As an insurance agent, I often find myself guiding clients through the intricate landscape of auto insurance, and one of the most consistent questions revolves around premiums. While many personal factors like your driving record, location, and credit score significantly influence your car insurance rates, the vehicle you choose to drive plays an equally pivotal role. Understanding which cars fall into the ‘high-risk’ category is crucial, especially as car insurance costs are on the rise across the board, making it even more important to make informed decisions before a purchase.
For 2025, a distinct set of high-performance and luxury vehicles stands out for their notably elevated insurance premiums. These aren’t just minor adjustments; we’re talking about costs that can be significantly higher than the national average. The primary drivers behind these steep rates are consistent: a substantial sticker price, the integration of top-of-the-line technology, and the inevitably high costs associated with their repair and replacement.
Indeed, as Carole Walker, executive director of the Rocky Mountain Insurance Information Association, aptly points out, “Sports cars and high-end luxury vehicles are usually much more expensive to insure because of repair costs. The finishes in these vehicles are often much more expensive than the materials used in a more moderately priced vehicle.” This insight underscores the core principle that an insurer’s potential liability for repair or replacement directly translates into the premium you pay. Let’s delve into the first seven vehicles that demand the highest insurance premiums for 2025, dissecting the precise reasons behind their classification as high-risk assets.
1. **Maserati Quattroporte**Topping our list as the most expensive car to insure in 2025 is the Maserati Quattroporte, a luxury sedan that commands an average annual premium of $7,090. This figure is a staggering 274% more than the national six-month full coverage average of $947.50, highlighting the extreme financial implications of insuring such a vehicle.
This Italian beauty comes with a multitude of “red flags” from an insurer’s perspective. Its starting sticker price of $139,000 places it well beyond the reach of the average driver, immediately increasing the replacement cost an insurer would face if the vehicle were totaled or stolen. The Quattroporte’s powerful engine, boasting 424 horsepower, also contributes to its high-risk profile, as powerful vehicles are statistically associated with a higher likelihood of high-speed incidents and subsequent substantial claims.
The interior is another significant factor, loaded with expensive finishes that escalate repair costs. Features such as premium leather seats, the exquisite Ermenegildo Zegna silk, and carbon fiber accents are not only luxurious but also costly to replace or repair after any incident. These specialized materials often require highly skilled technicians and unique parts, driving up labor and material expenses for insurance companies.
Furthermore, Maseratis are unfortunately known targets for car thieves. The increased risk of theft directly influences insurance premiums, as carriers must factor in the potential cost of replacing a stolen vehicle. This combination of high value, performance capabilities, luxury materials, and theft vulnerability makes the Quattroporte a prime example of a vehicle with a sky-high insurance premium.
Car Model Information: 2012 Maserati Quattroporte S
Name: Maserati Quattroporte
Caption: Maserati Quattroporte VI
Manufacturer: Maserati
Production: 1963–1969,1971,1974–1990,1994–2001,2003–2012,2013–2023
Assembly: Modena,Grugliasco,Turin
Class: Full-size luxury car
BodyStyle: Sedan (car)
Sp: uk
Categories: 1970s cars, 1980s cars, 1990s cars, 2000s cars, 2010s cars
Summary: The Maserati Quattroporte (Italian pronunciation: [ˌkwattroˈpɔrte]) is a four-door full-size luxury sedan produced by Italian automobile manufacturer Maserati. The name translated from Italian means “four doors”. The production of the sixth generation ended in late 2023, with the first generation introduced in 1963.
Get more information about: Maserati Quattroporte
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Brand: Maserati Model: Quattroporte
Price: $12,980 Mileage: 82,851 mi.
Read more about: Long-Term Costs: 7 Sedans That Can Exceed $10,000 in Maintenance Over Their First 7 Years
2. **Maserati Ghibli**Following closely behind its Quattroporte sibling, the Maserati Ghibli secures its position as another one of the most expensive cars to insure. While slightly more “affordable” than the Quattroporte, with a starting price of $109,500, it still incurs a substantial annual insurance cost of approximately $6,313 for the Ghibli Modena Ultima Q4 and up to $6,460 for the Ghibli Trofeo 334 Ultima.
The Ghibli shares many characteristics with the Quattroporte that contribute to its high insurance premiums. It features a robust V6 engine, also delivering 424 horsepower, which, as discussed, is a key indicator of higher accident risk and severity. The performance capabilities of such a vehicle suggest it is designed for more aggressive driving, a factor insurers weigh heavily.
Like other luxury models from the brand, the Ghibli is equipped with premium interior finishes and advanced technology. These components, while enhancing the driving experience, significantly increase the cost of repairs. Any accident, even a minor one, can lead to expensive bills for specialized parts and expert labor, directly impacting insurance rates.
Its high market value and desirability also place it on the radar for car thieves, similar to the Quattroporte. Insurers account for this elevated theft risk when calculating premiums, adding another layer to the overall cost of ownership. For potential buyers, understanding these interconnected factors is essential to accurately budget for annual insurance expenses.
Car Model Information: 2014 Maserati Ghibli Base
Name: Maserati Ghibli
Caption: 2018 Maserati Ghibli GranLusso
Manufacturer: Maserati
Assembly: Modena,Grugliasco,Turin
Class: Grand tourer,Executive car
BodyStyle: fastback,coupé,Roadster (automobile),Sedan (automobile)
Production: AM115: 1967–1973,AM336: 1992–1998,M157: 2013–2023
Categories: 1970s cars, 1990s cars, 2010s cars, Articles with short description, CS1 Italian-language sources (it)
Summary: Maserati Ghibli is the name of three different cars produced by Italian automobile manufacturer Maserati: the AM115, a V8 grand tourer from 1967 to 1973; the AM336, a V6 twin-turbocharged coupé from 1992 to 1998; and the M157, an executive saloon from 2013 to 2023.
