2015 Top 10 Least Expensive Cars to Insure

The cheapest 2015 models to insure include two minivans, seven sport-utilities and the tiny Smart ForTwo, according to an Insure.com ranking of the most and least expensive vehicles to insure.

The Jeep Wrangler Sport 4WD repeated its cheapest-to-insure title, with an average rate nationwide of $1,134.

Since car insurance rates vary widely by state, the same owner of that 2015 Jeep Wrangler would pay as little as $694 a year in Maine or as much as $2,027 in Michigan. A GT-R buyer in Montana would pay $6,630 in Montana and $2,012 in Hawaii.

“Insurance rates are all about claims – how many and how big,” said Penny Gusner, consumer analyst at Insure.com. “Cars that are cheapest to insure typically are easy to repair or have fewer claims or both.”

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for 2015 models using data from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 zip codes per state. More than 1,500 models are included in the 2015 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.

The average rates below are for a 40-year-old single male driver with a good record. See the full methodology at the bottom.

The most expensive 2015 cars to insure

1Nissan GT-R Nismo$3,574
2Mercedes-Benz SL65 AMG Convertible$3,573
3Dodge SRT Viper$3,318
4Porsche 911 Carrera S Cabriolet$3,216
5Audi R8 5.2 Spyder Quattro$3,206
6Porsche Panamera Turbo Executive$3,174
7BMW 760Li$3,147
8BMW M6 Convertible$3,115
9Mercedes-Benz E63 AMG 4Matic Wagon$3,042
10Mercedes-Benz CLS63 AMG 4Matic Sedan$2,972

 

The least expensive 2015 cars to insure

1Jeep Wrangler Sport 4WD$1,134
2Jeep Patriot Sport 2WD$1,136
3Honda CR-V LX 4WD$1,160
4Dodge Grand Caravan SE Plus$1,162
5Honda Odyssey LX$1,163
6Jeep Compass Sport 2WD$1,164
7Subaru Outback 2.5i$1,176
8Ford Edge SE 2WD$1,176
9Smart ForTwo Pure$1,186
10Ford Escape S 2WD$1,190

 

“The Smart’s showing may seem like a surprise,” Gusner said. “But it has racked up years of consistent below-average losses from claims, and that’s what your insurance bill reflects.”

 

http://www.claimsjournal.com/news/national/2015/03/18/262391.htm