There’s no question that family cars, compact crossovers and SUVs and minivans are, generally speaking, the cheapest used cars to insure. Data from the experts bear this out, so we took a look at what they had to say on the cars that cost the least amount to insure., in its listing of 2010 least and most expensive vehicles to insure, shows that the top-ranked vehicle on the list of least expensive to insure is the 2010 Kia Sedona minivan. That’s followed by the number two vehicle in terms of annual insurance cost, the 2010 Mazda Mazda5 wagon. Chrysler’s PT Cruiser wagon slots in at the number five spot and the 2010 Subaru Outback wagon is number eight. The mid-size Kia Optima sedan is number nine on the list, while the Mercury Milan, Buick LaCrosse, and Ford Taurus fall in at number 13, 14 and 15, respectively.

Another minivan, the 2010 Toyota Sienna, is in 21st place of cheapest used cars to insure.

Looking at the listing of least and most expensive vehicles to insure for 2011, as reported in’s Kicking Tires, we can see that the annual cost to insure vehicles ranges from $1,091.80 for the 2011 Chrysler Town & Country LX minivan to $1,167.93 for the 2011 Honda Odyssey EX minivan (number 19 out of the top 20).

In between are the four-cylinder Toyota Sienna and Sienna LE minivans (number three and four, respectively), the V-6 Honda Odyssey LX (number four), the V-6 Honda Odyssey EX (number seven), and the V-6 Toyota Sienna (number eight) and the Chrysler Town & Country Touring with V-6 power (number 18).

Of course, what you pay to insure your vehicle depends not only on the driver’s driving history, but also on the given vehicle’s propensity to be involved in crashes, how much it costs to repair that type of vehicle, and other factors.

As a general rule, again, based on statistical evidence of crashes, family vehicles tend to cost less to insure than performance or sporty vehicles or those considered luxury vehicles.

So, how do you know what it will cost to insure a particular used car you’re looking to buy? Check out quotes from multiple insurance companies and also compare rates before you buy.

Don’t let insurance be the only factor you consider when buying a used car, but keep in mind that insurance is something you have to have. It’s not a luxury. And you do have to buy it every year. It may pay to trade off certain makes and models to get one that has a lower annual cost of insurance.

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