Ghibli is the Libyan Arabic name for the hot dry south-westerly wind of the Libyan desert.
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Brand: Maserati Model: Ghibli
Price: $10,980 Mileage: 83,121 mi.
Read more about: Long-Term Costs: 7 Sedans That Can Exceed $10,000 in Maintenance Over Their First 7 Years
3. **BMW M8 Gran Coupe**The BMW M8 Gran Coupe, a quintessential performance car, commands an annual insurance premium of $5,985, positioning it firmly among the most expensive vehicles to protect. This model is engineered for aggressive driving, a characteristic that inherently leads to higher insurance costs.
Carl Anthony, managing editor of Automoblog and AutoVision News, notes that “The M8 Competition models sit at the top of BMW’s M lineup and are the epitome of performance and luxury.” This statement perfectly encapsulates why this vehicle carries such a high premium. Under its hood, a powerful 4.4-liter V-8 engine unleashes 617 horsepower, accompanied by track-ready cooling systems. Such formidable power amplifies the risk of high-speed incidents and the resulting severity of damages.
The M8 Gran Coupe’s ability to reach 190 mph with the M Driver’s pack further underscores its performance orientation, making it a statistical outlier for potential high-speed accidents. Beyond raw power, the vehicle is laden with advanced technology and luxurious appointments. A 12.3-inch digital gauge cluster, 16-way power seats, and optional carbon fiber seats are examples of high-value components that drive up repair expenses.
Anthony further elaborates that “Performance cars like the BMW M8 will be more expensive in every aspect, from the starting MSRP and routine service visits to the monthly insurance payment.” This holistic view confirms that the combination of its high performance, cutting-edge technology, and opulent finishes makes the BMW M8 Gran Coupe a significant investment, both at purchase and in ongoing insurance costs.
Car Model Information: 2024 Kia Sorento S
Name: BMW M8 (F91/F92/F93)
Manufacturer: BMW M
Production: July 2019–present
Assembly: BMW Group Plant Dingolfing
Designer: Marcus Syring, Jacek Pepłowski
Class: Grand tourer
BodyStyle: ubl
Related: BMW 8 Series (G14),BMW XM
Engine: BMW N63#S63B44T4
Transmission: ZF 8HP transmission,Automatic_transmission#Hydraulic_automatic_transmissions
Wheelbase: F91/F92: {{convert,2822,mm,0,abbr=on
Abbr: on
Length: unbulleted list
Width: {{convert,1907,-,1943,mm,in,1,abbr=on
Height: unbulleted list
Weight: unbulleted list
Predecessor: BMW M6#F06/F12/F13 M6 (2012–2018),BMW i8
ModelYears: 2019–2025
Categories: Articles with short description, BMW vehicles, Cars introduced in 2019, Commons category link is on Wikidata, Convertibles
Summary: The BMW M8 is the high-performance version of the BMW 8 Series (G15) marketed under the BMW M sub-brand.
Introduced in June 2019, the M8 was initially produced in the 2-door convertible (F91 model code) and 2-door coupe (F92 model code) body styles. A 4-door sedan (F93 model code, marketed as ‘Gran Coupe’) body style was added to the lineup in October 2019. The M8 is powered by the BMW S63 twin-turbocharged V8 engine shared with the BMW M5 (F90).
Get more information about: BMW M8
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Brand: BMW Model: M8 Gran Coupe
Price: $24,005 Mileage: 35,296 mi.
Read more about: Unearthing Hidden Performance: 14 Underrated Sports Cars That Defy Expectations for Today’s Performance Seekers
4. **Audi RS7**The Audi RS7, a luxury sports sedan, presents a compelling blend of upscale finishes and a formidable engine, a combination that consistently translates into a substantial insurance bill. With an average annual insurance rate of $5,792, it stands as a testament to how performance and luxury impact premiums.
Under the hood, the Audi RS7 houses a powerful V-8 engine capable of churning out 621 horsepower, allowing it to hit a top track speed of 196 mph. Insurance companies rigorously assess such performance metrics, as vehicles with higher horsepower and top speeds are statistically more prone to severe accidents. The potential for higher-impact collisions naturally leads to more expensive claims.
Starting at $128,600, the vehicle’s sticker price is a critical component in premium calculation. Insurers must consider the cost of replacing the entire vehicle if it is damaged beyond repair or stolen. A higher initial value directly correlates with a higher potential payout for the insurance carrier, thereby increasing the premium charged to the owner.
Moreover, the RS7 is replete with expensive finishes and sophisticated technology, typical of luxury vehicles. From advanced driver-assistance systems to premium interior materials, these components are costly to repair or replace. The specialized nature of these parts and the expertise required for their service add significantly to labor costs, making any repair a high-ticket item for insurers.
Read more about: The 13 Worst-Selling Cars of the Last 7 Years: Why These Models Are Now Hugely Discounted and How to Avoid Costly Mistakes
5. **Mercedes-AMG EQS**The Mercedes-AMG EQS, a luxurious electric vehicle, merges high performance with advanced electric drivetrain technology, resulting in an average annual insurance cost of $5,648. This premium reflects the unique challenges and costs associated with insuring high-end EVs.
