The most expensive cars to insure in 2014

Auto News | By Jeffrey Steele, Insure.com

We know that fast, sporty, high-performance vehicles cost more to insure, but we often buy them anyway.

No one buys an expensive sports car for a leisurely Sunday drive after church. They're built to travel in a blur, which is often the precursor to crumpling sheet metal. Their awe-inspiring speed is matched only by their gasp-inducing insurance rates.

Insure.com's annual rankings of the most expensive vehicles for insurance are always powered by offerings from BMW, Mercedes-Benz and Jaguar. (See the 2014 rankings for the least expensive cars to insure and car insurance rates by state.)

This year's list is topped by a beast whose nickname derives from a 1950s-era horror flick, "Godzilla." What could be more blood-curdling than owning a car with the most expensive insurance rates in the 2014 model year? It may be that shelling out well in excess of $100,000 for a car blinds many to the insurance premiums.

This year's rankings have "a lot of vehicles that are just the opposite of a family car," says Mark Takahashi, auto editor for Santa Monica, Calif.-based Edmunds.com. "They're for wealthy people who like to go fast. They're aspirational and firmly rooted in entertainment. And all of them are insanely fun."

The problem with insane fun is that many drivers get into trouble fast, says Takahashi.

For instance, the Mercedes-Benz SLS AMG, at No. 4, "is a tricky car to drive. It comes with a lot of electronic driving aids, such as electronic stability control and traction control. But if the driver is overconfident and turns off those features, bad things can happen very quickly and significantly. That's because the car is very fast, and performance cars on the whole are designed to be a little twitchy and very responsive."

Edmunds had a Mercedes SLS AMG in its fleet for months and Takahashi drove it many times. A veteran of racing school, he never felt confident enough to turn off the safety features. "It's very rewarding, and made me feel like a million bucks," he says. "But I didn't want to be the one to bend that car."

The No. 1 most costly vehicle to insure is so flat-out over the top that its nickname is Godzilla. The $115,000 Nissan GT-R Track Edition has all-wheel-drive, twin turbochargers that help its V-6 engine develop 545 horsepower, massive brakes, a trick dual-clutch automated manual transmission and an array of electronics to customize steering, suspension and brake settings.

Takahashi calls the Nissan GT-R "an affordable supercar." The GT-R was developed for people who desire an exceptionally high level of performance, and who might be taking it out on the race track now and again. "It was developed for the race track," Takahashi says. "And while it's not as tricky as the Mercedes SLS, because it has so many features working constantly to keep it on the road, it is blindingly fast."

The most expensive cars to insure in 20143. Mercedes-Benz CL550 4Matic AWD
Try 190 to 200 mph. At those speeds, drivers without racing school experience are in over their heads, he says.

John Pearley Huffman, who writes on autos for Car & Driver and the New York Times, has also driven Godzilla. "It's an extremely specialized car," he says, that's "sold in extremely small numbers and goes to a dedicated cadre of enthusiasts."

Huffman also says "it's flat-out brilliant to drive."

Ron Henderson is a GT-R owner in Texas. He says because Godzilla is "very easy to drive" it can inspire confidence as a driver pushes the car to its limits, which may be why so many are wrecked.

"The GT-R is a very quick car, even without any modifications, and despite the electronic aids and all-wheel drive, any car can be pushed too far."

"I believe that given the combination of a novice driver and the ease with which the GT-R can be pushed hard, you can end up with a novice driver who has no idea how to recover from what was an inevitable mistake," Henderson says.

Karl Brauer, senior analyst for Kelley Blue Book in Irvine, Calif., says sales of high-performance cars are heavily weighted toward a male demographic that savors aggressive driving on the street, racetrack and often both. Cars like the GT-R Track Edition represent the ultimate in mechanical capability.

"Because these vehicles are equipped with advanced drive trains and exotic exterior shapes, they cost much more to repair after things go wrong," he says.

That is, if they can be repaired.

Takahashi notes that carbon fiber is used in some of the car's body panels. The components are "lightweight and strong for their intended purpose, but they're designed to shatter on impact," he reports. "You can't repair them; you just have to replace them."

