The survey from Insure.com, which gathers data from six major insurance companies in all 50 states, estimated annual insurance rates for 2014 model-year cars.
Jeep and Chrysler models — both built by Fiat Chrysler — tallied half of the survey’s top 20 list of low-rate cars. The 2014 Jeep Wrangler Sport had the lowest rate of all new 2014 models at $1,080 per year, followed by the Jeep Patriot Sport in third ($1,104) and Jeep Compass Sport at No. 5 ($1,140). The Patriot Latitude and two more Wrangler trims (Sahara and Rubicon) rounded out the list, along with the Dodge Grand Caravan SE, Chrysler Town & Country Touring and Dodge Journey SE. No car on the top 20 list ranked higher than $1,209.
More domestic cars helped edge out the imports, including the GMC Acadia SLE-2, Chevrolet Traverse LS and Ford Escape S. But Honda claimed the Nos. 2 and 4 spots for the Odyssey LX and CR-V LX, and No. 7 went to the Subaru Outback 2.5i (see the full list below).
The survey takes insurance data from 10 cities and towns from each state, and figures rates based on a 40-year-old man with a 12-mile commute. The sample policy includes a $500 deductible, $100,000 injury liability, $300,000 comprehensive injury liability and $50,000 property damage coverages.
Like in years’ past, expensive German cars are also the most expensive to insure. But the Nissan GT-R Track Edition took the No. 1 honor, at $3,169 per year. Close behind: High-horsepower cars from BMW, Mercedes-Benz, Audi, Porsche and Jaguar.
Among states, Michigan, West Virginia, Georgia, Washington, D.C. and Rhode Island had the highest average insurance rates in the country. (Given Michigan’s high auto theft rate in the Detroit area and the D.C. area’s high rates of reported car accidents, it’s no surprise. Plus, we can’t imagine how far insurance rates in Georgia will rise after all the crashes and vehicle damage from ice storms in the southern states, particularly in the Atlanta area.) Ohio, Maine, New Hampshire, Idaho and Iowa were the five states with the cheapest average rates, in that order.
Have a look at the full top 20 lists below.
Cheapest 2014 models to insure:
- Jeep Wrangler Sport – $1,080
- Honda Odyssey LX – $1,103
- Jeep Patriot Sport – $1,104
- Honda CR-V LX – $1,115
- Jeep Compass Sport – $1,140
- Chrysler Town & Country Touring – $1,140
- Subaru Outback 2.5i – $1,144
- Dodge Journey SE – $1,149
- Honda Odyssey EX – $1,149
- Dodge Grand Caravan SE – $1,158
Priciest 2014 models to insure:
- Nissan GT-R Track Edition – $3,169
- BMW M6 – $3,065
- Mercedes-Benz CL550 4Matic AWD – $3,019
- Mercedes-Benz SLS AMG GT – $2,986
- Porsche Panamera Turbo S – $2,970
- Audi R8 5.2 Spyder Quattro – $2,917
- Mercedes-Benz G63 AMG – $2,887
- Audi A8 L 6.3 Quattro – $2,869
- Jaguar XKR Supercharged – $2,854
- Jaguar XK – $2,610