What are the Most/Least Expensive Cars to Insure? Written by April McBriarty-Weismann on 4/9/2012 10:14 AM in What are the Most/Least Expensive Cars to Insure?. It has 0 Comments. 2012 Audi R8 Spyder Quattro 2012 Toyota Sienna LE Buying a car is very exciting. Perhaps you have done your research on-line to seek out the best dealership, and did your homework to get a great interest rate, but did you consider how the car you have in mind will impact what you pay for car insurance? Most insurance companies use data collected from The Insurance Services Office, Inc. (ISO). The ISO analyzes data and statistics about vehicles to provide insurance companies with rating information about a vehicle's theft susceptibility, safety features and cost to repair, so the information is typically consistent regardless of which insurance company writes your car insurance. Though I am not certain of how ISO interprets its findings for insurance companies to use, I have made the following observations over the years by working with 1,000s of insurance policies. The more expensive the car, the more expensive the insurance. This is logical as it is the car insurance company who will end up paying for more expensive parts should a more expensive car be involved in a claim. Mini-vans are typically cheaper to insure overall. Any car that is primarily driven by a young/inexperienced driver and needs collision coverage will be expensive to insure. Unfortunately, this too makes sense given more experience typically means fewer accidents. If a new driver is going to get his or her own car, try to get one that has modern safety features, but is not in need of collision coverage. Not needing collision can make a big difference in what you pay in premium! Keeping this information in mind, here are the 2012 Most Expensive Vehicles to Insure according to Insure.com. Rank Vehicle 1 Audi R8 Spyder Quattro Convertible 2 Mercedes CL600 Coupe 3 Mercedes S600 4 Audi R8 4.2 Quattro Coupe 5 Porsche Panamera Turbo 6 BMW 750i Hybrid 7 Porsche 911 Turbo Convertible 8 Porsche 911 Turbo S Convertible 9 Mercedes CL65 AMG Coupe 10 BMW 750Li Hybrid If these vehicles are a stretch for the budget, perhaps you consider the following list that reveals the 2012 Least Expensive Vehicles to Insure according to Insure.com. Rank Vehicle 1 Toyota Sienna LE 2 Toyota Sienna, 4 cylinder 3 Jeep Patriot Sport 4 Jeep Compass Sport 5 GMC Sierra K1500 Regular Cab 6 Chevrolet Silverado 1500 Regular Cab 7 Dodge Grand Caravan 8 Ford Escape XLS 9 Toyota Sienna, 6 cylinder 10 Chevrolet Silverado 1500 Extended Cab The type of vehicle you drive is just one of the significant factors that go into determining your insurance premium. The other factors include driving history, age/experience, and where you live. As what you drive is something you can control and change relatively quickly, it should be considered when thinking about what you pay in premium. If you are considering a significant upgrade to the type of car you drive, be sure to factor in the increased cost of insurance. To get a handle on all your expenses, you can always call your insurance agency to find out what the insurance would cost BEFORE you buy. For more great information on understanding specific vehicles and the impact on insurance rates, click Forbes.com.