10 Most and Least Expensive Cars to Insure

2 Pontiac Montana

3 Saturn L Series Sedan

4 Chrysler PT Cruiser

5 Saturn L Series Wagon

6 Chevrolet Venture

7 Chevrolet Astro

8 Saturn Vue

9 Jeep Wrangler

10 Oldsmobile Bravada

What's the Fastest You've Taken It?

If you drive a high performance vehicle with more horsepower than General Washington's Army, insurance companies have no other choice but to assume that you will use it and practice riskier driving. Should you get into an accident, regardless of fault, the cost of returning your vehicle to its original condition can be extraordinary- even for a seemingly innocuous fender bender.

Bigger is Safer, But Cause More Damage

Although SUVs, large trucks, and other large road warriors might be safer than compact cars in accidents, they tend to foster a more expensive liability coverage rate given the fact that they inflict more damage than most standard cars in accidents. On another note, there are still many SUVs that have inherent safety flaws in their design, specifically with rollover tests. Accordingly, insurance companies share these additional financial risks onto the driver in the form of higher premiums.

Car Insurance Companies Love Family Cars

Cars that are particularly associated as "family cars" tend to have lower insurance premiums. These types of cars include minivans, family sedans, and station wagons. Cars that are used primarily to transport a family are generally involved in fewer accidents, due to safer driving habits associated with those who transport family members.

It Doesn't Matter Which List You're On: Don't Over-Pay for Car Insurance