InsWeb’s Most Expensive Cars To Insure

November 15, 2010

Last week, FamilyCarGuide brought you the least expensive 2010 cars to insure, courtesy of InsWeb data. The online insurance comparison provider compiled the list of most expensive cars to insure by comparing all car insurance quotes (covering 400 companies) requested by customers between January and September of this year for 2010 vehicles.

The results shouldn’t be too surprising. Most of the vehicles on this list (although the full list includes 25 vehicles, FCG will list only the top 10 here) are expensive to begin with, costing upwards of $40,000. The more costly a vehicle is, the more likely it will wind up being more expensive to insure.

Sounds about right, doesn’t it? Well, there are other factors insurers take into consideration when pricing insurance for a particular vehicle, including vehicle value, loss history, repair costs, safety features and security features. In addition, the majority of the vehicles on the most-expensive-to-insure list are performance vehicles – whose drivers may be more likely to be aggressive on the road.

There are, however, a few that are family vehicles (or are used as such, even if they don’t normally fall into the family car category).

Is your car on the list? Check out the top 10 most expensive 2010 vehicles to insure:

Acura ZDX – Stunning exterior styling, all-wheel drive standard, luxurious interior and many standard safety features mark the 2010 Acura ZDX mid-size SUV that the automaker refers to as a “four-door coupe.” Reviewers, however, are mixed on how to classify it. ZDX, while sporty, does offer car-like handling, but doesn’t provide the cargo space or rear-seat room expected in an SUV. Starting MSRP for the 2010 Acura ZDX is $45,400 – not exactly chump change for an SUV best suited to couples looking for a quick getaway trip or stylish motoring around town. And, according to InsWeb data, the 2010 Acura ZDX tops the chart as most expensive to insure. In a review, The Car Connection (TCC) gave the 2010 Acura ZDX an overall 7.8 rating (out of 10).

2011 Audi TTS Coupe - Interior

2011 Audi TTS Coupe - Interior

Audi TTS – With its turbocharged 2.0-liter in-line four-cylinder engine generating 265 horsepower, the 2010 Audi TTS (the top-line trim of Audi TT) available in coupe and convertible, is exceptionally fast. Estimates of zero to 60 times in 4.9 seconds (coupe) and 5.1 seconds (convertible) prove that – and probably contribute to TTS’s second-place ranking on the most-expensive-to-insure list from InsWeb. Starting 2010 MSRPs for Audi TTS ranged from $45,900 to $48,900. The Audi TTS is included in the 2010 Audi TT review by TCC, which gave an overall rating of 8.2 (out of 10).

2010 Audi A5 Cabriolet

2010 Audi A5 Cabriolet

Audi A5 – Standard Audi quattro all-wheel drive, elegance inside and out, and available as a coupe or convertible, the 2010 Audi A5 luxury mid-size sports car has seating for four (although backseat passengers may find quarters cramped on long rides) and carries a starting MSRP from $36,000 to a little over $44,100. Check out TCC’s review of the 2010 Audi A5 – editors gave it an overall 8.6 (out of 10) rating.

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Cadillac Escalade – The full-size luxury SUV 2010 Cadillac Escalade seats up to eight, certainly good for families, and comes in Escalade, Escalade ESV, Escalade EXT, and Escalade Hybrid. Starting prices range from $62,000+ to nearly $87,000. The Escalade is big, powerful, stylish and offers plenty in the way of comfort, luxury and convenience – although the third-row seat is a bit cramped. TCC editors gave the 2010 Cadillac Escalade an 8.6 overall rating (out of 10).

2010 Corvette Grand Sport

2010 Corvette Grand Sport

Chevrolet Corvette – In the world of luxury sports cars, you can’t get much more affordable than the 2010 Chevrolet Corvette, with starting prices from about $49,000. Along with that pricetag comes a 430-horsepower V-8 engine and handling that’s on par with many higher-priced exotic sports cars. The Corvette, available in coupe and convertible, features lots of standard safety equipment, including dual-stage front airbags, run-flat tires, all-speed traction control and four-wheel disc anti-lock brakes, but some reviewers say that rearward visibility is hampered. High-performance models include Z06 and ZR1. TCC editors gave the 2010 Chevrolet Corvette an overall 8.8 rating (out of 10).

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BMW Z4 – Although it costs nearly as much as the class-leading 2010 Porsche Boxster, the 2010 BMW Z4 luxury sports roadster (with 2010 starting prices between $46,000 and nearly $52,000) has strong and smooth powertrain options, rides and handles exceptionally well and has a standard retractable hardtop. Some reviewers have said the BMW Z4 has the makings of one of the all-time great roadsters. Bottom line for TCC editors: an overall 8 (out of 10) rating.

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Lexus SC – As a super-luxury convertible, the 2010 Lexus SC, which may be cross-shopped with Mercedes-Benz SL and SLK (both available as drop-top models) and Porsche Boxster, is the only one of these three that appears on the InsWeb’s list of most expensive cars to insure. With a 2010 starting MSRP of $68,405, the Lexus SC isn’t as performance oriented as some rivals, has a cramped back seat and limited cargo space. Essentially, it’s a grand boulevard cruiser – one that Consumer Guide gave a “Top Recommendation” designation for 2010. In a review, TCC editors rated the 2010 Lexus SC 7.6 (out of 10).

2009 Jaguar XF

2009 Jaguar XF

Jaguar XF – With two powerful engines (V-8 or supercharged V-8), well-balanced handling and an interior filled with high-tech features, the 2010 Jaguar XF is a large luxury sedan that makes no bones about its sporty intentions. It’s definitely not a luxury cruiser, although families may forego smooth ride for the XF’s blend of stunning performance and aggressive good looks. With starting prices from  just over $51,000 to $79,000, this Jaguar is for the well-heeled who can afford higher insurance premiums. TCC rated the 2010 Jaguar XF 9 (out of 10).

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Cadillac STS – In the luxury large sedan category, the 2010 Cadillac STS fits the bill of a family car for certain customers. It’s big and it’s a Caddy, offering impressive handling and braking for a car of its size. V-6 and V-8 engines are available, rear-wheel drive is standard and all-wheel drive is optional. In a review, TCC gave the 2010 Cadillac STS an overall rating of 7.6 (out of 10).

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Dodge Challenger – Considered a muscle car – hence, it’s not surprising it appears on the most-expensive-to-insure list, the 2010 Dodge Challenger is available in SE, R/T and high-performance SRT8 trim (with HEMI V-8 engine). Inside, the Challenger seats up to five and offers plenty of cargo room, so it could be a performance-oriented family car choice for some consumers. Competition includes the Ford Mustang (number 12 on InsWeb’s list of most-expensive 2010 cars to insure) and the Chevrolet Camaro (number 24). The Car Connection editors rated the 2010 Dodge Challenger as 8 (out of 10).

For the top 10 of InsWeb’s least expensive 2010 cars to insure, check out yesterday’s FCG column.

[InsWeb]

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