In today’s dynamic automotive landscape, the thrill of acquiring a new vehicle often comes with a significant financial consideration that extends beyond the sticker price: car insurance. For budget planners and discerning consumers alike, understanding how vehicle choice impacts annual premiums is paramount. Our analysis, drawing from extensive insurance data and industry insights, highlights that not all cars are created equal when it comes to coverage costs, with some models demanding thousands more in premiums each year than others.
Indeed, your vehicle plays a crucial role in shaping your car insurance rates. Insurers meticulously evaluate various car-specific factors, such as the cost of replacement parts, the potential damage a car can inflict in an accident, and its susceptibility to theft, all of which contribute to your overall rate. This comprehensive assessment by insurance providers and the patterns revealed in claim records are vital for anyone looking to make an informed car-buying decision, ensuring they account for the total cost of ownership rather than just the initial purchase price.
We delve into the elite tier of vehicles that command the highest insurance premiums, dissecting what makes them so costly to cover. From high-performance machines engineered for speed to luxury models laden with advanced, expensive technology, the reasons are multifaceted. By examining these top contenders, we aim to provide clarity on the factors that drive up insurance rates, offering invaluable insights for individuals and budget planners navigating the complexities of auto insurance in the current market.
1. **Maserati Quattroporte: The Pinnacle of Premium Insurance**The Maserati Quattroporte stands at the zenith of our list, demanding an average annual premium of $7,090. This luxurious Italian sedan, known for its exquisite design and potent performance, exemplifies how high-end vehicles translate into elevated insurance costs. Its substantial manufacturer’s suggested retail price (MSRP) is just the starting point; the intricate engineering and bespoke components contribute significantly to this premium.
One primary driver for such high insurance rates is the cost of replacement parts. Vehicles like the Quattroporte feature expensive, often hard-to-source components, which can be further impacted by factors such as import tariffs. Should an accident occur, the repair bills can soar, as the specialized parts and labor required to restore the vehicle to its original condition are considerably higher than those for mainstream models. This directly impacts the collision and comprehensive insurance portions of your policy.
Moreover, the performance capabilities inherent in a Maserati factor into insurers’ risk assessments. While not a track-focused sports car in the purest sense, its powerful engine and athletic handling are elements insurers associate with a potentially higher accident risk. This perceived risk, combined with the vehicle’s high value, means that if the car is totaled, the insurance company faces a much larger payout, increasing rates for collision and comprehensive coverage.
For instance, the data reveals a stark contrast in premiums for younger drivers, with an 18-year-old male insuring a Maserati Quattroporte potentially facing an astounding $26,802 per year. This highlights how driver-specific factors, when combined with a high-value, high-performance vehicle, can exponentially increase insurance expenditures, underscoring the importance of understanding these dynamics for any potential owner.
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.
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Brand: Maserati Model: Quattroporte
Price: $12,980 Mileage: 82,851 mi.
2. **Maserati Ghibli: Luxury’s Price in Protection**Closely following its larger sibling, the Maserati Ghibli secures its spot among the most expensive cars to insure, with an average annual premium of $6,386. This model, a more accessible entry into the Maserati lineup, nonetheless carries the brand’s hallmarks of luxury and performance, which directly contribute to its high insurance costs. The Ghibli’s sophisticated engineering and exclusive design elements mirror many of the factors observed with the Quattroporte.
Like other luxury vehicles, the Ghibli’s high repair and replacement costs are a significant concern for insurers. Specialized parts, meticulous craftsmanship, and the need for factory-trained technicians mean that even minor repairs can be expensive. This financial burden is passed on to policyholders in the form of higher premiums, particularly for collision and comprehensive coverage, which cover damages to your vehicle.
Furthermore, the allure of a Maserati can make it a target for theft. A flashy car, regardless of its specific model, could be more likely to be targeted, increasing the risk for comprehensive claims. Insurers factor in these theft rates, along with past claim records for similar models, when determining premium costs. Such considerations are integral to the actuarial science behind insurance pricing.