A primary reason for its elevated insurance cost is the enormous battery system that powers the vehicle. Unlike traditional internal combustion engines, EV batteries are exceptionally expensive to replace, with costs potentially ranging from $10,000 to $15,000. This substantial component significantly increases the insurer’s liability in the event of major damage or a total loss.
Beyond its electric powertrain, the AMG EQS boasts impressive performance, offering 649 horsepower and a substantial 315-mile range. Its starting price of $147,550 further solidifies its status as a high-value asset, which inherently drives up the cost of collision and comprehensive coverage. The advanced technology throughout the vehicle, including complex sensor systems and luxury features, also contributes to higher repair expenses.
Brian Moody, executive editor for Autotrader and Kelley Blue Book, explains this phenomenon, stating, “The specialized nature of these high-performance vehicles, the skill and time required to make repairs will be higher than with a more mainstream vehicle.” This means that repairs for the AMG EQS are not only about expensive parts but also about specialized labor, making any incident a costly affair for the insurance provider.
Read more about: The 15 Most Expensive Cars to Insure Right Now: Essential Insights for Savvy Budget Planners from Brokers and Claim Records
6. **Nissan GT-R**The Nissan GT-R, an iconic performance car, also finds its place among the most expensive vehicles to insure, with an estimated annual premium of $5,638 (based on a six-month rate of $2,819). This reflects its status as a high-performance machine, despite potentially having a lower base price than some ultra-luxury rivals.
The GT-R is renowned for its immense power and speed, characteristics that automatically flag it as a higher risk for insurers. Vehicles designed for such high-performance driving are statistically more likely to be involved in accidents, and these accidents tend to be more severe, leading to significant repair or replacement costs. Its powerful engine encourages aggressive driving, which insurers closely monitor.
While specific details about its interior finishes might not be as overtly luxurious as a Maserati or Mercedes-Benz, the GT-R still incorporates specialized, high-performance components throughout its structure and powertrain. These parts are often bespoke and expensive to source, and their repair requires technicians with specific training and tools, driving up labor costs.
Furthermore, like many desirable performance vehicles, the Nissan GT-R can be an attractive target for thieves. This increased theft risk factors into the insurance premium, as the insurer must cover the potential loss of a high-value, specialized vehicle. The combination of performance, specialized components, and theft risk firmly establishes the GT-R’s high insurance cost.
Car Model Information: 2015 Nissan GT-R Black Edition
Name: Nissan GT-R
Manufacturer: Nissan
ModelCode: R35
Production: December 2007 – August 2025
ModelYears: 2009–2024 (North America)
Assembly: Kaminokawa, Tochigi
Designer: unbulleted list
Class: Sports car
BodyStyle: 2+2 (car body style)
Layout: front-engine, four-wheel-drive layout
Platform: Nissan Premium Midship
Related: Nissan Juke-R
Engine: Nissan VR engine#VR38DETT,V6 engine
Powerout: unbulleted list
Abbr: on
Order: flip
Transmission: BorgWarner
Wheelbase: 2780 mm
Length: unbulleted list
Width: unbulleted list
Height: unbulleted list
Weight: unbulleted list
Predecessor: Nissan Skyline GT-R
Sp: uk
Categories: 2010s cars, 2020s cars, All-wheel-drive vehicles, All Wikipedia articles written in British English, Articles with hAudio microformats
Summary: The Nissan GT-R (Gran Turismo–Racing; model code: R35; Japanese: 日産・GT-R; Nissan GT-R) is a sports car, built by Japanese marque Nissan from 2007 to 2025. It has a 2+2 seating layout and is also considered a grand tourer. The engine is front-mid mounted and drives all four wheels. It succeeds the Nissan Skyline GT-R, a high-performance variant of the Nissan Skyline. Although this model was the sixth-generation to bear the GT-R name, it is no longer part of the Skyline line-up. The car was built on the PM platform, derived from the FM platform used in the Skyline and Nissan Z models. Production was conducted in a shared production line at Nissan’s Tochigi plant in Japan.
As per Nissan’s intention of creating a world beating sports car, the GT-R brand was revived as part of the Nissan Revival Plan. Overall development began in 2000, following seven years of development and testing, including the introduction of two concept models in 2001 and 2005. The production version of the GT-R was unveiled at the 2007 Tokyo Motor Show. The GT-R was a brand-new car built on the PM platform, and featured innovative concepts and technologies, such as advanced aerodynamics, the VR38DETT engine, an active suspension system and the ATTESA E-TS Pro all-wheel-drive system; it the first ever rear mounted independent transaxle all-wheel-drive vehicle. It was one of the first production cars to feature launch control and a dual-clutch transmission. The overall body was made out of steel, aluminium and carbon-fibre.
Unlike its predecessors, the GT-R was offered worldwide. It received various facelifts and updates comparable with the competition, and several special editions were offered during its prolonged production span. The car is used in motorsports, notably winning championships in the FIA GT1 World Championship, Super GT and in various GT3 racing series, including the GT World Challenge. It is well received among enthusiasts and automotive publications, British motor magazine Top Gear claimed it as “one of the most incredible cars of any kind ever built”, due its exceptional performance and practicality given at an affordable price. Being one of the fastest production cars—as it set the record for the fastest accelerating four-seater production car—it has won numerous notable accolades such as the World Performance Car of The Year among many others.
Sales in the Australian market were discontinued due to new side impact regulations. The European market, including the United Kingdom, were also suspended, with new noise regulations. Followed by the suspension of sales in North America, sales in Japan and other markets remained until August 2025, ending production of the GT-R after 18 years and nearly 48,000 units produced.
