Insurance Rates By Car and Tips Buying

Average used car insurance rates by year for 2006 to 2018

Year	Make	Model	Average annual rate
2006 Least expensive used car rates
2006	Honda	Odyssey LX	$922
2006	Chrysler	Town & Country	$923
2006	Dodge	Caravan SE	$925
2006	Dodge	Grand Caravan SE	$955
2006	Ford	Escape XLS	$956
2006	Jeep	Wrangler SE	$957
2006	Ford	Escape XLS	$958
2006	Saturn	Vue	$959
2006	Chevrolet	Express G1500	$959
2006	Hyundai	Tucson GL	$963
2006	Toyota	Sienna CE	$964
2006	Chevrolet	Express G1500 LS	$965
2006 Most expensive used car rates
2006	Mercedes	S65 AMG	$2,141
2006	Mercedes	SL65 AMG	$2,016
2006	Mercedes	S600	$1,906
2006	Audi	A8 L Quattro	$1,893
2006	Mercedes	CL500	$1,814
2006	Jaguar	XKR Victory Limited	$1,768
2006	Mercedes	SL500	$1,704
2006	Mercedes	G55 AMG Grand Edit AWD	$1,703
2006	Porsche	911 Carrera 4S	$1,678
2006	Mercedes	S500 AWD	$1,653
2006	Land Rover	Range Rover Westminster	$1,651
2006	Jaguar	XK8 Victory Limited	$1,632
2007 Least expensive used car rates
2007	Honda	Odyssey LX	$936
2007	Dodge	Caravan SE	$937
2007	Chrysler	Town & Country	$944
2007	Ford	Escape XLS	$965
2007	Jeep	Wrangler X	$966
2007	Jeep	Compass Sport	$967
2007	Hyundai	Tucson GLS	$972
2007	Ford	Escape XLS	$972
2007	Saturn	Vue	$972
2007	Chevrolet	Express G1500	$978
2007 Most expensive used car rates
2007	Mercedes	S65 AMG	$2,274
2007	Mercedes	SL65 AMG	$2,073
2007	Mercedes	S600	$2,010
2007	Mercedes	CLS63 AMG	$1,944
2007	Porsche	911 GT3	$1,923
2007	Audi	A8 L Quattro	$1,919
2007	Jaguar	XKR	$1,847
2007	Mercedes	S550 4MATIC AWD	$1,788
2007	Mercedes	SL550	$1,757
2007	Porsche	911 Carrera 4S	$1,748
2008 Least expensive used car rates
2008	Honda	Odyssey LX	$952
2008	Jeep	Wrangler X	$966
2008	Ford	Escape XLS	$986
2008	Chrysler	Town & Country LX	$988
2008	Jeep	Patriot Sport	$990
2008	Chevrolet	Express G1500	$991
2008	Hyundai	Tucson GLS	$997
2008	Honda	CR-V LX	$998
2008	Chrysler	Town & Country LX	$1,001
2008	Dodge	Grand Caravan SE	$1,001
2008	Toyota	Sienna CE	$1,003
2008 Most expensive used car rates
2008	Mercedes	S65 AMG	$2,348
2008	Mercedes	SL65 AMG	$2,187
2008	Porsche	911 GT2	$2,108
2008	Porsche	911 GT3 RS	$2,096
2008	Mercedes	S600	$2,092
2008	Mercedes	S63 AMG	$2,084
2008	Jaguar	XKR Portfolio	$2,026
2008	Mercedes	CLS63 AMG	$1,996
2008	Porsche	911 Turbo	$1,993
2008	Mercedes	SL550	$1,856
2009 Least expensive used car rates
2009	Jeep	Wrangler X	$980
2009	Honda	Odyssey LX	$986
2009	Ford	Escape XLS	$1,001
2009	Subaru	Outback AWD	$1,016
2009	Jeep	Patriot Sport Off Road	$1,020
2009	Volkswagen	Routan SE	$1,023
2009	Hyundai	Tucson GLS	$1,023
2009	Subaru	Outback L.L. Bean AWD	$1,025
2009	Chrysler	Town & Country LX	$1,026
2009	Chevrolet	Express G1500	$1,026
2009	Hyundai	Santa Fe GLS	$1,028
2009 Most expensive used car rates
2009	Mercedes	S65 AMG	$2,421
2009	Mercedes	SL65 AMG	$2,272
2009	Mercedes	SL63 AMG	$2,252
2009	Porsche	911 Carrera GT2	$2,218
2009	Mercedes	S63 AMG	$2,153
2009	Mercedes	S600	$2,149
2009	Mercedes	CLS63 AMG	$2,140
2009	Audi	A8 L Quattro	$2,097
2009	Jaguar	XKR Portfolio SC	$2,076
2009	Chevrolet	Corvette ZR1	$1,992
2009	Nissan	GT-R	$1,983
2010 Least expensive used car rates
2010	Jeep	Wrangler X	$1,000
2010	Honda	Odyssey LX	$1,009
2010	Ford	Escape XLS	$1,031
2010	Ford	Escape XLT	$1,036
2010	Volkswagen	Routan S	$1,037
2010	Honda	CR-V LX	$1,043
