Your auto insurance premium depends upon many different factors, including the type of vehicle you choose to drive. It’s no surprise that a fast, flashy, expensive sports car would cost more to insure than a hand-me-down station wagon. However, there are other cars that people may not expect on the list too — like a BMW Hybrid.
According to Insure, these are the “10 Most Expensive Cars For Auto Insurance” in 2012:
| Rank | Vehicle | Cyl. | Nat’l annual avg. rate |
| 1 | Audi R8 Spyder Quattro Convertible | 10 | $3,384 |
| 2 | Mercedes CL600 Coupe | 12 | $3,307 |
| 3 | Mercedes S600 | 12 | $2,948 |
| 4 | Audi R8 4.2 Quattro Coupe | 8 | $2,903 |
| 5 | Porsche Panamera Turbo | 8 | $2,738 |
| 6 | BMW 750i Hybrid | 8 | $2,701 |
| 7 | Porsche 911 Turbo Convertible | 6 | $2,674 |
| 8 | Porsche 911 Turbo S Convertible | 6 | $2,674 |
| 9 | Mercedes CL65 AMG Coupe | 12 | $2,669 |
| 10 | BMW 750Li Hybrid | 8 | $2,641 |
On the other end of the spectrum, you can find the least expensive auto insurance with…
| Rank | Vehicle | Cyl. | Nat’l annual avg. rate |
| 1 | Toyota Sienna LE | 4 | $1,111 |
| 2 | Toyota Sienna | 4 | $1,114 |
| 3 | Jeep Patriot Sport | 4 | $1,116 |
| 4 | Jeep Compass Sport | 4 | $1,118 |
| 5 | GMC Sierra K1500 Regular Cab | 6 | $1,121 |
| 6 | Chevrolet Silverado 1500 Regular Cab | 6 | $1,125 |
| 7 | Dodge Grand Caravan SXT | 6 | $1,129 |
| 8 | Ford Escape XLS | 4 | $1,137 |
| 9 | Toyota Sienna | 6 | $1,139 |
| 10 | Chevrolet Silverado 1500 Extended Cab | 6 | $1,143 |
Why Such A Difference?
Psychologists will tell you that buying a mini-van says “I’m happily married with kids and concerned about safety,” whereas a flashy sports car says “look at me: I’m reckless and cool!” Yet, from a more practical standpoint, the Toyota Sienna is mass-produced, whereas the Audi Spyder is made in limited numbers to increase the desirability and status of driving such a vehicle — which makes repairs and maintenance more costly. The cost of auto insurance also goes up if a vehicle is statistically more likely to be stolen or be involved in an accident.
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