Henderson agrees the GT-R is a complex, costly car with exotic materials and compact packaging throughout. Combine carbon fiber undertrays and subframe components, low front-mounted intercoolers and aluminum body panels, and "fender-benders" don't exist in a GT-R.

"Even a minor accident could easily cost tens of thousands to repair," Henderson says. "If it is repairable at all."

Don't forget the GT-R's speed, Huffman says. This is a car that goes from zero to 60 in three seconds.

"It's a fantastic car and I believe it to be an easy-to-handle car," Huffman says. "But the consequences of screwing up at 150 mph are radically different than screwing up at 50 mph."

Maybe the GT-R is still an insurance bargain at No. 1.

Takahashi, for instance, feels if a buyer has the money to buy a GT-R or other cars on the "most costly" rankings, they shouldn't have a problem with $4,000 to $6,000 for insurance.

"Sports cars and exotics are bought because they're raucous and fun," he observes. "It takes a level of affluence and skill to own and drive one of these. But as for their insurance being too expensive, I don't think it is, based on the expense of the cars themselves."

Methodology: Insure.com commissioned Quadrant Information Services to provide average auto insurance rates for 2014 models. Averages were calculated using data from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state. Not all models were available, especially exotic cars. More than 850 models are included in the 2014 study. Averages are based on full coverage 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. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on personal factors.

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The most expensive (and cheapest) States for car repairs

Paul A. Eisenstein Detroit Bureau
Justin Sullivan / Getty Images FileMechanic Harrison Garcia is working on a Ford Mustang brake and wheel Service Center in San Francisco, California on January 5, 2009

When the "check engine" light, there is a good reason to get worried. Even if it does not leave you stranded an unknown part of town after dark, it is likely to take a bite out of your savings, especially as recent research has shown that car repair costs by about 10 percent in the previous year.

This means, of course, on average, which varies considerably by region. Vermont saw repair costs decline over the past year according to a new study by automotive service site CarMD, making it America's cheapest place to your car. The other extreme was New Jersey, where the typical visit to a workshop almost 50 percent more than in Vermont costs.

The West Coast is traditionally the place where repairs most expensive have been. But in its latest car repair costs annual survey, CarMD California among the top five, with the rest of the will by States on the East Coast, including the Garden State but North Carolina, Maryland and the District of Columbia.

Repairs in the Northeast increased by 11.6 per cent in 2012, faster than the rest of the country, according to a study by 161,000 repairs.

"In the year 2012, we saw a dramatic shift in the top five most expensive States for average car repairs, how many riders on the East Coast were aftermath rising car repair costs, while they at the same time with Hurricane sandy, claimed" CarMD CEO Leon Chen noted. "Car owners in many States also continue to minor repairs to postpone the cumulative failures with increased repair costs contribute to."

Apparently "Superstorm" was not only the cause of severe, flood-related damage, but led many East Coast motorists to discover other problems, the repairs required.

While New Jersey the most expensive place for repair-was at an average $392,99, including parts and workers-Washington, D.C. saw the largest overall increase in repair costs jump 20 percent in comparison to 2011

"This is the kind of repairs made due to partially" CarMD is noted. "Time-consuming repairs, costs over $1,000 were nearly 10 percent of the D.C. repairs in 2012 as compared to 7 percent in 2011, while five points GAP problems were greater gas."

Although repair costs, were broadly last year, there were a few exceptions such as Vermont. In Wyoming, she sank 17 percent on average.

Whenever you pay the service shop, you, a mechanic filed time will go. Colorado leader there with an average $150,75 per visit. Vermont had the lowest labour costs, on the average at $115.90.

If you need parts, the survey was that you probably a stiff premium in New Jersey, to an average $256,28 paid in comparison to Vermont, which had the lowest average at only $153,82.

The gap State turned out especially when it came to new hybrid vehicle technology. Battery replacement in Nevada ran an average $4.409,94 last year. Jersey motorists actually caught a break here but with the least cost to replace a hybrid battery, on average only $2.005,05.

By the way, two of the States with the lowest average cost of repairs - were found Iowa and South Dakota - in the Midwest, while two in the South or South-East, Delaware and West Virginia were arranged.

