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Fun, luxurious cars still pricey to insure

By Claes Bell, CFA · Bankrate.com
Friday, November 12, 2010
Posted: 4 pm ET

That Kia Sedona minivan you're looking at probably won't thrill you on twisty roads or wow you with its power when merging onto the highway, but it will save you a bundle on your auto insurance.

This week, InsWeb released its annual list of the most- and least-costly cars to insure, and the Sedona is tops in the latter category.

10 least expensive to insure 10 most expensive to insure
1. Kia Sedona 1. Acura ZDX
2. Mazda5 2. Audi TTS
3. Ford Escape 3. Audi A5
4. Hyundai Santa Fe 4. Cadillac Escalade
5. Mercury Mariner 5. Chevrolet Corvette
6. Chrysler PT Cruiser 6. BMW Z4
7. Ford Explorer 7. Lexus SC
8. Subaru Outback 8. Jaguar XF
9. Kia Optima 9. Cadillac STS
10 Chevrolet Equinox 10. Dodge Challenger


Insuring your new car can add a big, and sometimes unexpected, chunk to your monthly auto costs. That's why it's worth taking a few minutes to get insurance quotes on the models you're considering to help you weed out models that cost more to insure than you want to pay.

The Kia Sedona was the cheapest car to insure in 2010

The Kia Sedona was the cheapest car to insure in 2010

As you can see, the least expensive list is dominated by moderately priced, underpowered cars and family vehicles, while the most expensive list consists mostly of high-powered luxury and sports cars.

True, the cars on the most-expensive-to-insure list may look more appealing, especially for car guys and gals, but if you're envious of your old Aunt Myrtle's insurance bill, think about what she would drive.

Would she choose a car with a huge engine that's costly to repair, or would she choose a slower car that's cheaper to repair?

You may not like the answer, but picking that pokey minivan is usually going to save you not only on the list price but also on the insurance.

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