Insurista, the comprehensive insurance blog

Full width home advertisement

Post Page Advertisement [Top]

rental car damage and liability insurance

What is the most expensive luxury car to insure? When purchasing a high-end vehicle, insurance costs should be a top consideration. Luxury cars like the Maserati Quattroporte, Audi R8, BMW i8, Mercedes-AMG GT, and Porsche 911 often have the highest insurance premiums. Factors that increase rates include:

  • High repair costs

  • Powerful engines

  • Premium features

  • Low production numbers

  • High theft risk

This article will examine the priciest cars to insure and what causes luxury vehicles to have such expensive insurance.

Maserati Quattroporte

picture of a black color Maserati Quattroporte

The Maserati Quattroporte consistently tops lists as the most expensive luxury vehicle to insure.

Average Annual Premium: $4,271

MSRP: $111,185

This luxury sedan combines race-inspired performance with premium interior features. The Maserati Quattroporte offers:

  • Powerful V8 engine with up to 530 horsepower

  • All-wheel drive

  • Leather interior

  • Racing-style wheels

  • Maserati-tuned suspension

What makes the Quattroporte so expensive to insure?

  • High repair costs: As a low-production Italian luxury vehicle, bodywork and parts are very expensive if the car needs collision repairs.

  • Powerful engine: The high-performance V8 means drivers are more likely to speed, accelerate quickly, and get into accidents.

  • Premium features: The leather seats, custom wheels, and upgraded suspension increase the value of claims if the Quattroporte is totaled.

  • Low production numbers: With fewer Quattroportes on the road, insurance companies have limited data to assess risk.

  • High theft appeal: Luxury vehicles have higher rates of car theft, and the Maserati name attracts attention.

Insurance for the Quattroporte costs over $3,500 more per year than average car insurance. Drivers must weigh the enjoyment of luxury against the high cost of insuring these elite vehicles.

Audi R8

Picture of a blue color Audi R8

With an average insurance premium of $4,117 annually, the Audi R8 ranks as one of the most expensive luxury cars to insure.

MSRP: $152,250

The R8 is Audi's high-performance Halo sports car. Key features include:

  • Powerful V10 engine producing over 600 horsepower

  • Quattro all-wheel drive system

  • Premium interior materials like leather and carbon fiber

  • Audi virtual cockpit with LCD instrument display

  • Mid-engine design with rear-biased weight distribution

What factors contribute to the R8's sky-high insurance rates?

  • Powerful engine capable of reaching 60 mph in under 3 seconds

  • Premium features raise the value of repairs if the R8 is in an accident

  • Low production numbers as an exclusive sports car make it harder to assess risk

  • High theft appeal for a luxurious Audi sports coupe

  • Repair costs are expensive for aluminum construction and carbon fiber parts

On average, insuring an R8 costs over $3,000 more annually than insuring a mainstream vehicle. Drivers need to consider the long-term costs before purchasing this premium sports car. However, the R8 provides an unparalleled driving experience that car enthusiasts may find worth the insurance premium.

BMW i8

Picture of the back of a BMW i8

With its cutting-edge hybrid powertrain and exotic styling, the
BMW i8 brings a futuristic flair to the luxury sports car market. It also carries premium insurance rates, averaging around $3,934 per year.

MSRP: $147,500

As BMW's flagship hybrid model, the i8 combines performance with efficiency:

  • 374 horsepower turbocharged 3-cylinder engine

  • 141 horsepower electric motor

  • 0-60 mph in 4.2 seconds

  • 69 MPGe fuel economy

  • All-wheel drive

What factors make the i8 expensive to insure?

  • Low production volume as a niche sports plug-in hybrid

  • High-performance components like carbon fiber construction

  • Complex powertrain with expensive electronics and battery packs

  • Premium interior features like leather seats raise repair costs

  • High theft risk as a coveted luxury BMW coupe

The i8 costs over $2,000 more per year to insure than an average new car. For owners, the environmental benefits and innovative technology may offset the lofty insurance premiums. However, the i8 is certainly not the most economical way into luxury hybrid ownership.

Mercedes-AMG GT

Picture of a grey metallic color Mercedes-AMG GT

With an average annual insurance premium of over $3,900, the high-performance
Mercedes-AMG GT ranks among the most expensive luxury cars to insure.

MSRP: $115,900

As Mercedes' flagship sports car, the AMG GT delivers supercar performance:

  • Hand-built 4.0L twin-turbo V8 puts out up to 577 horsepower

  • Rear-wheel drive with limited slip differential

  • 0-60 mph in 3.7 seconds

  • Top speed of 193 mph

  • Nappa leather interior with performance seats

Factors that drive up insurance costs include:

  • Powerful engine encourages aggressive driving

  • Low production volume as a niche sports car

  • Premium cabin materials increase repair costs

  • High theft appeal for a coveted Mercedes coupe

  • Limited accident data to inform risk assessments

Owning this exotic Mercedes-AMG model comes at a steep price, with insurance premiums costing over $2,500 more annually than average coverage. Drivers must decide if the GT's unmatched performance and styling justify the long-term costs. With prodigious power packed into a hand-crafted coupe, the AMG GT remains alluring despite its expensive insurance needs.