Copyright © 2009-2013, the Detroit Bureau

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World's most expensive car market is now more expensive

Rajeshni Naidu-Ghelani, CNBC.com - 7 pm.

It has some of the most expensive real estate in the world and is regarded as one of the most expensive places to live. The island owning State of Singapore is also one of the most expensive places, a car now.

Recent cooling measures for the automotive market, which include, in five years from the last 10 years with a hike in the property taxes to increase the minimum deposit for a 40 per cent plus cover area car loan, have many households from the car market price.

Although the wealthy financial capital has one of the highest per capita income in the world, there are few who can afford to buy a new car.

"It is very far off beyond my reach," said 43-year old Andy Siew, a personal trainer with a monthly household income of 12,000 Singapore dollars ($9.650). "Each couple earn within this area cannot afford to buy a new car now."

According to Mohit Arora, Asia-Pacific executive Director at market research company J.D. power and Associates, Singapore is the world's most expensive car market.

"The average price for a Toyota Corolla on the US website, Web page can look at Indian and Chinese website and you can view it in Singapore websites. "I think it not everything is left to discuss is", he told CNBC.

Before the recent moves, the cost of buying a car in Singapore was already very high in comparison to other developed economies. All new cars sold are a property tax of at least 100 percent of the cost price. Additionally, if you have a car in Singapore wants a certificate of entitlement (COE) first, get that gives the right to possess, and a car for 10 years. The measure was introduced to limit the number of cars in the city, which has an area of only 276 km.

The average cost of buying a COE is currently around 87,000 Singapore dollars ($70,000). The COE, walks for example total an average sedan such as a Toyota Corolla Altis to almost $120,000 in Singapore, compared to neighbouring Malaysia the same car starts sold for about $34,000. The latest Corolla models in the United States start at about $16,000 and $20,000 in the UK

Prices from buyers
"Everywhere in the world is owning a car to get the announcement to a special status in society." I think that this will be more difficult for an average Singaporean,"said Arora.

Car buyers who feel due to the latest curbs by the Government are even at the top end of the market.

A seller in a luxury car dealer in Singapore, so as not to be identified, CNBC said, since the measures were introduced last week, it was a "really uphill task" always to find buyers.

"The General mentality is out if I in cash--100,000 Singapore dollars I wouldn't fork at the moment, that much for a car, perhaps a property I would buy," said the salesman at the dealer of high end cars, where average prices hover around 200,000 Singapore dollars.

While the Government latest movements attempt, household credit risk, as well as additional taxes of Singapore's more than reduce 965,000 car population, marginal even it is buyer, squeezing according to Vishnu v, market Economist at Mizuho Corporate Bank.

"The hit among lower income households less likely 50,000 Singapore dollars, to buy an average car are likely to be higher on lower income households a disposable,", said v. "Probably, quality of life of the population fell in the light of all the transport problems we see."

Singapore offers the world-class infrastructure, but as the population of the city of 4.2 has 1 million in just 10 years, has led to overcrowding on trains, buses and on the streets. The Government plans to increase the city transit system to less incentive for the drive, but said analysts until these enhanced services are available, it is located on the mobility of people.

"Our transport system is not just so well, the infrastructure not right now us food," said Siew, lives in the northeastern suburb of Singapore. "The trains and buses are not punctual, and taxis are so hard to find, sometimes, especially for rainy days and peak hours."

Owning a car for some will be the burden for the city transport system increases have more than a luxury.

Forty-year-old Mike Tan, who is much a salesman to travel, is relieved that he a month ago a new car purchased, before the tightening torques introduced measures.

"If the policies in force, before I have my car changed, I probably my old car my COE, would have kept to the end", Tan said.

Siew was but not so good luck. He would have the "luxury" of a new car to replace his 7-year-old Hyundai Avante as is COE on it in three years and will renew him more than $72,000. But now he can even on your own car across to give up.

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Most expensive truck of the year 2012

MBUSA.com

At $134.300, a copy of that Theturbocharged monster size G63 AMG Mercedes-Benz is one of the most expensive passenger truck on the market.