2010	Dodge	Grand Caravan Hero	$1,044
2010	Chrysler	Town & Country LX	$1,045
2010	Jeep	Patriot Sport Off Road	$1,046
2010	Toyota	Tacoma	$1,048
2010 Most expensive used car rates
2010	Mercedes	S65 AMG	$2,485
2010	Porsche	911 Carrera GT3 RS	$2,308
2010	Nissan	GT-R	$2,242
2010	Mercedes	S63 AMG	$2,242
2010	Mercedes	CLS63 AMG	$2,229
2010	Mercedes	S600 BI-T Turbo	$2,216
2010	Jaguar	XKR Portfolio SC	$2,176
2010	Porsche	Panamera Turbo	$2,104
2010	Audi	A8 L Quattro	$2,082
2010	Mercedes	S550 4Matic AWD	$2,081
2010	Chevrolet	Corvette ZR1	$2,079
2011 Least expensive used car rates
2011	Honda	Odyssey LX	$1,032
2011	Volkswagen	Routan S	$1,049
2011	Ford	Escape XLS	$1,051
2011	Dodge	Grand Caravan C/V	$1,054
2011	Jeep	Wrangler Sport	$1,056
2011	Honda	CR-V LX	$1,058
2011	Jeep	Patriot Sport	$1,062
2011	Jeep	Compass	$1,065
2011	Toyota	Sienna	$1,066
2011	Toyota	Tacoma	$1,066
2011 Most expensive used car rates
2011	Mercedes	S65 AMG	$2,867
2011	Mercedes	SL65 AMG	$2,678
2011	Porsche	911 Carrera GT2 RS	$2,595
2011	Mercedes	S600 BI-T	$2,588
2011	Mercedes	S63 AMG	$2,583
2011	Mercedes	SL63 AMG	$2,541
2011	Porsche	Panamera Turbo	$2,432
2011	Jaguar	XKR Portfolio SC	$2,429
2011	Nissan	GT-R	$2,355
2011	Porsche	911 Carrera GT3 RS	$2,353
2011	Mercedes	CLS63 AMG	$2,345
2012 Least expensive used car rates
2012	Ford	Escape XLS	$1,056
2012	Jeep	Wrangler Sport	$1,063
2012	Honda	Odyssey LX	$1,067
2012	Jeep	Patriot Sport	$1,072
2012	Dodge	Grand Caravan SE	$1,073
2012	Honda	CR-V LX	$1,073
2012	Dodge	Grand Caravan AVP	$1,077
2012	Hyundai	Tucson GL	$1,078
2012	Volkswagen	Routan S	$1,083
2012	Ford	Transit	$1,084
2012 Most expensive used car rates
2012	Mercedes	S65 AMG	$2,984
2012	Mercedes	SL65 AMG	$2,760
2012	Mercedes	S600 BI-T	$2,678
2012	Mercedes	SL63 AMG	$2,660
2012	Mercedes	S63 AMG	$2,645
2012	Jaguar	XKR Supercharged	$2,562
2012	Porsche	Panamera Turbo S	$2,546
2012	Tesla	Model S Peformance EV	$2,545
2012	Nissan	GT-R	$2,491
2012	Audi	A8 L 6.3 Quattro	$2,448
2013 Least expensive used car rates
2013	Honda	Odyssey LX	$1,070
2013	Honda	CR-V LX	$1,076
2013	Jeep	Patriot Sport	$1,078
2013	Jeep	Compass Sport	$1,094
2013	Hyundai	Tucson GL	$1,097
2013	Jeep	Wrangler Sport	$1,097
2013	Ford	Escape S	$1,097
2013	Dodge	GrandCaravan American Pkg	$1,098
2013	Chevrolet	Express G1500	$1,107
2013	Ford	F-150 XL	$1,112
2013 Most expensive used car rates
2013	Mercedes	S65 AMG	$3,070
2013	Mercedes	SL65 AMG	$2,881
2013	Nissan	GT-R Black Edition	$2,776
2013	Mercedes	S600	$2,767
2013	Mercedes	S63 AMG	$2,749
2013	Mercedes	SL63 AMG	$2,716
2013	Jaguar	XKR Supercharged	$2,679
2013	Porsche	Panamera Turbo S	$2,637
2013	Mercedes	CLS63 AMG	$2,589
2013	Porsche	911 Turbo S	$2,561
2014 Least expensive used car rates
2014	Honda	Odyssey Lx	$1,084
2014	Jeep	Patriot Sport	$1,096
2014	Honda	CR-V LX	$1,097
2014	Jeep	Patriot Sport	$1,106
2014	Jeep	Compass Sport	$1,107
2014	Dodge	Grand Caravan SE	$1,110
2014	Ford	Escape S	$1,110
2014	Jeep	Wrangler Sport	$1,112
2014	Subaru	Outback 2.5I	$1,121
2014	Nissan	Xterra X	$1,123
2014 Most expensive used car rates
2014	Mercedes	SL65 AMG	$2,969
2014	Jaguar	XKR-S	$2,933
2014	Mercedes	SL63 AMG	$2,920
2014	Nissan	GT-R Black Edition	$2,860
2014	Porsche	911 Turbo S	$2,837
2014	Porsche	Panamera Executive	$2,761
2014	Mercedes	S63 AMG	$2,703
2014	Audi	A8 L 6.3 Quattro	$2,607
2014	Mercedes	CLS63 AMG 4MATIC	$2,576
