The Most Expensive Vehicles to Insure in 2020

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Car insurance rates are important to consider when purchasing a new vehicle: after all, insurance is Americans' fourth-largest expense. You might be able to afford the monthly car payments, but car insurance premiums for a new luxury model or upscale sports car can cost hundreds — or even thousands — of dollars per year.

High-performance autos and luxury cars often cost more to insure. Factors like a driver's age, driving record of past tickets or accidents, credit score, or even state-specific legislation can exacerbate rate hikes, underlining the importance of considering insurance cost consequences when shopping for a new car.

As the nation’s leading insurance comparison site, The Zebra has access to millions of rates from across the United States. Using our proprietary auto insurance quote engine, we found the top 10 most expensive cars to insure in 2020 (more on our methodology).

Looking for historical data? Check out the most expensive cars of 2019 and 2018.

 

What are the most expensive cars to insure in 2020?

RankVehicleAverage 6-Month Premium
1BMW i8$2,151
2Maserati Quattroporte$2,030
3Nissan GT-R$1,932
4Maserati GranTurismo$1,867
5Mercedes-Benz S-Class$1,841
6Mercedes-AMG GT$1,838
7BMW X6$1,767
8Tesla Model X$1,757
9BMW 7-Series$1,745
10Porsche Panamera$1,692

 

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1. BMW i8

The BMW i8 is the country's most expensive vehicle to insure. As a high-performance vehicle, the manufacturer-suggested retail price (MSRP) is $147,500, and its average annual insurance costs amount to $4,303. If you're seeking the cheapest car insurance rate for your BMW i8, start with Grange, which offers average insurance premiums of only $1,269 per year for the i8. According to our data, the priciest company with which to insure the i8 is Infinity.

 

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2. Maserati Quattroporte

The Maserati Quattroporte is one of the most expensive cars to insure. As a luxury vehicle, the manufacturer-suggested retail price (MSRP) is $99,490, in addition to an average annual insurance cost of $4,062. If you're looking for cheap auto insurance for your Maserati Quattroporte, consider Grange, offering average insurance costs of just $1,143 per year. According to The Zebra's data, the priciest company for Quattroporte insurance is Hanover.

 

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3. Nissan GT-R

Budget-minded insurance shoppers beware: the Nissan GT-R is America's third-most expensive vehicle to insure. Due to the model's high-end specs, the manufacturer-suggested retail price (MSRP) is $113,540, in addition to an average yearly insurance rate of $3,864. If you're seeking the cheapest auto insurance rate for your Nissan GT-R, consider Grange, which offers average annual insurance costs of only $1,262. According to The Zebra's data, the priciest company for GT-R insurance is Infinity.

 

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4. Maserati GranTurismo

The Maserati GranTurismo is the nation's fourth-most expensive vehicle to insure. Due to the model's performance-oriented specs, its manufacturer-suggested retail price (MSRP) is $150,380, in addition to an average annual insurance rate of $3,735. If you're looking to get the cheapest insurance rate for the Maserati GranTurismo, start with IMT, which offers average car insurance rates of only $471 per year. According to our data, the priciest insurance provider for GranTurismo insurance is Safeway.

 

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5. Mercedes-Benz S-Class

Budget-focused buyers beware: the Mercedes-Benz S-Class is America's fifth-most expensive vehicle to insure. As a luxury vehicle, the manufacturer-suggested retail price (MSRP) is $94,250, in addition to an average yearly insurance cost of $3,684. If you're trying to save on insurance for the Mercedes-Benz S-Class, start with Grange, offering average insurance rates of only $991. According to our data, the most expensive insurance provider for Mercedes-Benz S-Class insurance is Infinity.

 

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6. Mercedes-AMG GT

The Mercedes-AMG GT is the country's sixth-most expensive vehicle to insure. As a luxury vehicle, the MSRP is $99,950, in addition to an average yearly insurance cost of $3,678. If you're trying to save on insurance for your Mercedes-AMG GT, consider Grange, which offers average insurance rates of only $1,098 per year. According to The Zebra's data, the priciest insurance provider for GT insurance is Infinity.

 

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7. BMW X6

The BMW X6 is the nation's seventh-most expensive vehicle to insure. As a high-end vehicle, the manufacturer-suggested retail price (MSRP) is $64,300, and its average annual insurance costs amount to $3,535. If you're seeking the cheapest car insurance rate for your BMW X6, start with Grange, offering average insurance rates of only $1,092 per year. According to insurance rate data from The Zebra, the most expensive company with which to insure the X6 is Infinity.