Ferruccio Lamborghini, founder of the high performance car company that bears his surname tractors built, before he built sports cars. So it should wait a surprise, the Lamborghini in a sport utility vehicle, which has been working Urus, now that in the prototype stage on green light for production. Bentley has a truck in the works also the EXP 9 F concept. Even Maserati has announced that the elusive Kubang (or something similar) to build. Luxury has been shed for many years in the SUV and pickup truck arena, and it doesn't seem that high fuel costs or economic miserable interest in feature-laden trucks with large price tags are cushioning. We have the facts and figures saw, and we have compiled a list of the most expensive truck of the year 2012.

When we use the word "Trucks", we mean pickup trucks and full-size SUVs. We have compiled the top five most expensive full-size SUVs and the five most expensive pickup trucks for this list of the most expensive truck of the year 2012. We as vehicles based on the manufacturer's recommended list price, not including destination fees, transport, merchant fees, taxes or licensing. If a set of options, such as a diesel engine and its transmission, increased the retail price, we include, we also trim level packages. We are not in an accessory or other add factor - all cars on this list are very well equipped, such as price, but prices could easily explode if all options and dealer installable features have been selected (Lama fur tonneau cover, anyone?).

The overwhelming "winner" the most expensive truck is the Land Rover Range Rover autobiography Ultimate Edition, which tips the cash at $170,000 scales. Only 500 examples V-8 engine will be built this year complete with all usual range Rover features such as a 510 Northshore power, which makes all worldly materials of the Interior and other luxury appointments. The ultimate get trim a leather roof lining, teak wood and Kalahari, polished steel fittings, an iPad in the back of the Front headrests, integrates special colours and multispoke 20-inch wheels.

The Mercedes-Benz G63 AMG is based on the 33-year-old gel in de car design. Mercedes-Benz Division performance, AMG, has done his magic on the G-class, amplified already expensive a $113,000 G550, Turbo $134.300 monster on wheels, powered by a 536 Northshore power 6.3-liter V-8. AMG starts with a G class shell, then puts in his own hand built engine, which is signed by the single man, the it in the Affalterbach handmade. There is even a O34 AMG in other parts of the world, a V-12-engine off roader, which out 612 Northshore power, enough to power over nearly every car park brings shopping centre.

The RAM 3500 crew cab Laramie limited 4 ? 4 managed to the pickup truck price list at $61.030 7-litre turbo-diesel engine option up with the Cummins-6,. The Cummins Engine is a common rail diesel with six-cylinder in-line engine - creates a well-tested design, the 350 HP and 650 pounds-feet of torque. All the other trucks on the list use V-8 engines, with the exception of the Ford F-150 limited Super crew 4 x 4 ($52.455), with Ford 3.5-liter V-6 EcoBoost engine fuel burn equipped is. Heavy duty pickup trucks are exempt from having to show EPA fuel economy reviews (so far), but be assured that the large 3500 Series pickup fuel burns in very fast rates, most likely from the low teens.

Luxury and utility be not cheap. Put them together, and you get our list of the most expensive truck of the year 2012.

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The most expensive luxury cars to own

Lintao Zhang / Getty Images file

After depreciation, finance interest, insurance, fuel costs and maintenance over five years, the Mercedes SLS AMG's true cost of ownership during those years is nearly a quarter million dollars.

By Michael B. Sauter, 24/7 Wall St.
The cost of a luxury automobile does not end with its purchase price — it begins there. The true ownership costs are often much greater than what customers perceive, after repairs, insurance, interest and other expenses are taken into account. For example, an Audi R8 has a price tag of slightly more than $170,000. After five years, the costs of ownership of the R8 are an additional $193,500 on average. 24/7 Wall St. has examined the true cost of ownership, based on Edmunds.com calculations, for 2012 models sold in the United States, identifying the 10 cars that cost the most to own.

According to the Census Bureau, the median American home costs $221,800, and the median household income is slightly more than $50,000. These should provide some perspective to the cost of buying and maintaining the vehicles on our list. The purchase prices of these cars range from $91,000 to more than $210,000. And the true costs of owning the cars for five years range from $117,000 to more than $245,000 — on top of the purchase price.

