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

In its annual survey, Insure.com ranked the most and least expensive 2013-MY vehicles to insure. The 2013 Ford Edge ranked No. 1 as the least expensive, while the Mercedes-Benz CL600 took the top spot as the most expensive.

by Staff
January 17, 2013
4 min to read


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.

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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

1

Ford Edge SE

4

$ 1,128

2

Jeep Grand Cherokee Laredo

6

$ 1,148

3

Subaru Outback 2.5i Premium

4

$ 1,150

4

Kia Sportage

4

$ 1,157

5

Jeep Patriot Sport

4

$ 1,160

6

Chevrolet Express 1500

8

$ 1,171

7

Subaru Outback 3.6R

6

$ 1,180

8

Hyundai Tucson GLS

4

$ 1,189

9

Ford Explorer

6

$ 1,197

10

Hyundai Tucson GL

4

$ 1,204

11

Dodge Grand Caravan SXT

6

$ 1,206

12

Ford Transit Connect XLT Premium

4

$ 1,210

13

Chevrolet Equinox 1LT

4

$ 1,210

14

Honda Odyssey EX-L

6

$ 1,217

15

Jeep Compass Sport

4

$ 1,217

16

Kia Sorento LX (2 WD)

6

$ 1,222

17

Nissan Pathfinder S

6

$ 1,224

18

Chevrolet Equinox 2LT

6

$ 1,235

19

Honda Fit

4

$ 1,235

20

Kia Sorento LX (4 WD)

4

$ 1,237


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The top 20 most expensive 2013 vehicles to insure:

Rank

Make & Model

Cylinders

Avg. annual
premium

1

Mercedes-Benz CL600

12

$ 3,357

2

Mercedes-Benz CL65 AMG

12

$ 3,330

3

Mercedes-Benz S65 AMG

8

$ 3,221

4

Mercedes-Benz SL65 AMG

12

$ 3,207

5

Mercedes-Benz CL63 AMG

8

$ 3,184

6

Mercedes-Benz S600

12

$ 3,158

7

Mercedes-Benz SL63 AMG

8

$ 3,075

8

Mercedes-Benz S63 AMG

8

$ 2,978

9

Porsche 911 Turbo

6

$ 2,958

10

Porsche 911 Turbo S

6

$ 2,925

11

Porsche Panamera Turbo

8

$ 2,912

12

Mercedes-Benz CL550 4Matic

8

$ 2,897

13

Jaguar XKR (convertible)

8

$ 2,822

14

Jaguar XKR (coupe)

8

$ 2,756

15

Jaguar XK

8

$ 2,684

16

BMW 650i

8

$ 2,681

17

Mercedes-Benz SL550

8

$ 2,671

18

Porsche 911 Carrera 4S

6

$ 2,642

19

Mercedes-Benz S550

8

$ 2,640

20

Porsche 911 Carrera S

6

$ 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.

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