What are the most expensive cars to insure in the USA

A car at an affordable price does not always mean affordable insurance.

Фото: Depositphotos

The Road Traffic Safety Insurance Institute (IIHS HLDI) collects payment data on fines, accident data, safety ratings and other important information about driving habits and causes of accidents. Thanks to these data, you can derive the cost of auto insurance, the frequency of insurance claims and payments for them to auto parts.

24 / 7 Wallstreet I used this data to determine the 2018 vehicles of the year with the most expensive auto insurance and driver profiles that usually buy these cars.

The list of the most expensive car insurance includes the annual average price of insurance paid for these models in accordance with (IIHS HLDI) and the approximate retail price of the car.

1. To Fortify: $ 1,155.82 average insurance cost / $ 16,800 retail
2. Mercedes-Benz C class four-door 2WD: $ 1,157.34 average insurance cost / $ 40,250 retail
3. Nissan Versa: $ 1,157.59 / $ 12,110
4. Nissan Sentra: $ 1,165.05 / $ 16,990
5. Lexus IS 350 four-door 2WD: $ 1,167.11 / $ 38,210
6. Audi A4 four-door 2WD: $ 1,169.13 / $ 36,000
7. Land Rover Range Rover Sport four-door 4WD: $ 1,173.05 / $ 66,750
8. Infiniti Q50 2D 4WD: $ 1,182.32 / $ 66,750
9. Dodge Dart: $ 1,187.55 / $ 16,995
10. Kia Rio: $ 1,191.26 / $ 13,900
11. Nissan Maxima: $ 1,237.68 / $ 33,270
12. Scion tC: $ 1,237.74 / $ 19,385
13. Chrysler 200 2WD / $ 1,261.87 / $ 22,115
14. Scion iA: $ 1,274.51 / $ 15,700
15. Ford Mustang 2D: $ 1,291.53 / $ 25,680
16. Lexus GS 350 4D 2WD: $ 1,295.44 / $ 46,310
17. BMW 4 series 2D 2WD: $ 1,306.51 / $ 43,300
18. Audi A7 4D 4WD: $ 1,322.51 / $ 69,700
19. Dodge Challenger: $ 1,335.79 / $ 27,295
20. Kia Optima hybrid: $ 1,355.13 / $ 25,995
21. Dodge Charger 2WD: $ 1,385.61 / $ 28,995
22. Scion FR-S: $ 1,403.67 / $ 25,305
23. Mitsubishi Lancer 2WD: $ 1,458.48 / $ 17,795
24. Mercedes-Benz S class four-door LWB 2WD: $ 1,540.63 / $ 89,900
25. Tesla Model S four-door electric 4WD: $ 1,789.48 / $ 74,500

What factors influence insurance prices?

It should be understood that the improvement of the safety features of the car increases its value when buying, but reduces the insurance premium. For example, a car that uses technology to prevent damage or avoid accidents may be more expensive, but insurance may be less because the probability of an insured event is reduced.

In addition, the personal information of the driver also affects the cost of insurance. Different insurance price lists use different criteria.

A rough estimate can be found at Insure.com, which uses data from six insurance companies in 10 zip codes for each state.

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Personal experience: how we bought our car in the USA

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