Minivans and SUVs are the least expensive to insure, according to a recent study by Insure.com, largely because they are family vehicles that tend to be involved in fewer accidents compared with vehicles as a whole and sporty cars in particular. The 2011 Chrysler Town & Country was the cheapest to insure with a national average premium of $1,092 per year. The Toyota Sienna and Honda Odyssey minivans were close behind the Town & Country in insurance costs.
At the other end of the spectrum, luxury and premium-priced sports cars dominated the list of most expensive cars to insure. The Mercedes-Benz SL65 AMG, a performance version of the SL luxury roadster, and the BMW ActiveHybrid 750 topped the list at $3,544 and $3,281, respectively, a result of the much higher cost of replacing parts (or the whole car) and repairing damage after an accident.
In addition to the cost of repairs and replacement, the claims history that an insurer has with a particular vehicle will influence the cost of insuring that vehicle. If a car is involved in more accidents than is typical, insurers will charge more. Conversely, vehicles such as minivans that have fewer claims will get lower rates. The age and driving record of individual drivers are other major factors. Younger drivers pay more, as do those who have more than an occasional ticket or accident. Where you live also matters. Rates tend to be higher if you live in the central part of a major urban area as opposed to a suburb or rural area.
The Cars.com Insurance Advice section can help you determine what kind of insurance and how much coverage you need.
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