2014	BMW	750i XDRIVE	$2,517
2014	Mercedes	S550 4MATIC AWD	$2,514
2015 Least expensive used car rates
2015	Honda	Odyssey LX	$1,098
2015	Jeep	Patriot Sport	$1,109
2015	Honda	CR-V LX	$1,112
2015	Jeep	Compass Sport	$1,120
2015	Jeep	Wrangler Sport	$1,124
2015	Dodge	Grand Caravan AVP	$1,127
2015	Jeep	Cherokee Sport	$1,129
2015	Ford	Escape S	$1,129
2015	Mazda	CX-5 Sport	$1,131
2015	Nissan	Xterra X	$1,133
2015	Buick	Encore	$1,136
2015 Most expensive used car rates
2015	Mercedes	SL65 AMG	$3,035
2015	Nissan	GT-R Nismo	$3,027
2015	Nissan	GT-R Black Edition	$2,975
2015	Mercedes	S65 AMG	$2,954
2015	Jaguar	XKR-S	$2,927
2015	Mercedes	SL63 AMG	$2,925
2015	Porsche	Panamera Tbo S Executive	$2,866
2015	Porsche	911 Turbo S	$2,853
2015	Mercedes	S600	$2,795
2015	Mercedes	S63 AMG	$2,773
2015	Audi	A8 L 6.3 Quattro	$2,678
2015	Mercedes	CLS63 AMG 4MATIC S	$2,618
2015	Mercedes	S550 4MATIC AWD	$2,613
2015	BMW	Alpina B6 XDrive	$2,585
2016 Least expensive used car rates
2016	Honda	Odyssey LX	$1,113
2016	Honda	CR-V LX	$1,170
2016	Dodge	Grand Caravan AVP	$1,174
2016	Jeep	Patriot Sport	$1,180
2016	Jeep	Wrangler Sport	$1,181
2016	Jeep	Compass Sport	$1,190
2016	Ford	Escape S	$1,194
2016	Buick	Encore Sport Tour	$1,200
2016	Jeep	Cherokee Sport	$1,203
2016	Nissan	Frontier S	$1,204
2016	Nissan	Xterra X	$1,211
2016	Mazda	CX-5 Sport	$1,211
2016	Subaru	Outback 2.5I	$1,217
2016	Chevrolet	Colorado	$1,223
2016	Honda	Pilot LX	$1,226
2016	Hyundai	Tucson SE	$1,227
2016	Chrysler	Town & Country LX	$1,228
2016 Most expensive used car rates
2016	Dodge	GT Viper	$4,048
2016	Mercedes	SL65 AMG	$3,797
2016	Mercedes	S65 AMG	$3,684
2016	Mercedes	S600 BI-T	$3,539
2016	Mercedes	S63 AMG 4Matic	$3,513
2016	Porsche	Panamera S Executive	$3,484
2016	Nissan	GT-R Nismo	$3,476
2016	Mercedes	SL63 AMG	$3,400
2016	BMW	M6 Gran Coupe	$3,309
2016	Land Rover	Range Rover SC AUTOBIO	$3,245
2016	Audi	RS7 Quattro Prestige	$3,229
2016	Porsche	911 Carrera GT3 RS	$3,212
2017 Least expensive models to insure
2017	Honda	Odyssey LX	$1,112
2017	Jeep	Renegade Sport	$1,138
2017	Jeep	Wrangler Black Bear	$1,148
2017	Honda	CR-V LX	$1,170
2017	Jeep	Compass	$1,183
2017	Subaru	Outback 2.5l	$1,187
2017	Jeep	Cherokee Sport	$1,188
2017	Buick	Encore (tie)	$1,190
2017	Jeep	Patriot Sport (tie)	$1,190
2017	Subaru	Forester 2.5l	$1,196
2017 Most expensive models to insure
2017	Mercedes	S65 AMG	$3,835
2017	Dodge	GTS Viper	$3,779
2017	Mercedes	S63 AMG	$3,624
2017	Maserati	Quattroporte GTS	$3,547
2017	Mercedes	S550	$3,502
2017	Mercedes	C43	$3,418
2017	Mercedes	Maybach S600	$3,355
2017	Mercedes	SL65 AMG	$3.322
2017	Nissan	GT-R Nismo	$3,313
2017	Audi	R8 5.2L V10 Quattro	$3,267
2018 Least expensive models to insure
2018	Jeep	Wrangler Freedom	$1,169
2018	Honda	Odyssey LX	$1,181
2018	Subaru	Crosstrek	$1,236
2018	Subaru	Outback 2.5I	$1,238
2018	Fiat	500X Pop	$1,244
2018	Mazda	CX-3 Sport	$1,248
2018	Mazda	CX-5 Sport	$1,248
2018	Jeep	Compass Sport	$1,257
2018	Honda	HR-V LX	$1,257
2018	Ford	Escape S	$1,258
2018 Most expensive models to insure
2018	Mercedes	S65 AMG	$3,890
2018	Mercedes	S63 AMG	$3,670
2018	Mercedes	Maybach S650	$3,558
2018	Porsche	Panamera S	$3,545
2018	BMW	M6 Gran Coupe	$3,493
2018	BMW	Alpina B7 XDrive	$3,465
2018	BMW	I8	$3,460
2018	Nissan	GT-R Nismo	$3,458
2018	Mercedes	SL65 AMG	$3,449
2018	Mercedes	AMG GT S	$3,430

