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5 of the Most and Least Expensive Cars to Insure

Posted in General by Frank | October 12th, 2010 | 29 Responses |

Car shopping is a breeze, right? Once you get past the pushy salespersons, APR, sticker price, trade in value, credit checks, negotiating, test drives, purchase packages, add-ons, extras, warranties, finance office, document signings, co-signer, and the overwhelming regret you feel the moment you leave, it’s a day at the beach.

If all that wasn’t bad enough, there’s one more thing you forgot to consider in your endless effort to buy the right car: insurance prices. It can be difficult, at times, to find insurance because not all cars are insured the same. You might be a good driver in a minivan or in a Camaro, but insurance companies want to charge you like you’re different. Before you get home and have an aneurism from the shock of talking to your agent, we’re going to save you some time and effort. Here now are the five most and five least expensive cars to insure.


5. Scion tC?

If you’re not familiar, Scion is Toyota’s offshoot brand. It appears to be the hot buy for people who love the show “Pimp My Ride” but don’t have the money to get an aquarium in the backseat. It’s a fully customizable car that doesn’t even come with a CD player included. So how can this car cost so much to insure? The driver. It’s reported that most of the drivers are under the age of 25, making this trendy and hip car a real drain on the beer budget.

4. Mitsubishi Lancer

If you bought this car you did so for one of two reasons:

1. You have seen the Fast and the Furious over 100 times and it only gets better.

2. You decided to start a gang of Asian car thieves and you needed the perfect car to do it in.

The other possible explanation is that you are just a young driver who knows driving a Ford Focus isn’t sexy enough when you pull up at the clubs. Either way, a young driver buying a Lancer is going to be paying through the nose on insurance. It’s hard to start a gang of car thieves when you’re dumping all your money over to Allstate.

3. Hyundai Tiburon

Here’s the idea behind the high price of the Tiburon: most of the people driving a Tiburon are more concerned with the condition of their eyebrows than they are about the condition of the road. They could tell you who’s headlining Lollapalooza, but not the speed limit in a residential area with no signs posted. The Tiburon is expensive because of the way people drive it. It has a high collision rate, so it’s going to cost you a pretty penny if you want to check out your brows in the rear view mirror.

2. Subaru Impreza WRX 4WD

If you are reading this and you own an Impreza, tell me the miles per gallon it gets. Ok, tell me about the safety features. No? Didn’t think so. If you’re driving an Impreza then your biggest concern is that your Mac has been acting up, or you haven’t been able to post comments on the wall of your Facebook Group “I Know All The Words To ‘It’s The End Of The World As We Know It.’” You’re not thinking about all the accidents that happen as a result of poor driving. Mostly because you’re a part of that bad driving and your car insurance reflects it.

1. Cadillac Escalade EXT 4WD

So how is a car that isn’t owned by twenty something’s the most expensive car on the market? The answer is theft. The fact of the matter is that no self-respecting car thief(even in the aforementioned Mitsubishi gang) is going to be looking to steal your 1995 Honda Civic, even if it does have the awesome tape deck—CD player combo that was all the rage when you bought it. They are going after big money, and the Escalade is that. An insurance company can find money in their change purse to reimburse you for the loss of your ride, but the Escalade will set them back quite a bit.


5. Buick Rendezvous

You know why this car is so cheap to insure? Well, who do you know under 85 who willingly drives a Buick Rendezvous? No one. Except for that one kid who everyone beats the hell out of, until he ends up being more successful than everyone else. Its drivers are older, more cautious drivers, making the insurance rates much lower on these boats.

4. Subaru Outback 4WD

You have never had conversation, nor heard a conversation that has started: “So I was drag racing with my Outback, and….” Never happens. It’s a car you buy when you know you are old, but you don’t want to look old. You buy the car and everyone knows you’re old, but they appreciate your effort.

3. Honda Odyssey

Once again this is a car that comes down to maturity level. You never hear a story from an Odyssey owner that ends with “so I get so tanked and I end up in some guys bed….I think we’re married cuz I have a tattoo of a snake now on my hand.” If you are driving an Odyssey you are not reckless. You are responsible. Responsible people pay less for their insurance.

