What Makes These Cars So Expensive to Insure
Insurance costs for luxury and performance cars can vary widely depending on state, driver history, and provider. The figures represent approximate national averages and serve as a snapshot of what drivers might expect. If you’re eyeing one of these beauties, prepare your wallet - they don’t come cheap!
Maserati Quattroporte - $5,176/year
Maserati’s flagship sedan combines Italian elegance with ferocious performance, but insuring it costs a small fortune. With powerful engines, expensive parts, and high repair costs, insurers charge a steep premium. The Quattroporte is less a daily driver and more a statement of wealth.
Maserati Quattroporte Modena Q4 - $5,118/year
The Modena Q4 trim adds all-wheel drive and sharper performance to Maserati’s luxury sedan. Unfortunately, those enhancements also add to its insurance burden. Exotic Italian parts and premium repair shops drive rates sky-high. Owners get refinement, speed… and some of the industry’s highest premiums.
BMW M8 Competition Grand Coupe - $4,231/year
The M8 Competition Grand Coupe is a supercar disguised as a sedan. Packing twin-turbo power and jaw-dropping acceleration, it sits firmly on insurers’ high-risk lists. Costly performance parts, luxury detailing, and the temptation to drive it hard make this one of BMW’s priciest models to insure.
Porsche Panamera Turbo S E-Hybrid Executive - $4,221/year
Luxury, performance, and cutting-edge hybrid tech meet in Porsche’s extended-wheelbase Panamera Turbo S E-Hybrid Executive. While it’s efficient for a super sedan, the complexity of its drivetrain, combined with Porsche’s premium parts, push insurance rates skyward.
Audi RS E-Tron GT - $4,150/year
Audi’s all-electric RS e-tron GT delivers breathtaking acceleration and futuristic styling, but insurers see EVs differently. Battery replacement, proprietary parts, and limited repair networks mean higher costs after an accident. The RS e-tron GT’s among the most expensive EVs to insure nationwide.
Porsche Panamera Turbo - $4,129/year
The Porsche Panamera Turbo blends practicality with supercar-level performance, creating a four-door that thrills as much as it intimidates. Insurers calculate risk based on its blistering speed, high accident potential and very expensive parts alongside specialized repair needs and Porsche prestige.
Tesla Model S Plaid - $4,115/year
Tesla’s Model S Plaid is the quickest production EV on the planet, with mind-bending acceleration that rivals hypercars. That raw power translates into hefty insurance premiums. Insurers also factor in high battery replacement costs, complex software systems, and specialized repair shops.
BMW M8 Competition XDrive - $4,054/year
This version of BMW’s M8 adds all-wheel drive to its outrageous performance profile. With supercar-level horsepower and advanced tech, insurers view it as a high-risk vehicle prone to costly claims. Between specialized M-tuned components and luxury-class features, premiums climb above $4,000.
Porsche Taycan Turbo S - $4,028/year
The Taycan Turbo S is Porsche’s flagship EV, balancing instant torque with sleek design. It’s also notoriously expensive to repair, thanks to its unique electric drivetrain and high-end build. Replacement parts, from battery modules to Porsche-specific electronics, cost a premium, driving up insurance costs.
Audi R8 5.2L V10 Quattro Performance - $3,967/year
Audi’s R8 V10 sits firmly in supercar territory, with exotic looks and performance to match. Insurers don’t just see the thrill; they see the risk of accidents, theft, and astronomical repair bills. With its Lamborghini-related engine and limited production, coverage rates soar.
Audi RS6 Avant Quattro - $3,922/year
With a twin-turbo V8, track-ready handling, and everyday usability, the RS6 Avant’s beloved by enthusiasts. Insurers, however, see a 600-horsepower rocket ship capable of costly collisions. Premium parts and performance pedigree make this wagon one of the most expensive family haulers to insure.
BMW M760i XDrive - $3,911/year
The M760i xDrive is a limousine with the heart of a sports car, thanks to its twin-turbocharged V12. Luxury and exclusivity raise repair costs, while immense power increases accident risk. Insurers price accordingly, making this flagship 7-Series sedan one of BMW’s most expensive models to cover.
BMW M850i XDrive Gran Coupe - $3,854/year
The M850i Gran Coupe combines coupe-like styling with four-door practicality, but it’s far from tame. With over 500 horsepower and luxury-laden interiors, insurers peg it as both high-performance and high-value. Premiums reflect the risk of damage and costly repairs.
Maserati Ghibli Trofeo - $3,840/year
As the performance pinnacle of the Ghibli lineup, the Trofeo hides a Ferrari-sourced V8 under its hood. That exotic engine, coupled with Maserati’s boutique status, translates into soaring repair bills. Insurers factor in both exclusivity and performance, pushing premiums high.
Alfa-Romeo Giulia Quadrifoglio - $3,695/year
The Quadrifoglio transforms the Giulia into a true sports sedan with Ferrari-influenced engineering. While drivers adore its sharp handling and 500-plus horsepower, insurers aren’t as smitten. High accident potential, expensive imported parts, and Alfa Romeo’s boutique repair network push premiums upward.
Acura NSX Type S - $3,626/year
Acura’s hybrid supercar, the NSX Type S, blends gasoline and electric power for staggering performance. Its exotic drivetrain means higher-than-average repair costs, especially for collision or battery-related damage. Insurers also account for the limited-production nature of the car, which makes sourcing parts expensive. For owners, this means elevated premiums alongside supercar thrills.