This year, the national average is $1,457, which is only a $92 increase from last year ($1,365).

Rank	State	Average premiums
1	Michigan	$2,611
2	Louisiana	$2,298
3	Florida	$2,219
4	Oklahoma	$1,966
5	DC	$1,876
6	California	$1,846
7	Rhode Island	$1,834
8	Delaware	$1,828
9	New York	$1,789
10	Texas	$1,779
11	Georgia	$1,777
12	Colorado	$1,761
13	Connecticut	$1,640
14	Wyoming	$1,602
15	Montana	$1,600
16	Kentucky	$1,594
17	Arkansas	$1,566
18	Maryland	$1,546
19	Nevada	$1,525
20	New Jersey	$1,520
21	West Virginia	$1,472
22	Arizona	$1,449
23	South Carolina	$1,433
24	Mississippi	$1,409
25	Washington	$1,401
26	Kansas	$1,398
27	New Mexico	$1,382
28	Minnesota	$1,362
29	Tennessee	$1,297
30	Illinois	$1,296
31	Nebraska	$1,291
32	Alabama	$1,287
33	Oregon	$1,286
34	Hawaii	$1,275
35	Missouri	$1,272
36	South Dakota	$1,262
37	Massachusetts	$1,245
38	Utah	$1,206
39	Pennsylvania	$1,187
40	Alaska	$1,183
41	Indiana	$1,181
42	Ohio	$1,175
43	North Dakota	$1,164
44	Vermont	$1,100
45	North Carolina	$1,095
46	New Hampshire	$1,087
47	Virginia	$1,063
48	Iowa	$1,047
49	Idaho	$1,040
50	Wisconsin	$951
51	Maine	$845

