A cost many forget when buying a new car is that with different cars come different insurance prices. Want to know why? We'll show you with this list of the 20 most expensive cars to insure for 2009.

The folks at Insure.com put together the following list of the most expensive cars to insure, and rather than just regurgitating that list, we've given each some analysis explaining why they cost so dang much to protect it and you from, you know, stuff.

[via thecarconnection, edmunds, insure.com]

20.) Mercedes SL-Class

Price: $98,500
Cost To Insure: $1,577
Curb Weight: 4220 lbs
Engine Displacement: 5.5 liter V8
HP: 382
TQ: 391
Top Speed: 155

Driver Stereotype: Country club golfing tycoon

Jalopnik Insurance Cost Analysis: The amount of insurance claims every year have been on the rise with the Mercedes SL, the majority of which involve dented hoods by way of errantly swung golf clubs.

19.) BMW X6
Price: $66,650
Cost To Insure: $1,584
Curb Weight: 5269 lbs
Engine Displacement: 4.4 liter V8
HP: 400
TQ: 450
Top Speed: n/a

Driver Stereotype: Stay-at-home soccer moms

Jalopnik Insurance Cost Analysis: The ugly and confusing nature of the BMW X6 design has confused many a folk to think they need to kill it with fire, unfortunately at the expense of a much higher insurance premium. Bummer.

18. Honda S2000
Price: $34,995
Cost To Insure: $1,587
Curb Weight: 2864 lbs
Engine Displacement: 2.2 liter inline-four
HP: 237
TQ: 162
Top Speed: n/a

Driver Stereotype: Track day / autocross rat or mid-life crisis'er

Jalopnik Insurance Cost Analysis: We've heard multiple claims of VtEc Yo! drove the price up on these nimble little guys especially when driven under anger at the track.

17. Cadillac Escalade EXT
Price: $61,130
Cost To Insure: $1,592
Curb Weight: 5990 lbs
Engine Displacement: 6.2 liter V8
HP: 403
TQ: 417
Top Speed: n/a

Driver Stereotype: Rap super star / drug-running thugs

Jalopnik Insurance Cost Analysis: The desire to have an Escalade in hip-hop and rap videos has caused an unjust amount of claims due to shitty music permanently affixed to the interiors, resulting in a total loss.

16. Land Rover Range Rover
Price: $77,675
Cost To Insure: $1,603
Curb Weight: 5698 lbs
Engine Displacement: 4.4 liter V8
HP: 305
TQ: 325
Top Speed: 121

Driver Stereotype: Bug eye sunglasses-wearing trophy wife

Jalopnik Insurance Cost Analysis: Too many nose and breast enhancements have resulted in over swelling of the chest and face, blocking access to cell phones and ultimately causing a record number of single vehicle accidents in the Range Rover.

15. Audi R8
Price: $114,200
Cost To Insure: $1,637
Curb Weight: 3605 lbs
Engine Displacement: 4.2 liter V8
HP: 420
TQ: 317
Top Speed: 187

Driver Stereotype: Modest Wall St. U.S. economy killer

Jalopnik Insurance Cost Analysis: When the economy collapsed, brokers rushed to trade in their Lamborghinis in order to pick up the less conspicuous Audi R8. When the public found out they had merely put a wolf in sheep's clothing, all hell broke loose resulting in AIG-crippling insurance claims.

14. Cadillac XLR
Price: $86,215
Cost To Insure: $1,694
Curb Weight: 3647 lbs
Engine Displacement: 4.6 liter V8
HP: 320
TQ: 310
Top Speed: n/a

Driver Stereotype: Bought the crappy Alante, needed updated crappy Cadillac convertible

Jalopnik Insurance Cost Analysis: Large amounts of owners have tried to show off the automatic folding roof in their garages causing both vehicle and residential claims. Tools.

13. BMW M3
Price: $57,850
Cost To Insure: $1,714
Curb Weight: 3704 lbs
Engine Displacement: 4.0 liter V8
HP: 414
TQ: 295
Top Speed: 155

Driver Stereotype: Typically a prick with an ego

Jalopnik Insurance Cost Analysis: Excess amounts of hair gel, collar popping, orange skin and overly bright white teeth have caused many severe accidents due to the dry heaving by oncoming drivers and the subsequent loss of their bodily functions and vehicular control.

12. Jaguar XK
Price: $77,200
Cost To Insure: $1,717
Curb Weight: 3651 lbs
Engine Displacement: 5.0 liter V8
HP: 300
TQ: 310
Top Speed: 155

Driver Stereotype: Grey-haired Florida dweller

Jalopnik Insurance Cost Analysis: The lack of vertical mobility that Grandpa exhibits seems to have gotten plenty like him stuck in the tight Jag, causing emergency crews to use the jaws of life to cut the roofs for extraction.