 

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8. Tesla Model X

Budget-minded insurance shoppers should look elsewhere, as the Tesla Model X is America's eighth-most expensive vehicle to insure. As a high-performance vehicle, the manufacturer-suggested retail price (MSRP) is $81,000‚ and its average annual insurance costs amount to $3,514. If you're seeking the cheapest insurance rate for the Tesla Model X, start by checking with Grange, offering average insurance rates of only $1,198 per year. According to our data, the most expensive company for Model X insurance is Safeway.

 

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9. BMW 7 Series

The BMW 7 Series is the country's ninth-most expensive vehicle to insure. This luxury vehicle's manufacturer-suggested retail price (MSRP) is $86,450, in addition to an average annual insurance outlay of $3,492. If you're seeking the cheapest auto insurance rate for your BMW 7 Series, begin with Grange, which offers an average annual premium of just $1,023. Our data show the most expensive company with which to insure the 7 Series is Infinity.

 

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10. Porsche Panamera

The Porsche Panamera is the nation's 10th-most expensive vehicle to insure. As a luxury vehicle, the manufacturer-suggested retail price (MSRP) is $87,200, in addition to an average annual insurance cost of $3,386. If you're seeking the cheapest car insurance rate for the Porsche Panamera, start with Grange, providing average insurance rates of just $1,081. The Zebra's insurance rate data show the priciest company for Porsche Panamera insurance is Infinity.

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What were the most expensive cars to insure in 2019?

RankVehicleAverage 6-Month Premium
1Audi R8$2,051
2BMW i8$2,016
3Dodge Viper$1,960
4Nissan GT-R$1,932
5Porsche 911$1,746
6BMW X6$1,697
7Tesla Model S$1,690
8Mercedes-Benz G-Class$1,689
9Mercedes-AMG GT$1,679
10BMW 7 Series$1,239

 

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1. Audi R8

From 2017 to 2018, the average insurance cost for an Audi R8 increased by almost 150%. As a high-performance vehicle, the manufacturer suggested retail price (MSRP) is $138,700. If you’re looking to get the cheapest insurance rate for an Audi R8, start with Nationwide, offering an average annual premium of only $965. Our data shows the most expensive company for Audi R8 insurance is GEICO, with average annual costs of $2,391.

 

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2. BMW i8

Data from our 2018 State of Auto Insurance shows the costliest company for insuring a BMW i8 is 21st Century, with an average annual premium of $4,265. Because it’s a luxury vehicle, the car insurance coverage cost will be 2.73% of the MSRP. Year-over-year, the average annual premium for a BMW i8 increased from $2,522 to $4,032, making this model one of the more expensive vehicles to insure.

 

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3. Dodge Viper

Shopping for car insurance for Dodge Viper can be a difficult process, primarily because it’s one of the most expensive cars to insure. As a luxury car, the annual car insurance premium is about 4.21% of this vehicle’s MSRP. In the past year, the average annual premium for a Dodge Viper went up from significantly, to $3,921. So if you’re looking to save as much money as possible, consider shopping with Indiana Farmers Mutual, which covers the Viper for the cheapest rates. Try to avoid Auto Club Enterprises, the most expensive insurance company for the Dodge Viper.

 

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4. Nissan GT-R

From 2017 to 2018, the average annual premium for a Nissan GT-R increased by almost 42%. The GT-R's MSRP is $99,990. If you’re looking to get the most affordable insurance rates for a Nissan GT-R, start with Quincy Mutual, with average annual premiums of $1,163. The most expensive company for Nissan GT-R insurance is Allstate, with an average cost of $6,344.

 

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5. Porsche 911

Our 2019 State of Auto Insurance report shows the priciest company for Porsche 911 insurance is GEICO, offering average annual rates of $2,142 per year. The cost of insurance on a Porsche 911 is 3.69% of the MSRP. Year-over-year, the average annual premium for a Porsche 911 increased from $1,469 to $3,403, making this model one of the most expensive vehicles to insure.

 

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6. BMW X6

Shopping for cheap car insurance for BMW X6 can be a long process, primarily because it’s one of the most expensive cars to insure. The annual insurance premium on an X6 is about 5.31% of the MSRP. In the past year, the average annual premium for a BMW X6 increased by about 42%, from $2,389 to $3,395. So if you’re looking to save as much money as possible, consider shopping with Progressive, which offers relatively cheap insurance for the BMW X6. Try to avoid 21st Century, which offers expensive X6 auto insurance.

 

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7. Tesla Model S

From 2017 to 2018, the average annual premium for a Tesla Model S increased by almost 330%. If you’re looking to get the cheapest rate on your Tesla Model S, we suggest shopping with Progressive. Our data shows the most expensive company through which to insure a Tesla Model S with is Allmerica.

