The Most Expensive Cars to Insure (2026)
Certain vehicles are associated with high insurance prices. Luxury and sports cars are known for being more expensive to insure due to the higher cost of repair and tendency of being in accidents. Some of the most expensive cars to insure include: Mercedes-Benz AMG GT S, Audi R8, Porsche Panamera S, and the Mercedes S63 AMG.
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Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywri...
Tonya Sisler
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Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated March 2025
Certain vehicles are associated with high insurance prices. You expect a Lamborghini to be more expensive to insure than, say, a Toyota Tundra. Insurance is a big part of car ownership, and many drivers have purchased a new vehicle only to get shocked by its high insurance prices.
Insurance premiums are influenced by various factors such as the driver’s age, location, driving history, and the specific Lamborghini model being insured. However, there are affordable Lamborghini auto insurance quotes that are available.
If you want to avoid sticker shock the next time you renew your car insurance, then you need to avoid some of the cars listed below. Today, we’re highlighting the top 10 most expensive cars to insure.
10) Mercedes-Benz AMG GT S: $3,500
With an average car insurance price of around $3,500, the Mercedes-Benz AMG GT is one of the top 10 most expensive cars in America to insure. The car is prized for its 515 horsepower and 4.0L AMG V8 bi-turbo engine, but many drivers will get sticker shock when they see the cost of car insurance. Fortunately, most drivers don’t spend $132,000 on a vehicle and expect to get a great deal on car insurance.
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9) BMW i8: $3,550
The BMW i8 is a plug-in hybrid sports car that strongly resembles the BMW M1 Homage concept car. The car is also one of the most expensive vehicles in America to insure. Again, with an MSRP of $150,000, you may not have been expecting to get a great deal on your i8’s car insurance. Still, with an average annual premium of around $3,550, the BMW i8 is one of the most expensive cars to insure in the United States.
8) Audi R8: $3,560
The Audi R8 is a popular two-seater sportscar made since 2006. With an MSRP of around $164,900, the high insurance prices are to be expected. In fact, the base model of the R8 has the highest starting price among luxury sportscars, costing tens of thousands of dollars more than many of its in-class rivals. Of course, some drivers are willing to pay the premium for going 0 to 60 miles per hour in 3.3 seconds.
7) BMW Alpina B7 XDrive: $3,580
You’ll notice certain car manufacturers tend to appear on this list more often than others. BMW and Mercedes-Benz frequently appear on the list of the most expensive cars in America to insure. The Alpina B7 XDrive starts life as a BMW 750i with 445 horsepower and 480 pound-feet of torque coming from the 4.4 liter twin-turbocharged V8 engine.
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6) Nissan GT-R Nismo: $3,580
Nissan’s GT-R NISMO is a 600 horsepower vehicle sold in limited numbers across North America in 2018. Today, the car remains one of the most expensive cars in the United States to insure – which isn’t surprising given its $175,000 price tag. Billed as the most expensive Nissan ever sold, the GT-R NISMO is prized for its excellent acceleration, handling, and braking, but you’ll pay a hefty car insurance premium.
5) BMW M6 Gran Coup: $3,590
With similar insurance premiums to the Alpina B7 XDrive, the M6 Gran Coup has pricey insurance that matches its $119,900 MSRP. Many M6 Gran Coup drivers, however, are willing to pay a premium for a luxury sedan with exceptional power, a comfortable interior, and a more elegant experience than the M5 on which it’s based.
4) Porsche Panamera S: $3,590
With an MSRP of $129,180, the Porsche Panamera is a speedy four-seater that combines the performance of a supercar with the features of a luxury vehicle. You might not get the same handling as a similarly-priced sportscar, but it’s a luxurious experience for drivers and passengers alike. However, this experience is going to cost you at your insurance company: expect to pay an average of around $3,600 to insure your Porsche Panamera S.
Read more: Affordable Porsche Auto Insurance Quotes
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3) Mercedes-Maybach S650: $3,700
The Mercedes-Maybach S650 is a luxury sedan with an MXRP of $198,700. The 621 horsepower engine can take you from 0 to 60 miles per hour in 4.6 seconds. The 2018 model was prized for its handcrafted 6.0L V12 biturbo engine, ECO start/stop system, and 7G-TRONIC automatic transmission. As you might expect, the Mercedes-Maybach S650 is one of the most expensive cars in the United States to insure, with an average insurance price of around $3,700.
2) Mercedes S63 AMG: $3,800
The top of our list is dominated by two Mercedes sedans, including the S63 and S65, both of which are infamous for their lofty insurance prices. Both vehicles have catapult-like acceleration powered by a long racing legacy. The Mercedes S63 has an MXRP of $168,000, so the high insurance prices aren’t a total shock. However, the only major vehicle with higher insurance prices than the S63 is its close relative, the S65.
1) Mercedes S65 AMG: $3,900
The S65 is significantly more powerful than the S63. The 2018 model had an MXRP of $229,500 and comes with a similar price tag. With a 621 horsepower engine inside, you can expect to pay as much as $4,000 per year for insurance on your Mercedes-Benz AMG S65. Drivers willing to absorb the high insurance premiums can enjoy benefits like a handcrafted AMG 6.0L V12 biturbo engine, the EO start/stop system, and the 7G-TRONIC 7-speed automatic transmission with shift paddles.
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Compare Car Insurance Prices Today to Enjoy Competitive Rates on Any Vehicle
Just because you have a car with a six-figure MSRP doesn’t mean you’re stuck paying ridiculous insurance prices. Some car insurance companies enjoy insuring drivers with high-end vehicles. Other car insurance companies punish these drivers with higher rates. By comparing quotes from multiple car insurance companies, you can ensure you’re paying a fair price for car insurance on your vehicle – regardless of your make and model.
Frequently Asked Questions
Why are luxury and sports cars more expensive to insure?
Luxury and sports cars tend to be more expensive to insure due to their higher cost of repair and their increased likelihood of being involved in accidents. These factors contribute to higher insurance premiums.
What are some of the most expensive cars to insure in 2023?
Some of the most expensive cars to insure in 2023 include the Mercedes-Benz AMG GT S, Audi R8, Porsche Panamera S, and the Mercedes S63 AMG. These vehicles have high insurance prices due to their luxury status and high repair costs.
Can I expect to get a great deal on insurance for an expensive vehicle?
Expensive vehicles generally come with higher insurance premiums. It is unlikely to get a great deal on insurance for a high-end car. However, comparing quotes from multiple insurance companies can help you find a fair price.
Are there insurance companies that specialize in insuring high-end vehicles?
Some insurance companies specialize in insuring high-end vehicles and may offer more competitive rates for luxury cars. It’s recommended to shop around and compare quotes from different insurers to find the best coverage options for your expensive vehicle.
How can I save money on insurance for an expensive car?
While insurance for expensive cars may be costly, there are some ways to potentially save money. These include maintaining a clean driving record, choosing a higher deductible, bundling your car insurance with other policies, and taking advantage of any available discounts offered by the insurance company.
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