11. Chevrolet Cobalt SS
Price: $23,425
Cost To Insure: $1,762
Curb Weight: 2926 lbs
Engine Displacement: 2.4 liter turbo inline-four
HP: 260
TQ: 260
Top Speed: n/a

Driver Stereotype: GM faithful in need of SRT4 competitor

Jalopnik Insurance Cost Analysis: Many a Cobalt SS has been lost by its owner, likely getting mixed in with the multitude of other base Cobalts that all look the same, never to be seen or heard from again.

10. Porsche 911
Price: $76,300
Cost To Insure: $1,819
Curb Weight: 3120 lbs
Engine Displacement: 3.6 liter horizontally opposed six-cylinder
HP: 345
TQ: 288
Top Speed: 186

Driver Stereotype: Doctor, Lawyer, Deli Owner

Jalopnik Insurance Cost Analysis: Insurance fraud is exceedingly becoming more and more prevalent since it's the only way owners will be able to afford the next iteration of the 911 that Porsche seems to release on a bi-annual basis.

9. Lexus IS-F
Price: $56,760
Cost To Insure: $1,881
Curb Weight: 3780 lbs
Engine Displacement: 5.0 liter V8
HP: 416
TQ: 371
Top Speed: n/a

Driver Stereotype: Goes against the grain / hates German sports sedans

Jalopnik Insurance Cost Analysis: Simply put; The beige Camry's are NOT happy with this car.

8. Hummer H2
Price: $63,090
Cost To Insure: $1,912
Curb Weight: 6614 lbs
Engine Displacement: 6.2 liter V8
HP: 393
TQ: 415
Top Speed: n/a

Driver Stereotype: Gas guzzling, global warming douche

Jalopnik Insurance Cost Analysis: While driving on the polar ice caps, many Hummers have fallen into the sea due to the rapidly melting ice, effectively causing a global climate change and heavily padding Al Gore's pockets.

7. BMW M5
Price: $85,500
Cost To Insure: $2,020
Curb Weight: 4012 lbs
Engine Displacement: 5.0 liter V10
HP: 500
TQ: 383
Top Speed: 155

Driver Stereotype: Bigger prick than M3 owner, but can afford to be

Jalopnik Insurance Cost Analysis: A BMW M3 owners father. See M3 analysis.

6. Audi S8
Price: $96,200
Cost To Insure: $2,071
Curb Weight: 4586 lbs
Engine Displacement: 5.2 liter V10
HP: 450
TQ: 398
Top Speed: 155

Driver Stereotype: Wealthy, but not ostentatious

Jalopnik Insurance Cost Analysis: Too many drivers pretend they're Jason Statham in the Trasporter films. Need we say more?

5. Mercedes G-Class
Price: $100,250
Cost To Insure: $2,088
Curb Weight: 5510 lbs
Engine Displacement: 5.5 liter V8
HP: 382
TQ: 391
Top Speed: n/a

Driver Stereotype: Urban jungle explorer / poser

Jalopnik Insurance Cost Analysis: The U.S. military continues to mistake the G-Class as one with terrorist intent resulting in an overly large number of them being blown to smithereens by Homeland Security forces.

4. Ford Shelby GT500
Price: $43,125
Cost To Insure: $2,186
Curb Weight: 3920 lbs
Engine Displacement: 5.4 liter supercharged V8
HP: 500
TQ: 480
Top Speed: n/a

Driver Stereotype: Redneck with lottery money

Jalopnik Insurance Cost Analysis: Rednecks + High Power = Carnage. 'Nuff said.

3. BMW M6
Price: $102,100
Cost To Insure: $2,236
Curb Weight: 3909 lbs
Engine Displacement: 5.0 liter V10
HP: 500
TQ: 383
Top Speed: 155

Driver Stereotype: Gas station owner's fake bake tanned brother

Jalopnik Insurance Cost Analysis: A BMW M5 owners brother and M3 owners uncle. See both M3 and M5 analysis.

2. Dodge Viper SRT-10
Price: $88,590
Cost To Insure: $2,446
Curb Weight: 3430 lbs
Engine Displacement: 8.4 liter V10
HP: 600
TQ: 560
Top Speed: 200

Driver Stereotype: Compensation for the little things in life

Jalopnik Insurance Cost Analysis: When the women that get picked up in Vipers realize the owners "shortcomings" they've been known to swiftly and violently act out their revenge, usually with buckets of paint to the interior and a bouquet of keys to the exterior.

1. Nissan GT-R
Price: $79,090
Cost To Insure: $2,533
Curb Weight: 3814 lbs
Engine Displacement: 3.8 liter turbo V6
HP: 480
TQ: 430
Top Speed: 193

Driver Stereotype: Gran Turismo-playing, web 2.0, dot com'er

Jalopnik Insurance Cost Analysis: Massive damage and the loss of hundreds of GT-Rs have occurred when owners realized they could not in fact ride the walls around turns, drive through other cars or reset the game.

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