Get more information about: Nissan GT-R
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Brand: Nissan Model: GT-R
Price: $124,999 Mileage: 4,973 mi.
Read more about: Beyond the Badge: Why a ‘Bargain’ Used Luxury Car Can Lead to Unexpected Financial Headaches and Repair Nightmares
7. **BMW M8 Performance**The BMW M8 Performance variant, with an estimated annual insurance premium of $5,552 (derived from a six-month rate of $2,776), continues the trend of high-end BMWs commanding significant insurance costs. While closely related to the M8 Gran Coupe, this model still embodies the core elements that push premiums skyward.
As a direct descendant of BMW’s M lineup, the M8 Performance is inherently designed for exhilarating driving and exceptional speed. This focus on performance translates into a higher statistical likelihood of involvement in more severe accidents. Its robust engine and finely tuned chassis, while delivering an incredible driving experience, also present a greater financial exposure for insurance carriers.
The vehicle is equipped with a host of advanced technologies and premium features characteristic of the BMW M series. These include sophisticated infotainment systems, cutting-edge driver aids, and high-quality interior materials. While these enhance the ownership experience, they also significantly escalate repair expenses, as the components are complex and often require specialized calibration and replacement.
Moreover, the high market value of the M8 Performance means that any claim, whether for collision, comprehensive damage, or theft, represents a substantial payout for the insurance company. The integration of high-performance parts, coupled with its luxury positioning and appeal to a demographic that might push its limits, makes the BMW M8 Performance a consistent contender on the list of vehicles with the highest insurance premiums.
Car Model Information: 2024 BMW M8 Gran Coupe Competition
Name: BMW M8 (F91/F92/F93)
Manufacturer: BMW M
Production: July 2019–present
Assembly: BMW Group Plant Dingolfing
Designer: Marcus Syring, Jacek Pepłowski
Class: Grand tourer
BodyStyle: ubl
Related: BMW 8 Series (G14),BMW XM
Engine: BMW N63#S63B44T4
Transmission: ZF 8HP transmission,Automatic_transmission#Hydraulic_automatic_transmissions
Wheelbase: F91/F92: {{convert,2822,mm,0,abbr=on
Abbr: on
Length: unbulleted list
Width: {{convert,1907,-,1943,mm,in,1,abbr=on
Height: unbulleted list
Weight: unbulleted list
Predecessor: BMW M6#F06/F12/F13 M6 (2012–2018),BMW i8
ModelYears: 2019–2025
Categories: Articles with short description, BMW vehicles, Cars introduced in 2019, Commons category link is on Wikidata, Convertibles
Summary: The BMW M8 is the high-performance version of the BMW 8 Series (G15) marketed under the BMW M sub-brand.
Introduced in June 2019, the M8 was initially produced in the 2-door convertible (F91 model code) and 2-door coupe (F92 model code) body styles. A 4-door sedan (F93 model code, marketed as ‘Gran Coupe’) body style was added to the lineup in October 2019. The M8 is powered by the BMW S63 twin-turbocharged V8 engine shared with the BMW M5 (F90).
Get more information about: BMW M8
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Brand: BMW Model: M8
Price: $99,986 Mileage: 9,574 mi.
Read more about: Unearthing Hidden Performance: 14 Underrated Sports Cars That Defy Expectations for Today’s Performance Seekers
8. **Audi e-tron GT**This sleek electric vehicle, with an estimated annual insurance premium of $5,528 (derived from a six-month rate of $2,764), showcases how cutting-edge electric performance intertwines with luxury, driving up insurance costs. As an electric car, a significant factor contributing to its high premium is its elaborate battery system. These large, sophisticated batteries are exceptionally expensive to replace, potentially costing between $10,000 and $15,000. This substantial component significantly increases the insurer’s financial exposure in the event of major damage or a total loss, directly influencing the premium.
Beyond its electric powertrain, the Audi e-tron GT also falls under the category of high-performance vehicles. While specific horsepower figures aren’t detailed for this model in the current context, electric vehicles in this segment are known for instantaneous torque and rapid acceleration, characteristics that insurers often associate with a higher likelihood of high-speed incidents. This inherent performance capability flags the vehicle as a greater risk for potential high-impact collisions, which subsequently lead to more expensive claims.
Moreover, as a luxury electric vehicle, the e-tron GT is laden with advanced technology and premium finishes, similar to its Mercedes-AMG EQS counterpart. From intricate sensor systems to high-end interior materials, these elements significantly escalate repair costs. Brian Moody, executive editor for Autotrader and Kelley Blue Book, highlights this, stating, “The specialized nature of these high-performance vehicles, the skill and time required to make repairs will be higher than with a more mainstream vehicle.” This means any repair, even a seemingly minor one, can incur substantial labor and part expenses due to the specialized expertise and unique components required.
The combination of a high sticker price typical of luxury electric cars, the expense of its battery system, its performance-oriented design, and the high costs associated with specialized repairs firmly establish the Audi e-tron GT as a vehicle that commands a notably high insurance premium. For prospective owners, understanding these factors is paramount for accurate budgeting beyond the initial purchase.