Nissan GT-R

Picture of a purple color Nissan GT-R

The high-performance Nissan GT-R sports car commands insurance premiums of over $3,800 annually on average, making it one of the most expensive luxury vehicles to insure.

MSRP: $113,540

Nicknamed "Godzilla," the GT-R delivers supercar levels of performance thanks to:

  • Twin-turbo 3.8L V6 producing 565 horsepower

  • ATTESA all-wheel drive system

  • 0-60 mph in under 3 seconds

  • Top track speed of 196 mph

  • Advanced aerodynamics and chassis tuning

Factors contributing to the GT-R's steep insurance rates include:

  • Powerful turbocharged engine enabling aggressive driving

  • High theft risk as an iconic Japanese performance car

  • Low production numbers as a niche sports coupe

  • High repair costs for advanced AWD system and chassis components

  • Limited accident data to inform insurance risk assessments

With insurance premiums costing over $2,500 more per year than the average vehicle, the GT-R is not cheap, despite its reasonable starting price. Drivers must decide if the unmatched performance justifies the ongoing insurance costs. For JDM enthusiasts, the GT-R remains alluring despite its expensive insurance needs.

Porsche 911

With a reputation for premier performance and handling, the Porsche 911 comes with premium insurance rates as well, averaging $3,896 per year.

MSRP: $101,200

As Porsche's iconic sports car, the 911 delivers a thrilling driving experience thanks to:

  • Rear-engine six-cylinder turbocharged engine with up to 443 horsepower

  • Eight-speed dual-clutch automatic transmission

  • Rear-wheel drive with limited slip differential

  • Extensive use of aluminum and composite materials

  • Premium cabin with leather upholstery

Factors influencing the 911's high insurance rates include:

  • Powerful turbo engine enabling fast acceleration

  • High theft appeal as a coveted luxury sports car

  • Low production volume as an exclusive performance model

  • Costly repairs for aluminum and carbon fiber components

  • Limited accident data given the niche status of 911

With premiums running over $2,500 higher than average, the 911 is a significant long-term investment. Drivers must weigh their desire for 911's unparalleled driving dynamics against the ongoing insurance costs. For die-hard Porsche fans, the opportunity to own this automotive icon may justify paying top dollar for insurance.

Other Expensive Luxury Vehicles

Beyond the top most expensive models, other luxury rides also come with high insurance premiums including:

Bentley Bentayga

  • Luxury SUV with 600 horsepower W12 engine

  • Loaded with premium features like massaging seats

  • MSRP over $215,000

Mercedes-Benz S-Class

  • Full-size luxury sedan with a powerful V8 engine

  • Flagship model with premium materials

  • MSRP over $100,000

Lamborghini Huracán

  • High-performance V10 engine with 602 horsepower

  • Lightweight construction with carbon fiber

  • MSRP around $200,000

Tesla Model X

  • Premium electric SUV with insane mode

  • Cutting-edge autonomous driving features

  • MSRP over $100,000

Aston Martin DB11

  • Hand-built grand touring coupe

  • Twin-turbo V12 with up to 630 horsepower

  • MSRP around $200,000

These models all contain powerful engines, premium construction, luxurious features, and limited production numbers - leading to high insurance costs. Premium luxury comes at a premium price, both upfront and over the long run.

Factors that Increase Insurance Costs for Luxury Vehicles

What causes luxury and sports cars like the Maserati Quattroporte, Porsche 911, and BMW i8 to have such astronomical insurance rates?

Several key factors drive up premiums:

  • Powerful engines - More horsepower encourages speeding and aggressive driving, increasing accident risk.

  • Low production volumes - Limited data makes these cars harder to insure.

  • High-end materials - Premium leather, carbon fiber, etc. increase repair costs.

  • Latest technology - Sensors and electronics are expensive to replace.

  • High theft appeal - Luxury cars attract professional thieves.

  • Higher MSRPs - More expensive to buy means a larger payout if totaled.

  • Lack of safety features - Many luxury cars lack advanced driver aids.

  • Inexperienced drivers - Wealthy, young drivers may drive recklessly.

  • Higher accident rates - Claims data shows luxury cars have more losses.

In summary, insuring an elite luxury or sports car costs thousands more per year due to factors inherent to these vehicles. Exotic cars demand exotic insurance pricing.


In the market for an elite luxury vehicle? Expect to pay an elite price to insure it. Models like the Maserati Quattroporte, Porsche 911, BMW i8, and Mercedes-AMG GT cost thousands more per year to insure versus mainstream cars.

Powerful engines, costly repairs, and high theft appeal drive up premiums. Excluding exotics like Ferrari or Lamborghini, the Maserati Quattroporte reigns as the single most expensive luxury car to insure with average annual premiums of around $4,271.

While these premium vehicles offer unmatched style, performance, and prestige, drivers must carefully weigh the long-term insurance costs. The enjoyment of luxury comes at a high price - both at the dealership and when renewing your car insurance policy each year. However, for some luxury buyers, it's a price they're willing to pay for automotive excellence.

References: Car driver Forbes Advisor

Other readers were also interested in the following articles:

Luxury Car Insurance Rates Explained

Can a Luxury Car be a Business Expense?

What is the cheapest luxury car to insure? Save Money Now!    

Is a Honda Civic considered a sports car for insurance? - explained

No comments:

Post a Comment

Bottom Ad [Post Page]

Enter URL:
Powered by: