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The Least and Most Expensive Cars to Insure in 2013

If you are considering a new car for 2013 there are a number of factors that you should consider. While features and price are important, you should also consider the cost of insuring the vehicle. In some cases, the cost of insurance could easily push the price of the car into the unaffordable range.

Insurance industry experts say that only 1 in 5 people will research insurance rates before buying a new car. Even diligent shoppers who compare fuel efficiency numbers and search extensively for the best price rarely call an agent to get a quote before signing on the dotted line.

Quadrant Information Services recently worked with to provide average insurance rates for all 2013 models in the marketplace. While not all models were available, especially exotic cars, the list gives potential buyers a good idea of what they will be paying for car insurance for their new ride.

In a surprising twist, minivans are no longer the cheapest vehicle to insure. While minivans have reigned supreme over the last few years for low insurance costs, SUVs and crossovers have replaced them this year. Ford, Kia, Jeep and Hyundai are leading the pack for low insurance costs in 2013.

The Ford Edge SE is the first crossover vehicle that has won the top position for low cost insurance. According to vehicle experts, the SUV has been stealing the spotlight from minivans as the family vehicle of choice. As SUVs are used more and more by families driving their kids around, insurance rates are dropping due to lower crash rates. Parents with kids in the car tend to drive safer, leading to few accidents which eventually results in lower insurance rates for those types of vehicles.

On the other end of the spectrum, Mercedes-Benz managed to take over half of the most expensive to insure list including the top spot. The Mercedes-Benz CL600 coupe, which has a 12-cylinder engine, ranks as the most expensive car to insure for the 2013 model lineup. Its big engine and high-speeds must lead to numerous crashes, driving up the cost to insure this luxury vehicle. The CL600 costs roughly $160,000 and you can expect an average insurance bill of $3357 if you are lucky enough to own one.

Here are the rankings for 2013 models with their average annual premium cost:


Least expensive 2013 vehicles to insure:

1. Ford Edge SE - $1,128

2. Jeep Grand Cherokee Laredo - $1,148

3. Subaru Outback 2.5i Premium - $1,150

4. Kia Sportage - $1,157

5. Jeep Patriot Sport  - $1,160

6. Chevrolet Express 1500 - $1,171

7. Subaru Outback 3.6R  - $1,180

8. Hyundai Tucson GLS  - $1,189

9. Ford Explorer - $1,197

10. Hyundai Tucson GL - $1,204


Most expensive 2013 vehicles to insure: 

1. Mercedes-Benz CL600 - $3,357

2. Mercedes-Benz CL65 AMG - $3,330

3. Mercedes-Benz S65 AMG - $3,221

4. Mercedes-Benz SL65 AMG - $3,207

5. Mercedes-Benz CL63 AMG - $3,184

6. Mercedes-Benz S600- $3,158

7. Mercedes-Benz SL63 AMG - $3,075

8. Mercedes-Benz S63 AMG - $2,978

9. Porsche 911 Turbo- $2,958

10. Porsche 911 Turbo S - $2,925


The insurance averages are based on the following: A single 40-year old male commuting 12 miles to work every day who has a clean driving record and good credit. Policy limits are 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.