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Best and Worst 2015 New Car Insurance Rates

Family vehicles are the most common vehicle on the cheapest to insure list. SUV’s and crossovers make up the majority of the list, but one surprise is the 2015 Smart Fortwo Pure. It showed up this year at position 9 with an average annual insurance cost of only $1,186.

The 2015 Jeep Wrangler 4WD 2 door sport’s annual insurance rate of $1,134 makes it the cheapest new vehicle to insure for 2015. Jeep is dominating this year, holding the top two positions and having a total of three different models on the list.

As expected the most common class of vehicle on the most expensive list is sports cars. The most expensive winner for the year is the 2015 Nissan GT-R Nismo with an average annual rate of $3,574. Porsche, Mercedes-Benz and BMW also make up a large part of the list.

Insure.com just came out with their list, as they do every year, with the top 10 cheapest and most expensive vehicles to insure.

The compiled lists are based on a single male, 40 years old, driving about 12 miles a day with a $500 deductible. He has good credit and a clean driving record. His policy covers $100,000 one person liability, $300,000 all injuries, and $50,000 property damage.Of course, insurance coverage is based on many other factors including how many claims have been filed on the model and the state you reside. The lists below are based off the average cost nationwide.

Cheapest New Cars to Insure for 2015

RankYear, Make ModelAnnual Insurance Premium
12015 Jeep Wrangler Sport 4WD two-door$1,134
22015 Jeep Patriot Sport 2WD$1,136
32015 Honda CR-V LX 4WD$1,160
42015 Dodge Grand Caravan SE Plus 2WD$1,162
52015 Honda Odyssey LX$1,163
62015 Jeep Compass Sport 2WD$1,164
72015 Subaru Outback 2.5i AWD PZEV$1,176
82015 Ford Edge SE 2WD$1,176
92015 Smart FORTWO Pure two-door$1,186
102015 Ford Escape S 2WD$1,190

Most Expensive New Cars to Insure for 2015

RankYear, Make ModelAnnual Insurance Premium
12015 Nissan GT-R Nismo$3,574
22015 Mercedes-Benz SL65 AMG Convertible$3,573
32015 Dodge SRT Viper$3,318
42015 Porsche 911 Carrera S Cabriolet$3,216
52015 Audi R8 5.2 Spyder Quattro$3,206
62015 Porsche Panamera Turbo Executive$3,174
72015 BMW 760Li$3,147
82015 BMW M6 Convertible$3,115
92015 Mercedes-Benz E63 4Matic Wagon$3,042
102015 Mercedes-Benz CLS63 AMG 4Matic Sedan$2,972

Car insurance is one of the most overlooked areas when buying a new vehicle. It can be a big surprise to find out your monthly insurance payment is more than your car payment. You should always shop insurance rates before signing on the dotted line, read my chapter on auto insurance to learn more.

If you’re considering the purchase of a new vehicle, I recommend using a free online referral service such as Ryde Shopper and Motor Trend to guarantee you pay the lowest price. These services will tell you what others are paying for the vehicle you’re considering in your local area and which dealers give the greatest discounts.