These Are the Cheapest and Most Expensive Cars to Insure
Hint: the Nissan GT-R ain't cheap.
超级跑车的保险费是一条胳膊和一条腿。Compared to insurance policies for paltry commuter cars,annual policies on these sporty machines are extremely high—but just how much,平均而言，这些车在路上保了险吗？
日产GT-Ris the most expensive of them all at $3,941 annually,according to a study from Insure.com.By contrast,平均花费1298美元，the HondaOdyssey LXis the cheapest vehicle to insure in the U.S.The national average is $1,812,according to the site.
The Jeep Wrangler Sport is the second least expensive vehicle to insure,at an average of $1,304 annually,and Subaru's Outback 2.5i come in third,at $1,306.Most of the 20 cheapest vehicles to insure are crossovers and SUVs,according to the site.The most expensive vehicles to insure are predominately high-powered sedans and sports cars,and more than two-thirds of them are from Germany.After the GT-R,梅赛德斯-迈巴赫S650和保时捷Panamera是第二和第三大保险商，3917美元和3887美元，respectively.
Insure.com notes it commissioned Quadrant Information Services to calculate average auto insurance rates for 2019 models.It looked at rates in every state for 3,000 different vehicle models and crunched data from six large carriers – Allstate,Farmers,GEICO,Nationwide,Progressive and State Farm – based on full coverage for a hypothetical 40-year-old male driver with a clean record and good credit.The site's full rankings and methodology can be foundhere.
Of interest,when comparing vehicle costs to insurance rates,many of the most expensive cars actually come out proportionally cheaper.例如，the GT-R starts at $99,990 MSRP—more than 330 percent higher than the base price of the Odyssey LX.Insurance costs for Nissan's iconic sports car are only about 304 percent higher,however.Penny Gusner,Insure.com's consumer analyst,noted that there are a variety of reasons a cheaper vehicle can be proportionally more expensive to insure than an expensive one.
"MSRP and repair costs are just two of the many rating factors taken into account by insurers," she said."Additional rating factors—such as how much the vehicle is driven,the age of the driver,where the driver lives,and the number of claims for that particular model – can in some cases mitigate the high MSRP and expensive repairs."
Cheaper cars are more likely to be used in everyday activities like bringing kids to school,commuting to work,and shopping,whereas expensive cars are less likely to be daily driven,Gusner explained."A weekend car with fewer miles may translate into lower insurance rates," she continued.
Location may also play a role in lowering rates.Gusner added,"Expensive vehicles are more likely to be garaged in neighborhoods where there is less theft and vandalism."
Cheaper vehicles are more likely to be parked outside where they're more vulnerable to theft,vandalism,hail,and other events that can generate claims."I believe there are fewer overall claims and accidents for the super-expensive cars that we have on our list," Gusner continued,adding that drivers of such vehicles may be more likely to pay for minor issues like door dings with their own money,rather than file a claim.On the other hand,drivers in cheaper vehicles may not have the money to pay for a full repair out-of-pocket,从而提出更多的要求。
相关的Most Low-Mileage Drivers Don't Get Insurance Rate BreakConsumer Federation of America finds that how much motorists drive has little to do with auto insurance rates.现在阅读
相关的Paying Extra for Rental Car Insurance is a Waste of Money,Study FindsMany consumers don't realize they can get insurance included through their credit card,according to recent research.现在阅读
相关的Redditor Changes Gender,在汽车保险上节省了1000多美元Gender bias in auto insurance is real,and it's men who have the disadvantage.现在阅读
相关的The 2019 Honda Odyssey Is on Sale Now for $31,065Not much is 万博体育怎么充值new for this year's iteration of America's best-selling minivan besides a $100 price hike.现在阅读
相关的2019 Nissan GT-R: There Ain't No Rest for the WickedAs of this month,Nissan has been making the R35 generation of GT-R for as long as Sirius Black spent in Azkaban.现在阅读