Honda's Acura ZDX and two Audis, the TTS and A5, are the most expensive cars to insure, and the Kia Sedona, Mazda5 and Ford Escape are cheapest, says an online insurance comparison provider.  But figuring it all out isn't simple. It all comes down to what insurers call "loss history," which is the total amount of money that an insurance company will have to pay out in the advent of a totaled vehicle.  It's not surprising then to see more affordable family haulers on the least-expensive-to-insure list and, conversely, expensive SUVs, luxury cars and sports cars on the most-expensive rankings.  However, that's not the whole story. According to InsWeb, an online insurance comparison provider, a model's loss behavior doesn't only have to do with how much it cost to repair a given model. It also has to do with the likelihood that the given model will be involved in an accident. InsWeb says model loss formulations factor in the history of past individuals who've driven the given model and have been involved in accidents. Again, it's not surprising that cars like the Chevrolet Corvette and Cadillac Escalade are more prone to accidents due to their owners.  Reached for comment about the ZDX, Acura spokesman Gary Robinson says the ZDX is so new that there really isn't much crash data on it yet. And it's a niche vehicle that hasn't seen a lot sold yet. There has been no feedback from owners that their insurance costs are high. "It's a strange statistic in a strange story," he says.  Here's the list of the Top 10 most expensive cars to insure:  1. Acura ZDX 2. Audi TTS 3. Audi A5 4. Cadillac Escalade 5. Chevrolet Corvette 6. BMW Z4 7. Lexus SC 430 8. Jaguar XF 9. Cadillac STS 10. Dodge Challenger  And the 10 least expensive vehicles to insure:  1. Kia Sedona 2. Mazda5 3. Ford Escape 4. Hyundai Santa Fe 5. Mercury Mariner 6. Chrysler PT Cruiser 7. Ford Explorer 8. Subaru Outback 9. Kia Optima 10. Chevrolet Equinox  To report corrections and clarifications, contact Standards Editor  . For publication consideration in the newspaper, send comments to  . Include name, phone number, city and state for verification. To view our corrections, go to
Acura ZDX leads list of Top 10 costliest cars to insure - Drive On: A conversation about the cars and trucks we drive - USATODAY.com