Most expensive cars to insureDriving like a douchebag isn’t the only thing that makes you pay high insurance premiums. They type of car you drive is also a big factor. Not because it’s expensive to replace, but because of how much it costs to repair, the cost to the insurance company when to declare it a write off and the frequency of accidents for that type of vehicle. This makes it possible for insurance companies to determine the most expensive cars to insure. Given that the frequency of accidents for each model and cost to repair changes every year, this list is not permanent.

Insure.com, a US insurance quote aggregator, came up with this year’s most expensive cars to insure across multiple insurance companies. The quotes were established for a 40-year-old man driving a 2012 model vehicle, who drives 19 km to work each day. Each quote included personal injury cover for up to $100 000 and third party liability for up to $350 000 with an excess of $500. This driver, further, had a clean driving record.

For this profile, the top ten most expensive cars to insure in 2012 are:

10. BMW 750Li Hybrid with an annual premium of $2 641 (R20 373)

9. Mercedes CL65 AMG Coupe with an annual premium of $2 669 (R20 589)

8. Porsche 911 Turbo S Convertible with an annual premium of $2 674 (R20 627)

7. Porsche 911 Turbo Convertible with an annual premium of $2 674 (R20 627)

6. BMW 750i Hybrid with an annual premium of $2 701 (R20 836)

5. Porsche Panamera Turbo with an annual premium of $2 738 (R21 121)

4. Audi R8 4.2 Quattro Coupe with an annual premium of $2 903 (R22 394)

3. Mercedes S600 with an annual premium of $2 948 (R22 741)

2. Mercedes CL600 Coupe with an annual premium of $3 307 (R25 501)

1. Audi R8 Spyder Quattro Convertible with an annual premium of $3 384 (R26 104)

If that’s too rich for your blood, then best you opt for a Toyota Sienna LE, a minivan with the cheapest premium in 2012 at just over $1 000 per year. You may be able to get it cheaper through a different insurance company, if you compare quotes. Fill in our online form to find out.