A large component of these extreme true costs of ownership is the luxury vehicles’ steep depreciation in the first five years. These 10 models are projected to lose anywhere between 27 percent and 47 percent of their value in their first half-decade on the road, leading owners to lose between $56,000 and $153,000 in depreciation alone.

While depreciation is a big part of these expenses, it is far from the only major expense. Several direct costs, including repairs, maintenance, insurance and fuel charges, can cost a driver more than $10,000 for each expense category during the first five years.

As gas prices approach $4 per gallon, fuel costs are increasingly becoming an issue — even for some of the wealthiest drivers. Each of these cars, because of their status as high-end vehicles with high-end engines, has terrible gas mileage. The most fuel-efficient car on our list gets 20 mpg. Six of the 10 get 17 mpg or less. Over a five-year period, the owners of these cars will have each paid at least $15,000 in fuel costs.

This list is based on True Cost to Own figures, which were provided by Edmunds.com. 24/7 Wall St. also included fuel economy data from the U.S. Department of Energy, U.S. registration totals from Edmunds.com, and quality and design ratings from JD Power and Associates.

These are the cars that cost the most to own.

1. SLS AMG

Make: Mercedes-Benz Style: 2-door coupe (6.2L 8cyl 7AM) True cost of ownership: $245,469 Purchase price: $210,875 Combined (city and highway) mpg: 16
The Mercedes-Benz SLS AMG, a luxury grand tourer, has been in production since 2010. Since that time, it has been the most expensive vehicle on the market. The automobile’s purchase price is more than $210,000, and is approximately $40,000 more expensive than the R8’s base price. After depreciation, finance interest, insurance, fuel costs and maintenance over five years, the car’s true cost of ownership during those years is nearly a quarter million dollars. This cost has not prevented the SLS AMG from being popular; total registrations of the automobile increased from 470 in 2010 to 707 in 2011.

2. R8

Make: Audi Style: 5.2 quattro 2-door coupe AWD (5.2L 10cyl 6M) True cost of ownership: $193,429 Purchase price: $170,175 Combined (city and highway) mpg: 15
The Audi R8’s purchase price of $170,175 is more than the third-most expensive vehicle’s true cost of ownership. The two-door sports car also has the second-most expensive maintenance costs, reaching $7,370 over five years. It also has particularly high fuel costs, thanks to its 13 mpg fuel efficiency in the city. The R8 does relatively poorly by JD Powers’ standards, scoring a three out of five for both overall quality and design. Despite this, there were 1,173 registrations for the car in 2011 — the most of any year.

3. ALPINA B7

Make: BMW Style: SWB 4-door sedan (4.4L 8cyl Turbo 6A) True cost of ownership: $153,150 Purchase price: $133,445 Combined (city and highway) mpg: 17
The number of registrations of the Alpina B7 has been significantly lower than that of other cars on this list. This is more the result of a limited number of cars being imported to North America than of customers shying away from its high cost. The car’s purchase price alone exceeds $133,000. It also has among the most costly interest rates on financing and insurance. When it comes to overall quality and design, the car received scores of just three out of five in both categories from JD Power.

4. CL-Class

Make: Mercedes-Benz Style: CL550 4MATIC 2-door coupe AWD (4.7L 8cyl Turbo 7A) True cost of ownership: $142,558 Purchase price: $121,671 Combined (city and highway) mpg: 18
Mercedes spun off the CL-Class from its S-Class in 1998 to emphasize the line’s exclusivity. This is certainly reflected in the vehicle’s cost. The CL550 has the fourth-highest purchase price and finance interest. It also has the third-highest cost of maintenance. Sales of the car have steadily decreased over the years. There were more than 3,200 total registrations in 2007. In 2011, there were 980.

5. SL-Class

Make: Mercedes-Benz Style: SL550 2-door convertible (5.5L 8cyl 7A) True cost of ownership: $129,588 Purchase price: $106,718 Combined (city and highway) mpg: 17
Mercedes-Benz has been producing its grand tourer SL-Class since 1954. It was not until 2007 that the company debuted the SL550 convertible. Although it is the seventh-most expensive when ranked by purchasing price alone, it ranks the fifth-most expensive model for overall cost of ownership because of its particularly costly financing interest and insurance. Total registrations of the car have dropped dramatically from more than 5,600 in 2007 to fewer than 1,500 in 2011.

