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

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

June 2, 2021 -- Results from extensive research of US vehicles conducted by Insure.com reveal the most and least expensive cars to insure. Insure.com 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, Insure.com 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.

Search CarTest!

Custom Search