Top Ten Cheapest and Most Expensive Vehicles to Insure

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Jul 062017

Honda Odyssey

Latino Traffic Report (LTR) has just learned that’s annual ranking of the least and most expensive vehicles to insure named the Honda Odyssey as the least expensive for the second year in a row, while Jeep set a new record with its models taking up a whopping 50 percent of the top 10. On the high side, the Mercedes-Benz S65 AMG convertible was the most expensive. The rankings were compiled from a recent review of insurance rates in every single state for more than 2,800 different vehicle models. commissioned Quadrant Information Services to calculate average auto insurance rates for 2017 models. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm, in ten zip codes per state. Not all models were available, especially exotic cars.

Least expensive rankings were based on the best-performing trim line of each model. The worst performing trim line of each model determined most expensive rankings.

Least Expensive Vehicles to Insure

Jeep Renegade Sport

When it comes to cheap vehicles to insure, nothing has changed with the Honda Odyssey LX remaining at the top of the list. According to “Minivans have always been popular on our inexpensive to insure list. In 2011, all four of the top spots were minivans and every year since at least one minivan has been in the top five, with the exception of 2013.

What minivans lack in sex appeal, they make up for in safety and for a family vehicle, that’s where the emphasis should be. Safety features, a great safety rating, and extra cautious drivers lead to fewer accidents, claims, and lower rates. The Odyssey has received an overall five-star crash rating from National Highway Traffic Safety Administration.

Second place goes to the Jeep Renegade Sport, the Jeep Wrangler Black Bear ranks No. 3 with the Honda CR-V LX earning the number four spot and the Jeep Compass Sport rounding out the top five.

While some may be surprised to see Jeep included so heavily in the list—in addition to the ones listed above, the Jeep Cherokee Sport took the No. 7 spot and the Patriot Sport tied for eighth place—it’s not so odd, according to Penny Gusner, consumer analyst for

“When people think of Jeeps, they typically think about ruggedness, not bells and whistles. The Jeeps on the list are the entry-level and thus would cost less to repair or replace than a car that comes with lots of expensive luxury features,” notes Gusner.

Top 10 Cheapest Cars to Insure

Rank Make\Model Average annual premium
1 Honda Odyssey LX $1,112
2 Jeep Renegade Sport $1,138
3 Jeep Wrangler Black Bear $1,148
4 Honda CR-V LX $1,170
5 Jeep Compass $1,183
6 Subaru Outback 2.5l $1,187
7 Jeep Cherokee Sport $1,188
8 Buick Encore (tie) $1,190
8 Jeep Patriot Sport (tie) $1,190
10 Subaru Forester 2.5l $1,196


Most Expensive Vehicles to Insure

Mercedes-Benz S65 AMG cabriolet

On the opposite end of the spectrum, the most expensive cars to insure list is mainly made up of sports cars that are designed to be driven fast, or high-end luxury cars.

As usual, Mercedes-Benz dominates the most expensive to insure category with nine vehicles in the top 20. The Dodge Viper drops from No. 1 to 2 and Maserati breaks into the top 10 for the first time as the Quattroporte GTS slips into the fourth spot.

While most of the cars on the list are out of the average person’s price range, sticker price is not always a reliable indicator of insurance costs. In many cases, less expensive but higher performance cars cost more to insure.

Dodge Viper GTS

As an example, the most expensive car to insure (Mercedes S65 AMG convertible) is indeed the most expensive car on the list with an MSRP of $247,900. However, the second most expensive car to insure (Dodge GTS Viper) is a relative bargain with an MSRP of $87,895.

Six of the nine Mercedes models on the most expensive to insure list are convertibles. Prone to more theft and break-ins, a convertible’s insurance rates will typically also be higher, plus convertibles, as a body style, can cost more than their siblings.

It’s not just high performance that jacks up the rates though, a sky-high sticker price and the accompanying repair costs also impact premiums. “It’s no coincidence that many of the vehicles on the most expensive insurance list are more than just Mercedes models—they’re among the most expensive versions of those models, and consequently the most expensive to replace and possibly to repair,” points out Joe Wisenfelder, executive editor with

Top 10 Most Expensive Cars to Insure

Rank Make/Model Average annual premium
1 Mercedes S65 AMG (convertible) $3,835
2 Dodge GTS Viper $3,779
3 Mercedes S63 AMG 4Matic (convertible) $3,624
4 Maserati Quattroporte GTS $3,547
5 Mercedes S550 (convertible) $3,502
6 Mercedes C43 4Matic (convertible) $3,418
7 Mercedes Maybach S600 $3,355
8 Mercedes SL65 AMG (convertible) $3,322
9 Nissan GT-R Nismo $3,313
10 Audi R8 5.2L V10 Quattro $3,267

What Affects Insurance Rates

According to, the three factors that most affect insurance costs are repair costs, claim rates, and vehicle type. Accident avoidance features, like airbags and restraint systems all impact rates. Anything that reduces the risk of damage to the vehicle and injury to the people inside, results in less expensive insurance.

