These Are 2019’s Cheapest And Most Expensive Cars To Insure

If you care about insurance premiums and would rather pay as little as possible on an yearly basis, then the entry-level 2019 Honda Odyssey LX is the car for you.

According to Insure.com, which went and pulled quotes from six major insurance companies and averaged the premiums, the Odyssey ranks as the least expensive car to insure this year, whereas the 2019 Nissan GT-R supercar sits at the opposite side of the spectrum.

Least expensive to insure

The Odyssey costs just $1,298 per year to insure, which is $514 less than the national average of $1,812. While this is good news for Honda minivan owners, the fact remains that since 2010, insurance costs have gone up nation-wide. Nine years ago, the Odyssey cost $1,095 to insure – $203 less.

“This popular minivan is family-oriented, meaning most owners drive with plenty of caution. This keeps the claim history relatively inexpensive – scrapes and scratches, not costly crashes,” says KBB executive editor Michael Harley.

Honda actually had three other models star in this category, with the HR-V LX at no.5, the CR-V LX at no.6, and the Fit LX with Honda Sensing at no.14. Jeep also had a total of four, with the Wrangler Sport in 2nd place, the Renegade Sport in 7th, the Compass Sport in 10th and the Cherokee Latitude in 15th.

“The Jeep Wrangler is the iconic off-road vehicle, which implies a rugged lifestyle. However, most Wranglers don’t spend a lot of time off the pavement, so they are spared the rough service life. When they do get damaged, the body-on-frame vehicle is easy and inexpensive to repair, and parts are plentiful,” said Harley.

Next in line was Subaru, which occupied a total of three spots on the list. The Outback 2.5i came in 3rd, the Forester 2.5i was 9th and the Crosstrek finished 12th. The fact that they come loaded with active safety features definitely helps keep insurance costs low.

“The Subaru Outback 2.5i combines sure-footed all-wheel drive with a strong blend of ride comfort and handling prowess. Subaru’s well-rated EyeSight suite of accident-avoidance technologies are now standard for 2019, meaning drivers who choose the base model still get the safety essentials,” stated Cars.com Senior Editor, Kelsey Mays.

Mazda then claimed 4th place with the CX-3 Sport, while the CX-5 Sport brought home an 11th place finish.

From the story:

“While SUVs and CUVs were the big winners this year, a couple of pickups also made the cut. The Nissan Frontier S tied for 15th place, the exact spot it was in last year. The GMC Canyon SL dropped to 19th (from 14th last year).

All of these vehicles are a bargain to insure but insurance prices have definitely gone up from last year. Our cheapest option, the Odyssey, costs $1,298 to insure compared to the last year’s top choice, the Jeep Wrangler, which ran $1,169. This is an 11 percent increase. The Jeep Wrangler saw a significant rate increase, going from $1,169 to $1,304, a jump of $135 or 11.5 percent.”

“Vehicles on the least expensive list tend to be driven by families, which means more mature driving and perhaps because the inside may be a bit of a locker room for their kids the car owner isn’t worried about exterior small scuffs and doesn’t make claims for minor items,” argued Penny Gusner, Insure.com consumer analyst.

Most expensive to insure

As you would imagine, the most expensive cars to insure in 2019 are cars that are inherently expensive to purchase, which is why manufacturers such as Mercedes, Porsche, BMW, JLR and Tesla dominate this list.

However, it’s a Nissan that currently stands no.1 – the almighty GT-R supercar, at an average rate of $3,941 per year.

“Nissan’s fastest vehicle is race-ready right out of the showroom – many owners literally track them. As expected, high insurance rates mirror their aggressive service life and likelihood to be involved in an accident,” says Harley.

Of course, the GT-R isn’t the only fast car on this list, with plenty of models here than can break 200 mph (321 km/h).

From the story:

“When you move into this price range, your premium is definitely headed up. Insurers factor in the price of your car when setting a premium because they may have to help buy you a new one if it is destroyed by a covered peril or accident (as new cars should always carry collision and comprehensive coverage).”

Trailing Nissan is a slew of German premium automakers, with Mercedes, BMW and Porsche filling out the top 10. The second most expensive car to insure is the Mercedes-Maybach S650 at $3,917 per year, followed by the Porsche Panamera at $3,887 and the Mercedes-AMG GT R at $3,751 – the latter being yet another track-ready supercar.

We are however surprised to see that it costs more to insure a BMW M6 Gran Coupe than it does a Porsche 911 GT3 RS.

Factors that influence premiums

Most insurers will take into consideration factors such as your credit score, driving record, location, gender and age, type of vehicle, repair costs and claim rates. So if you’re shopping for a car this year, don’t forget to look up the insurance quotes.

Note: The averages are based on full coverage for a single 40-year-old male who commutes 12 miles to work every day.

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