For budget planners, it’s crucial to acknowledge that the Ghibli, much like other high-end models, sees dramatically inflated premiums for younger drivers. An 18-year-old male, for example, could expect to pay around $24,609 annually for coverage. This serves as a clear indicator that the blend of a high-value vehicle and a riskier driver profile creates a formidable insurance cost, demanding careful financial planning.
Car Model Information: 2015 Maserati Ghibli S Q4
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: $16,498 Mileage: 74,452 mi.
3. **BMW M8 Gran Coupe: Performance Meets Premium**The BMW M8 Gran Coupe, with an average annual premium of $5,985, embodies the intersection of high-performance engineering and luxury, making it a particularly expensive vehicle to insure. As part of BMW’s esteemed M series, this model is explicitly built for speed and dynamic handling, characteristics that are directly correlated with higher accident risks in the eyes of insurance providers. The powerful engines and athletic handling of such sports cars can, and often do, encourage more aggressive driving behavior.
Beyond its performance-driven design, the M8 Gran Coupe incorporates advanced technology and specialized components typical of high-end BMWs. These parts, while enhancing the driving experience and safety, are also considerably more expensive to repair or replace after an incident. This includes not just the mechanical components but also the sophisticated safety equipment, like parking assist and lane departure warnings, which can increase repair costs due to their complexity.
Insurance companies analyze past claims for similar models to assess risk. If an M8 Gran Coupe has a history of high liability claims for injuries to others, or substantial collision and comprehensive claims due to its value and repair complexity, these historical patterns will inevitably influence its current insurance rates. The potential for higher payouts in the event of an accident translates directly into higher premiums for policyholders.
The cost implications are especially pronounced for younger drivers. An 18-year-old male insuring an M8 Gran Coupe could be looking at an average annual premium of $21,701. This significant increase underscores how insurers perceive elevated risk with both the vehicle’s characteristics and the driver’s demographic, making it a critical consideration for those eyeing such a formidable machine.
Car Model Information: 2020 Volkswagen Tiguan 2.0T SE
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: $21,000 Mileage: 37,875 mi.
4. **Audi RS7: Sophistication with a High Insurance Tag**Audi’s high-performance sedan, the RS7, commands an average annual insurance premium of $5,792, firmly placing it among the market’s most expensive cars to cover. The RS7 perfectly blends luxurious comfort with exhilarating performance, a combination that inherently elevates its risk profile for insurers. Its powerful engine and sport-tuned dynamics are clear signals to underwriters of a higher potential for incidents and, consequently, more substantial claims.
A significant contributor to the RS7’s high insurance cost lies in its advanced technological features and premium parts. Audi’s commitment to cutting-edge design and engineering means that components are often proprietary and costly to replace. Even routine maintenance can be more expensive, and accident repairs involving complex electronic systems or specialized bodywork translate into higher labor and material costs, directly impacting comprehensive and collision rates.
Furthermore, the RS7’s status as a high-value vehicle means that any claim involving significant damage or total loss will result in a substantial payout from the insurance company. This inherent value drives up the baseline cost of coverage. Insurers evaluate the potential financial exposure for each model, and high-value cars consistently present a larger risk in this regard, reflecting in their annual premiums.
For young drivers, the financial burden of insuring an Audi RS7 is particularly steep, with an 18-year-old male facing an average annual premium of $21,331. This dramatic increase vividly illustrates how the combination of a high-performance, high-value vehicle and a driver demographic often associated with higher risk results in some of the most expensive insurance rates available. Understanding this interplay is essential for financial planning.
5. **Nissan GT-R: The Iconic Speed Machine’s Premium**The Nissan GT-R, an undisputed icon among sports cars, carries an average annual premium of $5,637, making it a significant investment in insurance terms. This vehicle is explicitly “built for speed,” a characteristic that insurance companies consistently associate with higher accident risks. The GT-R’s incredible performance capabilities, including its powerful engine and razor-sharp handling, inherently lead insurers to categorize it as a high-risk vehicle.
The specialized nature of the GT-R’s components also contributes to its elevated insurance costs. Its unique engineering and high-performance parts are not readily available or inexpensive to repair. Should the vehicle be involved in a collision, the cost of genuine replacement parts and the specialized expertise required for repair work can be extraordinarily high. This directly inflates comprehensive and collision insurance premiums, which are designed to cover the vehicle’s damage.
