Shopping for a car? Don’t forget to check more than just the sticker price, those annual insurance premiums can sneak up fast. In this video, we’ll spotlight the 10 vehicles that carry the highest insurance costs (think luxury exotics, high speed, rare parts) and contrast them with the 10 that come in well below average, offering much smarter ownership value. From sports-sedans with big repair bills to everyday SUVs where insurers see less risk, we’ll break down why some models cost more to cover and which ones give you insurance peace of mind. Whether you’re budgeting for that daily driver or dreaming of something special, this guide helps you see the full cost picture. Press play and drive with smarter insight.