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Second-hand cars of increasingly scarce, expensive

Drivers in the market for a used car may save for a while longer to keep. New data from the National Automobile Dealers Association shows that the average price of a used drive almost 2 per cent will increase this year for an average of $11.850 for cars and $19.050 for light trucks. These higher prices come up on an increase of 3 per cent in 2011.

The most important reason is that it was simply using less cars out there. The recession prompted automakers production, slowly led to a sharp decline in the number of used cars on the market in 2010. Economic uncertainty and a weak labour market depend on their vehicles longer Americans have motivated; According to NADA, the average car on the road is now 11 years old statistics.

Climbing prices at the pump are responsible for an even bigger jump in prices for used, compact, fuel-saving cars. NADA predicts a 2.7 percent price jump in this category this year. Vice versa, may for one to receive even a bargain gas guzzler drivers; Prices of large SUVs are expected in 2012 a modest 1.4 percent increase.

The good news is that NADA of a higher new car sales for the year, predicting is so that the inventory crunch is not forever.

As the Americans finally trading in these older vehicles, which it during and after the recession on hung, NADA predictions of the 12.8 million last year sold turnover of 13.9 million new cars and trucks for 2012, an increase over. A lack of access to financing, also a brake put on used car sales; This year, NADA predicts that lenders will be more available credit. Dealers strive to keep the dynamic forecast last year when 12.8 million were sold vehicles, built so that NADA turn many incentives to the tire kickers into buyers.

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The most and least expensive cars to insure

AppId is over the quota AppId is over the quota When it comes to cheaper auto insurance, family-friendly four doors are usually your best bet. The humble though still popular Chrysler Town & Country is a sensible car that’s fairly cheap to insure. On the other hand, if imported luxury is your preferred mode of transportation, be prepared for hefty insurance premiums to go with all the trappings.

Knee-buckling beauties like the 12-cylinder Mercedes SL65 AMG can set you back a national average of $3,543.81 per year in insurance costs alone, making it the most expensive car in America to insure, according to data from Quadrant Information Services commissioned by Insure.com. Overall, European brands including Mercedes, Porsche, Aston Martin and BMW are the most expensive to safeguard.

“Repairing just one feature after a crash could cost a small fortune,” notes Insure.com of the well-stocked BMW 750i which can set you back about $3,280.70 in annual insurance fees.

Meanwhile, American and Japanese non-luxury minivans, SUVs and sedans make up the 10 least expensive cars to insure, according to Quadrant’s data. The top four cheapest cars to insure are minivans.

The four-door, six cylinder Chrysler Town & Country LX, for example, costs an national average of $1,091.80 per year to insure. The five-door, four-cylinder Toyota Sienna costs $1,100.66 per year to insure, and a similar Toyota Sienna LE costs about $1,107.70 to insure.

For comparison’s sake, Quadrant calculates average annual insurance premiums based on a single 40-year-old male driver with a clean driving record, good credit and who commutes 12 miles to work each day.

The premiums Quadrant comes up with include uninsured motorist coverage with policy limits of $100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident, plus a $500 deductible on collision and comprehensive coverage. Premium quotes come from six large insurance carriers: State Farm, Allstate, Progressive, GEICO, Farmers and Nationwide.

Of course, your own rates may vary based on your personal situation.

And insurance rates can be much higher in certain states. While one might expect that New York and California would top the list of states with the highest average auto insurance premiums, they don’t even make it to the top five.

Michigan, Louisiana and Oklahoma are the top three states with the most expensive average auto insurance premiums, according to Insure.com.

There are a couple of key reasons why Michigan holds the top spot in terms of costly car insurance according to Insure.com spokesman Emmet Pierce. “Michigan is the only state that guarantees unlimited personal injury protection payments to those who are injured in auto accidents,” plus the state includes assistance to help people with catastrophic injuries to pay for medical care, Pierce explains.

But brand and price aren’t necessarily the only factors that come into play when determining insurance premiums. Age and driving experience of owners are also a factor.

