10 Most and Least Expensive Cars to Insure

10 Most-Expensive Cars to Insure

The 10 vehicles that account for the highest dollar amount of losses for insurance companies (starting with the most expensive) are:


Cadillac Escalade EXT 4WD
Subaru Impreza WRX 4WD
Hyundai Tiburon
Mitsubishi Lancer
Scion tC
Acura RSX
Nissan Sentra SE-R
Suzuki Forenza
Nissan Sentra/Mitsubishi Eclipse
Chevrolet Cobalt two-door

Source: Insurance Institute for Highway Safety, based on 2004-2006 models

10 Least-Expensive Cars to Insure

The 10 vehicles that account for the lowest dollar amount of losses for insurance companies (starting with the least expensive) are:


Ford Five Hundred 4WD (now the Ford Taurus)
Buick Rendezvous 4WD
Buick Lucerne/Buick Rainier 4WD/Honda Odyssey
Ford Freestyle 4WD/Subaru Outback 4WD
Buick Rendezvous/Honda Pilot
Chrysler Town & Country LWB
Honda Pilot 4WD
Buick LaCrosse/Chevrolet Uplander/Ford Escape/Volvo V70
Dodge Grand Caravan/Ford Freestyle 4WD
Ford Explorer 4WD/GMC Sierra 1500 4WD/Toyota Highlander/Toyota Sienna

Source: Insurance Institute for Highway Safety, based on 2004-2006 models

Main Types Of Car Insurance

Crashes don’t happen only with young and inattentive drivers. Car accidents take place every day with all the different people. You stopped at a traffic light behind a big vehicle that you cannot see around, light turns green, you both start, but then the car ahead of you suddenly stops because some bicycle rider jumped right in front of him. You didn’t see the bike and the stop of the car ahead was so unexpected that you run into him. Or you have to go by working mowers that you have passed safely all of your life. But this time a rock jumps from underneath one of the tractors and breaks your windshield.
Are you protected then? Do you have enough money to fix your vehicle? When unexpected happens, car insurance will protect you and help you to repair your car.
Although it is not required by federal law, all the states have minimum insurance laws that are usually mentioned even in driver’s books.
Liability coverage is required by state law minimum insurance. There are 3 types of it:
1. Property damage liability – replacement and repair of other people’s property if you are held liable for the accident.
2. Bodily injury liability covers other peoples injuries and death if you are at fault.
3. Uninsured/underinsured motorist coverage helps you in case the other driver, who caused the accident, has little or no car insurance.
You also can have other kinds of insurance which might cover you more and help to repair the car or pay for medical expenses. They are also types of insurance coverage, but not required by state law.
1. Collision covers your car repair in case of a car accident when you are liable for the accident.
2. Comprehensive pays to replace or fix your car in case of an accident caused by third party or “act of God” (vandalism, theft, hurricane, flood, etc).
3. Medical payments or personal injury protection insures any medical expenses not resulting from auto accident regardless of who is at fault of the accident.

What is the best way to get car insurance when you are moving from out of the country?

Answer :

That depends a lot on if you are military or not. USAA and Progressive are two companies that have good outside the US policies.

If you are non military / civilian, I would contact the larger carriers and find out if they also service Canada.

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