Car Model Information: 2024 Nissan Altima 2.5 SV
Name: Audi e-tron GT
Caption: Audi e-tron GT
Manufacturer: Audi
Production: December 2020–present
Assembly: Heilbronn
Designer: Parys Cybulski, Lucia Lee (exterior),Markus Däsch, Alexander Hesse (interior)
Class: Executive car#Shooting brake
BodyStyle: Sedan (automobile)
Platform: Volkswagen Group MSB platform#J1 Platform Models
Engine: Synchronous motor#Permanent-magnet
Layout: all-wheel drive
Transmission: 1-speed direct drive (front axle),2-speed gearbox (rear axle)
Powerout: 475 kW
Abbr: on
Battery: lithium-ion battery
ElectricRange: 425 km
Charging: Direct current
Length: Convert
Wheelbase: Convert
Width: Convert
Height: Convert
Weight: Convert
Related: Porsche Taycan
Sp: uk
ModelYears: 2024–present
Categories: All-wheel-drive vehicles, All Wikipedia articles written in British English, Articles with short description, Audi vehicles, CS1 German-language sources (de)
Summary: The Audi e-tron GT is a battery electric executive car produced by Audi since late 2020 as part of the e-tron battery electric sub-brand, and the third fully electric car model, after Q8 e-tron and Q8 e-tron Sportback SUVs. It is also Audi’s first full-sized electric sedan, and the RS e-tron GT, put on the market in 2021 is, in terms of 0–100 km/h (0–62 mph) times, the fastest Audi sedan to date. Based on the J1 platform shared with the Porsche Taycan, the car went on sale in March 2024.
Get more information about: Audi e-tron GT
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Brand: Audi Model: e-tron GT
Price: $19,695 Mileage: 49,175 mi.
Read more about: Long-Term Costs: 7 Sedans That Can Exceed $10,000 in Maintenance Over Their First 7 Years
9. **Audi RS6**The Audi RS6, a formidable performance car, commands an estimated annual insurance premium of $5,516 (based on a six-month rate of $2,758). This model embodies the classic characteristics that push insurance costs skyward: a powerful engine, a focus on aggressive driving dynamics, and the luxury appointments expected from a high-end Audi. Its designation as a “Performance car” immediately signals to insurers a higher propensity for speed and, by extension, a greater risk of severe accidents.
Vehicles engineered for such high-octane performance, like the RS6, are statistically more likely to be involved in incidents that result in substantial damage. The immense power generated by its engine encourages aggressive driving, a factor meticulously weighed by insurance carriers. These types of vehicles often necessitate more expensive repairs due to their specialized components and advanced engineering, further contributing to higher claim payouts and thus higher premiums.
As with other luxury performance models, the Audi RS6 features a high market value, making its replacement cost a significant concern for insurers. A higher sticker price directly correlates with a higher potential payout if the vehicle is deemed a total loss or is stolen. Furthermore, the interior and exterior of such a vehicle are typically adorned with expensive finishes and cutting-edge technology that, while enhancing the driving experience, drastically increase the expense of any necessary repairs.
Carl Anthony, managing editor of Automoblog and AutoVision News, succinctly summarizes this trend, noting that “Performance cars like the BMW M8 will be more expensive in every aspect, from the starting MSRP and routine service visits to the monthly insurance payment.” This observation holds true for the Audi RS6, where its blend of raw power, luxury, and high-tech features ensures it remains a high-risk, and therefore high-premium, asset in the eyes of insurance providers.
Car Model Information: 2024 Audi RS 6 Avant 4.0T quattro performance
Name: Audi RS 6 quattro
Caption: 2021 Audi RS 6 Avant
Manufacturer: Audi Sport GmbH
Production: 2002–2004 , 2008–2010 , 2013–present
Assembly: Neckarsulm
Class: Executive car
Layout: Front-engine, four-wheel-drive layout
Platform: Volkswagen Group MLB platform
Transmission: Tiptronic,list of ZF transmissions#Automatic transmissions
Related: Audi A6,Audi S6
Sp: Nok
Categories: 2010s cars, All-wheel-drive vehicles, All articles containing potentially dated statements, All articles needing additional references, All articles that are excessively detailed
Summary: The Audi RS 6 is a high-performance variant of the Audi A6 range, produced by the high-performance subsidiary company Audi Sport GmbH, for its parent company Audi AG, a subsidiary of the Volkswagen Group, from 2002 onwards.
The first and second versions of the RS 6 were offered in both Avant and saloon forms. The third and fourth generations are only offered as an Avant.
Get more information about: Audi RS 6
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Brand: Audi Model: RS6
Price: $134,767 Mileage: 3,961 mi.
Read more about: The 15 Most Expensive Cars to Insure Right Now: Essential Insights for Savvy Budget Planners from Brokers and Claim Records
10. **Audi S8**Securing its place on our list, the Audi S8, another distinguished performance car, carries an estimated annual insurance premium of $5,486 (from a six-month rate of $2,743). This luxury sedan marries potent performance with executive-level comfort, a combination that consistently results in elevated insurance rates. Its “Performance car” classification indicates an inherent capacity for speed and power, which insurers view as a heightened risk for severe accidents.
The S8, like its Audi siblings on this list, is designed with a powerful engine at its heart, a key determinant in its insurance cost. Powerful engines are associated with a greater likelihood of high-speed incidents and the subsequent substantial damages, necessitating higher premiums to cover potential claims. This focus on performance, while appealing to drivers, translates into a higher financial exposure for insurance companies.
Beyond its mechanical prowess, the Audi S8 boasts a significant sticker price and an interior rich with expensive finishes and sophisticated technology. Features common in high-end luxury sedans, such as advanced infotainment systems, premium sound, and specialized seating materials, are all costly to repair or replace. Any incident, even a minor one, can lead to substantial repair bills due to the specialized parts and labor required, directly impacting the insurance premium.
