Basically, brands like Hyundai, Nissan, Ford, Buick, Chevrolet, and Jeep have cheaper insurance rates. Brands like BMW, Mercedes-Benz, Audi, and Lexus have higher insurance rates. This is simply because more expensive cars have higher repair costs. Check the tables above for the exact makes/models. Another aspect contributing to car insurance costs are statistics (e.g. theft, accidents, etc.) associated with each car make/model.