2008 Insurance Guide
10 most and least expensive cars to insure

"The Subaru Impreza WRX, the Mitsubishi Lancer, the Acura RSX, the Nissan Sentra SE-R -- these vehicles have the highest rates of collision," says Rader. "And age is a part of it. It's how these vehicles are driven."

The car that comes in second on the "most expensive to insure" list, the Scion tC, has one of the youngest demographics. Thirty-five percent of drivers are under 25, says Kim Hazelbaker, senior vice president for the Highway Loss Data Institute.

Least expensive to insure

The vehicles that are likely to have the lowest insurance costs? Today's version of the good old fashioned family car, says Rader. These skew toward large sedans, or midsize SUVs or minivans.

"They tend to be driven by people who are not as likely to speed or drive recklessly," he says.

And they also aren't as likely to be used to commute to and from work, says Hazelbaker. That means the cars aren't on the road during rush hour, which also lowers their risk.

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"We have an awful lot of soccer mom cars on that list," he says. "The (Buick) Rendezvous, the (Subaru) Outback ... the Chrysler Town & Country -- all of these are sort of 'mommy mobiles.'"

And none of the vehicles on the cheapest to insure list "are very large," either, says Hazelbaker. "As the size of an SUV or pickup goes up, you do have higher losses."


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