Claims records for performance vehicles like the GT-R often show a propensity for more severe accidents due to the speeds at which they can travel. These historical claim patterns significantly influence current premium calculations, as insurers project future risk based on past data. The potential for substantial liability claims, should the vehicle cause significant damage or injury to others, further pushes rates upward.
Considering the younger driver demographic, the premiums for a Nissan GT-R become even more prohibitive. An 18-year-old male can expect an average annual premium of $21,274. This figure vividly demonstrates how the vehicle’s high-performance profile, when paired with an inexperienced driver, compounds the perceived risk and subsequent cost of insurance, underscoring the necessity of factoring this into any budget.
Car Model Information: 2020 Nissan GT-R Premium Dual-clutch 6-Speed Transmission
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.
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Brand: Nissan Model: GT-R
Price: $144,995 Mileage: 11,932 mi.
6. **BMW M8: Redefining High-Performance Insurance**Another distinguished member of BMW’s M division, the M8, commands an average annual insurance premium of $5,552. This high-performance coupe, like its Gran Coupe counterpart, is designed with speed and exhilarating driving dynamics at its core. Insurers view vehicles built for such capabilities as having a higher propensity for accidents, directly influencing the risk assessment and, consequently, the cost of coverage.
The M8’s sophisticated engineering and high-end components are significant factors in its insurance premium. These are not standard parts; they are often bespoke, lightweight, or feature advanced materials, making them expensive to source and replace. The integration of cutting-edge technology, including advanced driver-assistance systems, further complicates repairs, often requiring specialized tools and expertise, which drives up labor costs.
The overall value of the BMW M8 also plays a critical role. As an expensive vehicle, the potential payout from an insurer in the event of a total loss or substantial damage is considerable. This high financial exposure directly translates into higher premiums for collision and comprehensive coverage, which protect the vehicle itself. Insurers continuously monitor claims data for similar models to fine-tune their risk calculations.
For budget planners, it’s essential to note the severe impact of age on these premiums; an 18-year-old male insuring a BMW M8 could face an average annual premium of $20,156. This highlights how both the inherent characteristics of a high-performance luxury vehicle and the demographic profile of its driver combine to create significantly higher insurance expenses, making comprehensive financial foresight indispensable.
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: $100,895 Mileage: 8,453 mi.
7. **Audi e-tron GT: Electric Luxury’s Premium**The Audi e-tron GT, a striking electric luxury vehicle, carries an average annual insurance premium of $5,528. This premium reflects not only its luxury status and performance but also the unique challenges associated with insuring electric vehicles (EVs). While EVs are often lauded for their environmental benefits, their advanced battery technology and specialized components introduce specific considerations for insurance costs.
One significant factor for the e-tron GT, akin to other luxury EVs like the Hummer EV mentioned in other analyses, is the repair and replacement costs associated with its electric powertrain and advanced electronics. EVs require expensive parts and specialized service, particularly concerning their massive batteries and integrated technological systems. Damage to these specialized components can lead to extremely high repair bills, directly impacting the cost of collision and comprehensive coverage.
Furthermore, the e-tron GT’s high purchase price means its intrinsic value is substantial, translating into larger potential payouts for insurers in the event of a total loss. This fundamental aspect of expensive vehicles contributes significantly to their premium rates. Insurers also consider the relative newness of advanced EV technologies, and as more claims data accumulates, these costs may be further refined.
When considering young drivers, the Audi e-tron GT shows a substantial premium increase, with an 18-year-old male potentially paying $20,776 annually. This demonstrates that even with a focus on advanced, cleaner technology, the combination of high vehicle value, specialized repair needs, and driver risk profile continues to drive insurance costs into the premium bracket, necessitating diligent financial consideration.
Car Model Information: 2020 Volkswagen Tiguan 2.0T SE
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: $21,000 Mileage: 37,875 mi.
8. **Audi RS6: The High-Performance Family Hauler**The Audi RS6, a unique blend of a high-performance sports car and a practical station wagon, carries an average annual insurance premium of $5,516. Its ability to deliver blistering performance alongside family utility makes it a distinctive entry on this list. However, this dual nature also contributes to its high insurance costs, as it incorporates the performance elements that insurers associate with higher risk.
