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2012 Vehicles with Lowest Insurance Costs

2012 Toyota Sienna LE

If you’re shopping for a vehicle with cheap insurance rates, buy a minivan – specifically a Toyota Sienna. According to Insure.com’s ranking of the least expensive 2012 vehicles to insure, the Toyota Sienna LE has the lowest yearly national average insurance rate of $1,111.

Of the 20 least expensive vehicles to insure, the 2012 Toyota Sienna makes the list three times. In addition to the Sienna LE, which is the second trim level of five, the base Sienna is listed twice since it’s available with four- and six-cylinder engines. Other minivans on the cheapest vehicles to insure list are the 2012 Dodge Grand Caravan SXT and Honda Odyssey LX. MSNBC’s Life Inc. reports that the cheapest vehicle to insure last year was also a minivan: the 2011 Chrysler Town & Country LX.

A minivan might not be on every car shopper’s list though. “A minivan says, ‘I am happily married with kids,’” Geoffrey Miller, an evolutionary psychologist and associate professor at the University of New Mexico, told Insure.com. “It says, ‘I am not on the mating market. I care more about safety than flash.’”

There are several vehicles on the list that don’t necessarily convey the soccer mom minivan image, although many are family-friendly vehicles. The 2012 Jeep Wrangler Unlimited Sport, Jeep Patriot Sport, Jeep Compass Sport, Ford Escape XLS and XLT, Kia Sportage, Hyundai Santa Fe GLS and Hyundai Tucson GL are other options for non-minivan shoppers who want to save money on their auto insurance. Several trucks are also on the least expensive vehicles to insure list, including the GMC Canyon, Nissan Frontier (S and SV King Cab), Chevrolet Silverado 1500 (regular and extended cab) and the GMC Sierra K1500 regular cab.

[U.S. News Money: 5 Ways to Save on Auto Insurance]

On the flip side, it’s no surprise that the most expensive vehicles to insure are luxury vehicles and sports cars. The most expensive to insure is the 2012 Audi R8 Spyder Quattro Convertible at $3,384 a year. The remainder of the most expensive list includes high-performance and large luxury vehicles from Mercedes-Benz, Jaguar, Porsche, BMW and Nissan.

2012 Audi R8 Spyder

“A variety of factors can affect a car’s insurance quote, including the frequency of crashes for that model, the cost of repairs, the cost to insurers when a vehicle is declared a total loss and the cost of bodily injury claims,” The New York Times’ Bucks blog reports.

To compile the rankings lists, Insure.com calculated car insurance rates from Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm based on a single 40-year-old male driver with a clean driving record and good credit who drives 12 miles to work each day and has a $500 deductible.

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