2008 Insurance Guide
auto
10 most and least expensive cars to insure

Chances are it's the price of gas, not auto insurance, that's driving you to the poor house.

But if you want to cut your auto insurance premiums to the bone, stay away from small, fast cars.

"It's a common denominator among vehicles that have the highest losses -- a lot of smaller, sportier vehicles, says Russ Rader, spokesman for the Insurance Institute for Highway Safety.

"Contrary to the idea that smaller cars can help you avoid crashes, the data shows that small cars get into more accidents," he says. "If you feel like you have a vehicle that can zip in and out of traffic, chances are you'll do that."

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:
    
1.Subaru Impreza WRX 4WD6.Honda Civic Si
2.Scion tC7.Dodge Charger
3.Hyundai Tiburon8.Nissan 350Z
4.Mercedes CLS class 4dr9.Chevrolet Cobalt
5.Suzuki Forenza10.Suzuki Reno
Source: Insurance Institute for Highway Safety, based on 2005-2007 models

Each year, the institute, and its sister organization, the Highway Loss Data Institute, analyze the actual insurance losses associated with the most popular vehicle makes and models. Since insurance companies use similar kinds of data to set premiums, the rankings give consumers a window into how their vehicle choices affect their auto premiums.

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:
    
1.Buick Rendezvous 4dr6.Subaru Outback 4WD
2.Pontiac Solstice convertible7.Ford Five Hundred 4WD
3.Buick Terraza8.Volvo V70 station wagon 4WD
4.Honda Odyssey9.Chrysler Town & Country LWB
5.Mazda MX-5 Miata convertible10.Chevrolet Corvette convertible
Source: Insurance Institute for Highway Safety, based on 2005-2007 models

And, once again, the data suggests that small cars and speed are an expensive combination for insurers -- especially with a young driver behind the wheel. (To compare insurance policies and quotes, visit Insureme.com, a Bankrate company.)

"Sporty cars tend to be driven in ways that lead to more crashes," says Rader. "They also tend to be driven by younger, riskier drivers." And smaller cars also tend to be more affordable, which makes them more attractive to those same younger drivers, he says.

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