“An inexpensive car can be relatively costly to insure if it appeals to younger, less-experienced drivers who tend to get into more accidents,” says Pierce. For instance, a Kia Rio is definitely not considered a luxury car, but at $1,522, the annual insurance premiums aren’t much less than that of a Corvette two-door coupe which costs around $1,741 per year on average to insure.

According to Insure.com’s report, the popular Honda Civic and Toyota Corolla don’t make it to the list of cars that are the least costly to insure. This is largely because they tend to be entry-level vehicles popular among younger drivers who may be more likely to take risks or be distracted by their passengers.

Cars on the list of most commonly-stolen vehicles in the country according to the National Insurance Crime Bureau can also be more expensive to insure than those that aren’t on the list. Those particular cars actually tend to be older models that aren’t equipped with the sophisticated anti-theft and tracking devices that newer vehicles have.

© 2011 Forbes.com

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Most and the least expensive cars to insure

When it comes to cheap auto insurance, family four doors are usually best. The town modest, although still popular Chrysler & land is a reasonable car that is quite cheap to insure. On the other hand, if imported luxury your preferred mode of transportation, be ready to go with the insignia for high insurance premiums.

Knee buckling beauties such as 12-cylinder Mercedes SL65 AMG can you again the national average is $3,543.81 a year in insurance costs alone, so that it is the most expensive car in America to insure according to quadrant information services, which set the order of Insure.com. The most expensive are to protect a total European brands such as Mercedes, BMW, Porsche and Aston Martin.

"Repair only one feature, a small fortune could cost after a crash" again notes can Insure.com from the well-stocked BMW 750i, which you set about $3,280.70 in annual insurance fee.

In the meantime make American and Japanese non-luxury vans, SUVs and sedans of the 10 least to insure expensive cars, according to the quadrant. To assure the first four cheapest cars, vans.

Forbes.com slideshow: most and the least expensive cars to insure

The 4-door, 6-cylinder Chrysler Town & country LX, costs $1,091.80 per year to insure, for example, national average. The 5-door, four-Toyota Sienna costs to insure $1,100.66 per year, and a similar Toyota Sienna LE costs to approximately $1,107.70.

For comparison, quadrant calculates average annual premiums based on a single male 40-year-old driver with a clean driving record, good credit and who commutes 12 miles to work every day.

The bonuses include those which quadrant comes with, not driver assured coverage with policy limits of $100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for damage to property in an accident, as well as a deductible of $500 on collision and comprehensive coverage. Premium quotes come from six major health insurance: State farm, Allstate, progressive, GEICO, farmers, and nationwide.

Of course, your own prices vary based on your personal situation.

And insurance rates may be much higher in some States. While one would expect that the list of States with the highest average car insurance premiums would above New York and California, not they make five, even the top.

Michigan, Louisiana, and Oklahoma are the top three countries with the most expensive average car insurance premiums, according to Insure.com.

There are a few reasons why Michigan insurance according to the Insure.com spokesman Emmet Pierce holds the top spot of expensive car. "Michigan is the only State, the unlimited personal guarantees protection payments to those who are injured in traffic accident," as well as the State provides support for people with serious injuries explains to pay for medical care, Pierce.

But brand and price are not necessarily the only factors that come into play, if to determine insurance premiums. Age and driving owners are also a factor.

"A cheap car can relatively expensive to insure, if it appeals to younger, less experienced riders who tend to get more accidents," says Pierce. For example a Kia Rio is definitely not as a luxury car, but at $1.522, the annual premiums are not much less than in a Corvette two door coupe around $1.741 per year in the average cost to insure that.

Insure.com according to the report do not the popular Honda Civic and Toyota Corolla to the list of cars that are the least expensive to insure that. This is mainly because they tend to popular younger driver for entry-level vehicles, may be more take the risks or are distracted by their passengers.

Cars on the list of most stolen vehicles of the country according to the national insurance Crime Bureau can also more expensive than to assure that be not on the list. Certain vehicles tend to be actually older models with sophisticated anti-theft and tracking devices are equipped not, which are newer vehicles.

© 2011 Forbes.com

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