Like other high-performance Audis, the RS6 features sophisticated engineering and expensive, specialized parts. The cost of repairing components unique to the RS line, combined with the general high cost of luxury vehicle maintenance, directly impacts insurance premiums. The vehicle’s advanced safety equipment, while designed to prevent accidents, can also increase repair costs if damaged, due to the expense of calibrating or replacing these intricate systems.
Claims records for vehicles like the RS6, particularly those that combine high performance with considerable size, may also indicate a higher potential for causing damage in a collision. Large trucks and other vehicles that can cause more extensive damage in an accident often face higher liability exposure, which insurers factor into their rates. The RS6’s blend of power and mass can contribute to this assessment.
For younger drivers, the insurance costs for an Audi RS6 remain exceptionally high, with an 18-year-old male facing an average annual premium of $19,841. This reinforces the consistent finding that high-performance, high-value vehicles, especially when insured by drivers in higher-risk age groups, come with significantly elevated insurance costs, a crucial point for any comprehensive financial plan.
Car Model Information: 2003 Audi RS6 Quattro
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: $14,995 Mileage: 122,515 mi.
9. **Audi S8: Executive Power and Premium Coverage**The Audi S8, commanding an average annual insurance premium of $5,487, epitomizes how luxury and high performance converge to create elevated coverage costs. This executive sedan’s powerful engine and sophisticated quattro all-wheel drive, while delivering an exhilarating experience, are characteristics insurers often link to a higher propensity for spirited driving and, consequently, increased accident risk. Its position as a high-value asset, laden with cutting-edge technology, is a core driver of its substantial insurance rates, reflecting considerable potential financial exposure for insurers.
A significant factor contributing to the S8’s high premiums is the expense of its specialized components and intricate engineering. Repairs involving these bespoke parts, particularly the advanced electronic systems and premium materials, require expert labor and specialized diagnostic tools, leading to considerably higher repair bills. This directly inflates the collision and comprehensive insurance portions of a policy, as the potential payout for damages or total loss is substantial for such a high-end automobile.
For budget planners, it’s particularly critical to note the dramatic impact of driver demographics; an 18-year-old male insuring an Audi S8 could face an astounding average annual premium of $20,084. This stark figure underscores how the combination of a high-performance, high-value automobile with a driver demographic perceived as higher risk results in exponentially increased insurance expenditures, necessitating meticulous financial planning beyond the initial purchase.
Car Model Information: 2023 Audi S8 4.0T
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: $74,950 Mileage: 33,127 mi.
10. **BMW i7: Electric Innovation with a High Insurance Price Tag**The BMW i7, an electric luxury flagship, carries an average annual insurance premium of $5,480, reflecting the unique financial considerations of high-end electric vehicles (EVs). This premium is largely driven by the i7’s advanced battery technology and specialized electric powertrain components, which are exceptionally costly to repair or replace after an incident. Its innovative engineering and opulent comfort contribute significantly to its high intrinsic value and complex insurance profile.
Repair costs for the i7 are particularly high due to the complexity and expense of its electric systems, including its massive battery pack and integrated digital architecture. Any damage requiring attention to these specialized components can lead to exorbitant repair bills, directly influencing collision and comprehensive coverage rates. Insurers must account for this higher potential financial exposure, leading to elevated premiums for policies protecting the vehicle itself. The relatively newer nature of advanced EV technologies also plays a role in these calculations.
For younger drivers, the financial burden of insuring a BMW i7 is particularly acute, with an 18-year-old male potentially facing an average annual premium of $19,927. This figure compellingly demonstrates that combining a high-value electric vehicle with specialized repair needs and a higher-risk driver profile consistently places insurance costs into the premium tier, emphasizing the importance of detailed financial planning for prospective owners to avoid sticker shock.
Car Model Information: 2024 BMW i7 xDrive60
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)
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Brand: BMW Model: i7
Price: $79,985 Mileage: 30,356 mi.