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If you call any of these states home, your insurance bills will be higher (and in some cases much higher) than the national average. The reason varies. It may be a unique insurance system, loads of uninsured drivers or just plain high population density. Here are the top five most expensive states for car insurance, read them and weep.

#1 Michigan: Life-time unlimited benefits

This is the sixth year in a row Michigan has topped our list, and the state has never managed a finish lower than third since Insure.com started the ratings. This is primarily due to its unique insurance system.

The average annual premium in Michigan came in at $2,611. This is a huge leap from last year, a $372 jump to be exact. It also puts Michigan a whopping 79 percent above the national average of $1,457.

The major issue in Michigan is its insurance system. Michigan has a very unique no-fault car insurance scheme, which requires all drivers to carry Personal Injury Protection (PIP) coverage. PIP helps cover medical expenses that the policyholder, family members or even passengers that are injured in a car accident incur. (Read: The Importance Of Having Insurance Vehicle)

The difference between Michigan and other PIP states is the coverage limits. The majority of other states that use a PIP system put a reasonable limit on PIP coverage amounts. However, Michigan guarantees unlimited, lifetime medical benefits to auto accident victims, which dramatically increases an insurer's risk, and your premium.

#2 Louisiana: Lots of uninsured drivers, lots of lawsuits

Louisiana is back in the second spot for the third year in a row. It has been in the top five every year we've done the study. The average premium in the Pelican State hit $2,298, which is 58 percent more than the national average.

In Louisiana, the big factor bumping up rates is uninsured and underinsured drivers who like to sue each other.

The IRC study found that roughly 13 percent of Louisiana drivers don't have car insurance. in addition to this, almost 40 percent are carrying the absolute minimum coverage levels, according to Louisiana Insurance Commissioner Jim Donelon.

State-required minimum coverage levels vary by state and in Louisiana all drivers must carry:

Bodily injury liability: The minimum is $15,000 per person and $30,000 per accident

Property damage liability coverage: The minimum is $25,000

While these aren't the lowest minimums, these coverage levels will quickly be eaten up in even a semi-serious accident. This leads many drivers to turn to the legal system to get a higher payout. Louisiana Watchdog reports that Louisiana lawsuit costs are amount the highest in the U.S., with annual expenses nearly hitting $7 billion, 20.6 percent higher than the national average. Auto accidents are the largest portion of the tort system costs reaching nearly 3.4 billion.

#3 Florida: High-risk drivers, highest rate of uninsured drivers

The Sunshine state stayed in the third spot with an average premium of $2,219, which puts it 52 percent above the national average.

Uninsured drivers are a big factor for Florida with the IRC study ranking this state as having the highest rate of uninsured drivers in the nation. The survey estimates that 26.7 percent of drivers are out on the road without insurance. When a quarter of drivers are uninsured, it will absolutely increase the cost of insurance for everyone.

While Florida has more than its share of uninsured drivers it's not the only factor affecting car insurance rates. It is home to an estimated 21.3 million people and not all of them fall into the right category for insurers.

"Florida has a larger percentage of riskier drivers," points out Karen Kees, press secretary at the Florida Office of Insurance Regulation. "There are a high number of students due to the many universities in Florida, older drivers due to the large number of retirement communities, and drivers unfamiliar with the local roads due to our popularity with tourists."

#4 Oklahoma: Uninsured drivers, severe weather claims

The Sooner State made a dramatic jump up the list this year, going from 13th in 2018 to number four this year. The average premium in Oklahoma was $1,966 or 35 percent above the national average.

Oklahoma has a couple of problems that help jack up insurance rates. "Automobile insurance rates are higher mainly because of the catastrophic storms Oklahoma experiences and the rather large number of uninsured motorists," says Wayne Stewart, rate and form analyst with the Oklahoma Insurance Department.

