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The most and least expensive vehicles to insure in 2016


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If you're looking to buy a car, the sticker price is not the only cost you'll incur.'s annual rankings of the most and least expensive vehicles to insure found a vehicle's price tag does not necessarily correspond to its premium rate.

"Insurance companies base rates on multiple factors, such as cost of repair, safety ratings and the number of claims on a vehicle model. And that's before taking into account your driving record," Penny Gusner, a consumer analyst for, said in a press release.

What's more, when determining premium rates, insurers also factor in metrics such as population density, crime rate, average weather, frequency of claims, and civil services, including road maintenance and emergency response times.

Here are the top five each of the most and least expensive cars to insure in 2016.

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