Insurers also consider the vehicle’s desirability and market value. A high-value luxury vehicle like the S8 represents a considerable payout risk for collision, comprehensive, or theft claims. The confluence of its high performance, opulent materials, advanced technology, and significant market value makes the Audi S8 a prime example of a vehicle designed for an exclusive driving experience that comes with a commensurate high insurance cost.
Car Model Information: 2024 Audi S8 4.0T (Tiptronic) (Not currently available for ordering)
Name: Audi S8
Caption: Tokyo Motor Show#2013
Manufacturer: Audi Sport GmbH
Production: 1996–present
ModelYears: 1996–present
Assembly: Neckarsulm
Class: Full-size car,luxury car
BodyStyle: sedan (automobile)
Layout: Longitudinal engine,Front-engine, four-wheel-drive layout
Platform: Volkswagen Group D platform,List of Volkswagen Group platforms
Related: Audi A8,Bentley Flying Spur (2005)
Engine: V8 engine
Predecessor: Audi V8
Sp: us
Categories: 2000s cars, 2010s cars, All-wheel-drive vehicles, Articles with short description, Audi vehicles
Summary: The Audi S8 is a full-size luxury car produced by the German automaker Audi AG, manufactured by Audi Sport GmbH at the Neckarsulm plant, and part of Audi’s S model range. The S8 is the high-performance version of the Audi A8, fitted standard with Audi’s quattro all-wheel drive system, and was only offered with a short-wheelbase for the first three generations, being joined by a long-wheelbase variant option for the fourth generation.
Get more information about: Audi S8
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Brand: Audi Model: S8
Price: $91,400 Mileage: 4,620 mi.
Read more about: Beyond the Royal Shadow: Unpacking the Complex Life and Enduring Legacy of Princess Anne’s First Husband, Mark Phillips
11. **BMW i7**The BMW i7, an opulent electric luxury vehicle, joins the ranks of high-premium cars with an estimated annual insurance cost of $5,480 (based on a six-month rate of $2,740). This model exemplifies the intersection of electric vehicle technology and top-tier luxury, both of which are significant contributors to its elevated insurance rates. As a high-end EV, its insurance costs are intrinsically linked to the immense battery system that powers it.
Similar to other high-performance electric vehicles, the i7’s large and complex battery is extraordinarily expensive to replace if damaged. Costs for such a critical component can easily range from $10,000 to $15,000, presenting a considerable liability for insurance carriers in the event of a significant accident or total loss. This fundamental characteristic of high-end EVs is a major driver of their insurance premiums.
Furthermore, the BMW i7, as a flagship luxury sedan, is equipped with a plethora of cutting-edge technology and exquisite interior finishes. From its advanced driver-assistance systems and expansive digital displays to its premium leather and sophisticated ambient lighting, every component is designed for luxury and innovation. These specialized parts and integrated systems are not only costly to replace but also often require highly skilled technicians and precise calibration during repairs, making any incident a high-expense affair for insurers.
Brian Moody’s insight, where he explains that “the specialized nature of these high-performance vehicles, the skill and time required to make repairs will be higher than with a more mainstream vehicle,” perfectly applies to the BMW i7. Its high sticker price, coupled with the unique repair requirements of its electric powertrain and luxury appointments, solidifies its position as a vehicle with a consistently high insurance premium.
Car Model Information: 2024 BMW i7 eDrive50
1: 200 kW
2: 210 kW
3: 280 kW
4: 335 kW
5: 360 kW
6: 400 kW
7: 400 kW
8: 420 kW
9: 441 kW
Name: BMW 7 Series / i7 (G70)
Caption: 2023 BMW 7 Series (Germany)
Manufacturer: BMW
Production: July 2022 – present
ModelYears: 2023–present (North America)
Assembly: unbulleted list
Designer: Jozef Kabaň
Class: Full-size,luxury car
BodyStyle: Sedan (car)
Layout: unbulleted list
Engine: unbulleted list
Drivetrain: unbulleted list
Transmission: unbulleted list
Motor: collapsible list
Framestyle: border:none; padding:0;
Abbr: on
Platform: BMW CLAR platform
Related: ubl
Powerout: collapsible list
Battery: unbulleted list
ElectricRange: Worldwide Harmonised Light Vehicles Test Procedure
Charging: ubl
Wheelbase: 3215 mm
Length: 5391 mm
Width: 1950 mm
Height: 1544 mm
Weight: unbulleted list
Predecessor: BMW 7 Series (G11)
Sp: uk
Aka: BMW i7 (electric)
Categories: 2020s cars, All-wheel-drive vehicles, Armoured cars by country, Articles with short description, BMW model codes
Summary: G70 is the internal designation for the seventh generation of the BMW 7 Series, a range of luxury cars produced by the German luxury vehicle manufacturer BMW since July 2022.
Introduced in April 2022, “7 Series” and “i7” serve as the respective designations to the automaker’s full-size luxury flagship models in internal combustion and battery electric configurations. BMW had unveiled the model on 20 April 2022 during the nameplate’s 45th anniversary. Sold onwards as a 2023 model, it is longer than its predecessor model. This model offers petrol and diesel models, come standard with a 48-volt mild hybrid powertrain; a plug-in hybrid system is available. The seventh-generation BMW 7 Series is often collectively referred to as the G70.
The G70 commenced production on 1 July 2022, exactly seven years after the previous model. The i7 is the first 7 Series to offer a fully electric powertrain, which shares powertrains with the smaller G60 i5. Both 7 Series and i7 offer optional rear- or all-wheel drive drivetrains. The V12 model is no longer offered, instead gets replaced by the M760e plug-in hybrid.