The good news is that affordable insurance no longer exists only in the compact or family sedan category. It’s now possible to affordably insure minivans, SUVs, and pick-ups.

The common dominator in the least expensive to insure category is safe drivers. “Notice that all of these are essentially family vehicles that, overwhelmingly, will be subjected to normal driving in the hands of responsible parental types,” observes Wiesenfelder.

While SUVs had their problems in the past, mainly with rollovers, the safety ratings of SUVs have improved dramatically over the years. Safety features and accident rates have made a big impact on rates. Still, average rates are for comparative purposes only. Your own rate will depend on personal factors.

Jeep Introduces Its Latest Offspring, the Renegade

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Apr 152015

2015 Jeep® Renegade Latitude

It’s been said you can never get enough of a good thing. When it comes to compact sport utility vehicles (SUVs), Jeep apparently agrees.

Expanding Jeep’s lineup for 2015, the Renegade was recently launched in San Jose, CA. It joins its diminutive siblings, the Compass and Patriot, at the smaller end of the Jeep spectrum, appealing to fans of Jeep capability, as always, but with better fuel economy. The Renegade sets itself apart with more of the Wrangler’s brawn.

Technically, the Renegade is the first Jeep to enter the small sport utility segment—the Compass and Patriot compete among compact SUVs. With few true competitors, the Renegade offers many first-in-class innovations starting with “My Sky” open-air roof systems with removable panels that take inspiration from the Wrangler.

“My Sky” open-air roof systems with removable panels

“My Sky” open-air roof systems with removable panels

“The Renegade is true to the Jeep brand, offering open air freedom and packed with fuel efficiency and versatility,” asserted Jim Morrison, director, Jeep Brand, at the launch.

Another first-in-class is the Renegade’s nine-speed transmission. Matched to a choice of two four-cylinder powertrains—a 1.4-liter and 2.4-liter—it helps improve fuel economy. The Renegade Sport and Latitude (pictured at top) equipped with the six-speed manual, however, offer the best EPA estimated city/highway fuel economy of 24/31 miles per gallon (mpg). On the test drive, the 1.4-liter averaged 27 mpg.

Like all Jeeps, the Renegade will be at ease on the road as well as off. Available in four trim levels in 2×2 or 4×4 configurations, the trail rated Trailhawk will appeal to true rock crawling fans. At the launch, it moved along a trail at the Hollister Hills State Vehicle Recreation Area (pictured below) without a hitch.

2015-01-22 14.jeepren2licOff-road capability begins with two new 4×4 systems, Jeep Active Drive and the class-exclusive Jeep Active Drive Low (Trailhawk only). Standard on all 4×4 models, Jeep Active Drive full-time 4×4 system automatically disconnects the rear axle and power transfer unit to help improve fuel economy.

Both 4×4 systems include the Jeep Selec-Terrain system with up to five modes (Auto, Snow, Sand and Mud, plus Rock mode on the Trailhawk model) for drivers to choose depending on road conditions.

Familiar design cues, like the seven-slot grille, keep the Jeep DNA in tact while others offer a new twist, e.g. the x on the tail lights was taken from military equipment like gasoline cans.

Described as Tek-Tonic, the new interior design takes inspiration from extreme sports like base-jumping. Colors like Tresspass Black monotone interior or Black and Warm Sand two-tone seats, and a gauge cluster with a mud-splatter design graphic accentuate the theme.2015 Jeep Renegade Limited

The cluster also includes the Driver Information Display (DID) with temperature, compass, tire-pressure monitoring, trip computer, distance-to-empty, range, vehicles messages and vehicle speed.

For better comfort and convenience, air conditioning, keyless entry with panic alarm, a UConnect AM/FM stereo with a Media Hub—audio jack input for mobile devices and remote USB port, vanity mirrors, a 60/40 split-folding rear bench, and a removable and height-adjustable cargo floor panel are standard.

The Renegade offers 70 available safety features including a blind spot monitor, forward collision warning, Rear Cross Path Detection, although not on the Sport model. A rear backup camera, however, is available on the Sport and standard on the three subsequent trim levels.

Standard safety features include Electronic stability control with Hill-start Assist, all-speed traction control, electronic roll mitigation, and trailer sway damping.

Designed in America and crafted in Italy, pricing for the 2015 Renegade begins at $18,990 with destination fees.