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To determine the 25 Cars with the highest insurance costs, 24/7 Wall St. reviewed data on insurance claim payments made by insurers by make and model, provided by the Insurance Institute for Highway Safety, a nonprofit research organization funded by auto insurers. The costs include six types of insurance: collision, property damage, comprehensive, personal injury, medical payment, and bodily injury. The model that is most expensive to insure had the highest overall average cost to the insurer per year. These data are for 575 vehicles of 2014-2016 model years sold in the United States. No. 25 is the Kia Forte: Annual average insurance paid: $1,155.82; Annual collision insurance paid: $425.10; Type: Small four-door; Retail price:$16,800. Bruce Benedict, KIA 178 The study, conducted by the Institute for Health Metrics and Evaluation at the University of Washington, attempts to measure "human capital": a metric that describes "the attributes of a population that, along with physical capital such as buildings, equipment, and other tangible assets, contribute to economic productivity." It is defined, in context of this study, as "expected years lived between the ages of 20 and 64," adjusted for functional health status and education, or "learning."

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