Get more information about: BMW 7 Series (G70)
Buying a high-performing used car >>>
Brand: BMW Model: i7
Price: $78,598 Mileage: 4,862 mi.
Read more about: $20,000 Difference: 12 Luxury Cars Primed for Massive Price Drops in 2025
12. **Porsche 911 Turbo**The iconic Porsche 911 Turbo, a quintessential sports car, commands an estimated annual insurance premium of $5,374 (derived from a six-month rate of $2,687). Renowned globally for its blistering performance and precision engineering, the 911 Turbo’s very nature places it firmly in the high-risk category for insurers. Vehicles classified as “Sports cars” are inherently built for speed and aggressive driving, making them statistically more prone to involvement in high-speed accidents.
The powerful engine and advanced dynamics of the 911 Turbo enable exhilarating speeds and quick acceleration, factors that insurers rigorously assess. The potential for more severe accidents and the associated higher claim payouts directly contributes to the substantial premiums. Its design prioritizes performance, which, while thrilling, inherently increases the financial exposure for insurance companies in terms of potential repair or replacement costs.
Moreover, as a high-end luxury sports car, the Porsche 911 Turbo comes with a considerable sticker price. This high initial value means that in the event of a total loss or theft, the insurance company faces a significant payout. The vehicle also incorporates specialized, high-performance components throughout its structure and powertrain that are bespoke and expensive to source. Repairs require technicians with specific training and tools, driving up labor and material costs significantly.
The desirability of the Porsche 911 Turbo also makes it an attractive target for thieves, a factor insurers consider when calculating premiums. This increased theft risk adds another layer to the overall cost of ownership. The combination of extreme performance, high market value, specialized repair requirements, and theft vulnerability unequivocally establishes the 911 Turbo’s position among vehicles with the highest insurance costs.
Car Model Information: 2021 Honda Civic Sport
Name: Porsche 911
Caption: The 1 millionth 911 produced on display at Volkswagen Group Forum, Berlin
Designer: Ferdinand Alexander Porsche
Manufacturer: Porsche
Production: September 1964 – present
Assembly: Stuttgart,Baden-Württemberg
Class: Sports car
BodyStyle: unbulleted list
Related: unbulleted list
Layout: Rear-engine design,rear-wheel drive
Predecessor: Porsche 356
Categories: 1970s cars, 1980s cars, 1990s cars, 2+2 coupés, 2000s cars
Summary: The Porsche 911 model series (pronounced Nine Eleven or in German: Neunelf) is a family of German two-door, high performance rear-engine sports cars, introduced in September 1964 by Porsche AG of Stuttgart, Germany, and now in its eighth generation. All 911s have a rear-mounted flat-six engine, and usually 2+2 seating, except for special 2-seater variants. Originally, 911s had air-cooled engines, and torsion bar suspension, but the 911 has been continuously enhanced, and evolved across generations. Though the 911 core concept has remained largely unchanged, water-cooled engines were introduced with the 996 series in 1998, and front and rear suspension have been replaced by Porsche-specific MacPherson suspension up front, and independent multi-link rear suspension.
The 911 has been raced extensively by private and factory teams, in a variety of classes. It is among the most successful competition cars. In the mid-1970s, the naturally aspirated 911 Carrera RSR won world championship races including Targa Florio and the 24 Hours of Daytona. The 911-derived 935 turbo also won the 24 Hours of Le Mans in 1979. Porsche won the World Championship for Makes in 1976, 1977, 1978, and 1979 with 911-derived models.
In a 1999 poll to determine the Car of the Century, the 911 ranked fifth — one of two in the top five that had remained continuously in production (the original Beetle remained in production until 2003). The one millionth example was manufactured in May 2017 and is in the company’s permanent collection.
Get more information about: Porsche 911
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Brand: Porsche Model: 911 Turbo
Price: $19,990 Mileage: 43,307 mi.
Read more about: Beyond the Badge: Why a ‘Bargain’ Used Luxury Car Can Lead to Unexpected Financial Headaches and Repair Nightmares
13. **Mercedes-AMG G63**The Mercedes-AMG G63, a distinctive blend of a luxury SUV and a performance powerhouse, carries an estimated annual insurance premium of $5,356 (based on a six-month rate of $2,678). This “Performance SUV” challenges traditional notions of high-risk vehicles by combining a robust, off-road capable platform with an engine engineered for formidable speed and power. Its classification as a performance vehicle signals a heightened risk for insurers, much like its sedan and coupe counterparts.
The G63 is equipped with a powerful engine that, similar to other AMG models, contributes to its high-risk profile. Vehicles with such substantial horsepower are statistically more likely to be involved in accidents that lead to significant damage. The very design of a performance SUV, while offering utility, also suggests a driving style that can lead to higher impact collisions and more expensive claims for insurers.
Its significant sticker price is another critical component in the premium calculation. As a high-value luxury SUV, the cost of replacing the entire vehicle if it is damaged beyond repair or stolen is substantial. This directly translates into higher premiums for collision and comprehensive coverage. The G63’s opulent interior and advanced technological features further compound this, as premium materials and complex electronic systems are costly to repair or replace after any incident.
Brian Moody’s observation that “The specialized nature of these high-performance vehicles, the skill and time required to make repairs will be higher than with a more mainstream vehicle” is particularly apt for the G63. Its unique construction and luxury appointments demand specialized parts and expert labor, making any repair a high-ticket item. Moreover, large luxury SUVs, including the G63, are often targets for thieves due to their desirability and value, adding to the insurance cost equation.
