Freds430

Three Lexus models made the list including the ES300H, GS 350 and the IS200t. Hard to believe my ES 300h is 23rd, a hybrid but the ES 350 did not make it. With the Tesla Model X and Model S #1 and #2, the difference payed in insurance is more then any savings in electricity over gas. The Model 3's insurance is more then a Porsche.

https://247wallst.com/special-report...s-to-insure-2/

Toys4RJill

I would assume the 300h is more costly to repair because of the added battery and wiring etc than the ES350.

mmarshall

There is also the added electric motor.

bitkahuna

iTrader: (20)

i think a lot of those say more about 2 factors... cost to repair, and type of driver.

Sulu

Here is the list, from least to most expensive:

25. Nissan Versa
24. Hyundai Accent
23. Lexus ES 300h 4dr
22. Chevrolet Sonic
21. Lexus GS 350 4dr
20. Kia Forte
19. Kia Rio
18. Nissan Maxima
17. Mitsubishi Mirage
16. Ford Mustang 2dr
15. Hyundai Sonata hybrid
14. Land Rover Range Rover 4dr 4WD
13. Chrysler 200
12. Lexus IS 200T 4dr
11. Infiniti Q50 4dr
10. Dodge Challenger
9. Chevrolet Camaro 2dr
8. Scion/Toyota FR-S/86 series
7. Kia Optima Hybrid
6. Dodge Charger HEMI
5. BMW 4 Series 2dr
4. Mitsubishi Lancer
3. Mercedes-Benz S-Class 4dr LWB
2. Tesla Model S 4dr Electric 4WD
1. Tesla Model X 4dr Electric 4WD

Here are some of my thoughts about the cars on the list (but note that this list is American and I am speaking from Canadian experience).

There are, by my count, 7 small cars. This matches my experience when I switched from a Camry to a Corolla a few years back, in an effort to save money -- my insurance costs rose quite noticeably. When I asked my broker about this, it was explained to me that small cars cost more to fix.

There are 3 hybrids on the list, and surprisingly, the Hyundai Sonata Hybrid and Kia Optima Hybrid are both more expensive to insure than my ES 300h, which has a more complex hybrid system (with 2 motor-generators compared to only 1 motor-generator in the Korean twins). Perhaps the proliferation of the Toyota Hybrid System makes Toyota and Lexus hybrid vehicles much cheaper to fix now. But there are no other hybrids in this list. Perhaps there are so few other hybrids (especially luxury-brand hybrids) on the market that there is not enough data for comparison purposes.

Also surprising to me is that when I switched from the Corolla to the ES 300h, my insurance costs dropped quite noticeably; my insurer gives me a discount for driving a green car.

There are 3 Lexus models, all sedans; no RC or LC coupes; no LX, GX RX, NX or UX SUVs/CUVs (but it may yet be too early to know how much it costs to insure the UX); and no LS!

The inclusion of the Chrysler 200, a mainstream, mass-market mid-size sedan surprised me. Perhaps the fact that it is so rare and since discontinued makes it expensive to fix.

The inclusion of the 2 large Tesla models does not surprise me, given that Tesla insists on fixing them all rather than allowing independent shops to fix them.

UDel

Why is a GS350 so expensive to insure? I noticed when I got insurance it was pricey, couldn't get it down much. My RWD GS430 did not cost much to insure even when I first got it and I was younger, yet the agent kept trying to tell me my AWD GS350 was considered a sports car when I was asking why it was so pricey to insure. Telling him it only had a 6 cylinder, it was a 4 door, and was AWD, it was a non F Sport made no difference.

AgentWin

I'm surprised both my vehicle isn't on there.

situman

My insurance dropped when I moved to the gx460 from the gs350. Quite a pleasant surprised since I was expecting the GX to cost more during repairs with a frame and a body and etc.

Bob04

No Corvette? Thought that would have been high on the list.

rogerh00

That is interesting about the Tesla's high premium. It's something I hadn't considered before when looking at EV's. It would definitely be a factor now. No Rav4 hybrid on the list, I have think it would be in the middle of the pack.

Allen K

iTrader: (4)

Combination of expensive labor rates in Tesla authorized body shops, limited spare part availability, and relatively new market segment (BEV). It also varies tremendously depending on the insurance co. I'm paying $30 more per year for my 3P vs. my GS and my wife's LR AWD dropped her rate by about the same from her previous CX-5. It's a give and take. Insurance might be a bit more, but electricity is generally cheaper than gas and there is no scheduled maintenance. Maybe a tire rotation if you see uneven wear.

JDR76

My GS350 insurance is pretty terrible. Comprehensive is a little cheaper on the GS than on my Highlander, but Collision is about double for the GS.

SW17LS

My insurance also dropped when I went from the GS350 to the LS460

-J-P-L-

Tesla's high repair costs don't relate to it being an EV but rather Tesla's designs are unconventional and accidents are much more consequential. Take a look at the trunk lid on a Model 3. There's a reason no other automaker does it that way. There's owner accounts documenting minor rear end fender benders ranging from $15-35K to repair a minor crash. Not to mention taking months to fix. A crash that would be maybe $3-4K on a normal car.

Allen K

iTrader: (4)

My wife's 3 was hit in a parking lot by an Odyssey mostly rear fender damage. $12K in repairs, 1 month for parts, 1 month for actual repairs. Damage wasn't that bad but the labor rates were at least double ($125 across the board) of the 'normal' posted rates and they also had to preemptively buy additional rear glass because 9/10 repairs they do break that specific piece of glass. They did a great job though