With gas prices going nowhere but up, SUVs are costly enough to operate — you don't need a steep insurance bill making things worse. Many of the variables influencing your insurance rate are difficult to change: where you live, your driving record, your yearly mileage, and so on.

But if you're still in the market for a ute, take comfort in knowing there's one aspect of your insurance equation that you can easily influence: the kind of SUV you drive. The make and model of your vehicle plays a significant part in determining your auto insurance rate. It makes sense, then, to consider this factor when deciding on a new ride.

With this in mind, we've compiled a list of the 10 SUVs most likely to command the lowest insurance premiums based on five-year projections from the Edmunds.com True Cost to Own^SM (TCO) pricing system. Each model's ranking reflects the trim level with the lowest projected insurance expense.

1. 2006 Chevrolet Tahoe



2. 2006 GMC Yukon



3. 2006 Honda CR-V



4. 2006 Ford Escape



5. 2006 Mazda Tribute



6. 2006 Saturn Vue



7. 2006 Hyundai Santa Fe



8. 2006 Nissan Xterra



9. 2006 Hyundai Tucson



10. 2006 Honda Element