11. **Porsche 911 Turbo: The Ultimate Performance Insurance Premium**The iconic Porsche 911 Turbo, synonymous with blistering performance, commands an average annual insurance premium of $5,373, firmly establishing its place among the market’s most expensive vehicles to insure. Engineered for extreme speed and precision handling, this legendary sports car is inherently classified by insurers as a high-risk vehicle, given the powerful engine and race-bred dynamics often associated with higher accident likelihood and severity.
A significant contributor to the 911 Turbo’s elevated insurance cost lies in its highly specialized, often custom-built components. These parts are designed for peak performance and are neither readily available nor inexpensive to manufacture or replace. Repairing this vehicle after a collision often demands genuine Porsche parts and highly specialized, factory-trained technicians for intricate repair work, resulting in astronomical bills that directly inflate comprehensive and collision insurance premiums.
The financial implications for younger drivers are exceptionally severe. An 18-year-old male insuring a Porsche 911 Turbo could face an average annual premium of $19,695. This figure starkly illustrates how the fusion of a quintessential high-performance vehicle with an inexperienced driver compounds the perceived risk and subsequent cost of insurance, making thorough financial planning absolutely crucial for anyone considering this automotive legend.
Car Model Information: 2023 Mazda Mazda3 FWD w/Select Package
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.
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Brand: Porsche Model: 911 Turbo
Price: $17,821 Mileage: 57,859 mi.
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12. **Mercedes G63: Robust Luxury and Substantial Coverage Costs**The formidable Mercedes G63, a luxury SUV revered for its commanding presence and robust performance, is associated with an average annual insurance premium of $5,357. This unique blend of off-road prowess and opulent comfort marks it as a high-value asset, inevitably driving up insurance costs. Its imposing size and powerful engine contribute to insurers’ heightened risk assessment, particularly regarding the potential for damage it could inflict in an accident.
A primary factor in the G63’s high insurance rates is the expense associated with its specialized components and complex, handcrafted construction. As a high-end Mercedes-AMG, its bespoke parts often utilize advanced materials and can be costly to source, sometimes being subject to import tariffs and longer procurement times. Repairs, even for minor incidents, typically necessitate specialized tools and technicians, leading to higher labor and material costs directly reflected in collision and comprehensive coverage premiums.
The cost of insuring a Mercedes G63 for younger drivers is particularly prohibitive, with an 18-year-old male potentially facing an average annual premium of $19,476. This substantial increase vividly underscores how the combination of a high-value, large, and powerful vehicle with a driver demographic often associated with higher risk dramatically elevates insurance expenses, making a detailed financial plan and thorough budget analysis an absolute necessity for prospective owners.
13. **Porsche 911 GT3: Track-Ready Prowess, Premium Protection**The Porsche 911 GT3, a purebred track machine meticulously refined for road use, commands an average annual insurance premium of $5,270. This model, even more performance-focused and track-oriented than the 911 Turbo, inherently signifies a higher degree of risk for insurance providers due to its extreme capabilities, including a high-revving engine and race-derived aerodynamics that push performance limits, thus increasing the statistical likelihood and severity of accidents.
The GT3’s components are highly specialized, often unique to the GT division, and crafted from exotic materials like carbon fiber to optimize weight and performance. These bespoke parts are incredibly expensive to replace or repair. Damage to lightweight body panels, advanced suspension components, or high-performance braking systems necessitates specific components, often hand-fitted, and highly skilled labor, leading to exceptionally high repair costs that are directly passed on to policyholders through increased comprehensive and collision premiums.
The impact on younger drivers is notably steep, with an 18-year-old male insuring a Porsche 911 GT3 potentially facing an average annual premium of $19,948. This figure vividly illustrates how the intense performance profile of the vehicle, combined with a driver demographic associated with elevated risk and inexperience, results in some of the most formidable insurance costs in the market, making comprehensive financial planning paramount for any serious buyer.
