ADVERTISEMENT

The Ford Edge, which generally has garnered good reviews as a comfortable and affordable crossover vehicle, topped the Insure.com list this year for drivers looking for the biggest bargain on car insurance.

The SE model was the cheapest vehicle to insure among about 750 reviewed by the price-comparison website for the 2013 model year.

Crossovers and SUVs dominated as the least expensive vehicles to insure – including models from Jeep, Kia and Hyundai – highlighting a shift away from minivans as the go-to vehicle for families. Family vehicles generally report fewer crashes, which holds down expensive insurance claims.

The Honda Fit, squeaking in at No. 19, was the only small car to make the Top 20.

Not surprisingly, luxury cars with powerful engines and European pedigrees led the rankings of the most expensive cars to insure. Mercedes-Benz models dominated, taking eight of the Top 10 and 11 of the Top 20 slots.

Vehicles with the highest price tags tend to cost more to insure because the value pushes up repair and replacement costs. Luxury cars often are made in limited numbers, which jacks up repair costs.

Other factors that affect premiums include frequency of accidents, bodily injury claims and incidence of theft.

Insure.com’s nationwide rankings were based on average car insurance rates from six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm) in 10 ZIP codes per state.

The sample driver was a single, 40-year-old male commuting 12 miles to work each day with certain policy limits, a $500 deductible on collision and comprehensive coverage, plus a clean driving record and good credit.

Based on that criteria, the average annual premium for the Ford Edge SE was $1,128. That compared with an average annual insurance bill of $3,357 for the most expensive vehicle to cover: the Mercedes-Benz CL600 with a sticker price of about $160,000.

For the complete rankings, visit www.insure.com.