Dodge Charger SRT Hellcat Redeye - $3,533/year
The Charger Hellcat Redeye packs 797 horsepower into a family sedan, making it one of the wildest production cars on U.S. roads. Unsurprisingly, insurers treat it as a high-risk vehicle, prone to accidents. Combine with eye-watering repair bills, and it’s clear why premiums crest above $3,500 annually.
Dodge Charger SRT Hellcat - $3,528/year
The standard Charger Hellcat isn’t exactly “standard.” With more than 700 horsepower, it delivers supercar speed in a four-door package. Insurance companies calculate premiums based on risk; expensive repairs, powerful engines, and a high theft rate combine to make coverage notably expensive.
Porsche 911 Carrera Targa 4 GTS - $3,527/year
The Targa 4 GTS is a stylish twist on Porsche’s iconic 911, with removable roof panels and plenty of power. High performance, specialized components, and Porsche prestige ensure that insurers view it as a costly claim risk.
Tesla Model S Long Range - $3,503/year
The Long Range trim emphasizes distance over outright performance, but it’s still a powerful luxury EV. Insurers note Tesla’s high repair costs, especially for battery systems and proprietary body panels. Even without Plaid’s neck-snapping speed, this sedan costs significantly more to cover than mainstream EVs.
Audi R8 GT - $5,756/year
The Audi R8 GT is a limited-run, track-focused supercar that cranks up the intensity of the standard R8. Lightweight construction, exotic V10 performance, and ultra-rare parts make it a nightmare for insurers. With so few on the road, replacement and repair costs soar, leaving owners with premiums nearly as outrageous as the car’s speed.
Maserati Quattroporte GT - $5,630/year
The Quattroporte GT variant takes Maserati’s luxury flagship and layers in extra refinement, but insuring it isn’t refined at all. Exotic engineering, low production numbers, and costly Italian parts mean insurers prepare for pricey claims.
Nissan GT-R Nismo - $5,449/year
The GT-R Nismo is Nissan’s ultimate Godzilla - a track monster with tuned aerodynamics and race-derived engineering. That extreme performance comes at a steep insurance cost. Insurers see an ultra-fast car that demands specialized parts and expertise after an accident. Premiums push it into supercar territory.
Audi RS7 Sportback Quattro Performance - $5,390/year
Audi’s RS7 Performance blends sleek styling with staggering power, creating a five-door coupe that rivals supercars. Underwriters, however, see a high-risk, high-repair-cost vehicle that encourages spirited driving. From custom suspension systems to hand-built engines, replacement expenses are massive.
Lucid Air Grand Touring - $5,080/year
Lucid’s Air Grand Touring delivers luxury EV refinement with over 500 miles of range, but its cutting-edge battery systems and brand-new tech raise eyebrows among insurers. Repairs demand specialized facilities and costly parts.
Audi E-Tron GT Premium Plus - $5,070/year
The e-tron GT Premium Plus may not carry the RS badge, but it’s still a high-performance EV sports sedan. Its specialized battery, advanced electronics, and Audi exclusivity translate into very expensive repair bills, which Insurers pass those costs along to owners.
Maserati Ghibli GT - $5,056/year
This Ghibli trim leans more toward luxury than the wild Trofeo, but it’s still a Maserati. Exotic styling, premium build, and Italian parts drive insurance costs high. Even without the Trofeo’s Ferrari-sourced V8, insurers charge over $5,000 a year to cover it.
Mercedes-Benz G550 4MATIC - $5,042/year
The G-Wagen is equal parts luxury icon and off-road brute. Boxy styling and celebrity appeal make it highly desirable, but repairs on its handcrafted chassis and premium components cost a fortune. Combine theft risk with pricey bodywork, and insurers hike premiums over $5,000.
Lucid Air Grand Touring — $5,080 a Year
The Lucid Air Grand Touring delivers jaw-dropping range and luxury in an all-electric package. With futuristic engineering and battery systems unlike anything else on the road, insurers see plenty of risk. Repair networks are limited, and parts are costly, which helps explain why premiums exceed $5,000 annually.
Lucid Air Dream Edition - $4,961/year
Lucid’s limited-production Dream Edition represents the brand’s most advanced, exclusive trim. With cutting-edge EV tech and sky-high replacement costs, insurers treat it as a major liability. Specialty service requirements and rare components make even small accidents expensive. Annual premiums push just under $5,000.
BMW I8 - $4,372/year
BMW’s plug-in hybrid i8 blends futuristic design with sports-car flair, but that complexity comes at an insurance premium. Limited production, carbon-fiber construction, and specialized hybrid systems push repair costs skyward. Insurers view it as high-risk for both performance and cost reasons.
Mercedes-AMG GT - $4,130/year
With its long hood and roaring V8, the AMG GT is Mercedes’ answer to the supercar world. High performance equals high risk, and insurers know it. Repairs involve specialized AMG components and often hand-built parts, which are expensive to replace.
Nissan GT-R (standard Trim) - $4,064/year
Even in its standard form, the GT-R delivers supercar acceleration and track-ready handling. While it’s more affordable than the Nismo, insurers still place it firmly in the high-risk category. Specialized parts, complex drivetrains, and powerful engines all contribute to average premiums above $4,000..
Porsche 911 - $3,734/year
Insurers calculate high premiums because of the Porsche 911’s powerful engines, elevated theft risk, and very expensive repairs. With bespoke German engineering and a devoted enthusiast base, owning a 911 means paying a little extra for the prestige.
Audi R8 Quattro Performance - $3,734/year
Insuring the Audi R8 Quattro Performance averages about $3,734 a year. While that’s lower than some exotic rivals, it still reflects the costs of a V10 supercar with limited production and premium parts.