Read more about: The 15 Most Expensive Cars to Insure Right Now: Essential Insights for Savvy Budget Planners from Brokers and Claim Records
14. **Porsche 911 GT3**Rounding out our list of vehicles with the highest insurance premiums for 2025 is the Porsche 911 GT3, an intensely focused sports car, with an estimated annual insurance premium of $5,270 (derived from a six-month rate of $2,635). The GT3 is an even more specialized variant of the legendary 911 lineup, engineered with an explicit emphasis on track performance and dynamic purity, which naturally elevates its risk profile for insurance purposes.
This vehicle’s extreme performance capabilities, stemming from its powerful, high-revving engine and finely tuned chassis, make it a statistical outlier for potential high-speed accidents. Insurers view cars designed for such aggressive and high-performance driving as having an increased likelihood of involvement in severe incidents, which in turn leads to greater repair and replacement costs. The very essence of the GT3 is to push limits, and this is reflected in its insurance premium.
The Porsche 911 GT3 also commands a very high sticker price, which is a fundamental factor in determining insurance rates. The cost of replacing such a specialized, high-value vehicle if it is stolen or totaled is immense, directly impacting comprehensive and collision coverage premiums. Furthermore, the GT3 is replete with bespoke, lightweight, and high-performance components, from its aerodynamic bodywork to its unique suspension and braking systems.
Repairing these highly specialized parts often requires factory-trained technicians and proprietary tools, making any incident an extraordinarily expensive endeavor. Erike Tortorici, owner and principal at Optimum Insurance Solutions, explains that “modern vehicle technology has significantly increased repair costs,” and “the more complex and expensive a car is to repair or replace, the higher its insurance premiums will be.” This statement perfectly encapsulates why a vehicle like the 911 GT3, with its intricate engineering and high-performance components, sits at the peak of insurance costs.
Ultimately, the more complex and expensive a car is to repair or replace, the higher its insurance premiums will be,” as Erike Tortorici aptly summarized. This principle guides everything we’ve discussed regarding these high-risk vehicles. While the allure of a high-performance or luxury vehicle is undeniable, understanding these underlying factors is crucial for any potential buyer. The initial sticker price is just the beginning of the financial journey; the ongoing costs of insurance can be a significant part of the total ownership experience.
However, owning one of these dream machines doesn’t have to mean breaking the bank on insurance. There are proactive strategies you can employ to potentially mitigate these high costs. One of the most effective methods is to simply shop around. Insurance companies assess risk differently, which means premiums can vary significantly from one provider to another for the exact same vehicle and driver profile. Taking the time to compare rates across multiple companies can uncover more affordable options tailored to your specific situation.
Car Model Information: 2021 Porsche 911
Name: Porsche 911
Caption: The 1 millionth 911 produced on display at Volkswagen Group Forum, Berlin
Designer: Ferdinand Alexander Porsche
Manufacturer: Porsche
Production: September 1964 – present
Assembly: Stuttgart,Baden-Württemberg
Class: Sports car
BodyStyle: unbulleted list
Related: unbulleted list
Layout: Rear-engine design,rear-wheel drive
Predecessor: Porsche 356
Categories: 1970s cars, 1980s cars, 1990s cars, 2+2 coupés, 2000s cars
Summary: The Porsche 911 model series (pronounced Nine Eleven or in German: Neunelf) is a family of German two-door, high performance rear-engine sports cars, introduced in September 1964 by Porsche AG of Stuttgart, Germany, and now in its eighth generation. All 911s have a rear-mounted flat-six engine, and usually 2+2 seating, except for special 2-seater variants. Originally, 911s had air-cooled engines, and torsion bar suspension, but the 911 has been continuously enhanced, and evolved across generations. Though the 911 core concept has remained largely unchanged, water-cooled engines were introduced with the 996 series in 1998, and front and rear suspension have been replaced by Porsche-specific MacPherson suspension up front, and independent multi-link rear suspension.
The 911 has been raced extensively by private and factory teams, in a variety of classes. It is among the most successful competition cars. In the mid-1970s, the naturally aspirated 911 Carrera RSR won world championship races including Targa Florio and the 24 Hours of Daytona. The 911-derived 935 turbo also won the 24 Hours of Le Mans in 1979. Porsche won the World Championship for Makes in 1976, 1977, 1978, and 1979 with 911-derived models.
In a 1999 poll to determine the Car of the Century, the 911 ranked fifth — one of two in the top five that had remained continuously in production (the original Beetle remained in production until 2003). The one millionth example was manufactured in May 2017 and is in the company’s permanent collection.
Get more information about: Porsche 911
Buying a high-performing used car >>>
Brand: Porsche Model: 911
Price: $126,995 Mileage: 8,629 mi.
Read more about: Beyond the Badge: Why a ‘Bargain’ Used Luxury Car Can Lead to Unexpected Financial Headaches and Repair Nightmares
Another practical approach is to consider increasing your deductible. Generally, insurers offer lower insurance rates to drivers who opt for a higher deductible. If you have the financial capacity to cover a larger out-of-pocket expense in the event of an accident, choosing a higher deductible could lead to noticeable savings on your annual premium. While sports cars and luxury vehicles will always sit at the higher end of the insurance spectrum, informed decisions both before and after purchase can help manage these unavoidable expenses. By understanding the factors at play and actively seeking out the best coverage for your high-end vehicle, you can drive your dream car with a little more peace of mind.