Located in Tornado Alley, Oklahoma has experienced plenty of severe weather that leads to expensive claims for insurance companies and those costs end up hitting everyone's premium.

According to a Farmers Insurance report, Oklahoma ranked sixth for hail damage claims from 2013 to 2017. Farmers' data shows that 63 percent of their comprehensive auto insurance claims were connected to hail damage.

Uninsured drivers are the second major factor in Oklahoma that raises insurance rates. Officials with the Oklahoma Department of Public Safety estimated that roughly 600,000 Oklahoma residents were driving without valid car insurance. The IRC study says Oklahoma's uninsured driver rate is 11 percent.

#5 Washington D.C: Densely populated, fewer minor claims

Washington D.C. closes out the top five with an average annual premium of $1,876, putting it 29 percent above the national average. D.C. moved up one spot after finishing in sixth last year.

The big reason that D.C. makes the cut is population density. The entire district is basically an urban area, which leads to higher insurance rates. According to Census information, D.C has a population density of 11,020 people per square mile. While this number is certainly smaller than New York City, which clocks in at 28,256 people, it puts it well above other large cities, such as Houston and even Los Angeles.

Highly-populated cities often have higher crime, claim and vandalism rates, which means insurers have to charge higher rates to cover their costs. Tons of cars crammed into a small space leads to more accidents, which leads to claims, which ends in high car insurance rates.

High rates of disposable income can also push up insurance rates and D.C definitely falls into that category. 24/7 Wall Street reviewed 2017 income levels to identify the 25 richest cities in America and the nation's capital finished third.

How much auto insurance coverage to buy for your used car

• Before getting quotes, map out what levels of comprehensive, collision and liability insurance you want.
• Remember to be sure you compare rates for the exact same coverage levels -- an apples to apples comparison -- as you shop around. 
• The level of insurance you need for your used car depends on your vehicle and situation. For instance, an older car may not need as much insurance as a one-year-old car.
• One caveat: Insurance companies take an entire model's claims history when devising rates. This means you will likely pay higher auto insurance rates regardless of your driving record if your car's model is often stolen, gets into many accidents or its drivers receive many tickets.
• When choosing auto insurance, the first thing you need to decide is how much liability insurance to get.

How much liability insurance you need

Liability insurance covers injuries to people in another vehicle or property if you're legally liable for an auto accident. Every state except New Hampshire requires at least a minimum level of liability insurance.

Liability insurance protects you and your assets in case of an accident. A used car can do as much damage to people and property as a new car so getting the right level of liability insurance is important.

Liability coverage is broken into two types: bodily injury and property damage. Though state minimums are much less, experts say you should get at least:

• $100,000 coverage for bodily injury per person
• $300,000 coverage for bodily injury per accident
• $100,000 property damage for your vehicle

The higher the coverage the better since if your limits are exceeded you'll be personally responsible.

Read: 7 Car Insurance Best 2019 and Tips Selecting It

Insuring a new, used car before you drive it

• You'll need auto insurance before you drive off the lot or away from the curb of a private owner, so it's a good idea to contact your insurance company before making the purchase. That way, you can have that settled before you buy the car and then potentially forget and get into trouble with your insurance company – and finance company if you financed your used vehicle. You don't want the finance company placing "forced" insurance on your vehicle at a very high cost. And make it clear if you are replacing a vehicle on your policy or adding an additional car to it, as that can make a difference on if there is immediate coverage with your current policy.
• If you already own a vehicle, generally you can transfer your insurance to your new vehicle for at least a few days. It depends on your insurance company's policy and state laws on if there is coverage you're your current policy and if so how soon you need a new insurance policy for your "new" car.
• If you buy a vehicle over the weekend, you'll want to contact your insurance company before making the purchase.
• If buying a vehicle from a private party and you'll be making payments to the seller, to insure the car you will need to title it in your name. You need the seller to sign over the title to you and then put himself on the title as a lienholder, this allows you to title and insure the car and him to protect himself that you'll pay for the car – or he can take legal action.

Link Source: https://www.inrce.com/2019/05/insurance-rates-by-car.html

Insurance Rates By Car and Tips Buying 2019-05-17T18:17:00-07:00 Rating: 4.9 Diposkan Oleh: Presiden Jokowi

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