2. Buick Rendezvous 4WD

This one is even less cool than the aforementioned Rendezvous. It’s cheaper because it will not only prevent you from ever getting anyone to think of having sex with you, but it will handle better in the snow and be safer for you altogether. If you were bored by this description, you now know why it’s cheaper to insure.

1. Ford Focus

Remember when Ford used to be the poster child for broken-down ugly cars? Now they are the poster child for safe and boring, ugly cars. The Ford Focus will get you where you want to go and impress no one along the way. That’s the definition of an easy to insure car.


Whether you’re a high-roller or just irresponsible enough to need the best at any cost, these most expensive cars are options for you. For more pragmatic people, the least expensive cars on this list will save you big bucks, and prevent your car from being an interest of thieves and charlatans. Either way, you now know what you’re getting yourself into before you call your insurance agent.

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29 Responses

  1. a says:

    the new impreza WRX gets 19 city and 25 hwy, the STI is even worse. they get standard traction, ABS, etc. but of course i don’t own a WRX…

  2. Set says:

    Guess I’m going to rally a Focus, now. Bye bye Lancer & Subi.

  3. SNAK3 says:

    I’ve came across an odyessy owner who wasn’t completely responsible….. he tried to race me at a stop light…… and won. I was in a 95 cutlass :(

  4. eddie_357 says:

    95 civic “bubble” hatch – very popular tuner car.park in the wrong spot it will be gone in 60 seconds.

  5. 98dsmgs says:

    awesome article but pictures??

  6. cyto says:

    what Mitsubishi Lancer…

  7. FreemanXtreme says:

    lol, most of those pictures are so outdated. I own an Impreza 2.5 RS and laughed when you mentioned owning a mac…since I am an Apple fanboy. But yeah, my car gets crappy gas mileage… because of the way I drive.

  8. Focus says:

    Sorry, but the Focus does turn heads.
    It’s a good looking car. Not the 2008 model, mind you, but the 2011 and 2012 models look great (not too shabby performance either).

  9. Dan says:

    Actually, the 95 Honda Civic was just proven to be the #1 most stolen vehicle for last year. Not because its an awesome car, but because there is a high demand for older parts. Guess the insurance is lower only because most of them are probably POSs by now/always have been.

  10. John says:

    Boy, your opinions are about as dated at the pictures you included in your article. But, go ahead and cling to them, they make for hilarious reading!

  11. Shaytu says:

    As a previous owner of a 95 Honda Civic Hatchback and victim of 2 car thefts within a year, I disagree that these cars don’t get stolen! Another commenter pointed out that it was one of the top stolen cars. This is because the large tuner market makes it all too easy to part out a car.

    Now I own a Subaru Impreza WRX STI and yes, the gas mileage is poor at best. But if you’re not buying a STI because of fuel efficiency or cost to insure, then you are not in the market for this car anyways. You simply can’t beat the practical performance of an STI! Plus Impreza’s are one of the most reliable cars on the road.

    Then again I prefer Windows, so maybe I’m not a normal Impreza driver. It’s funny to see Subaru has both one of the least expensive and most expensive to insure.

  12. Brian Cones says:

    I used to drive a focus. i absolutley hated that car. when i traded it in for another car i chose a Subaru Impreza WRX. My Car insurance dropped by 12 dollars. They way you drive can actually make a big difference. im 22 btw

  13. Chris says:


    I’m going to bet a Bugatti Veyron would cost more to insure than any of those cars on the expensive list.

    What is this, expensive cars to insure if you are broke and have no taste and are an american idiot?

  14. DG says:

    Do you have any data to back up these insurance claims? How are you calculating the most and least expensive?

    To me this article is useless without the background on how the rankings were reached.

  15. iLikeEggs says:

    Honda Civic “gone in 60 seconds? Not because of the “used parts” market but because any idiot-level-101 car thief can start it with a Q-tip.
    Bonus if it’s maxed out in “fart car” motif.
    Idiots and their fart cars…lol! They’re so pretty.

