SUVs and trucks fared much better overall, accounting for most of the best insurance values, while some of the most popular sedans made up a majority of the worst deals.
The larger SUVs are less likely to get damaged in accidents and provide greater protection for drivers and passengers, said Laura Adams, senior analyst at insuranceQuotes.com. They also tend to be driven by more responsible adults (read: middle-aged parents), she said.
Because sedans are smaller, they are more susceptible to damage and are typically driven by younger, riskier drivers. These types of cars are also some of the most stolen vehicles out there — with an active black market for parts — which factors into what drivers must pay to insure them, Adams said.
The top five worst deals are the Ford Focus, Chevrolet Cruze, Honda Civic, Hyundai Elantra and Toyota Corolla.
Even though an Explorer is priced at nearly twice as much as a Focus, which only costs $18,045, the Focus is more expensive to insure, the study found.