 

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8. Mercedes-Benz G-Class

Data from our 2018 State of Auto Insurance shows that the costliest company to insure your Mercedes-Benz G-Class with is Safeco, where your annual premium might be $4,551. For the G-Class, the average insurance coverage cost is 2.71% of the MSRP. Year-over-year, the average annual premium for a Mercedes-Benz G-Class increased from $1,319 to $3,379, making this model one of the more expensive vehicles to insure.

 

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9. Mercedes-AMG GT

Shopping for car insurance for a Mercedes-AMG GT can be a difficult process, primarily because it’s one of the most expensive cars to insure. As a high-performance car, the annual car insurance premium is about 2.95% of this vehicle’s MSRP. In the past year, the average annual premium for a Mercedes-AMG GT went up about 69%, from $1,985 to $3,350. So if you’re looking to save as much money as possible, consider Progressive, which insures the Mercedes-AMG GT at the lowest cost. Try to avoid Safeco, which provides the most expensive coverage.

 

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10. BMW 7-Series

From 2017 to 2018, the average annual premium for the BMW 7-Series increased by almost 193%. If you’re looking to get the cheapest rate on your BMW 7-Series, we suggest shopping with USAA, where the average annual premium is only $619 per year. Our data shows that the most expensive company through which to insure your BMW 7-Series is Nationwide, with annual premiums of $1,401 a year.

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What were the most expensive cars to insure in 2018?

 

1. Mercedes-Benz E-Class

  • Average annual premium: $2,173
  • Type: Luxury midsize
  • MSRP: $58,900
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Safeco

 

2. Mercedes-Benz C-Class

  • Average annual premium: $1,934
  • Type: Luxury sedan
  • MSRP: $40,250
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Safeco

 

3. BMW X5

  • Average annual premium: $1,830
  • Type: Luxury SUV
  • MSRP: $57,200
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Amica

 

4. BMW 3 Series

  • Average annual premium: $1,762
  • Type: Luxury midsize
  • MSRP: $45,000
  • Cheapest insurance company: USAA
  • Most expensive insurance company: Farmers

 

5. Audi Q5

  • Average annual premium: $1,712
  • Type: Luxury SUV
  • MSRP: $41,500
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Allstate

 

6. Lexus ES

  • Average annual premium: $1,709
  • Type: Luxury
  • MSRP: $38,950
  • Cheapest insurance company: Progressive
  • Most expensive insurance company: ALFA

 

7. Cadillac SRX

  • Average annual premium: $1,699
  • Type: Luxury midsize
  • MSRP: $37,605
  • Cheapest insurance company: GEICO
  • Most expensive insurance company: Amica

 

8. Lexus RX

  • Average annual premium: $1,637
  • Type: Luxury midsize
  • MSRP: $43,470
  • Cheapest insurance company: Progressive
  • Most expensive insurance company: ALFA

 

9. Acura MDX

  • Average annual premium: $1,627
  • Type: Luxury midsize
  • MSRP: $44,330
  • Cheapest insurance company: Geico
  • Most expensive insurance company: ALFA

 

10. Nissan LEAF

  • Average annual premium: $1,608
  • Type: 5-door hatchback
  • MSRP: $29,990
  • Cheapest insurance company: Plymouth Rock Insurance
  • Most expensive insurance company: Allstate

 

Does auto insurance get cheaper as cars age?

One of the easiest ways to save on car insurance is to spend less upfront. Vehicles with higher MSRPs are usually more expensive: their parts tend to be pricier and more difficult to easily replace. Opting for a used model is another potential source of savings, as a used car often costs less than its brand new counterpart.

Compare rate depreciation for the top 10 most expensive vehicles to insure and decide if you're willing to sacrifice that new car smell for auto insurance savings:

INSURANCE RATES — NEW vs. USED MODELS
RankMost ExpensiveNew1 Year Rate5 Year Rate
1BMW i8 $  4,302.76 $  3,892.71 $  3,525.25
2Maserati Quattroporte $  4,061.79 $  3,674.71 $  3,327.83
3Nissan GT-R $  3,864.30 $  3,496.03 $  3,166.02
4Maserati GranTurismo $  3,735.04 $  3,379.09 $  3,060.12
5Mercedes-Benz S-Class $  3,683.62 $  3,332.57 $  3,017.99
6Mercedes-AMG GT $  3,677.97 $  3,327.46 $  3,013.36
7BMW X6 $  3,534.87 $  3,198.00 $  2,896.12
8Tesla Model X $  3,514.05 $  3,179.16 $  2,879.06
9BMW 7-Series $  3,491.87 $  3,159.09 $  2,860.89
10Porsche Panamera $  3,385.88 $  3,063.21 $  2,774.05