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What are the most and least expensive 2009 vehicles to insure?

June 2, 2021 -- Results from extensive research of US vehicles conducted by reveal the most and least expensive cars to insure. calculated average car insurance premiums for almost 300 vehicles in model year 2009.

Average premiums for the profile used ranged from $2,533 to $832. When all vehicles were averaged together, the Chevy Tahoe ranked at the center, with an average car insurance premium of $1,169.

Topping the list is the Nissan GT-R, which Nissan bills as a "multi performance supercar" that delivers fantasy driving. The GT-R's supercharged engine helped drive it to the top. It's a 3.8-litre twin-turbocharged 24-valve V6 with 485 horsepower. Compare that to the Honda Accord Coupe EX-L V6, with a horsepower of 271. Or take the Smart Fortwo, the smallest car available and one of the least expensive to insure, which has 71 horsepower.

Owners of the GT-R buy it for power and speed, and their dirivng habits will be reflected in frequent and expensive insurance claims. GT-R owners who are young with less-than-spotless driving records could easily see their annual car insurance premiums zoom to several thousand dollars.

Sports cars dominate the “most expensive” roster, along with theft favourites like the Cadillac Escalade.

The 20 most expensive 2009 vehicles to insure:

Rank      Average Premium     Vehicle     Class
1     $2,533     Nissan GT-R     Sports car
2     $2,446     Dodge Viper     Sports car
3     $2,236     BMW M6     Sports car
4     $2,186     Ford Shelby GT500     Sports car
5     $2,088     Mercedes-Benz G-Class     LargeSUV
6     $2,071     Audi S8     Passenger car
7     $2,020     BMW M5     Sports car
8     $1,912     Hummer H2     Large SUV
9     $1,881     Lexus ISF     Sports car
10   $1,819     Porsche 911     Sports car
11   $1,762     Chevrolet Cobalt SS     Sports car
12   $1,717     Jaguar XK Series     Sports car
13   $1,714     BMW M3     Sports car
14   $1,694     Cadillac XLR     Sports car
15   $1,637     Audi R8     Sports car
16   $1,603     Land Rover Range Rover     Large SUV
17   $1,592     Cadillac Escalade EXT     Truck
18   $1,587     Honda S2000     Sports car
19   $1,584     BMW X6     Large SUV
20   $1,577     Mercedes-Benz SL-Class     Passenger car

Even the “least expensive” list contains a good selection of SUVs, minivans and passenger cars. Low insurance rates tend to reflect a vehicle's safety because drivers of those models have submitted fewer and less-expensive insurance claims.

Enjoying the bottom spot, with the lowest average car insurance rate, is the 2009 Hyundai Santa Fe, an SUV.

The 20 least expensive 2009 vehicles to insure:
Rank     Average Premium     Vehicle     Class
1     $832     Hyundai Santa Fe     SUV
2     $840     Kia Sportage     SUV
3     $848     Hyundai Entourage     Minivan
4     $857     Kia Sedona     Minivan
5     $870     Kia Rio5     Passenger
6     $871     Honda Odyssey     Minivan
7     $881     Smart fortwo     Passenger
8     $911     Saturn Vue     SUV
9     $913     Mazda Tribute     SUV
10   $915     Chrysler Town & Country     Minivan
11   $921     Scion xB     Passenger
12   $929     Mazda Mazda5     Minivan
13   $936     Volkswagen Passat     Passenger
14   $939     Jeep Wrangler     SUV
15   $951     Honda Accord     Passenger
16   $954     Suzuki Forenza     Passenger
17   $955     Lincoln Town Car     Passenger
18   $957     Mazda Truck     Truck
19   $959     ChevroletImpala     Passenger
20   $960     Dodge Grand Caravan     Minivan

To compare car insurance rates, used a driver profile of a 40-year-old single male who drives 12 miles to work, with policy limits of 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. Policies quoted include uninsured motorist coverage of 100/300. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; drivers' own rates will depend on personal factors such as age, driving history, location, discounts and other factors.

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