If you're trying to decide which make to choose for your next car, you should take insurance costs into account. Some vehicles are far more expensive to insure month-to-month, which is why it's a good idea to factor the expense into your budget, especially if you're going to be repaying an auto loan each month as well.

A variety of factors can influence the average insurance cost for a vehicle, including repair expenses, rate of crashes for that model, and the insurer's costs when a vehicle is totaled. High-end models tend to come with higher insurance rates because they're more expensive to fix and tend to be involved in more accidents, according to Fox Business.

Insure.com recently published its list of the least and most expensive vehicles to insure from the 2012 model year, and the Audi R8 Spyder Quattro was found to be the priciest car. The Toyota Sienna LE came in as the least expensive overall, and many other minivans made it into the top 20 list of vehicles with the most affordable insurance rates.

"Minivans have always had a strong showing in our 'least expensive' rankings," said Amy Danise, Insure.com's editorial director. "They regularly prove to be safe, economical vehicles."

Pickups, such as the Hyundai Tucson and the Chevy Silverado, also ranked highly on the less expensive side of the report.

Drivers who are looking to get into their next vehicle can head to New Jersey State Auto Auction to find good deals on a variety of makes and models. Whether they're looking for a car with affordable insurance or want to find a used sports car to save money for the insurance payments, NJ Auto is sure to have a number of cars that will suit your needs.