that the more expensive a car, the more expensive the insurance, this is not always the case. Insurance rates differ greatly between makes and models. If a car performs well in crash tests, it's not frequently stolen, and has additional safety or anti-theft devices, it will generally cost less to insure it. On the other hand, if your car is flashier, attractive to thieves, and doesn't wow anyone in the crash tests, it will cost more to insure.

10 Most Expensive to Insure

1 Lexus IS 300

2 Land Rover Discovery Series II

3 Audi S4

4 Jaguar X-Type

5 Mercedes SLK Class

6 Lexus GS 430

7 Land Rover Freelander

8 Mitsubishi Montero

9 BMW X5

10 Toyota 4Runner

10 Least Expensive to Insure

1 Oldsmobile Silhouette