Car Model Information: 2020 Volkswagen Tiguan 2.0T SE
Caption: Porsche 911 (992)
Name: Porsche 911 GT3
Manufacturer: Porsche
Production: 1999–present
Assembly: Zuffenhausen
BodyStyle: coupé
Layout: Rear-engine, rear-wheel-drive layout
Class: Sports car
Predecessor: Porsche 993#Carrera RS
Related: Porsche 911 GT2
Categories: 2000s cars, 2010s cars, 2020s cars, All articles containing potentially dated statements, All articles with dead external links
Summary: The Porsche 911 GT3 is a high-performance homologation model of the Porsche 911 sports car. It is a range of high-performance models, which began with the 1973 911 Carrera RS. The GT3 has had a successful racing career in the one-make national and regional Porsche Carrera Cup and GT3 Cup Challenge series, as well as the international Porsche Supercup supporting the FIA F1 World Championship.
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Brand: Porsche Model: 911 GT3
Price: $21,000 Mileage: 37,875 mi.
14. **Mercedes GT: Exquisite Design, Exorbitant Premiums**The Mercedes GT, a stunning high-performance luxury coupe from Mercedes-AMG, carries an average annual insurance premium of $5,211. This vehicle is a testament to engineering prowess, blending aggressive styling with blistering performance and advanced technological features. Its design, explicitly optimized for speed and dynamic handling, directly influences how insurers perceive its risk profile, leading to significantly higher premiums compared to more conventional luxury cars.
One of the primary drivers of the Mercedes GT’s high insurance cost is the expense and exclusivity of its components. The vehicle incorporates advanced materials, bespoke engine parts, and sophisticated electronics that are costly to manufacture and replace. Even minor collisions can result in substantial repair bills, as specialized expertise, often requiring specific factory certifications, and genuine parts are mandatory to restore the vehicle to its original, high-performance condition. These costs are directly reflected in comprehensive and collision coverage.
For budget planners, it’s essential to recognize the substantial increase in premiums for younger drivers. An 18-year-old male insuring a Mercedes GT could expect an average annual premium of $19,217. This dramatic difference clearly shows how the blend of a high-performance, high-value luxury vehicle and a driver in a higher-risk age group collectively contributes to exceptionally high insurance costs, emphasizing the critical need for comprehensive financial foresight and careful budgeting.
15. **Mercedes S-Class: The Benchmark of Luxury and Its Coverage Price**Rounding out our list, the Mercedes S-Class, a long-standing benchmark in luxury sedans, commands an average annual insurance premium of $5,211. While not primarily a pure sports car in the same vein as some other entries, its elevated premium stems from an unparalleled level of sophistication, advanced technology, and high intrinsic value, all contributing to a complex and inherently expensive insurance profile.
The S-Class is renowned for integrating the latest automotive technology, including an extensive array of advanced driver-assistance systems, sophisticated connectivity features, and cutting-edge infotainment. While these features enhance safety and comfort, they also significantly increase repair costs. Should these intricate electronic systems, sensors, or complex body panels be damaged in a collision, the expense of calibration, replacement, and specialized labor can be substantial, directly inflating comprehensive and collision insurance portions of a policy.
For younger drivers, the financial impact of insuring an S-Class remains significant, with an 18-year-old male potentially facing an average annual premium of $18,628. This figure powerfully illustrates that even for a vehicle focused on refined luxury, advanced technology with costly repair implications, and a high market value, when combined with driver demographic factors, profoundly influences the overall insurance burden, underscoring the necessity of diligent financial consideration for prospective owners.
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As we conclude our comprehensive analysis of the market’s most expensive cars to insure, it becomes abundantly clear that selecting a vehicle involves a financial consideration extending far beyond its initial sticker price. From high-performance machines engineered for raw speed to opulent luxury models laden with advanced technology, various intricate factors coalesce to determine your annual insurance premium. The cost of specialized replacement parts, the potential for significant damage in a collision, the vehicle’s inherent high value, and its susceptibility to theft all play pivotal roles, often magnified by driver demographics such as age and driving history. For budget planners and discerning consumers, making an informed car-buying decision means meticulously accounting for the total cost of ownership, acknowledging that the blend of vehicle characteristics and driver profile profoundly impacts ongoing expenses. By understanding these dynamics and proactively comparing insurance quotes from multiple reputable providers, individuals can effectively navigate the complexities of auto insurance, securing the best possible coverage without unforeseen financial burdens. Smart vehicle choices, coupled with diligent research and consistent policy reviews, truly form the cornerstone of responsible car ownership in today’s intricate and ever-evolving market.