  16. ACLS says:

    Heh, here in Portland, the Subaru Outback is one of the most common cars on the road, driven by pretty much everybody. Not only would it not hurt your chances of getting laid, but it’s got that big nice trunk space!

  17. Bill Leeper says:

    I own an Odyssey and a 12 passenger Express. (Big family). I was really surprised at how cheap the insurance was on the Odyssey, not surprised it’s on the list, not only is it a favorite of families, but it’s resale is high as well making it out of reach for low income high risk buyers. As for the 12 passenger only really conservative people have big families these days and need a vehicle this big. Plus they are cheap. Cost almost half what my Odyssey did.

  18. Drew and not u says:

    I did race my outback at a Rallycross event!

  19. AC Slater says:

    My 2003 WRX had the cheapest insurance of any car I’ve owned…. Cheaper than 2 Wranglers and an Infiniti G35 Coupe…

  20. Tambra2006 says:

    I love my Tiburon…….Sure my insurance went up $105 per YEAR when I purchased it. It is also 5 years newer than my previous car, My savings in gas, maintenance and oil are more than $105 a month. Not to mention that it looks and drives great! This article makes us sound like a bunch of idiots if we drive one of these vehicles. But I certainly did my home work prior to buying my Tiburon, but don’t worry, I have no plans to grown a unibrow!

  21. Will says:

    I drive a 2005 plain-jane ford ranger and still pay $200 a month for insurance just because I’m 22.

  22. Anon says:

    I have a WRX. My insurance costs less on that than my Dodge 1500, which is 2 years older and has a few less miles. I also get roughly 25 miles to the gallon, that is with AC running and stomping the gas when I please.
    I also seem to recall Subaru has pretty high rankings when it comes to safety.
    Here’s the ranking for the 2010 editions. If you notice, nearly every rating is 5 stars. Maybe you should research a little more next time.

  23. bob says:

    I have an 09 WRX and the insurance is only a few dollars more than my wifes 06 Ford Escape.

    This list is absolutely BS.

  24. SP says:

    The writer of this post is extremely misinformed about the WRX. You want to know about safety features? Here are a few from MotorTrend’s site –

    • Electronic Stability Control
    • 4-Wheel ABS
    • Daytime Running Lights
    • Child Seat Lower Anchorage
    • (seatbelt) Pretensioner
    • Energy Management Feature
    • Advanced Air Bag Features
    • Side Airbag – Front
    • Head Airbag – Front
    • Tire Pressure Monitor

    Also, he failed to differentiate between the Impreza, WRX, and WRX STI. You can’t exactly use those model names interchangeably. This is reflected in the insurance premiums.

    For the record, I have been a proud owner of ’03 WRX since it was released that year. My insurance premiums have been very reasonable.

  25. Thom says:

    Sincerely, a woeful article.
    Did the author type with the intent to insult consumers of these vehicles, or was that a coincidence? A BMW M3 can get better mileage than a Prius*. It’s the way you drive, not what you drive. Frank needs to do research before spouting such nonsense. Furthermore, if you think the insurance rate is too much on a vehicle then you simply can’t afford it. You don’t have to whine about it (or write a shabby piece). Make more money!

    *Source: Top Gear. A program any car enthusiast should watch.

  26. […] Posted by 5 ltr. beater see below…… Insurance would probably be cheaper. __________________ FSM […]

  27. […] how is a car that isn’t owned by twenty something’s the most expensive caron the market? The answer is theft. The fact of the matter is that no self-respecting car thief(even […]

  28. Anne says:

    I always love Mitsubishi Motors especially the Lancer since you can modified it in many ways. I suggest for those people who want cars to be sporty and cheaper in way got for Mitsubishi Lancer and you can get it at http://www.carfinderservice.com and with the help of http://www.autofinancing.net/ if you have financial problem to own one.

  29. Ha, I laugh because I’m old, and drive an Outback. It’s so true though, I didn’t want to seem too old and buy a Buick!